Tampa, Florida Best CD Rates September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Tampa, Florida CD rates include Third Federal Savings and LoanThird Federal Savings and Loan11707 N Dale Mabry Hwy, Tampa, FL 33618A+5.0 ★Texas Ratio: 2.32%Real return: +1.95%APY minus CPI (February 2026) offering 6 Month Bonus CD at 4.75% APY, Suncoast Credit UnionSuncoast Credit Union6536 E Hillsborough Ave, Tampa, FL 33610A+5.0 ★Texas Ratio: 5.87%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month Jumbo Certificate at 4.50% APY, Coast 2 Coast Financial Credit UnionCoast 2 Coast Financial Credit Union8916 Sabal Industrial Blvd, Tampa, FL 33619A+5.0 ★Texas Ratio: 2.07%Real return: +1.52%APY minus CPI (February 2026) offering 36 Month Jumbo Certificate at 4.32% APY, Amerant BankAmerant Bank4830 W Kennedy Blvd Ste 105, Tampa, FL 33609B+4.7 ★Texas Ratio: 18.92%Real return: +1.45%APY minus CPI (February 2026) offering 6-month CD at 4.25% APY, and U S POSTAL SERVICEU S POSTAL SERVICE7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607A+5.0 ★Texas Ratio: 4.56%Real return: +1.45%APY minus CPI (February 2026) offering 1 Year Starter Add-On Certificate at 4.25% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Tampa has 340 local institutions in our database, with CD rates as high as 4.75% APY from Third Federal Savings and Loan at 11707 N Dale Mabry Hwy, Tampa, FL 33618. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Florida area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
Compare Best CD Rates in Tampa, Florida & the Surrounding Area
Tampa 3 Month CD Rates
Earn 3.55% APY on balances of $500 or more. Account matures in 3 months.
VIP Bonus APY: 3.55%
VIP Bonus APY: 3.40%
FL
Balance: $500 - $24,999.99
Relationship APY
Balance: $250.00 - $9,999.99
Balance: $500-$49,999
Early withdrawal penalties may apply.
Relationship APY 0.06%. Early withdrawal penalties may apply.
Available for current 3-Month CD clients only. The advertised interest rates and Annual Percentage Yields (APY) are effective as of December 17th, 2025 and are subject to change daily without notice. The maximum amount allowed per client is $1,000,000.
SPECIAL OFFER THRU 9/30/26
SPECIAL OFFER THRU 9/30/26
Existing certificates only - no new accounts offered
Existing certificates only - no new accounts offered
Penalty for early withdrawal: 3 Months Dividends
Balance: $1,000,000 OR HIGHER
IRA Certificate
Balance: $100
Balance: $50,000 or more
Balance: $750,000-$999,999.99
Balance: $25,000 - $49,999
Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000
Funding Limit*: $12M
Balance: $50,000-$99,999.99
Tampa 6 Month CD Rates
Minimum to Obtain: $500
Promotional CD offer valid for FL residents. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time.
Balance: $100,000 and over
Balance: $25,000 - $99,999.99
Call 800.593.2274 or visit a branch to open your CD and start saving today.
Balance: $100,000 and over
Balance: $500 - $24,999.99
Balance: $100,000 and over
Call 800.593.2274 or visit a branch to open your CD and start saving today.
Balance: $25,000 - $99,999.99
Balance: $25,000 - $99,999.99
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Call 800.593.2274 or visit a branch to open your CD and start saving today.
Balance: $500 - $24,999.99
Balance: $500 - $24,999.99
Balance Required to Earn Dividend Rate: $1000.00
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Promotional Rate
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. You may not make additional deposits into this account. Your account will mature in 6 months. If you withdraw any of the principal before the maturity date, INB will impose a penalty of 90 days of interest. This account will automatically renew at a 6-month term with the standard rates in effect at that time. If you do not withdraw the funds, each renewal term will be 6 months beginning on the maturity date.
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. You may not make additional deposits into this account. Your account will mature in 6 months. If you withdraw any of the principal before the maturity date, INB will impose a penalty of 90 days of interest. This account will automatically renew at a 6-month term with the standard rates in effect at that time. If you do not withdraw the funds, each renewal term will be 6 months beginning on the maturity date.
Balance: $500-$49,999
Term: 6-Month Share Certificate
VIP Bonus APY: 3.55%
VIP Bonus APY: 3.40%
Term: 6-Month Share Certificate
Minimum to Obtain: $500
Relationship APY
Balance: $250.00 - $9,999.99
Tampa 12 Month CD Rates
Minimum to Obtain: $500
Balance Required to Earn Dividend Rate: $500.00
Minimum to Obtain: $500
Promotional CD offer valid for FL residents. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time.
Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest earned remains on deposit until maturity. Early withdrawal penalty may apply if you withdraw any principal from the CD before the maturity date. Account fees could reduce earnings. Additional terms and conditions apply. Please refer to our Deposit Account Agreement and applicable Schedule of Fees for additional information. Offer cannot be combined with any other promotional rate, bonus rate or special rate offer. BankUnited reserves the right to cancel or modify this offer at any time. Interest rates and APYs displayed are available only for accounts opened in a BankUnited branch. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details. CD will automatically renew at maturity into a standard CD closest in term to the initial term (which may be shorter or longer than the initial term) at the then current standard rate in effect at the time of renewal unless you instruct us otherwise.
Minimum to Obtain: $500
Balance: $100,000 and over
Balance: $500-$49,999
Balance: $100,000 and over
Balance: $25,000 - $99,999.99
Balance: $100,000 and over
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Minimum to Obtain: $500
Balance: $25,000 - $99,999.99
Balance: $500 - $24,999.99
Balance: $25,000 - $99,999.99
Balance: $500 - $24,999.99
Balance: $500 - $24,999.99
VIP Bonus APY: 3.60%
Term: 1-Year Share Certificate
Special rate on select new CD accounts.
VIP Bonus APY: 3.45%
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Term: 1-Year Share Certificate
Early withdrawal penalties may apply.
Tampa 18 Month CD Rates
Balance: $500-$49,999; This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.
Call 800.593.2274 or visit a branch to open your CD and start saving today.
Balance: $500 - $24,999.99
Balance: $500; Call 800.593.2274 or visit a branch to open your CD and start saving today.
VIP Bonus APY: 3.65%
Term: 18-Month Share Certificate
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
VIP Bonus APY: 3.50%
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
FL
Relationship APY
Balance: $250.00 - $9,999.99
Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000
Interest Frequency: Monthly
Interest Frequency: Semi
IRA Certificate
Interest Frequency: Semi
Tampa 24 Month CD Rates
Balance Required to Earn Dividend Rate: $1000.00
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Balance: $500 - $24,999.99
Balance: $500 - $24,999.99
Balance: $500-$49,999
VIP Bonus APY: 3.65%
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
VIP Bonus APY: 3.50%
Term: 2-Year Share Certificate
Term: 2-Year Share Certificate
FL
Relationship APY
Balance: $250.00 - $9,999.99
Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000
Special; Tru Traditional/Roth IRA Accounts
Interest Frequency: Semi
Tampa 36 Month CD Rates
Minimum to Obtain: $500
Minimum to Obtain: $500
Minimum to Obtain: $500
Offer and rate valid as of July 1, 2026, and may be canceled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. The initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Balance: $100,000
Balance: $25,000
Balance: $500
Minimum to Obtain: $500
VIP Bonus APY: 3.75%
Balance: $100,000 and over
Balance: $25,000 - $99,999.99
VIP Bonus APY: 3.60%
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Balance: $500 - $24,999.99
Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Balance: $500-$49,999
Earn 3.20% APY on balances of $500 or more.
Term: 3-Year Share Certificate
Term: 36 Month Variable Rate Certificate 1; Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Term: 36 Month Variable Rate Certificate 1; APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.
Term: 36 Month Variable Rate Certificate 1; APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Minimum to Obtain: $500
Term: 3-Year Share Certificate
FL
Relationship APY
Balance: $250.00 - $9,999.99
Tampa 48 Month CD Rates
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Balance: $100,000 and over
Balance: $25,000 - $99,999.99
Balance: $100,000 and over
Balance: $500 - $24,999.99
Balance: $100,000 and over
VIP Bonus APY: 3.90%
Balance: $25,000 - $99,999.99
Balance: $25,000 - $99,999.99
Balance: $500 - $24,999.99
Balance: $500 - $24,999.99
VIP Bonus APY: 3.75%
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Term: 4-Year Share Certificate
Earn 3.05% APY on balances of $500 or more. Account matures in 48 months.
Term: 4-Year Share Certificate
Balance: $500-$49,999
FL
Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000
Interest Frequency: Monthly
Interest Frequency: Semi
Interest Frequency: Semi
Penalty for early withdrawal: 9 Months Dividends
Balance: 48 Month
Balance: 48 Month
Tampa 60 Month CD Rates
Minimum to Obtain: $500
Balance: $100,000+
Balance: $100,000+
Balance: $100,000+
Minimum to Obtain: $500
Offer and rate valid as of July 1, 2026, and may be canceled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. The initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.
