Bank of Pensacola CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 1.00%, 6-month CD rates at 1.00% and 3-month CD rates at 3.50%. Current savings rates are at 3.95% and money market rates are at 2.01%. Mortgage rates today on 30-year fixed loans are around 6.55%. Credit Card rates are at 8.50%. Personal Loan rates are at 12.50%. All these rates, and more, can be found in our database of rates. Bank of Pensacola's 12-Month CD rates are at 1.50%, 6-Month CD rates are at 0.30%, 3-Month CD rates are at 0.25%. Bank of Pensacola's savings rates are at 0.30%. Bank of Pensacola's money market rates are at 2.00%.

Bank of Pensacola

To see how these rates compare to Bank of Pensacola CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Bank of Pensacola, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Bank of Pensacola CD rates. You can also compare Bank of Pensacola savings rates, MMA rates and mortgage rates using our other rate lists.

Bank of Pensacola money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank of Pensacola? Share your experience about Bank of Pensacola by leaving a review below, or read customer reviews before you decide to use Bank of Pensacola.

Bank of Pensacola Texas Ratio

Bank of Pensacola's Texas Ratio is at 0.00%, which is considered excellent. The Texas Ratio for Bank of Pensacola is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Bank of Pensacola is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
1.50%
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
0.30%
MMA
2.00%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Bank of Pensacola
500 S Palafox St
Pensacola, FL 32502
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Bank of Pensacola CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Bank of Pensacola
Bank of Pensacola
Money Market
2.00%
$2,500
Bank of Pensacola
Bank of Pensacola
12-Month CD
1.50%
$0
Bank of Pensacola
Bank of Pensacola
Savings
0.30%
$50
Bank of Pensacola
Bank of Pensacola
6-Month CD
0.30%
$0
Bank of Pensacola
Bank of Pensacola
3-Month CD
0.25%
$0
Bank of Pensacola
Bank of Pensacola
Checking
0.10%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Bank of Pensacola Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
First Bank Clewiston, FL
First Bank Clewiston, FL
Kasasa Checking
5.12%
$100
Community Bank and Trust - West Georgia
Community Bank and Trust - West Georgia
24-Month CD
4.30%
$500
Central Bank Provo, UT
Central Bank Provo, UT
24-Month CD
4.01%
$500
Bar Harbor SLA
Bar Harbor SLA
6-Month CD
4.00%
$500
Citizens Bank & Trust Company KY
Citizens Bank & Trust Company KY
12-Month CD
4.00%
$500
Garden Plain State Bank
Garden Plain State Bank
60-Month CD
3.80%
$1,000
Suncoast Credit Union
Suncoast Credit Union
60-Month CD
3.75%
$500
1st Advantage Bank
1st Advantage Bank
24-Month CD (Jumbo)
3.51%
$500
MVSB
12-Month CD
3.50%
$500
Ally Bank
Ally Bank
Money Market
3.50%
$0
Warsaw Federal S&L
36-Month CD
3.29%
$500
Horicon Bank
Horicon Bank
48-Month CD
3.28%
$1,000
Bank of Luxemburg
Bank of Luxemburg
60-Month CD
3.15%
$1,000
Centinel Bank of Taos
Centinel Bank of Taos
12-Month CD
3.10%
$1,000
360 Federal Credit Union
360 Federal Credit Union
48-Month CD
3.04%
$1,000
First National Bank of Ava
First National Bank of Ava
24-Month CD
3.03%
$500
Access Community Credit Union
Access Community Credit Union
36-Month CD
3.00%
$1,000
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
48-Month CD
2.65%
$2,500
Castroville State Bank
Castroville State Bank
36-Month CD
2.53%
$1,000
Mechanics Cooperative Bank
Mechanics Cooperative Bank
36-Month CD
2.50%
$500
Johnson State Bank
Johnson State Bank
48-Month CD
2.32%
$1,000
Town & Country Bank Ravenna, NE
Town & Country Bank Ravenna, NE
24-Month CD
2.20%
$100
Gorham Savings Bank
Gorham Savings Bank
60-Month CD
2.00%
$500
American Bank
American Bank
Premium Money Market
2.00%
$0
First Fidelity Bank Fort Payne, AL
First Fidelity Bank Fort Payne, AL
48-Month CD
1.76%
$100
Bank of Hindman
Bank of Hindman
36-Month CD
1.76%
$1,000
FNB of Raymond
FNB of Raymond
36-Month CD
1.71%
$1,000
DB&T
DB&T
12-Month CD
1.61%
$1,000
Connex Credit Union
Connex Credit Union
Plus Checking
1.50%
$0
Greenstate Credit Union
Greenstate Credit Union
Impact Money Market
1.45%
$2,500
Frontier Bank Sioux Falls, SD
Frontier Bank Sioux Falls, SD
12-Month CD
1.35%
$1,000
Continental Bank
Continental Bank
36-Month CD
1.10%
$25,000
Evergreen Federal Bank
Evergreen Federal Bank
36-Month CD
1.00%
$1,000
Interstate Bank
Interstate Bank
Statement Savings
0.95%
$200
Liberty Bank for Savings
Liberty Bank for Savings
24-Month CD
0.95%
$5,000
Boone Bank & Trust Co.
Boone Bank & Trust Co.
60-Month CD
0.80%
$1,000
Security Bank USA
Security Bank USA
Passbook Savings
0.75%
$100
Wells River Savings Bank
Wells River Savings Bank
24-Month CD
0.60%
$200
FNB Community Bank
FNB Community Bank
Regular Savings
0.50%
$100
Greenstate Credit Union
Greenstate Credit Union
24-Month CD
0.40%
$500
The Dime Bank
The Dime Bank
Personal Money Market
0.40%
$2,500
HomeBank
Money Market
0.30%
$2,500
Hocking Valley Bank
Hocking Valley Bank
Passbook Savings
0.25%
$100
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Money Market
0.25%
$2,500
Old Exchange Bank of Okawville
Old Exchange Bank of Okawville
Passbook Savings
0.25%
$1
Putnam County Bank
Putnam County Bank
Passbook Savings
0.10%
$10
Watertown Savings Bank Watertown, MA
Watertown Savings Bank Watertown, MA
24-Month CD
0.10%
$1,000
Nuvision Federal Credit Union
Nuvision Federal Credit Union
Primary Savings
0.10%
$5
First Financial of Maryland FCU
First Financial of Maryland FCU
Share Savings
0.10%
$1
Mercer County State Bank
Money Market
0.05%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates July 19, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.494%
0.000
4.750%
5.507%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.500%
5.637%
0.000
5.625%
5.693%
0.000
5.500%
5.728%
1.125
30-Year Fixed
5.560%
5.730%
0.000
5.500%
5.759%
0.000
15-Year Fixed Jumbo
5.750%
5.776%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.250%
5.791%
2.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Bank of Pensacola Information

