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.
Top CD rates
Showing 16–19 results in Panama City, FL metro
- 3.25%APY$188 over 7 months on $10,000
Requirements
Product: Membership required. Penalty may be imposed for early withdrawal. APY assumes dividends remain on deposit until maturity. Additional deposits are not allowed after opening.
3.20% interest rate · Effective Jan 6, 2026
Rate checked
More details - 3.25%APY$188 over 7 months on $10,000
Requirements
Product: Early withdrawal penalty may be assessed for early maturity and varies based on term.
3.20% interest rate · Effective Jan 28, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 4 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - First Federal BankCertificate of DepositCD · 18 months · $1,000 min · 1.05%–1.07% by balance
Bank · 2 branches
1.05%APY$158 over 18 months on $10,000Requirements
Product: Terms range from 30 days to 5 years. Automatic renewal at the end of the term. Penalty applies if withdrawn before maturity. Compounded interest can be credited to CD or another First Federal account.
Offer: For Certificate of Deposit greater than 91 days, interest will compound and credit quarterly.
Effective Oct 25, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 1.05% $10,000 – $25,000Your amount 1.05% $25,000 – $50,000 1.05% $50,000 – $100,000 1.06% $100,000 and up 1.07% Rate checked
More details
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 CDs pay in Panama City, FL metro
133 CDs at 14 banks and credit unions · checked Oct 15–22
- Typical
- 3.10%
- Top 10% from
- 4.07%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.43%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Panama City, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 8 branches
- Champions First Credit UnionCredit union · 1 branch
- Community South Credit UnionCredit union · 2 branches