Florida CD rates › By county › Alachua County
✓ 12 institutions with branches here · 113 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Alachua County or they are open to all — employer-only and out-of-state charters are left off rather than listed with a catch you can't clear. Rates move; the date above is when we last read each sheet.
| Term | Best local APY | Institution | Minimum | Who can open |
|---|---|---|---|---|
| 3 mo | 1.99% | TD Bank, National Association 1 location: Gainesville | $0.01 | Anyone |
| 6 mo | 4.13% | Radiant 4 locations: Alachua, Gainesville, Hawthorne +1 more | $50k | 22 FL counties |
| 9 mo | 3.49% | TD Bank, National Association 1 location: Gainesville | $0.01 | Anyone |
| 1 yr | 4.14% | TD Bank, National Association 1 location: Gainesville | $0.01 | Anyone |
| 18 mo | 4.24% | TD Bank, National Association 1 location: Gainesville | $0.01 | Anyone |
| 2 yr | 4.29% | TD Bank, National Association 1 location: Gainesville | $0.01 | Anyone |
| 3 yr | 3.82% | Radiant 4 locations: Alachua, Gainesville, Hawthorne +1 more | $1k | 22 FL counties |
| 4 yr | 3.72% | Radiant 4 locations: Alachua, Gainesville, Hawthorne +1 more | $1k | 22 FL counties |
| 5 yr | 3.56% | Radiant 4 locations: Alachua, Gainesville, Hawthorne +1 more | $1k | 22 FL counties |
3 mo 4.10% Beal Bank USA · 6 mo 4.40% Quorum Federal Credit Union · 9 mo 4.40% OMB Bank · 1 yr 4.50% Quorum Federal Credit Union · 18 mo 4.65% Raymond James Bank · 2 yr 4.70% Raymond James Bank · 3 yr 4.85% Raymond James Bank · 4 yr 4.95% Raymond James Bank · 5 yr 5.00% Raymond James Bank
These are the same statewide leaders on every county page — banks and online banks take anyone, and the credit unions here are open to all. Membership conditions are on each institution's page.
| Institution | Branches in Alachua | Best standard CD | Who can open |
|---|---|---|---|
| TD Bank, National Association Bank | Gainesville | 4.29% 2 yr · $0.01 min | Anyone |
| Radiant Credit union | Alachua, Gainesville, Hawthorne, Newberry | 4.20% 2 yr · $1k min | 22 FL counties |
| JPMorgan Chase Bank, National Association Bank | Gainesville | 4.00% 7 mo · $100k min | Anyone |
| MIDFLORIDA Credit union | Gainesville | 3.00% 5 yr · $1k min | Regional |
| Wells Fargo Bank, National Association Bank | Gainesville | 1.51% 1 yr · $2.5k min | Anyone |
| First Federal Bank Bank | Gainesville | 1.07% 6 mo · $100k min | Anyone |
| Florida Capital Bank, National Association Bank | Gainesville | 0.55% 4 yr · $2k min | Anyone |
| Truist Bank Bank | Gainesville, Newberry | promos only — see page | Anyone |
| Seacoast National Bank Bank | Gainesville | promos only — see page | Anyone |
| Renasant Bank Bank | Alachua, Gainesville | promos only — see page | Anyone |
| VyStar Credit union | Alachua, Gainesville | promos only — see page | 49 FL counties |
| Florida Credit union | Gainesville | promos only — see page | 48 FL counties |
Also with branches in Alachua County, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association (Gainesville) · Regions Bank (Gainesville) · PNC Bank, National Association (Gainesville) · SouthState Bank, National Association (Gainesville) · Capital City Bank (Alachua, Gainesville) · Ameris Bank (Gainesville, High Springs) · Barwick Banking Company (Newberry) · Millennium Bank (Gainesville) · Campus USA (Alachua, Gainesville).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| TD Bank, National Association 1 location: Gainesville | 4.30% promo | 2 yr | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association 1 location: Gainesville | 4.30% promo | 2 yr | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association 1 location: Gainesville | 4.30% promo | 2 yr | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association 1 location: Gainesville | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
| TD Bank, National Association 1 location: Gainesville | 4.25% promo | 18 mo | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association 1 location: Gainesville | 4.25% promo | 18 mo | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association 1 location: Gainesville | 4.25% promo | 18 mo | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association 1 location: Gainesville | 4.25% promo | 18 mo | $100k | TD Choice CD Promotional ($100,000+) |
The statewide promo board, with every catch spelled out, is on the homepage.
Alachua · Gainesville · Newberry
Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions