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 46–60 results in Tampa, FL
- Metro Federal Credit UnionRegular Share CertificatesCD · 48 months · $1,000 min · 3.35%–4.02% by balance
Credit union · 1 branch
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. Early withdrawals may be subject to a penalty. 7-day grace period on maturity.
Rate by balance
Rate by balance for Regular Share Certificates Balance APY $1,000 – $24,999Your amount 3.35% $25,000 – $99,999 3.71% $100,000 and up 4.02% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 24-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.20%APY$991 over 36 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 36-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 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 - 3.10%APY$154 over 6 months on $10,000
Requirements
Product: Compounded daily. Penalty for early withdrawal.
3.06% interest rate · Compounded daily
Rate checked
More details - 3.10%APY$310 over 1 year on $10,000
Requirements
Product: Fixed 12-month commitment. One entry per every $25 deposit (max. 100/month) for monthly cash prize drawings; no monthly deposit limit. $25 penalty for early withdrawal; after two early withdrawals, disqualified from prize drawings.
Offer: Special Program terms and restrictions apply.
Effective Jul 1, 2026
Rate checked
More details - 3.05%APY$1,277 over 48 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 48-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 60-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Not listed on the main CD rates landing page.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Membership and eligibility requirements apply. Fees may reduce earnings. Penalties may apply for withdrawal of funds before maturity.
2.96% interest rate
Rate checked
More details - Tampa Postal Federal Credit UnionStep Share Certificate AccountsCD · 36 months · $500 min
Credit union · 1 branch
2.75%APY$848 over 36 months on $10,000intro rateRequirements
Product: The member holds the responsibility of monitoring rate increases and notifying TPCU when the Step Up will be implemented. Early withdrawal penalties may apply.
Offer: Member responsible for monitoring rate increases and notifying TPCU to implement Step Up. Early withdrawal penalties may apply.
Promotional rate · 2.72% interest rate · Effective Mar 1, 2026
Rate checked
More details - Metro Federal Credit UnionPayroll Share Certificate - Funded by Payroll Deposit OnlyCD · 48 months · $0 min
Credit union · 1 branch
2.63%APY$1,094 over 48 months on $10,000Requirements
Product: Funded by Payroll Deposit Only. Available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Dividends compounded and credited monthly. Fixed for certificate term. Early withdrawals may be subject to penalty. 7-day grace period on maturity.
Rate checked
More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - 2.12%APY$875 over 48 months on $10,000with conditions
Requirements
Product: Premier CD rates are available to Power Plus Checking customers. Penalty will be imposed for early withdrawal. Overall APY 2.12%. Rates current as of 9/17/2026.
Offer: Last 12 months (months 37-48). Available to Power Plus Checking customers. Overall APY for full 48-month term is 2.12%. Penalty for early withdrawal.
Qualified rate · 2.35% interest rate · Effective Sep 17, 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 Tampa, FL
494 CDs at 40 banks and credit unions · checked Oct 4–22
- Typical
- 3.10%
- Top 10% from
- 4.00%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.45%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Tampa, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 1 branch
- Suncoast Credit UnionCredit union · 30 branches