Florida CD rates › By county › Polk County
✓ 15 institutions with branches here · 118 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Polk County or they are open to all — employer-only and out-of-state charters are left off rather than listed with a catch you can't clear. Rates move; the date above is when we last read each sheet.
| Term | Best local APY | Institution | Minimum | Who can open |
|---|---|---|---|---|
| 3 mo | 3.55% | Lake Michigan 1 location: Lakeland | $500 | Regional |
| 6 mo | 3.95% | Suncoast 2 locations: Davenport, Lakeland | $100k | Regional |
| 9 mo | 4.05% | Lake Michigan 1 location: Lakeland | $500 | Regional |
| 1 yr | 4.14% | TD Bank, National Association 2 locations: Lakeland, Winter Haven | $0.01 | Anyone |
| 18 mo | 4.50% | Suncoast 2 locations: Davenport, Lakeland | $100k | Regional |
| 2 yr | 4.29% | TD Bank, National Association 2 locations: Lakeland, Winter Haven | $0.01 | Anyone |
| 3 yr | 4.25% | Suncoast 2 locations: Davenport, Lakeland | $100k | Regional |
| 4 yr | 4.00% | Suncoast 2 locations: Davenport, Lakeland | $100k | Regional |
| 5 yr | 4.15% | Lake Michigan 1 location: Lakeland | $500 | Regional |
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
These are the same statewide leaders on every county page — banks and online banks take anyone, and the credit unions here are open to all. Membership conditions are on each institution's page.
| Institution | Branches in Polk | Best standard CD | Who can open |
|---|---|---|---|
| Suncoast Credit union | Davenport, Lakeland | 4.50% 18 mo · $100k min | Regional |
| TD Bank, National Association Bank | Lakeland, Winter Haven | 4.29% 2 yr · $0.01 min | Anyone |
| Lake Michigan Credit union | Lakeland | 4.15% 5 yr · $500 min | Regional |
| JPMorgan Chase Bank, National Association Bank | Lakeland, Winter Haven | 4.00% 7 mo · $100k min | Anyone |
| GTE Financial Credit union | Lakeland | 3.82% 1 yr · $100k min | Anyone (via a partner group) |
| TrustCo Bank Bank | Davenport, Winter Haven | 3.75% 9 mo · $500 min | Anyone |
| Crews Bank & Trust Bank | Lakeland, Winter Haven | 3.70% 5 yr · $500 min | Anyone |
| Valley National Bank Bank | Lakeland | 3.55% 3 mo · $500 min | Anyone |
| Axiom Bank, National Association Bank | Winter Haven | 3.50% 6 mo · $500 min | Anyone |
| Pentagon Credit union | Bartow | 3.20% 2 yr · — min | Anyone (nationwide) |
| MIDFLORIDA Credit union | Auburndale, Bartow, Davenport, Haines City, Lake Wales, Lakeland +1 more | 3.00% 5 yr · $1k min | Regional |
| Wells Fargo Bank, National Association Bank | Auburndale, Bartow, Davenport, Haines City, Lake Wales, Lakeland +1 more | 1.51% 1 yr · $2.5k min | Anyone |
| Truist Bank Bank | Bartow, Davenport, Haines City, Lake Wales, Lakeland, Mulberry +1 more | promos only — see page | Anyone |
| Hancock Whitney Bank Bank | Lakeland | promos only — see page | Anyone |
| Baxter Credit union | Lakeland | promos only — see page | Anyone (via a partner group) |
Also with branches in Polk County, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association (Haines City, Lake Wales) · Regions Bank (Lakeland, Winter Haven) · Fifth Third Bank, National Association (Lakeland) · SouthState Bank, National Association (Bartow, Davenport) · Centennial Bank (Lakeland, Winter Haven) · Citizens Bank and Trust (Auburndale, Bartow) · Bank of Central Florida (Lakeland, Winter Haven) · Prime Meridian Bank (Lakeland).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| TD Bank, National Association 2 locations: Lakeland, Winter Haven | 4.30% promo | 2 yr | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association 2 locations: Lakeland, Winter Haven | 4.30% promo | 2 yr | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association 2 locations: Lakeland, Winter Haven | 4.30% promo | 2 yr | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association 2 locations: Lakeland, Winter Haven | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
| TD Bank, National Association 2 locations: Lakeland, Winter Haven | 4.25% promo | 18 mo | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association 2 locations: Lakeland, Winter Haven | 4.25% promo | 18 mo | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association 2 locations: Lakeland, Winter Haven | 4.25% promo | 18 mo | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association 2 locations: Lakeland, Winter Haven | 4.25% promo | 18 mo | $100k | TD Choice CD Promotional ($100,000+) |
The statewide promo board, with every catch spelled out, is on the homepage.
Auburndale · Bartow · Davenport · Haines City · Lake Wales · Lakeland · Winter Haven
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