Florida CD rates › By county › Baker County
✓ 4 institutions with branches here · 113 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Baker 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 | 1.01% | First Federal Bank 1 location: Macclenny | $100k | Anyone |
| 6 mo | 3.75% | Tru-Fi 1 location: Macclenny | — | 3 FL counties |
| 1 yr | 3.80% | Tru-Fi 1 location: Macclenny | — | 3 FL counties |
| 18 mo | 3.50% | Tru-Fi 1 location: Macclenny | — | 3 FL counties |
| 2 yr | 3.50% | Tru-Fi 1 location: Macclenny | — | 3 FL counties |
| 3 yr | 3.50% | Tru-Fi 1 location: Macclenny | — | 3 FL counties |
| 4 yr | 3.50% | Tru-Fi 1 location: Macclenny | — | 3 FL counties |
| 5 yr | 3.40% | Tru-Fi 1 location: Macclenny | — | 3 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 Baker | Best standard CD | Who can open |
|---|---|---|---|
| Tru-Fi Credit union | Macclenny | 3.80% 1 yr · — min | 3 FL counties |
| Wells Fargo Bank, National Association Bank | Macclenny | 1.51% 1 yr · $2.5k min | Anyone |
| First Federal Bank Bank | Macclenny | 1.07% 6 mo · $100k min | Anyone |
| VyStar Credit union | Macclenny | promos only — see page | 49 FL counties |
Also with branches in Baker County, but not posting CD rates on their websites (ask in the branch): Ameris Bank (Macclenny).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Tru-Fi 1 location: Macclenny | 4.25% promo | 2 yr | — (cap $10k) | Kid's Club 24 month CD Special (up to $10,000) — Max $10k · Kid's Club account · 3 FL counties |
| Wells Fargo Bank, National Association 1 location: Macclenny | 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: Macclenny | 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) |
| VyStar 1 location: Macclenny | 4.15% promo | 30 mo | $50k | Special High-Yield CD (jumbo tier) — Table prints '$49,999,99 and higher'; footnote states $50,000 minimum deposit required · 49 FL counties |
| Wells Fargo Bank, National Association 1 location: Macclenny | 4.10% promo | 7 mo | $5k (cap $2.5M) | 7 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: Macclenny | 4.10% promo | 7 mo | $5k (cap $2.5M) | Special Fixed Rate CD (7 month) - Relationship APY — Max $2.5M · Requires linked qualifying checking — Orlando/Jacksonville pricing (varies by location) |
| VyStar 1 location: Macclenny | 4.05% promo | 30 mo | $500 (cap $50k) | Special High-Yield CD — Max $50k · Balance tier $500 - $49,999.99 · 49 FL counties |
| Wells Fargo Bank, National Association 1 location: Macclenny | 4.00% promo | 15 mo | $5k (cap $2.5M) | 15 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
The statewide promo board, with every catch spelled out, is on the homepage.
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