Florida CD rates › By county › Escambia County › Pensacola
✓ 11 institutions with branches in Pensacola · 112 you can open · verified 2026-10-01
Pensacola is in Escambia 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 | 0.90% | Members First Credit Union of Florida Credit union · branch in Pensacola · 7 FL branches | $500 | 3 FL counties |
| 6 mo | 2.00% | My Pensacola Credit union · branch in Pensacola · 2 FL branches | $1k | 1 FL county |
| 9 mo | 3.00% | The Huntington National Bank Bank · branch in Pensacola · 19 FL branches | $1k | Anyone |
| 1 yr | 2.75% | My Pensacola Credit union · branch in Pensacola · 2 FL branches | $1k | 1 FL county |
| 18 mo | 3.40% | Gulf Winds Credit union · branch in Pensacola · 10 FL branches | $500 | 36 FL counties |
| 2 yr | 3.50% | Gulf Winds Credit union · branch in Pensacola · 10 FL branches | $500 | 36 FL counties |
| 3 yr | 3.60% | Gulf Winds Credit union · branch in Pensacola · 10 FL branches | $500 | 36 FL counties |
| 4 yr | 3.65% | Gulf Winds Credit union · branch in Pensacola · 10 FL branches | $500 | 36 FL counties |
| 5 yr | 3.70% | Gulf Winds Credit union · branch in Pensacola · 10 FL branches | $500 | 36 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 |
|---|---|---|
| Gulf Winds Credit union · branch in Pensacola · 10 FL branches | 3.70% 5 yr · $500 min | 36 FL counties |
| The Huntington National Bank Bank · branch in Pensacola · 19 FL branches | 3.66% 5 mo · $1k min | Anyone |
| My Pensacola Credit union · branch in Pensacola · 2 FL branches | 3.50% 5 yr · $1k min | 1 FL county |
| Members First Credit Union of Florida Credit union · branch in Pensacola · 7 FL branches | 2.80% 5 yr · $500 min | 3 FL counties |
| Wells Fargo Bank, National Association Bank · branch in Pensacola · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| The Warrington Bank Bank · branch in Pensacola · 4 FL branches | 1.50% 1 yr · — min | Anyone |
| Bank of Pensacola Bank · branch in Pensacola · 2 FL branches | 1.50% 1 yr · — min | Anyone |
| Harvesters Credit union · branch in Pensacola · 8 FL branches | 0.70% 3 yr · $500 min | 2 FL counties |
| Truist Bank Bank · branch in Pensacola · 441 FL branches | promos only — see page | Anyone |
| Hancock Whitney Bank Bank · branch in Pensacola · 38 FL branches | promos only — see page | Anyone |
| Renasant Bank Bank · branch in Pensacola · 27 FL branches | promos only — see page | Anyone |
Also with branches in Pensacola, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · Regions Bank · PNC Bank, National Association · SouthState Bank, National Association · Pinnacle Bank · Centennial Bank · Trustmark Bank · ServisFirst Bank · Community Bank of Mississippi · MidSouth Bank · SmartBank · Alabama.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Wells Fargo Bank, National Association Bank · branch in Pensacola · 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 Pensacola · 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) |
| Hancock Whitney Bank Bank · branch in Pensacola · 38 FL branches | 4.25% promo | 2 yr | $1k | Promotional CD (ZIP 33602) — $1,000 deposit required to open and earn the promotional APY |
| Gulf Winds Credit union · branch in Pensacola · 10 FL branches | 4.17% promo | 13 mo | $500 | CD Special — Monthly compounding · 36 FL counties |
| Gulf Winds Credit union · branch in Pensacola · 10 FL branches | 4.17% promo | 13 mo | $500 | IRA Certificate Special — 36 FL counties |
| Hancock Whitney Bank Bank · branch in Pensacola · 38 FL branches | 4.15% promo | 11 mo | $1k | Promotional CD (ZIP 33602) — $1,000 deposit required to open and earn the promotional APY |
| Wells Fargo Bank, National Association Bank · branch in Pensacola · 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 Pensacola · 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) |
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