Florida CD rates › By county › Seminole County › Oviedo
✓ 8 institutions with branches in Oviedo · 118 you can open · verified 2026-10-01
Oviedo is in Seminole 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 | 1.14% | FAIRWINDS Credit union · branch in Oviedo · 31 FL branches | $1k | Anyone (via a partner group) |
| 6 mo | 3.65% | FAIRWINDS Credit union · branch in Oviedo · 31 FL branches | $1k | Anyone (via a partner group) |
| 9 mo | 3.75% | TrustCo Bank Bank · branch in Oviedo · 51 FL branches | $500 | Anyone |
| 1 yr | 3.24% | FAIRWINDS Credit union · branch in Oviedo · 31 FL branches | $1k | Anyone (via a partner group) |
| 2 yr | 3.39% | FAIRWINDS Credit union · branch in Oviedo · 31 FL branches | $1k | Anyone (via a partner group) |
| 3 yr | 3.43% | FAIRWINDS Credit union · branch in Oviedo · 31 FL branches | $1k | Anyone (via a partner group) |
| 4 yr | 3.47% | FAIRWINDS Credit union · branch in Oviedo · 31 FL branches | $1k | Anyone (via a partner group) |
| 5 yr | 3.51% | FAIRWINDS Credit union · branch in Oviedo · 31 FL branches | $1k | Anyone (via a partner group) |
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 |
|---|---|---|
| JPMorgan Chase Bank, National Association Bank · branch in Oviedo · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| TrustCo Bank Bank · branch in Oviedo · 51 FL branches | 3.75% 9 mo · $500 min | Anyone |
| FAIRWINDS Credit union · branch in Oviedo · 31 FL branches | 3.65% 6 mo · $1k min | Anyone (via a partner group) |
| Wells Fargo Bank, National Association Bank · branch in Oviedo · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| Truist Bank Bank · branch in Oviedo · 441 FL branches | promos only — see page | Anyone |
| Seacoast National Bank Bank · branch in Oviedo · 103 FL branches | promos only — see page | Anyone |
| Hancock Whitney Bank Bank · branch in Oviedo · 38 FL branches | promos only — see page | Anyone |
| VyStar Credit union · branch in Oviedo · 92 FL branches | promos only — see page | 49 FL counties |
Also with branches in Oviedo, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · Regions Bank · Fifth Third Bank, National Association · PNC Bank, National Association · Mainstreet Community Bank of Florida.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Wells Fargo Bank, National Association Bank · branch in Oviedo · 463 FL branches | 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 Bank · branch in Oviedo · 463 FL branches | 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 Bank · branch in Oviedo · 38 FL branches | 4.25% promo | 2 yr | $1k | Promotional CD (ZIP 33602) — $1,000 deposit required to open and earn the promotional APY |
| Hancock Whitney Bank Bank · branch in Oviedo · 38 FL branches | 4.15% promo | 11 mo | $1k | Promotional CD (ZIP 33602) — $1,000 deposit required to open and earn the promotional APY |
| VyStar Credit union · branch in Oviedo · 92 FL branches | 4.15% promo | 30 mo | $50k | Special High-Yield CD (jumbo tier) — Table prints '$49,999,99 and higher'; footnote states $50,000 minimum deposit required · 49 FL counties |
| Wells Fargo Bank, National Association Bank · branch in Oviedo · 463 FL branches | 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 Bank · branch in Oviedo · 463 FL branches | 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) |
| VyStar Credit union · branch in Oviedo · 92 FL branches | 4.05% promo | 30 mo | $500 (cap $50k) | Special High-Yield CD — Max $50k · Balance tier $500 - $49,999.99 · 49 FL counties |
Seminole County · Altamonte Springs · Casselberry · Lake Mary · Longwood · Maitland · Sanford · Winter Park · Winter Springs
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