Florida CD rates › By county › Hardee County
✓ 3 institutions with branches here · 111 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Hardee 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 | 1.25% | MIDFLORIDA 1 location: Wauchula | $1k | Regional |
| 6 mo | 3.95% | Suncoast 1 location: Wauchula | $100k | Regional |
| 9 mo | 3.21% | Crews Bank & Trust 2 locations: Bowling Green, Wauchula | $500 | Anyone |
| 1 yr | 3.95% | Suncoast 1 location: Wauchula | $100k | Regional |
| 18 mo | 4.50% | Suncoast 1 location: Wauchula | $100k | Regional |
| 2 yr | 4.00% | Suncoast 1 location: Wauchula | $100k | Regional |
| 3 yr | 4.25% | Suncoast 1 location: Wauchula | $100k | Regional |
| 4 yr | 4.00% | Suncoast 1 location: Wauchula | $100k | Regional |
| 5 yr | 4.00% | Suncoast 1 location: Wauchula | $100k | Regional |
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 Hardee | Best standard CD | Who can open |
|---|---|---|---|
| Suncoast Credit union | Wauchula | 4.50% 18 mo · $100k min | Regional |
| Crews Bank & Trust Bank | Bowling Green, Wauchula | 3.70% 5 yr · $500 min | Anyone |
| MIDFLORIDA Credit union | Wauchula | 3.00% 5 yr · $1k min | Regional |
Also with branches in Hardee County, but not posting CD rates on their websites (ask in the branch): First National Bank of Wauchula (Wauchula).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| MIDFLORIDA 1 location: Wauchula | 4.00% promo | 3 yr | $1k (cap $5M) | CD Special — Max $5M · Regional |
| MIDFLORIDA 1 location: Wauchula | 4.00% promo | 5 yr | $1k (cap $5M) | CD Special — Max $5M · Regional |
| MIDFLORIDA 1 location: Wauchula | 3.75% promo | 8 mo | $1k (cap $5M) | CD Special — Max $5M · Initial deposit cannot exceed $5 million per member or $10 million per address · Regional |
| MIDFLORIDA 1 location: Wauchula | 3.75% promo | 14 mo | $1k (cap $5M) | CD Special — Max $5M · Regional |
The statewide promo board, with every catch spelled out, is on the homepage.
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