Balance: $500 - $99,999.99
Balance: $500 - $99,999.99
Balance: $500 - $99,999.99
VIP Bonus APY: 4.15%
Balance: $100,000 and over
Balance: $25,000 - $99,999.99
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Balance: $100,000 and over
Balance: $500 - $24,999.99
Balance: $100,000 and over
VIP Bonus APY: 4.00%
Balance: $25,000 - $99,999.99
Balance: $25,000 - $99,999.99
Balance: $500 - $24,999.99
Balance: $500 - $24,999.99
CD rates vary by term length. Longer terms generally earn higher rates. View the full rate table at lmcu.org/rates to compare current APY and certificate of deposit rates across all terms.
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Term: 5-Year Share Certificate
Term: 60 Month Variable Rate Certificate 1; Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Term: 60 Month Variable Rate Certificate 1; APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.
Term: 60 Month Variable Rate Certificate 1; APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Term: 5-Year Share Certificate
Balance: $500-$49,999
FL
Relationship APY
Balance: $250.00 - $9,999.99
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Tampa, FL CD Rate Trends
Compare local Tampa, FL CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Florida 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
Florida 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
FL CD Rate Forecast, Next 12 Months
Where are Florida CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at FL CD Rates Today
Annual interest earnings at today’s Florida average APYs. State average used where available; national average as fallback.
| CD Term | FL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Tampa, Florida Savers
$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | FL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/yr | |
Ladder example uses equal $5,000 rungs and Florida average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Tampa, Florida
About Our Tampa, Florida CD Rate Database
MonitorBankRates tracks 1,624 CD rates from 36 banks and 59 credit unions with locations in Tampa, Florida, plus national online institutions available to Florida residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Third Federal Savings and Loan offers a CD at 4.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Tampa, Florida.
How to Find the Best CD Rates in Tampa, Florida
What to compare when shopping for a CD in Tampa, Florida
To find the best APYs in Tampa, Florida, start with credit unions and online-only banks: Tampa, Florida has 59 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Tampa, Florida
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Tampa, Florida: 95 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Tampa, Florida savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Tampa, Florida money market rates
Tampa, Florida Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
13.7% of residents are 65 or older, below the national average of 17.3%. At today’s FL 12-month CD average of 2.945%, saving 10% of the local median salary ($4,548/year) and putting it in a CD would earn an additional $134 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Tampa, Florida
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Tampa, Florida
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Tampa, Florida typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Tampa, Florida as everywhere in the U.S.
Choosing a CD Term in Tampa, Florida
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Tampa, Florida savers easier access to their funds. For example, Third Federal Savings and Loan is offering its 6 Month Bonus CD at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Third Federal Savings and Loan is offering its 60 Month Bonus CD at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Tampa, Florida Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Tampa, Florida saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Tampa, Florida
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Tampa, Florida CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Tampa, Florida
Most CDs carry a fixed rate that is locked for the entire term, protecting a Tampa, Florida depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Tampa, Florida
Are CD rates in Tampa, Florida FDIC insured?
Do I have to pay state taxes on CD interest in Tampa, Florida?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Tampa, Florida?
- Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
- Suncoast Credit Union: 4.50% APY (18 Month Jumbo Certificate)
- Coast 2 Coast Financial Credit Union: 4.32% APY (36 Month Jumbo Certificate)
- Amerant Bank: 4.25% APY (6-month CD)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On Certificate)
- Tampa Bay Federal Credit Union: 4.15% APY (18 Month Market Watch)
- Achieva Credit Union: 4.10% APY (6 month IRA CD)
- Florida West Coast Credit Union: 4.08% APY (12 Month Certificate)
- Grow Financial Federal Credit Union: 4.02% APY (60 Month Certificate)
- Midflorida Credit Union: 4.00% APY (36 months Certificate of Deposit)
Tampa, Florida CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Tampa, Florida rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Tampa, Florida
At today’s FL top rate of 4.75% APY, a $10,000 deposit earns $475 in the first year. Enter your amount to see your exact return.
Tampa, Florida CD LadderFL CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Tampa, Florida CD at 4.75% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsFlorida’s average 12-month CD is 2.945% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tampa, Florida CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Tampa, Florida directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Tampa, Florida. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in FL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Tampa, Florida Rates & Resources