Bank of Pensacola
500 S Palafox St
Pensacola, FL 32502
Escambia
Established Date: 10/26/1973
FDIC Certificate #: 21284
Date of FDIC Deposit Insurance: 10/26/1973
Bank Holding Company: FIVE FLAGS BANKS INC
How Many Domestic U.S. Offices? 2
How Many Branches are There? 2
Is Bank of Pensacola FDIC Insured? Yes
What is Bank of Pensacola's Cert number? 21284
What is the maximum amount for insured deposits? $250,000 per holder, per account

Bank of Pensacola Financials

Total Assets:
$144,412,000
Total Deposits:
$126,858,000
Equity Capital:
$12,363,000
Domestic Deposits:
$126,858,000
Net Income:
$101,000
Return on Assets:
0.4352%
Quarterly Return on Assets:
0.2800%
Pretax Return on Assets:
0.3540%
Pretax Quarterly Return on Assets:
0.3500%
Return on Equity:
5.1100%
Quarterly Return on Equity:
3.2500%
Common Equity Tier 1 Capital Ratio:
20.7468%
Tier 1 Risk-Based Capital Ratio:
20.7468%
Leverage Tier 1 (Core Capital) Ratio:
8.7221%
Total Risk-Based Capital Ratio (YTD):
21.6646%
Total Interest Income (YTD):
2.7770%
 
 
Headquarters:
Pensacola
FDIC Field Office:
Montgomery
Regulator:
FDIC
County:
Escambia
# of Offices:
2
Metropolitan Statistical Area (MSA):
Pensacola-Ferry Pass-Brent, FL
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Southeast
FDIC Region:
Atlanta
Source: FDIC Last Updated 03/31/2024

Top Variable Deposit Rates in the Georgia Region

Regional banks and credit unions are offering better deposit rates these days. These regional financial institutions offer rates higher than the big national banks but lower than rates offered by online banks. The best rates available are from online banks but you will be sacrificing personalized service.

It's usually best to have a deposit account at a regional bank if you need a more personalized banking relationship and have a need for face-to-face customer support.

The highest regional rate in Georgia in our rate database is on a money market account from Affinity Bank at 0.50 percent for deposits of $2,500 or more. Affinity Bank's current savings rate is slightly lower at 0.40 percent with a minimum deposit of $1,000.

    Read more...

Explore Other Rate Deals

Average savings rates and money market account rates for account balance of at least $10,000 are averaging 0.51 percent this week in Bankrate's national rate survey. The Federal Deposit Insurance Corporation also releases a Weekly Average Rates and Rate Cap Survey and in this week's survey average savings account rates are at 0.08 percent and average money market rates are at 0.12 percent.

Current-Mortgage-Rates-Lower-This-WeekCurrent mortgage rates are lower this week over last. Conventional mortgage rates and jumbo mortgage rates are both lower. The average mortgage interest rate for a 30 year fixed mortgage is at 4.90 percent. The average conventional 15 year mortgage rate is currently at 4.39 percent.

VirtualBank Money Market Account 50K rates are now at 0.73 percent with a yield of 0.73 percent. View current Money Market Account 50K rates at VirtualBank below.

Bank or Credit Union Offers and Deals

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Low Mortgage Rates Continue: 30 Year Mortgage Rates at 4.67%, 15 Year Mortgage Rates at 4.18%
Mortgage Rates at Another Record Low: 30 Year Mortgage Rates at 4.58%, 15 Year Mortgage Rates at 4.04%

Alternative Bank and Credit Union Offers to Explore

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