Florida CD rates › By county › Manatee County
✓ 17 institutions with branches here · 115 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Manatee 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: Bradenton | $500 | Regional |
| 6 mo | 3.95% | Suncoast 2 locations: Bradenton, Ellenton | $100k | Regional |
| 9 mo | 4.05% | Lake Michigan 1 location: Bradenton | $500 | Regional |
| 1 yr | 4.14% | TD Bank, National Association 1 location: Bradenton | $0.01 | Anyone |
| 18 mo | 4.50% | Suncoast 2 locations: Bradenton, Ellenton | $100k | Regional |
| 2 yr | 4.29% | TD Bank, National Association 1 location: Bradenton | $0.01 | Anyone |
| 3 yr | 4.25% | Suncoast 2 locations: Bradenton, Ellenton | $100k | Regional |
| 4 yr | 4.00% | Suncoast 2 locations: Bradenton, Ellenton | $100k | Regional |
| 5 yr | 4.15% | Lake Michigan 1 location: Bradenton | $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 Manatee | Best standard CD | Who can open |
|---|---|---|---|
| Suncoast Credit union | Bradenton, Ellenton | 4.50% 18 mo · $100k min | Regional |
| TD Bank, National Association Bank | Bradenton | 4.29% 2 yr · $0.01 min | Anyone |
| Lake Michigan Credit union | Bradenton | 4.15% 5 yr · $500 min | Regional |
| JPMorgan Chase Bank, National Association Bank | Bradenton, Lakewood Ranch, Parrish, Sarasota | 4.00% 7 mo · $100k min | Anyone |
| GTE Financial Credit union | Bradenton | 3.82% 1 yr · $100k min | Anyone (via a partner group) |
| TrustCo Bank Bank | Bradenton | 3.75% 9 mo · $500 min | Anyone |
| The Huntington National Bank Bank | Bradenton | 3.66% 5 mo · $1k min | Anyone |
| BayFirst National Bank Bank | Bradenton | 3.64% 6 mo · $1k min | Anyone |
| Credit Union 1 Credit union | Bradenton | 3.25% 1 yr · $1k min | Anyone (via a partner group) |
| MIDFLORIDA Credit union | Bradenton | 3.00% 5 yr · $1k min | Regional |
| First-Citizens Bank & Trust Company Bank | Lakewood Ranch | 2.50% 3 mo · $500 min | Anyone |
| BankUnited, National Association Bank | Bradenton | 2.45% 1 yr · $1k min | Anyone |
| Wells Fargo Bank, National Association Bank | Bradenton, Ellenton, Palmetto | 1.51% 1 yr · $2.5k min | Anyone |
| First Horizon Bank Bank | Bradenton, Sarasota | 0.10% 6 mo · — min | Anyone |
| Truist Bank Bank | Bradenton, Ellenton, Sarasota | promos only — see page | Anyone |
| Hancock Whitney Bank Bank | Bradenton, Holmes Beach | promos only — see page | Anyone |
| Achieva Credit Union Credit union | Bradenton | promos only — see page | Anyone (via a partner group) |
Also with branches in Manatee County, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association (Bradenton, Ellenton) · Regions Bank (Bradenton, Sarasota) · Fifth Third Bank, National Association (Bradenton, Palmetto) · PNC Bank, National Association (Bradenton, Sarasota) · SouthState Bank, National Association (Bradenton, Palmetto) · Pinnacle Bank (Bradenton) · Ameris Bank (Bradenton, Palmetto) · Bank OZK (Bradenton, Lakewood Ranch) · The Northern Trust Company (Lakewood Ranch) · BMO Bank National Association (Bradenton, Ellenton) · The Bank of Tampa (Bradenton) · Liberty Savings Bank, F.S.B. (Bradenton) · First Southern Bank (Bradenton).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Achieva Credit Union 1 location: Bradenton | 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 1 location: Bradenton | 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 1 location: Bradenton | 4.30% promo | 2 yr | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association 1 location: Bradenton | 4.30% promo | 2 yr | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association 1 location: Bradenton | 4.30% promo | 2 yr | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association 1 location: Bradenton | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
| TD Bank, National Association 1 location: Bradenton | 4.25% promo | 18 mo | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association 1 location: Bradenton | 4.25% promo | 18 mo | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
The statewide promo board, with every catch spelled out, is on the homepage.
Bradenton · Ellenton · Lakewood Ranch · Sarasota
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