Florida CD rates › By county › Gulf County
✓ 1 institution with branches here · 111 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Gulf 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 | 1.50% | Emerald Coast 2 locations: Port St Joe, Wewahitchka | $1k | 2 FL counties |
| 6 mo | 3.25% | Emerald Coast 2 locations: Port St Joe, Wewahitchka | $1k | 2 FL counties |
| 1 yr | 2.50% | Emerald Coast 2 locations: Port St Joe, Wewahitchka | $1k | 2 FL counties |
| 18 mo | 2.38% | Emerald Coast 2 locations: Port St Joe, Wewahitchka | $1k | 2 FL counties |
| 2 yr | 2.27% | Emerald Coast 2 locations: Port St Joe, Wewahitchka | $1k | 2 FL counties |
| 3 yr | 2.02% | Emerald Coast 2 locations: Port St Joe, Wewahitchka | $1k | 2 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 Gulf | Best standard CD | Who can open |
|---|---|---|---|
| Emerald Coast Credit union | Port St Joe, Wewahitchka | 3.25% 6 mo · $1k min | 2 FL counties |
Also with branches in Gulf County, but not posting CD rates on their websites (ask in the branch): Centennial Bank (Port Saint Joe, Wewahitchka) · Capital City Bank (Port Saint Joe) · PeoplesSouth Bank (Port Saint Joe).
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