Florida CD rates › By county › St. Johns County
✓ 11 institutions with branches here · 114 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers St. Johns County or they are open to all — employer-only and out-of-state charters are left off rather than listed with a catch you can't clear. 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 1 location: Saint Augustine | $500 | Anyone |
| 6 mo | 4.13% | Radiant 1 location: St Augustine | $50k | 22 FL counties |
| 9 mo | 3.49% | TD Bank, National Association 2 locations: Saint Augustine, Saint Johns | $0.01 | Anyone |
| 1 yr | 4.14% | TD Bank, National Association 2 locations: Saint Augustine, Saint Johns | $0.01 | Anyone |
| 18 mo | 4.24% | TD Bank, National Association 2 locations: Saint Augustine, Saint Johns | $0.01 | Anyone |
| 2 yr | 4.29% | TD Bank, National Association 2 locations: Saint Augustine, Saint Johns | $0.01 | Anyone |
| 3 yr | 4.29% | Community First Credit Union of Florida 2 locations: Saint Augustine, St Johns | $1M | 17 FL counties |
| 4 yr | 4.08% | Community First Credit Union of Florida 2 locations: Saint Augustine, St Johns | $1M | 17 FL counties |
| 5 yr | 4.18% | Community First Credit Union of Florida 2 locations: Saint Augustine, St Johns | $1M | 17 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
These are the same statewide leaders on every county page — banks and online banks take anyone, and the credit unions here are open to all. Membership conditions are on each institution's page.
| Institution | Branches in St. Johns | Best standard CD | Who can open |
|---|---|---|---|
| TD Bank, National Association Bank | Saint Augustine, Saint Johns | 4.29% 2 yr · $0.01 min | Anyone |
| Community First Credit Union of Florida Credit union | Saint Augustine, St Johns | 4.29% 3 yr · $1M min | 17 FL counties |
| Radiant Credit union | St Augustine | 4.20% 2 yr · $1k min | 22 FL counties |
| JPMorgan Chase Bank, National Association Bank | Ponte Vedra, Ponte Vedra Beach, Saint Augustine, Saint Johns, St Augustine | 4.00% 7 mo · $100k min | Anyone |
| United Community Bank Bank | Ponte Vedra Beach | 3.80% 8 mo · $2.5k min | Anyone |
| Valley National Bank Bank | Saint Augustine | 3.55% 3 mo · $500 min | Anyone |
| First-Citizens Bank & Trust Company Bank | Ponte Vedra Beach | 2.50% 3 mo · $500 min | Anyone |
| Wells Fargo Bank, National Association Bank | Jacksonville, Ponte Vedra, Ponte Vedra Beach, Saint Augustine | 1.51% 1 yr · $2.5k min | Anyone |
| First Horizon Bank Bank | Ponte Vedra Beach | 0.10% 6 mo · — min | Anyone |
| Truist Bank Bank | Jacksonville, Ponte Vedra Beach, Saint Augustine | promos only — see page | Anyone |
| VyStar Credit union | Jacksonville, Ponte Vedra Beach, Saint Augustine, Saint Johns, St Augustine | promos only — see page | 49 FL counties |
Also with branches in St. Johns County, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association (Ponte Vedra, Ponte Vedra Beach) · Regions Bank (Saint Augustine, Saint Johns) · Fifth Third Bank, National Association (Ponte Vedra Beach, St. Johns) · PNC Bank, National Association (Ponte Vedra Beach, Saint Augustine) · SouthState Bank, National Association (Saint Augustine) · Pinnacle Bank (Ponte Vedra) · Capital City Bank (Hastings) · Ameris Bank (Ponte Vedra Beach, Saint Augustine) · Barwick Banking Company (Saint Augustine) · Central Bank (Saint Augustine).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| TD Bank, National Association 2 locations: Saint Augustine, Saint Johns | 4.30% promo | 2 yr | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association 2 locations: Saint Augustine, Saint Johns | 4.30% promo | 2 yr | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association 2 locations: Saint Augustine, Saint Johns | 4.30% promo | 2 yr | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association 2 locations: Saint Augustine, Saint Johns | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
| TD Bank, National Association 2 locations: Saint Augustine, Saint Johns | 4.25% promo | 18 mo | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association 2 locations: Saint Augustine, Saint Johns | 4.25% promo | 18 mo | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association 2 locations: Saint Augustine, Saint Johns | 4.25% promo | 18 mo | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association 2 locations: Saint Augustine, Saint Johns | 4.25% promo | 18 mo | $100k | TD Choice CD Promotional ($100,000+) |
The statewide promo board, with every catch spelled out, is on the homepage.
Jacksonville · Ponte Vedra · Ponte Vedra Beach · St. Augustine · St. Johns
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