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 16–29 results in Pensacola, FL metro
- Eglin Federal Credit UnionPreferred Investment CertificatesCD · 60 months · $2,500 min
Credit union · 2 branches
3.71%APY$1,998 over 60 months on $10,000Requirements
Product: Requires Eglin FCU Membership. Penalty for early withdrawal. Minimum deposit of $2,500 required to open.
Offer: Early withdrawal penalty applies. Requires Eglin FCU Membership.
3.65% interest rate · Effective Sep 18, 2026
Rate checked
More details - Gulf Winds Credit UnionTerm Share Certificate AccountsCD · 60 months · $500 min
Credit union · 6 branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Membership eligibility is required. Account opening subject to approval. Early withdrawal penalties may apply. Term Share Certificates automatically renew at maturity.
Offer: Compounded monthly.
3.64% interest rate · Compounded monthly · Effective Sep 18, 2026
Rate checked
More details - 3.66%APY$366 over 1 year on $10,000
3.60% interest rate · Effective Oct 9, 2026
Rate checked
More details - 3.62%APY$179 over 6 months on $10,000
Requirements
Product: Minimum balance of $250 required. Penalty for early withdrawal applies.
Offer: Penalty for early withdrawal applies.
3.56% interest rate · Effective Mar 1, 2025
Rate checked
More details - 3.50%APY$144 over 5 months on $10,000intro rate
Requirements
Product: Minimum deposit balance to open is $1,000. No service fees. Penalty may be imposed for early withdrawal.
Offer: 5 Months Special is for a limited time only with maximum funds of $50,000 and may end at any time. Specials rollover into Share Savings at maturity.
Promotional rate · 3.45% interest rate · Balance cap $50,000 · Effective Oct 1, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - Members First CU of FloridaBump-Up Certificate of DepositCD · 60–120 months · $500 min
Credit union · 7 branches
2.80%APYRequirements
Product: Option to bump up the interest rate to a higher rate once during the life of the CD on 24 months or longer terms. Dividends calculated by Average Daily Balance Method. Membership share requirement $5.00. Early withdrawal penalties apply. Automatic renewal with 10-day grace period.
Offer: Member has discretion to increase rate one time
2.77% interest rate · Effective Jan 1, 2026
Rate checked
More details - 2.50%APY$250 over 1 year on $10,000
Requirements
Product: Ability to add up to $2,500.00 per month. Dividends calculated by Average Daily Balance Method. Membership share requirement $5.00. Early withdrawal penalties apply. Automatic renewal with 10-day grace period.
Offer: Ability to add up to $2,500 per month
2.47% interest rate · Effective Sep 4, 2025
Rate checked
More details - 2.50%APY$250 over 1 year on $10,000
Requirements
Product: Dividends calculated by Average Daily Balance Method. Early withdrawal penalties apply. Automatic renewal with 10-day grace period. Compounding monthly. Membership share requirement $5.00.
2.47% interest rate · Effective Jan 1, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 5 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 - 1.50%APY$150 over 1 year on $10,000
Requirements
Product: Interest is compounded monthly and begins to accrue on the business day the Certificate is opened. Interest is paid monthly on the date of account opening (by check, added back to the CD, or deposited to a deposit account). Early withdrawal penalty is equal to 30 days' interest on the amount withdrawn.
1.50% interest rate · Compounded monthly · Effective Oct 15, 2026
Rate checked
More details - 1.50%APY$150 over 1 year on $10,000intro rate
Requirements
Product: The annual percentage yield assumes that interest will remain on deposit until maturity. A withdrawal will reduce earnings. Penalties may be imposed for withdrawals prior to maturity. Rates on Certificates of Deposit are subject to change at maturity.
Offer: Term is 12 Month.
Promotional rate · 1.50% interest rate · Effective Oct 4, 2026
Rate checked
More details - 1.20%APY$615 over 60 months on $10,000
Requirements
Product: CDs will automatically renew at maturity unless otherwise instructed. An interest penalty may be imposed for early withdrawals. Fees may reduce earnings. Interest is compounded and credited quarterly. Available with savings periods ranging from one month to five years. Interest compounding available for terms greater than three months.
Offer: Minimum opening deposit of $500.00 required to open account. Minimum balance of $500.00 is required to obtain APY.
Effective Sep 30, 2026
Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
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 Pensacola, FL metro
193 CDs at 19 banks and credit unions · checked Oct 15–22
- Typical
- 2.70%
- Top 10% from
- 4.07%
- Banks, typical
- 0.98%
- Credit unions, typical
- 3.40%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Pensacola, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United BankBank · 3 branches
- Champions First Credit UnionCredit union · 1 branch
- Eglin Federal Credit UnionCredit union · 2 branches