Florida CD rates › By county › Duval County › Neptune Beach
✓ 3 institutions with branches in Neptune Beach · 115 you can open · verified 2026-10-01
Neptune Beach is in Duval 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 | 3.51% | Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | $1M | 17 FL counties |
| 6 mo | 3.56% | Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | $1M | 17 FL counties |
| 1 yr | 4.08% | Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | $1M | 17 FL counties |
| 18 mo | 4.24% | Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | $1M | 17 FL counties |
| 2 yr | 4.18% | Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | $1M | 17 FL counties |
| 3 yr | 4.29% | Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | $1M | 17 FL counties |
| 4 yr | 4.08% | Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | $1M | 17 FL counties |
| 5 yr | 4.18% | Community First Credit Union of Florida Credit union · branch in Neptune Beach · 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 |
|---|---|---|
| Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | 4.29% 3 yr · $1M min | 17 FL counties |
| JPMorgan Chase Bank, National Association Bank · branch in Neptune Beach · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| VyStar Credit union · branch in Neptune Beach · 92 FL branches | promos only — see page | 49 FL counties |
Also with branches in Neptune Beach, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · Regions Bank · Ameris Bank.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| VyStar Credit union · branch in Neptune Beach · 92 FL branches | 4.15% promo | 30 mo | $50k | Special High-Yield CD (jumbo tier) — Table prints '$49,999,99 and higher'; footnote states $50,000 minimum deposit required · 49 FL counties |
| VyStar Credit union · branch in Neptune Beach · 92 FL branches | 4.05% promo | 30 mo | $500 (cap $50k) | Special High-Yield CD — Max $50k · Balance tier $500 - $49,999.99 · 49 FL counties |
| Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | 4.00% promo | 13 mo | $45k | 13 Month CD - Jr. Jumbo — Featured CD · 17 FL counties |
| Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | 4.00% promo | 13 mo | $100k | 13 Month CD - Jumbo — Featured CD · 17 FL counties |
| Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | 4.00% promo | 13 mo | $250k | 13 Month CD - Jumbo Plus — Featured CD · 17 FL counties |
| Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | 4.00% promo | 13 mo | $500k | 13 Month CD - Super Jumbo — Featured CD · 17 FL counties |
| Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | 4.00% promo | 13 mo | $750k | 13 Month CD - Super Jumbo Plus — Featured CD · 17 FL counties |
| Community First Credit Union of Florida Credit union · branch in Neptune Beach · 26 FL branches | 4.00% promo | 13 mo | $1M | 13 Month CD - Super Jumbo Max — Featured CD · 17 FL counties |
Duval County · Atlantic Beach · Jacksonville · Jacksonville Beach
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