Florida CD rates › By county › Lee County › Estero
✓ 7 institutions with branches in Estero · 114 you can open · verified 2026-10-01
Estero is in Lee County. Banks and online banks are open to anyone; credit unions appear only when their charter covers the county or they are open to all. 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 Credit union · branch in Estero · 24 FL branches | $500 | Regional |
| 6 mo | 3.55% | Lake Michigan Credit union · branch in Estero · 24 FL branches | $500 | Regional |
| 9 mo | 4.05% | Lake Michigan Credit union · branch in Estero · 24 FL branches | $500 | Regional |
| 1 yr | 4.14% | TD Bank, National Association Bank · branch in Estero · 166 FL branches | $0.01 | Anyone |
| 18 mo | 4.24% | TD Bank, National Association Bank · branch in Estero · 166 FL branches | $0.01 | Anyone |
| 2 yr | 4.29% | TD Bank, National Association Bank · branch in Estero · 166 FL branches | $0.01 | Anyone |
| 3 yr | 3.75% | Lake Michigan Credit union · branch in Estero · 24 FL branches | $500 | Regional |
| 4 yr | 3.90% | Lake Michigan Credit union · branch in Estero · 24 FL branches | $500 | Regional |
| 5 yr | 4.15% | Lake Michigan Credit union · branch in Estero · 24 FL branches | $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
Statewide leaders, the same on every city page — banks and online banks take anyone, and these credit unions are open to all. Membership conditions are on each institution's page.
| Institution | Best standard CD | Who can open |
|---|---|---|
| TD Bank, National Association Bank · branch in Estero · 166 FL branches | 4.29% 2 yr · $0.01 min | Anyone |
| Lake Michigan Credit union · branch in Estero · 24 FL branches | 4.15% 5 yr · $500 min | Regional |
| JPMorgan Chase Bank, National Association Bank · branch in Estero · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Valley National Bank Bank · branch in Estero · 41 FL branches | 3.55% 3 mo · $500 min | Anyone |
| Wells Fargo Bank, National Association Bank · branch in Estero · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| Truist Bank Bank · branch in Estero · 441 FL branches | promos only — see page | Anyone |
| Achieva Credit Union Credit union · branch in Estero · 29 FL branches | promos only — see page | Anyone (via a partner group) |
Also with branches in Estero, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · Fifth Third Bank, National Association.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Achieva Credit Union Credit union · branch in Estero · 29 FL branches | 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 Credit union · branch in Estero · 29 FL branches | 4.35% promo | 13 mo | $10k | Business CD (limited time offer) — Business accounts; minimum opening deposit $10,000; no new-money requirement |
| TD Bank, National Association Bank · branch in Estero · 166 FL branches | 4.30% promo | 2 yr | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association Bank · branch in Estero · 166 FL branches | 4.30% promo | 2 yr | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association Bank · branch in Estero · 166 FL branches | 4.30% promo | 2 yr | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association Bank · branch in Estero · 166 FL branches | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
| TD Bank, National Association Bank · branch in Estero · 166 FL branches | 4.25% promo | 18 mo | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association Bank · branch in Estero · 166 FL branches | 4.25% promo | 18 mo | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
Lee County · Bonita Springs · Cape Coral · Fort Myers · Lehigh Acres · Sanibel · St. James City
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