Florida CD rates › By county › Clay County
✓ 7 institutions with branches here · 115 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Clay 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 | 3.51% | Community First Credit Union of Florida 2 locations: Fleming Island, Orange Park | $1M | 17 FL counties |
| 6 mo | 3.70% | RadiFi 1 location: Orange Park | $1M | Anyone (via a partner group) |
| 1 yr | 4.08% | Community First Credit Union of Florida 2 locations: Fleming Island, Orange Park | $1M | 17 FL counties |
| 18 mo | 4.24% | Community First Credit Union of Florida 2 locations: Fleming Island, Orange Park | $1M | 17 FL counties |
| 2 yr | 4.18% | Community First Credit Union of Florida 2 locations: Fleming Island, Orange Park | $1M | 17 FL counties |
| 3 yr | 4.29% | Community First Credit Union of Florida 2 locations: Fleming Island, Orange Park | $1M | 17 FL counties |
| 4 yr | 4.08% | Community First Credit Union of Florida 2 locations: Fleming Island, Orange Park | $1M | 17 FL counties |
| 5 yr | 4.18% | Community First Credit Union of Florida 2 locations: Fleming Island, Orange Park | $1M | 17 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 Clay | Best standard CD | Who can open |
|---|---|---|---|
| Community First Credit Union of Florida Credit union | Fleming Island, Orange Park | 4.29% 3 yr · $1M min | 17 FL counties |
| RadiFi Credit union | Orange Park | 4.05% 1 yr · $1M min | Anyone (via a partner group) |
| JPMorgan Chase Bank, National Association Bank | Fleming Island, Orange Park | 4.00% 7 mo · $100k min | Anyone |
| Coastline Credit union | Orange Park | 3.85% 1 yr · $75k min | 5 FL counties |
| Wells Fargo Bank, National Association Bank | Green Cove Springs, Middleburg, Orange Park | 1.51% 1 yr · $2.5k min | Anyone |
| Truist Bank Bank | Orange Park | promos only — see page | Anyone |
| VyStar Credit union | Green Cove Springs, Middleburg, Orange Park | promos only — see page | 49 FL counties |
Also with branches in Clay County, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association (Fleming Island, Orange Park) · Regions Bank (Orange Park) · Fifth Third Bank, National Association (Orange Park) · PNC Bank, National Association (Fleming Island, Keystone Heights) · SouthState Bank, National Association (Orange Park) · Capital City Bank (Keystone Heights) · Ameris Bank (Fleming Island, Keystone Heights) · Calhoun Liberty (Keystone Heights).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Wells Fargo Bank, National Association 3 locations: Green Cove Springs, Middleburg, Orange Park | 4.25% promo | 11 mo | $5k (cap $2.5M) | 11 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
| Wells Fargo Bank, National Association 3 locations: Green Cove Springs, Middleburg, Orange Park | 4.25% promo | 11 mo | $5k (cap $2.5M) | Special Fixed Rate CD (11 month) - Relationship APY — Max $2.5M · Requires linked qualifying checking — Orlando/Jacksonville pricing (varies by location) |
| VyStar 3 locations: Green Cove Springs, Middleburg, Orange Park | 4.15% promo | 30 mo | $50k | Special High-Yield CD (jumbo tier) — Table prints '$49,999,99 and higher'; footnote states $50,000 minimum deposit required · 49 FL counties |
| RadiFi 1 location: Orange Park | 4.10% promo | 11 mo | $500 (cap $2.5k) | 11-Month Flex Access Certificate Special (New Money Only) — Max $2.5k · New money only; limited time offer |
| RadiFi 1 location: Orange Park | 4.10% promo | 11 mo | $2.5k (cap $25k) | 11-Month Flex Access Certificate Special (New Money Only) — Max $25k · New money only |
| RadiFi 1 location: Orange Park | 4.10% promo | 11 mo | $25k (cap $50k) | 11-Month Flex Access Certificate Special (New Money Only) — Max $50k · New money only |
| RadiFi 1 location: Orange Park | 4.10% promo | 11 mo | $50k (cap $100k) | 11-Month Flex Access Certificate Special (New Money Only) — Max $100k · New money only |
| RadiFi 1 location: Orange Park | 4.10% promo | 11 mo | $100k (cap $250k) | 11-Month Flex Access Certificate Special (New Money Only) — Max $250k · New money only |
The statewide promo board, with every catch spelled out, is on the homepage.
Fleming Island · Green Cove Springs · Middleburg · Orange Park
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