Florida CD rates › By county › Palm Beach County › Palm Beach
✓ 10 institutions with branches in Palm Beach · 116 you can open · verified 2026-10-01
Palm Beach is in Palm Beach 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% | Valley National Bank Bank · branch in Palm Beach · 41 FL branches | $500 | Anyone |
| 6 mo | 4.00% | CIBC Bank USA Bank · branch in Palm Beach | $1k | Anyone |
| 9 mo | 4.20% | CIBC Bank USA Bank · branch in Palm Beach | $1k | Anyone |
| 1 yr | 3.50% | Valley National Bank Bank · branch in Palm Beach · 41 FL branches | $500 | Anyone |
| 18 mo | 4.15% | CIBC Bank USA Bank · branch in Palm Beach | $1k | Anyone |
| 2 yr | 4.00% | CIBC Bank USA Bank · branch in Palm Beach | $1k | Anyone |
| 3 yr | 3.20% | Valley National Bank Bank · branch in Palm Beach · 41 FL branches | $500 | Anyone |
| 4 yr | 3.05% | Valley National Bank Bank · branch in Palm Beach · 41 FL branches | $500 | Anyone |
| 5 yr | 1.60% | First Bank Bank · branch in Palm Beach | $500 | Anyone |
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 |
|---|---|---|
| CIBC Bank USA Bank · branch in Palm Beach | 4.30% 13 mo · $1k min | Anyone |
| Citizens Bank, National Association Bank · branch in Palm Beach · 7 FL branches | 4.15% 5 mo · $25k min | Anyone |
| JPMorgan Chase Bank, National Association Bank · branch in Palm Beach · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Valley National Bank Bank · branch in Palm Beach · 41 FL branches | 3.55% 3 mo · $500 min | Anyone |
| Manufacturers and Traders Trust Company Bank · branch in Palm Beach · 3 FL branches | 3.00% 6 mo · $1k min | Anyone |
| First Bank Bank · branch in Palm Beach | 3.00% 1 yr · $500 min | Anyone |
| Wells Fargo Bank, National Association Bank · branch in Palm Beach · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| U.S. Bank National Association Bank · branch in Palm Beach · 3 FL branches | 0.40% 5 yr · $1k min | Anyone |
| First Horizon Bank Bank · branch in Palm Beach · 76 FL branches | 0.10% 6 mo · — min | Anyone |
| Truist Bank Bank · branch in Palm Beach · 441 FL branches | promos only — see page | Anyone |
Also with branches in Palm Beach, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · The Northern Trust Company · Wilmington Trust, National Association · Cypress Bank & Trust · Safra National Bank of New York.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| CIBC Bank USA Bank · branch in Palm Beach | 4.35% promo | 1 yr | $1k (cap $5M) | CIBC Agility CD — Max $5M · Featured rate |
| Wells Fargo Bank, National Association Bank · branch in Palm Beach · 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 Palm Beach · 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) |
| Valley National Bank Bank · branch in Palm Beach · 41 FL branches | 4.10% promo | 6 mo | $500 | 6-Month CD Promotion — New money deposit only; $500 minimum to open |
| Wells Fargo Bank, National Association Bank · branch in Palm Beach · 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 Palm Beach · 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) |
| JPMorgan Chase Bank, National Association Bank · branch in Palm Beach · 419 FL branches | 4.00% promo | 7 mo | $100k | CD relationship rate (featured, $100,000 minimum) — Requires qualifying linked Chase personal checking account; not applicable to retirement CDs |
| Wells Fargo Bank, National Association Bank · branch in Palm Beach · 463 FL branches | 4.00% promo | 15 mo | $5k (cap $2.5M) | 15 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
Palm Beach County · Belle Glade · Boca Raton · Boynton Beach · Delray Beach · Greenacres · Juno Beach · Jupiter · Lake Worth · Lantana · North Palm Beach · Palm Beach Gardens · Palm Springs · Riviera Beach · Royal Palm Beach · Tequesta · Wellington
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