Florida CD rates › By county › Charlotte County
✓ 8 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 Charlotte 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 | 3.55% | Lake Michigan 1 location: Port Charlotte | $500 | Regional |
| 6 mo | 3.95% | Suncoast 2 locations: Port Charlotte, Punta Gorda | $100k | Regional |
| 9 mo | 4.05% | Lake Michigan 1 location: Port Charlotte | $500 | Regional |
| 1 yr | 3.95% | Suncoast 2 locations: Port Charlotte, Punta Gorda | $100k | Regional |
| 18 mo | 4.50% | Suncoast 2 locations: Port Charlotte, Punta Gorda | $100k | Regional |
| 2 yr | 4.00% | Suncoast 2 locations: Port Charlotte, Punta Gorda | $100k | Regional |
| 3 yr | 4.25% | Suncoast 2 locations: Port Charlotte, Punta Gorda | $100k | Regional |
| 4 yr | 4.00% | Suncoast 2 locations: Port Charlotte, Punta Gorda | $100k | Regional |
| 5 yr | 4.15% | Lake Michigan 1 location: Port Charlotte | $500 | Regional |
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 Charlotte | Best standard CD | Who can open |
|---|---|---|---|
| Suncoast Credit union | Port Charlotte, Punta Gorda | 4.50% 18 mo · $100k min | Regional |
| Lake Michigan Credit union | Port Charlotte | 4.15% 5 yr · $500 min | Regional |
| JPMorgan Chase Bank, National Association Bank | Port Charlotte, Punta Gorda | 4.00% 7 mo · $100k min | Anyone |
| TrustCo Bank Bank | Englewood | 3.75% 9 mo · $500 min | Anyone |
| Crews Bank & Trust Bank | Englewood, Placida, Port Charlotte, Punta Gorda | 3.70% 5 yr · $500 min | Anyone |
| Wells Fargo Bank, National Association Bank | Englewood, Port Charlotte, Punta Gorda | 1.51% 1 yr · $2.5k min | Anyone |
| Truist Bank Bank | Englewood, Port Charlotte, Punta Gorda | promos only — see page | Anyone |
| Achieva Credit Union Credit union | Port Charlotte, Punta Gorda | promos only — see page | Anyone (via a partner group) |
Also with branches in Charlotte County, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association (Englewood, Port Charlotte) · Regions Bank (Port Charlotte, Punta Gorda) · Fifth Third Bank, National Association (Babcock Ranch, Englewood) · Pinnacle Bank (Englewood, Port Charlotte) · Centennial Bank (Englewood, Punta Gorda) · Bank OZK (Port Charlotte, Punta Gorda) · BMO Bank National Association (Port Charlotte).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Achieva Credit Union 2 locations: Port Charlotte, Punta Gorda | 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 2 locations: Port Charlotte, Punta Gorda | 4.35% promo | 13 mo | $10k | Business CD (limited time offer) — Business accounts; minimum opening deposit $10,000; no new-money requirement |
| Wells Fargo Bank, National Association 3 locations: Englewood, Port Charlotte, Punta Gorda | 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 3 locations: Englewood, Port Charlotte, Punta Gorda | 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) |
| Wells Fargo Bank, National Association 3 locations: Englewood, Port Charlotte, Punta Gorda | 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 3 locations: Englewood, Port Charlotte, Punta Gorda | 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) |
| JPMorgan Chase Bank, National Association 2 locations: Port Charlotte, Punta Gorda | 4.00% promo | 7 mo | $100k | CD relationship rate (featured, $100,000 minimum) — Requires qualifying linked Chase personal checking account; not applicable to retirement CDs |
| Wells Fargo Bank, National Association 3 locations: Englewood, Port Charlotte, Punta Gorda | 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.
Englewood · Port Charlotte · Punta Gorda
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