Florida CD rates › By county › Osceola County › St. Cloud
✓ 4 institutions with branches in St. Cloud · 118 you can open · verified 2026-10-01
St. Cloud is in Osceola 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 | 3.35% | Axiom Bank, National Association Bank · branch in St. Cloud · 7 FL branches | $500 | Anyone |
| 6 mo | 3.50% | Axiom Bank, National Association Bank · branch in St. Cloud · 7 FL branches | $500 | Anyone |
| 9 mo | 3.50% | Axiom Bank, National Association Bank · branch in St. Cloud · 7 FL branches | $500 | Anyone |
| 1 yr | 3.56% | Addition Financial Credit union · branch in St. Cloud · 33 FL branches | $1k | 43 FL counties |
| 18 mo | 3.45% | Axiom Bank, National Association Bank · branch in St. Cloud · 7 FL branches | $500 | Anyone |
| 2 yr | 3.61% | Addition Financial Credit union · branch in St. Cloud · 33 FL branches | $1k | 43 FL counties |
| 3 yr | 3.66% | Addition Financial Credit union · branch in St. Cloud · 33 FL branches | $1k | 43 FL counties |
| 4 yr | 3.71% | Addition Financial Credit union · branch in St. Cloud · 33 FL branches | $1k | 43 FL counties |
| 5 yr | 3.82% | Addition Financial Credit union · branch in St. Cloud · 33 FL branches | $1k | 43 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 |
|---|---|---|
| JPMorgan Chase Bank, National Association Bank · branch in St. Cloud · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Addition Financial Credit union · branch in St. Cloud · 33 FL branches | 3.82% 5 yr · $1k min | 43 FL counties |
| Axiom Bank, National Association Bank · branch in St. Cloud · 7 FL branches | 3.50% 6 mo · $500 min | Anyone |
| Truist Bank Bank · branch in St. Cloud · 441 FL branches | promos only — see page | Anyone |
Also with branches in St. Cloud, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · Regions Bank · PNC Bank, National Association · SouthState Bank, National Association · Centennial Bank · BankFlorida.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Axiom Bank, National Association Bank · branch in St. Cloud · 7 FL branches | 4.15% promo | 13 mo | $500 | Certificate of Deposit / IRA - 13 Month Promotion — Promotional rate |
| JPMorgan Chase Bank, National Association Bank · branch in St. Cloud · 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 |
| Addition Financial Credit union · branch in St. Cloud · 33 FL branches | 3.66% promo | 39 mo | $1k | Bump-up Certificate (39 month) — One-time bump-up option to current 36-month rate; renews at 36 months · 43 FL counties |
| Truist Bank Bank · branch in St. Cloud · 441 FL branches | 3.25% promo | 1 yr | $100k | Special CD ($100,000 and above) — Special rate on select new CD accounts; balances $100,000 and above; APY accurate as of 7/28/2026 |
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