Florida CD rates › By county › Pasco County › Land O Lakes
✓ 4 institutions with branches in Land O Lakes · 115 you can open · verified 2026-10-01
Land O Lakes is in Pasco 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 | 1.99% | TD Bank, National Association Bank · branch in Land O Lakes · 166 FL branches | $0.01 | Anyone |
| 6 mo | 1.99% | TD Bank, National Association Bank · branch in Land O Lakes · 166 FL branches | $0.01 | Anyone |
| 9 mo | 3.49% | TD Bank, National Association Bank · branch in Land O Lakes · 166 FL branches | $0.01 | Anyone |
| 1 yr | 4.14% | TD Bank, National Association Bank · branch in Land O Lakes · 166 FL branches | $0.01 | Anyone |
| 18 mo | 4.24% | TD Bank, National Association Bank · branch in Land O Lakes · 166 FL branches | $0.01 | Anyone |
| 2 yr | 4.29% | TD Bank, National Association Bank · branch in Land O Lakes · 166 FL branches | $0.01 | Anyone |
| 3 yr | 1.99% | TD Bank, National Association Bank · branch in Land O Lakes · 166 FL branches | $0.01 | Anyone |
| 5 yr | 1.99% | TD Bank, National Association Bank · branch in Land O Lakes · 166 FL branches | $0.01 | Anyone |
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 Land O Lakes · 166 FL branches | 4.29% 2 yr · $0.01 min | Anyone |
| Wells Fargo Bank, National Association Bank · branch in Land O Lakes · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| Truist Bank Bank · branch in Land O Lakes · 441 FL branches | promos only — see page | Anyone |
| Achieva Credit Union Credit union · branch in Land O Lakes · 29 FL branches | promos only — see page | Anyone (via a partner group) |
Also with branches in Land O Lakes, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · Regions Bank.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Achieva Credit Union Credit union · branch in Land O Lakes · 29 FL branches | 4.35% promo | 13 mo | $10k | Consumer CD / IRA Certificate (limited time offer) — Minimum opening deposit $10,000; new money only (funds not on deposit with Achieva in last 90 days) |
| Achieva Credit Union Credit union · branch in Land O Lakes · 29 FL branches | 4.35% promo | 13 mo | $10k | Business CD (limited time offer) — Business accounts; minimum opening deposit $10,000; no new-money requirement |
| TD Bank, National Association Bank · branch in Land O Lakes · 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 Land O Lakes · 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 Land O Lakes · 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 Land O Lakes · 166 FL branches | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
| TD Bank, National Association Bank · branch in Land O Lakes · 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 Land O Lakes · 166 FL branches | 4.25% promo | 18 mo | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
Pasco County · Dade City · Holiday · Hudson · Lutz · New Port Richey · Odessa · Port Richey · Trinity · Wesley Chapel · Zephyrhills
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