Florida CD rates › By county › Santa Rosa County
✓ 10 institutions with branches here · 111 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Santa Rosa 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 | 3.14% | Eglin 2 locations: Navarre, Pace | $2.5k | 4 FL counties |
| 6 mo | 3.35% | Eglin 2 locations: Navarre, Pace | $2.5k | 4 FL counties |
| 9 mo | 3.51% | Santa Rosa County 4 locations: Gulf Breeze, Jay, Milton +1 more | $1k | 3 FL counties |
| 1 yr | 3.45% | Eglin 2 locations: Navarre, Pace | $2.5k | 4 FL counties |
| 18 mo | 4.00% | Santa Rosa County 4 locations: Gulf Breeze, Jay, Milton +1 more | $1k | 3 FL counties |
| 2 yr | 3.56% | Eglin 2 locations: Navarre, Pace | $2.5k | 4 FL counties |
| 3 yr | 3.61% | Eglin 2 locations: Navarre, Pace | $2.5k | 4 FL counties |
| 4 yr | 3.66% | Eglin 2 locations: Navarre, Pace | $2.5k | 4 FL counties |
| 5 yr | 3.71% | Eglin 2 locations: Navarre, Pace | $2.5k | 4 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
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 Santa Rosa | Best standard CD | Who can open |
|---|---|---|---|
| Santa Rosa County Credit union | Gulf Breeze, Jay, Milton, Pace | 4.00% 18 mo · $1k min | 3 FL counties |
| Eglin Credit union | Navarre, Pace | 3.71% 5 yr · $2.5k min | 4 FL counties |
| Gulf Winds Credit union | Gulf Breeze, Milton | 3.70% 5 yr · $500 min | 36 FL counties |
| Members First Credit Union of Florida Credit union | Pace | 2.80% 5 yr · $500 min | 3 FL counties |
| Wells Fargo Bank, National Association Bank | Gulf Breeze | 1.51% 1 yr · $2.5k min | Anyone |
| United Bank Bank | Jay, Milton, Pace | 1.20% 5 yr · $500 min | Anyone |
| Harvesters Credit union | Milton, Pace | 0.70% 3 yr · $500 min | 2 FL counties |
| Truist Bank Bank | Gulf Breeze, Milton | promos only — see page | Anyone |
| Hancock Whitney Bank Bank | Gulf Breeze, Pace | promos only — see page | Anyone |
| Renasant Bank Bank | Navarre, Pace | promos only — see page | Anyone |
Also with branches in Santa Rosa County, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association (Gulf Breeze) · Regions Bank (Gulf Breeze, Milton) · PNC Bank, National Association (Gulf Breeze) · SouthState Bank, National Association (Milton) · Pinnacle Bank (Gulf Breeze, Navarre) · Centennial Bank (Navarre) · FNBT BANK (Navarre).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| United Bank 3 locations: Jay, Milton, Pace | 4.35% promo | 18 mo | $1k | CD Special |
| United Bank 3 locations: Jay, Milton, Pace | 4.35% promo | 18 mo | $1k | CD Special IRA — IRA |
| Wells Fargo Bank, National Association 1 location: Gulf Breeze | 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 1 location: Gulf Breeze | 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 2 locations: Gulf Breeze, Pace | 4.25% promo | 2 yr | $1k | Promotional CD (ZIP 33602) — $1,000 deposit required to open and earn the promotional APY |
| Gulf Winds 2 locations: Gulf Breeze, Milton | 4.17% promo | 13 mo | $500 | CD Special — Monthly compounding · 36 FL counties |
| Gulf Winds 2 locations: Gulf Breeze, Milton | 4.17% promo | 13 mo | $500 | IRA Certificate Special — 36 FL counties |
| Hancock Whitney Bank 2 locations: Gulf Breeze, Pace | 4.15% promo | 11 mo | $1k | Promotional CD (ZIP 33602) — $1,000 deposit required to open and earn the promotional APY |
The statewide promo board, with every catch spelled out, is on the homepage.
Gulf Breeze · Jay · Milton · Navarre · Pace
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