Florida CD rates › By county › Okaloosa County › Fort Walton Beach
✓ 7 institutions with branches in Fort Walton Beach · 115 you can open · verified 2026-10-01
Fort Walton Beach is in Okaloosa 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 | 3.14% | Okaloosa County Teachers Credit union · branch in Fort Walton Beach · 5 FL branches | $1k | 1 FL county |
| 6 mo | 3.35% | Okaloosa County Teachers Credit union · branch in Fort Walton Beach · 5 FL branches | $1k | 1 FL county |
| 9 mo | 3.00% | The Huntington National Bank Bank · branch in Fort Walton Beach · 19 FL branches | $1k | Anyone |
| 1 yr | 3.45% | Okaloosa County Teachers Credit union · branch in Fort Walton Beach · 5 FL branches | $1k | 1 FL county |
| 18 mo | 3.51% | Eglin Credit union · branch in Fort Walton Beach · 12 FL branches | $2.5k | 4 FL counties |
| 2 yr | 3.56% | Eglin Credit union · branch in Fort Walton Beach · 12 FL branches | $2.5k | 4 FL counties |
| 3 yr | 3.61% | Eglin Credit union · branch in Fort Walton Beach · 12 FL branches | $2.5k | 4 FL counties |
| 4 yr | 3.66% | Eglin Credit union · branch in Fort Walton Beach · 12 FL branches | $2.5k | 4 FL counties |
| 5 yr | 3.71% | Eglin Credit union · branch in Fort Walton Beach · 12 FL branches | $2.5k | 4 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 |
|---|---|---|
| Eglin Credit union · branch in Fort Walton Beach · 12 FL branches | 3.71% 5 yr · $2.5k min | 4 FL counties |
| The Huntington National Bank Bank · branch in Fort Walton Beach · 19 FL branches | 3.66% 5 mo · $1k min | Anyone |
| Okaloosa County Teachers Credit union · branch in Fort Walton Beach · 5 FL branches | 3.50% 18 mo · $1k min | 1 FL county |
| Wells Fargo Bank, National Association Bank · branch in Fort Walton Beach · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| Truist Bank Bank · branch in Fort Walton Beach · 441 FL branches | promos only — see page | Anyone |
| Hancock Whitney Bank Bank · branch in Fort Walton Beach · 38 FL branches | promos only — see page | Anyone |
| Renasant Bank Bank · branch in Fort Walton Beach · 27 FL branches | promos only — see page | Anyone |
Also with branches in Fort Walton Beach, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · Regions Bank · PNC Bank, National Association · Pinnacle Bank · FNBT BANK · ServisFirst Bank · Community Bank of Mississippi · MidSouth Bank · United Fidelity Bank, fsb · Origin Bank.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Wells Fargo Bank, National Association Bank · branch in Fort Walton Beach · 463 FL branches | 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 Bank · branch in Fort Walton Beach · 463 FL branches | 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) |
| Hancock Whitney Bank Bank · branch in Fort Walton Beach · 38 FL branches | 4.25% promo | 2 yr | $1k | Promotional CD (ZIP 33602) — $1,000 deposit required to open and earn the promotional APY |
| Hancock Whitney Bank Bank · branch in Fort Walton Beach · 38 FL branches | 4.15% promo | 11 mo | $1k | Promotional CD (ZIP 33602) — $1,000 deposit required to open and earn the promotional APY |
| Wells Fargo Bank, National Association Bank · branch in Fort Walton Beach · 463 FL branches | 4.10% promo | 7 mo | $5k (cap $2.5M) | 7 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Fort Walton Beach · 463 FL branches | 4.10% promo | 7 mo | $5k (cap $2.5M) | Special Fixed Rate CD (7 month) - Relationship APY — Max $2.5M · Requires linked qualifying checking — Orlando/Jacksonville pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Fort Walton Beach · 463 FL branches | 4.00% promo | 15 mo | $5k (cap $2.5M) | 15 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Fort Walton Beach · 463 FL branches | 4.00% promo | 15 mo | $5k (cap $2.5M) | Special Fixed Rate CD (15 month) - Relationship APY — Max $2.5M · Requires linked qualifying checking — Orlando/Jacksonville pricing (varies by location) |
Okaloosa County · Crestview · Destin · Niceville
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