Florida CD rates › By county › Lee County › St. James City
✓ 2 institutions with branches in St. James City · 114 you can open · verified 2026-10-01
St. James City is in Lee 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 | 0.05% | First Horizon Bank Bank · branch in St. James City · 76 FL branches | — | Anyone |
| 6 mo | 0.10% | First Horizon Bank Bank · branch in St. James City · 76 FL branches | — | Anyone |
| 9 mo | 0.10% | First Horizon Bank Bank · branch in St. James City · 76 FL branches | — | Anyone |
| 1 yr | 0.10% | First Horizon Bank Bank · branch in St. James City · 76 FL branches | — | Anyone |
| 2 yr | 0.10% | First Horizon Bank Bank · branch in St. James City · 76 FL branches | — | Anyone |
| 3 yr | 0.10% | First Horizon Bank Bank · branch in St. James City · 76 FL branches | — | Anyone |
| 4 yr | 0.10% | First Horizon Bank Bank · branch in St. James City · 76 FL branches | — | Anyone |
| 5 yr | 0.10% | First Horizon Bank Bank · branch in St. James City · 76 FL branches | — | 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 |
|---|---|---|
| First Horizon Bank Bank · branch in St. James City · 76 FL branches | 0.10% 6 mo · — min | Anyone |
| Truist Bank Bank · branch in St. James City · 441 FL branches | promos only — see page | Anyone |
Also with branches in St. James City, but not posting CD rates on their websites (ask in the branch): Centennial Bank.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Truist Bank Bank · branch in St. James City · 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 |
Lee County · Bonita Springs · Cape Coral · Estero · Fort Myers · Lehigh Acres · Sanibel
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