Florida CD rates › By county › Pinellas County › St. Petersburg
✓ 23 institutions with branches in St. Petersburg · 119 you can open · verified 2026-10-01
St. Petersburg 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 | 3.90% | Stearns Bank National Association Bank · branch in St. Petersburg · 3 FL branches | $500 | Anyone |
| 6 mo | 4.30% | Raymond James Bank Bank · branch in St. Petersburg | $1k | Anyone |
| 9 mo | 4.05% | Lake Michigan Credit union · branch in St. Petersburg · 24 FL branches | $500 | Regional |
| 1 yr | 4.45% | Raymond James Bank Bank · branch in St. Petersburg | $1k | Anyone |
| 18 mo | 4.65% | Raymond James Bank Bank · branch in St. Petersburg | $1k | Anyone |
| 2 yr | 4.70% | Raymond James Bank Bank · branch in St. Petersburg | $1k | Anyone |
| 3 yr | 4.85% | Raymond James Bank Bank · branch in St. Petersburg | $1k | Anyone |
| 4 yr | 4.95% | Raymond James Bank Bank · branch in St. Petersburg | $1k | Anyone |
| 5 yr | 5.00% | Raymond James Bank Bank · branch in St. Petersburg | $1k | Anyone |
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 |
|---|---|---|
| Raymond James Bank Bank · branch in St. Petersburg | 5.00% 5 yr · $1k min | Anyone |
| Suncoast Credit union · branch in St. Petersburg · 81 FL branches | 4.50% 18 mo · $100k min | Regional |
| DFCU Financial Credit union · branch in St. Petersburg · 9 FL branches | 4.40% 2 yr · $1k min | Regional |
| Third Federal Savings and Loan Association of Cleveland Bank · branch in St. Petersburg · 16 FL branches | 4.35% 1 yr · $500 min | Anyone |
| TD Bank, National Association Bank · branch in St. Petersburg · 166 FL branches | 4.29% 2 yr · $0.01 min | Anyone |
| Lake Michigan Credit union · branch in St. Petersburg · 24 FL branches | 4.15% 5 yr · $500 min | Regional |
| JPMorgan Chase Bank, National Association Bank · branch in St. Petersburg · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Republic Bank & Trust Company Bank · branch in St. Petersburg · 7 FL branches | 4.00% 11 mo · $1k min | Anyone |
| Pinellas Credit union · branch in St. Petersburg · 3 FL branches | 4.00% 1 yr · $500 min | 1 FL county |
| Stearns Bank National Association Bank · branch in St. Petersburg · 3 FL branches | 3.94% 6 mo · $500 min | Anyone |
| GTE Financial Credit union · branch in St. Petersburg · 25 FL branches | 3.82% 1 yr · $100k min | Anyone (via a partner group) |
| BayFirst National Bank Bank · branch in St. Petersburg · 12 FL branches | 3.64% 6 mo · $1k min | Anyone |
| Valley National Bank Bank · branch in St. Petersburg · 41 FL branches | 3.55% 3 mo · $500 min | Anyone |
| USF Federal Credit Union Credit union · branch in St. Petersburg · 11 FL branches | 3.50% 4 mo · $500 min | Anyone (via a partner group) |
| MIDFLORIDA Credit union · branch in St. Petersburg · 69 FL branches | 3.00% 5 yr · $1k min | Regional |
| Climate First Bank Bank · branch in St. Petersburg · 3 FL branches | 2.68% 15 mo · $500 min | Anyone |
| First-Citizens Bank & Trust Company Bank · branch in St. Petersburg · 27 FL branches | 2.50% 3 mo · $500 min | Anyone |
| Wells Fargo Bank, National Association Bank · branch in St. Petersburg · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| First Horizon Bank Bank · branch in St. Petersburg · 76 FL branches | 0.10% 6 mo · — min | Anyone |
| Truist Bank Bank · branch in St. Petersburg · 441 FL branches | promos only — see page | Anyone |
| Seacoast National Bank Bank · branch in St. Petersburg · 103 FL branches | promos only — see page | Anyone |
| Hancock Whitney Bank Bank · branch in St. Petersburg · 38 FL branches | promos only — see page | Anyone |
| Achieva Credit Union Credit union · branch in St. Petersburg · 29 FL branches | promos only — see page | Anyone (via a partner group) |
Also with branches in St. Petersburg, 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 · Pinnacle Bank · Centennial Bank · Bank OZK · The Northern Trust Company · The Bank of Tampa · American Momentum Bank · Flagship Bank.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Climate First Bank Bank · branch in St. Petersburg · 3 FL branches | 4.39% promo | 5 yr | $500 | 60-Month CD — 90 days interest penalty for early withdrawal; accurate as of 8-28-2026 |
| Achieva Credit Union Credit union · branch in St. Petersburg · 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 St. Petersburg · 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 |
| Climate First Bank Bank · branch in St. Petersburg · 3 FL branches | 4.33% promo | 6 mo | $500 | 6-Month Penalty-Free CD — No penalty for early withdrawals; no additional deposits; rate accurate as of 9-15-2026 |
| TD Bank, National Association Bank · branch in St. Petersburg · 166 FL branches | 4.30% promo | 2 yr | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association Bank · branch in St. Petersburg · 166 FL branches | 4.30% promo | 2 yr | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association Bank · branch in St. Petersburg · 166 FL branches | 4.30% promo | 2 yr | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association Bank · branch in St. Petersburg · 166 FL branches | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
Pinellas County · Belleair Bluffs · Clearwater · Dunedin · Largo · Palm Harbor · Pinellas Park · Seminole · Tarpon Springs
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