Florida CD rates › By county › Pinellas County › Palm Harbor
✓ 6 institutions with branches in Palm Harbor · 119 you can open · verified 2026-10-01
Palm Harbor is in Pinellas 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 | 0.06% | Wells Fargo Bank, National Association Bank · branch in Palm Harbor · 463 FL branches | $2.5k | Anyone |
| 6 mo | 3.25% | Pinellas Credit union · branch in Palm Harbor · 3 FL branches | $500 | 1 FL county |
| 9 mo | 3.00% | The Huntington National Bank Bank · branch in Palm Harbor · 19 FL branches | $1k | Anyone |
| 1 yr | 4.00% | Pinellas Credit union · branch in Palm Harbor · 3 FL branches | $500 | 1 FL county |
| 2 yr | 3.75% | Pinellas Credit union · branch in Palm Harbor · 3 FL branches | $500 | 1 FL county |
| 3 yr | 3.50% | Pinellas Credit union · branch in Palm Harbor · 3 FL branches | $500 | 1 FL county |
| 4 yr | 3.50% | Pinellas Credit union · branch in Palm Harbor · 3 FL branches | $500 | 1 FL county |
| 5 yr | 3.50% | Pinellas Credit union · branch in Palm Harbor · 3 FL branches | $500 | 1 FL county |
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 |
|---|---|---|
| JPMorgan Chase Bank, National Association Bank · branch in Palm Harbor · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Pinellas Credit union · branch in Palm Harbor · 3 FL branches | 4.00% 1 yr · $500 min | 1 FL county |
| The Huntington National Bank Bank · branch in Palm Harbor · 19 FL branches | 3.66% 5 mo · $1k min | Anyone |
| Wells Fargo Bank, National Association Bank · branch in Palm Harbor · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| Truist Bank Bank · branch in Palm Harbor · 441 FL branches | promos only — see page | Anyone |
| Achieva Credit Union Credit union · branch in Palm Harbor · 29 FL branches | promos only — see page | Anyone (via a partner group) |
Also with branches in Palm Harbor, 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.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Achieva Credit Union Credit union · branch in Palm Harbor · 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 Palm Harbor · 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 |
| Wells Fargo Bank, National Association Bank · branch in Palm Harbor · 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 Palm Harbor · 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) |
| Wells Fargo Bank, National Association Bank · branch in Palm Harbor · 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 Palm Harbor · 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) |
| JPMorgan Chase Bank, National Association Bank · branch in Palm Harbor · 419 FL branches | 4.00% promo | 7 mo | $100k | CD relationship rate (featured, $100,000 minimum) — Requires qualifying linked Chase personal checking account; not applicable to retirement CDs |
| Wells Fargo Bank, National Association Bank · branch in Palm Harbor · 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) |
Pinellas County · Belleair Bluffs · Clearwater · Dunedin · Largo · Pinellas Park · Seminole · St. Petersburg · Tarpon Springs
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