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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

Top CD rates

Showing 1–15 results in Pensacola, FL

  1. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 1 branch

    4.25%APY$389 over 11 months on $10,000with conditions
  2. PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance

    Bank · 1 branch

    4.25%APY$461 over 13 months on $10,000intro rate
  3. Gulf Winds Credit UnionCertificate SpecialsCD · 13 months · $500 min

    Credit union · 1 branch

    4.21%APY$457 over 13 months on $10,000intro rate
  4. Top Carrot, Carrot Score 88
    PenAir Credit UnionCertificate AccountCD · 17 months

    Credit union · 1 branch

    4.20%APY$600 over 17 months on $10,000
  5. Huntington BankFixed Rate Certificate of DepositCD · 5 months · $1,000 min

    Bank · 1 branch

    4.10%APY$169 over 5 months on $10,000intro rate
  6. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance

    Credit union · 1 branch

    4.10%APY$621 over 18 months on $10,000
  7. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionEasyStart CertificateCD · 12 months · $50 min

    Credit union · 1 branch

    4.00%APY$400 over 1 year on $10,000
  8. Renasant BankPromotional Certificate of DepositCD · 13 months · $10,000 min

    Bank · 2 branches

    4.00%APY$434 over 13 months on $10,000intro rate
  9. Harvesters Credit UnionShare CertificatesCD · 4 months · $500 min

    Credit union · 2 branches

    3.82%APY$126 over 4 months on $10,000
  10. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 1 branch

    3.75%APY$217 over 7 months on $10,000
  11. Gulf Winds Credit UnionTerm Share Certificate AccountsCD · 60 months · $500 min

    Credit union · 1 branch

    3.70%APY$1,992 over 60 months on $10,000
  12. Loyalty CUShare CertificateCD · 6 months · $250 min

    Credit union · 1 branch

    3.62%APY$179 over 6 months on $10,000
  13. My Pensacola Credit UnionShare CertificatesCD · 5 months · $1,000 min

    Credit union · 1 branch

    3.50%APY$144 over 5 months on $10,000intro rate
  14. Bank of AmericaFlexible CDCD · 12 months · $1,000 min · 3.15%–3.65% by balance

    Bank · 1 branch

    3.15%APY$315 over 1 year on $10,000
  15. Members First CU of FloridaBump-Up Certificate of DepositCD · 60–120 months · $500 min

    Credit union · 3 branches

    2.80%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 CDs pay in Pensacola, FL

146 CDs at 13 banks and credit unions · checked Oct 15–22

Typical
2.38%
Top 10% from
4.00%
Banks, typical
1.01%
Credit unions, typical
2.95%

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Pensacola, FL metro

Top Carrot institutions

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

  1. United BankBank · 3 branches
  2. Champions First Credit UnionCredit union · 1 branch
  3. Eglin Federal Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate