Florida CD rates › By county › Escambia County
✓ 12 institutions with branches here · 112 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Escambia 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 | 0.90% | Members First Credit Union of Florida 1 location: Pensacola | $500 | 3 FL counties |
| 6 mo | 2.00% | My Pensacola 1 location: Pensacola | $1k | 1 FL county |
| 9 mo | 3.00% | The Huntington National Bank 1 location: Pensacola | $1k | Anyone |
| 1 yr | 2.75% | My Pensacola 1 location: Pensacola | $1k | 1 FL county |
| 18 mo | 3.40% | Gulf Winds 1 location: Pensacola | $500 | 36 FL counties |
| 2 yr | 3.50% | Gulf Winds 1 location: Pensacola | $500 | 36 FL counties |
| 3 yr | 3.60% | Gulf Winds 1 location: Pensacola | $500 | 36 FL counties |
| 4 yr | 3.65% | Gulf Winds 1 location: Pensacola | $500 | 36 FL counties |
| 5 yr | 3.70% | Gulf Winds 1 location: Pensacola | $500 | 36 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 Escambia | Best standard CD | Who can open |
|---|---|---|---|
| Gulf Winds Credit union | Pensacola | 3.70% 5 yr · $500 min | 36 FL counties |
| The Huntington National Bank Bank | Pensacola | 3.66% 5 mo · $1k min | Anyone |
| My Pensacola Credit union | Pensacola | 3.50% 5 yr · $1k min | 1 FL county |
| Members First Credit Union of Florida Credit union | Pensacola | 2.80% 5 yr · $500 min | 3 FL counties |
| Wells Fargo Bank, National Association Bank | Pensacola | 1.51% 1 yr · $2.5k min | Anyone |
| The Warrington Bank Bank | Pensacola, Pensacola Beach | 1.50% 1 yr · — min | Anyone |
| Bank of Pensacola Bank | Pensacola | 1.50% 1 yr · — min | Anyone |
| Harvesters Credit union | Cantonment, Pensacola | 0.70% 3 yr · $500 min | 2 FL counties |
| Truist Bank Bank | Pensacola | promos only — see page | Anyone |
| Hancock Whitney Bank Bank | Pensacola | promos only — see page | Anyone |
| Renasant Bank Bank | Pensacola | promos only — see page | Anyone |
| Champions First Credit union | Cantonment | promos only — see page | 18 FL counties |
Also with branches in Escambia County, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association (Pensacola) · Regions Bank (Pensacola) · PNC Bank, National Association (Pensacola) · SouthState Bank, National Association (Pensacola) · Pinnacle Bank (Pensacola) · Centennial Bank (Pensacola) · Trustmark Bank (Pensacola) · ServisFirst Bank (Pensacola) · Community Bank of Mississippi (Pensacola) · MidSouth Bank (Pensacola) · SmartBank (Pensacola) · Alabama (Pensacola).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Wells Fargo Bank, National Association 1 location: Pensacola | 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: Pensacola | 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) |
| Hancock Whitney Bank 1 location: Pensacola | 4.25% promo | 2 yr | $1k | Promotional CD (ZIP 33602) — $1,000 deposit required to open and earn the promotional APY |
| Gulf Winds 1 location: Pensacola | 4.17% promo | 13 mo | $500 | CD Special — Monthly compounding · 36 FL counties |
| Gulf Winds 1 location: Pensacola | 4.17% promo | 13 mo | $500 | IRA Certificate Special — 36 FL counties |
| Hancock Whitney Bank 1 location: Pensacola | 4.15% promo | 11 mo | $1k | Promotional CD (ZIP 33602) — $1,000 deposit required to open and earn the promotional APY |
| Wells Fargo Bank, National Association 1 location: Pensacola | 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: Pensacola | 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) |
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