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Compare Bank & Credit Union Rates

Best CD rates and certificates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location
In Tampa, FL metro

Top CD rates

Showing 1–15 results in Tampa, FL metro

  1. Raymond James BankCertificates of Deposit (CDs)CD · 12 months · $2,000 min

    Bank · 1 branch

    4.60%APY$460 over 1 year on $10,000
  2. Raymond James BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min

    Bank · 1 branch

    4.60%APY$460 over 1 year on $10,000
  3. Amerant BankCertificates of DepositCD · 12 months · $10,000 min

    Bank · 2 branches

    4.25%APY$425 over 1 year on $10,000intro rate
  4. Top Carrot, Carrot Score 97
    Climate First Bank12-Month Penalty-Free CDCD · 12 months · $500 min

    Bank · 1 branch

    4.15%APY$415 over 1 year on $10,000intro rate
  5. Top Carrot, Carrot Score 90
    SUMA Federal Credit UnionShare CertificateCD · 12 months · $1,000 min

    Credit union · 1 branch

    4.10%APY$410 over 1 year on $10,000
  6. Top Carrot, Carrot Score 87
    Gallup FCULoyalty CDCD · 12 months · $1,000 min

    Credit union · 1 branch

    4.10%APY$410 over 1 year on $10,000intro rate
  7. Top Carrot, Carrot Score 98
    Oxford Federal Credit UnionShare CertificatesCD · 12–23 months · $1,000 min

    Credit union · 1 branch

    4.10%APY
  8. Top Carrot, Carrot Score 88
    Florida West Coast CUCertificates of DepositCD · 12 months · $500 min

    Credit union · 5 branches

    4.08%APY$408 over 1 year on $10,000
  9. Top Carrot, Carrot Score 89
    MASSMUTUALShare CertificateCD · 12 months · $500 min

    Credit union · 1 branch

    4.07%APY$407 over 1 year on $10,000intro rate
  10. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance

    Credit union · 7 branches

    4.05%APY$405 over 1 year on $10,000
  11. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionEasyStart CertificateCD · 12 months · $50 min

    Credit union · 7 branches

    4.00%APY$400 over 1 year on $10,000
  12. Top Carrot, Carrot Score 87
    Gallup FCUNew Money CDCD · 12 months · $5,000 min

    Credit union · 1 branch

    4.00%APY$400 over 1 year on $10,000intro rate
  13. Pinellas Federal Credit UnionCertificate AccountsCD · 12 months · $500 min

    Credit union · 3 branches

    4.00%APY$400 over 1 year on $10,000
  14. Top Carrot, Carrot Score 91
    American Pride BankPersonal Certificates of DepositCD · 12 months · $500 min

    Bank · 1 branch

    4.00%APY$400 over 1 year on $10,000intro rate
  15. Top Carrot, Carrot Score 87
    Grow FinancialCertificate AccountCD · 12–17 months · $500 min · 3.97%–4.07% by balance

    Credit union · 20 branches

    3.97%APY

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

What 1-year CDs pay in Tampa, FL metro

71 CDs at 52 banks and credit unions · checked Oct 15–22

Typical
3.50%
Top 10% from
4.08%
Banks, typical
2.00%
Credit unions, typical
3.55%

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Tampa, FL metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Oxford Federal Credit UnionCredit union · 1 branch
  2. Climate First BankBank · 1 branch
  3. Suncoast Credit UnionCredit union · 30 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate