Florida CD rates › By county › Santa Rosa County › Milton
✓ 5 institutions with branches in Milton · 111 you can open · verified 2026-10-01
Milton is in Santa Rosa 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 | 0.90% | Santa Rosa County Credit union · branch in Milton · 5 FL branches | $1k | 3 FL counties |
| 6 mo | 2.00% | Santa Rosa County Credit union · branch in Milton · 5 FL branches | $1k | 3 FL counties |
| 9 mo | 3.51% | Santa Rosa County Credit union · branch in Milton · 5 FL branches | $1k | 3 FL counties |
| 1 yr | 2.50% | Santa Rosa County Credit union · branch in Milton · 5 FL branches | $1k | 3 FL counties |
| 18 mo | 4.00% | Santa Rosa County Credit union · branch in Milton · 5 FL branches | $1k | 3 FL counties |
| 2 yr | 3.50% | Gulf Winds Credit union · branch in Milton · 10 FL branches | $500 | 36 FL counties |
| 3 yr | 3.60% | Gulf Winds Credit union · branch in Milton · 10 FL branches | $500 | 36 FL counties |
| 4 yr | 3.65% | Gulf Winds Credit union · branch in Milton · 10 FL branches | $500 | 36 FL counties |
| 5 yr | 3.70% | Gulf Winds Credit union · branch in Milton · 10 FL branches | $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
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 |
|---|---|---|
| Santa Rosa County Credit union · branch in Milton · 5 FL branches | 4.00% 18 mo · $1k min | 3 FL counties |
| Gulf Winds Credit union · branch in Milton · 10 FL branches | 3.70% 5 yr · $500 min | 36 FL counties |
| United Bank Bank · branch in Milton · 3 FL branches | 1.20% 5 yr · $500 min | Anyone |
| Harvesters Credit union · branch in Milton · 8 FL branches | 0.70% 3 yr · $500 min | 2 FL counties |
| Truist Bank Bank · branch in Milton · 441 FL branches | promos only — see page | Anyone |
Also with branches in Milton, but not posting CD rates on their websites (ask in the branch): Regions Bank · SouthState Bank, National Association.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| United Bank Bank · branch in Milton · 3 FL branches | 4.35% promo | 18 mo | $1k | CD Special |
| United Bank Bank · branch in Milton · 3 FL branches | 4.35% promo | 18 mo | $1k | CD Special IRA — IRA |
| Gulf Winds Credit union · branch in Milton · 10 FL branches | 4.17% promo | 13 mo | $500 | CD Special — Monthly compounding · 36 FL counties |
| Gulf Winds Credit union · branch in Milton · 10 FL branches | 4.17% promo | 13 mo | $500 | IRA Certificate Special — 36 FL counties |
| United Bank Bank · branch in Milton · 3 FL branches | 4.10% promo | 13 mo | $1k | CD Special |
| United Bank Bank · branch in Milton · 3 FL branches | 4.10% promo | 13 mo | $1k | CD Special IRA — IRA |
| Gulf Winds Credit union · branch in Milton · 10 FL branches | 4.05% promo | 5 mo | $500 | CD Special — Monthly compounding · 36 FL counties |
| Gulf Winds Credit union · branch in Milton · 10 FL branches | 4.05% promo | 5 mo | $500 | IRA Certificate Special — 36 FL counties |
Santa Rosa County · Gulf Breeze · Jay · Navarre · Pace
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