Florida CD rates › By county › Orange County › Winter Garden
✓ 13 institutions with branches in Winter Garden · 121 you can open · verified 2026-10-01
Winter Garden is in Orange 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 | 3.55% | Valley National Bank Bank · branch in Winter Garden · 41 FL branches | $500 | Anyone |
| 6 mo | 3.65% | FAIRWINDS Credit union · branch in Winter Garden · 31 FL branches | $1k | Anyone (via a partner group) |
| 9 mo | 3.75% | TrustCo Bank Bank · branch in Winter Garden · 51 FL branches | $500 | Anyone |
| 1 yr | 4.14% | TD Bank, National Association Bank · branch in Winter Garden · 166 FL branches | $0.01 | Anyone |
| 18 mo | 4.24% | TD Bank, National Association Bank · branch in Winter Garden · 166 FL branches | $0.01 | Anyone |
| 2 yr | 4.29% | TD Bank, National Association Bank · branch in Winter Garden · 166 FL branches | $0.01 | Anyone |
| 3 yr | 4.07% | McCoy Credit union · branch in Winter Garden · 16 FL branches | $1k | 4 FL counties |
| 4 yr | 3.71% | Addition Financial Credit union · branch in Winter Garden · 33 FL branches | $1k | 43 FL counties |
| 5 yr | 4.07% | McCoy Credit union · branch in Winter Garden · 16 FL branches | $1k | 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
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 |
|---|---|---|
| TD Bank, National Association Bank · branch in Winter Garden · 166 FL branches | 4.29% 2 yr · $0.01 min | Anyone |
| McCoy Credit union · branch in Winter Garden · 16 FL branches | 4.28% 2 yr · $1k min | 4 FL counties |
| JPMorgan Chase Bank, National Association Bank · branch in Winter Garden · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Addition Financial Credit union · branch in Winter Garden · 33 FL branches | 3.82% 5 yr · $1k min | 43 FL counties |
| TrustCo Bank Bank · branch in Winter Garden · 51 FL branches | 3.75% 9 mo · $500 min | Anyone |
| FAIRWINDS Credit union · branch in Winter Garden · 31 FL branches | 3.65% 6 mo · $1k min | Anyone (via a partner group) |
| Valley National Bank Bank · branch in Winter Garden · 41 FL branches | 3.55% 3 mo · $500 min | Anyone |
| Axiom Bank, National Association Bank · branch in Winter Garden · 7 FL branches | 3.50% 6 mo · $500 min | Anyone |
| Priority Credit union · branch in Winter Garden · 5 FL branches | 3.40% 9 mo · $500 min | 6 FL counties |
| Wells Fargo Bank, National Association Bank · branch in Winter Garden · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| Truist Bank Bank · branch in Winter Garden · 441 FL branches | promos only — see page | Anyone |
| Seacoast National Bank Bank · branch in Winter Garden · 103 FL branches | promos only — see page | Anyone |
| VyStar Credit union · branch in Winter Garden · 92 FL branches | promos only — see page | 49 FL counties |
Also with branches in Winter Garden, but not posting CD rates on their websites (ask in the branch): Regions Bank · Fifth Third Bank, National Association · Ameris Bank · American Momentum Bank.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| TD Bank, National Association Bank · branch in Winter Garden · 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 Winter Garden · 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 Winter Garden · 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 Winter Garden · 166 FL branches | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
| TD Bank, National Association Bank · branch in Winter Garden · 166 FL branches | 4.25% promo | 18 mo | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association Bank · branch in Winter Garden · 166 FL branches | 4.25% promo | 18 mo | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association Bank · branch in Winter Garden · 166 FL branches | 4.25% promo | 18 mo | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association Bank · branch in Winter Garden · 166 FL branches | 4.25% promo | 18 mo | $100k | TD Choice CD Promotional ($100,000+) |
Orange County · Apopka · Maitland · Ocoee · Orlando · Windermere · Winter Park
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