Florida CD rates › By county › Walton County › Defuniak Springs
✓ 4 institutions with branches in Defuniak Springs · 114 you can open · verified 2026-10-01
Defuniak Springs is in Walton County. Banks and online banks are open to anyone; credit unions appear only when their charter covers the county or they are open to all. Rates move; the date above is when we last read each sheet.
| Term | Best local APY | Institution | Minimum | Who can open |
|---|---|---|---|---|
| 3 mo | 3.71% | All In Credit union · branch in Defuniak Springs · 6 FL branches | $100k | 3 FL counties |
| 6 mo | 4.12% | All In Credit union · branch in Defuniak Springs · 6 FL branches | $100k | 3 FL counties |
| 9 mo | 3.71% | All In Credit union · branch in Defuniak Springs · 6 FL branches | $100k | 3 FL counties |
| 1 yr | 4.23% | All In Credit union · branch in Defuniak Springs · 6 FL branches | $100k | 3 FL counties |
| 18 mo | 4.28% | All In Credit union · branch in Defuniak Springs · 6 FL branches | $100k | 3 FL counties |
| 2 yr | 3.87% | All In Credit union · branch in Defuniak Springs · 6 FL branches | $100k | 3 FL counties |
| 3 yr | 3.87% | All In Credit union · branch in Defuniak Springs · 6 FL branches | $100k | 3 FL counties |
| 4 yr | 3.92% | All In Credit union · branch in Defuniak Springs · 6 FL branches | $100k | 3 FL counties |
| 5 yr | 4.28% | All In Credit union · branch in Defuniak Springs · 6 FL branches | $100k | 3 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
Statewide leaders, the same on every city page — banks and online banks take anyone, and these credit unions are open to all. Membership conditions are on each institution's page.
| Institution | Best standard CD | Who can open |
|---|---|---|
| All In Credit union · branch in Defuniak Springs · 6 FL branches | 4.28% 18 mo · $100k min | 3 FL counties |
| Community South Credit union · branch in Defuniak Springs · 4 FL branches | 3.55% 6 mo · $500 min | 9 FL counties |
| PNB Community Bank Bank · branch in Defuniak Springs · 3 FL branches | 2.50% 1 yr · $1k min | Anyone |
| Truist Bank Bank · branch in Defuniak Springs · 441 FL branches | promos only — see page | Anyone |
Also with branches in Defuniak Springs, but not posting CD rates on their websites (ask in the branch): Regions Bank · Ameris Bank · Trustmark Bank · CCB Community Bank · Walton County Teachers.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| PNB Community Bank Bank · branch in Defuniak Springs · 3 FL branches | 3.69% promo | 5 mo | $1k | Certificate of Deposit 5 Month |
| Truist Bank Bank · branch in Defuniak Springs · 441 FL branches | 3.25% promo | 1 yr | $100k | Special CD ($100,000 and above) — Special rate on select new CD accounts; balances $100,000 and above; APY accurate as of 7/28/2026 |
Walton County · Destin · Freeport · Miramar · Miramar Beach · Panama City Beach · Santa Rosa Beach
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