Florida CD rates › By county › Duval County and St. Johns County › Jacksonville
✓ 19 institutions with branches in Jacksonville · 117 you can open · verified 2026-10-01
Jacksonville is in Duval and St. Johns counties. 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 | 3.60% | EverBank, National Association Bank · branch in Jacksonville · 11 FL branches | $1k | Anyone |
| 6 mo | 3.70% | RadiFi Credit union · branch in Jacksonville · 8 FL branches | $1M | Anyone (via a partner group) |
| 9 mo | 3.49% | TD Bank, National Association Bank · branch in Jacksonville · 166 FL branches | $0.01 | Anyone |
| 1 yr | 4.14% | TD Bank, National Association Bank · branch in Jacksonville · 166 FL branches | $0.01 | Anyone |
| 18 mo | 4.24% | TD Bank, National Association Bank · branch in Jacksonville · 166 FL branches | $0.01 | Anyone |
| 2 yr | 4.29% | TD Bank, National Association Bank · branch in Jacksonville · 166 FL branches | $0.01 | Anyone |
| 3 yr | 4.29% | Community First Credit Union of Florida Credit union · branch in Jacksonville · 26 FL branches | $1M | 17 FL counties |
| 4 yr | 4.08% | Community First Credit Union of Florida Credit union · branch in Jacksonville · 26 FL branches | $1M | 17 FL counties |
| 5 yr | 4.18% | Community First Credit Union of Florida Credit union · branch in Jacksonville · 26 FL branches | $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
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 |
|---|---|---|
| TD Bank, National Association Bank · branch in Jacksonville · 166 FL branches | 4.29% 2 yr · $0.01 min | Anyone |
| Community First Credit Union of Florida Credit union · branch in Jacksonville · 26 FL branches | 4.29% 3 yr · $1M min | 17 FL counties |
| EverBank, National Association Bank · branch in Jacksonville · 11 FL branches | 4.10% 7 mo · $1k min | Anyone |
| RadiFi Credit union · branch in Jacksonville · 8 FL branches | 4.05% 1 yr · $1M min | Anyone (via a partner group) |
| JPMorgan Chase Bank, National Association Bank · branch in Jacksonville · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Coastline Credit union · branch in Jacksonville · 4 FL branches | 3.85% 1 yr · $75k min | 5 FL counties |
| Valley National Bank Bank · branch in Jacksonville · 41 FL branches | 3.55% 3 mo · $500 min | Anyone |
| Alive Credit union · branch in Jacksonville · 9 FL branches | 3.55% 2 yr · $500 min | 5 FL counties |
| First-Citizens Bank & Trust Company Bank · branch in Jacksonville · 27 FL branches | 2.50% 3 mo · $500 min | Anyone |
| Woodforest National Bank Bank · branch in Jacksonville · 10 FL branches | 2.25% 6 mo · $500 min | Anyone |
| Wells Fargo Bank, National Association Bank · branch in Jacksonville · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| First Federal Bank Bank · branch in Jacksonville · 24 FL branches | 1.07% 6 mo · $100k min | Anyone |
| Florida Capital Bank, National Association Bank · branch in Jacksonville · 5 FL branches | 0.55% 4 yr · $2k min | Anyone |
| First Horizon Bank Bank · branch in Jacksonville · 76 FL branches | 0.10% 6 mo · — min | Anyone |
| Truist Bank Bank · branch in Jacksonville · 441 FL branches | promos only — see page | Anyone |
| Seacoast National Bank Bank · branch in Jacksonville · 103 FL branches | promos only — see page | Anyone |
| Hancock Whitney Bank Bank · branch in Jacksonville · 38 FL branches | promos only — see page | Anyone |
| Renasant Bank Bank · branch in Jacksonville · 27 FL branches | promos only — see page | Anyone |
| VyStar Credit union · branch in Jacksonville · 92 FL branches | promos only — see page | 49 FL counties |
Also with branches in Jacksonville, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · Regions Bank · Fifth Third Bank, National Association · PNC Bank, National Association · SouthState Bank, National Association · Pinnacle Bank · Ameris Bank · Bank OZK · The Northern Trust Company · Cogent Bank · Cypress Bank & Trust · The Bank of New York Mellon Trust Company, National Association · Colony Bank · The Claxton Bank · Metro North.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| TD Bank, National Association Bank · branch in Jacksonville · 166 FL branches | 4.30% promo | 2 yr | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association Bank · branch in Jacksonville · 166 FL branches | 4.30% promo | 2 yr | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association Bank · branch in Jacksonville · 166 FL branches | 4.30% promo | 2 yr | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association Bank · branch in Jacksonville · 166 FL branches | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
| TD Bank, National Association Bank · branch in Jacksonville · 166 FL branches | 4.25% promo | 18 mo | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association Bank · branch in Jacksonville · 166 FL branches | 4.25% promo | 18 mo | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association Bank · branch in Jacksonville · 166 FL branches | 4.25% promo | 18 mo | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association Bank · branch in Jacksonville · 166 FL branches | 4.25% promo | 18 mo | $100k | TD Choice CD Promotional ($100,000+) |
Duval County and St. Johns County · Atlantic Beach · Jacksonville Beach · Neptune Beach · Ponte Vedra · Ponte Vedra Beach · St. Augustine · St. Johns
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