Florida CD rates › By county › Sumter County
✓ 9 institutions with branches here · 113 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Sumter 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 | 1.25% | MIDFLORIDA 1 location: The Villages | $1k | Regional |
| 6 mo | 3.95% | Suncoast 2 locations: Bushnell, Wildwood | $100k | Regional |
| 1 yr | 3.95% | Suncoast 2 locations: Bushnell, Wildwood | $100k | Regional |
| 18 mo | 4.50% | Suncoast 2 locations: Bushnell, Wildwood | $100k | Regional |
| 2 yr | 4.00% | Suncoast 2 locations: Bushnell, Wildwood | $100k | Regional |
| 3 yr | 4.25% | Suncoast 2 locations: Bushnell, Wildwood | $100k | Regional |
| 4 yr | 4.00% | Suncoast 2 locations: Bushnell, Wildwood | $100k | Regional |
| 5 yr | 4.00% | Suncoast 2 locations: Bushnell, Wildwood | $100k | Regional |
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 Sumter | Best standard CD | Who can open |
|---|---|---|---|
| Suncoast Credit union | Bushnell, Wildwood | 4.50% 18 mo · $100k min | Regional |
| JPMorgan Chase Bank, National Association Bank | Lady Lake, The Villages | 4.00% 7 mo · $100k min | Anyone |
| MIDFLORIDA Credit union | The Villages | 3.00% 5 yr · $1k min | Regional |
| Wells Fargo Bank, National Association Bank | Lady Lake, The Villages | 1.51% 1 yr · $2.5k min | Anyone |
| United Southern Bank Bank | Lady Lake, Wildwood | 0.35% 5 yr · $1k min | Anyone |
| Truist Bank Bank | Bushnell, The Villages, Wildwood | promos only — see page | Anyone |
| Seacoast National Bank Bank | Middleton, The Villages | promos only — see page | Anyone |
| VyStar Credit union | The Villages, Wildwood | promos only — see page | 49 FL counties |
| Florida Credit union | Wildwood | promos only — see page | 48 FL counties |
Also with branches in Sumter County, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association (Lady Lake, The Villages) · Regions Bank (Bushnell, The Villages) · Fifth Third Bank, National Association (The Villages) · SouthState Bank, National Association (Bushnell) · Campus USA (The Villages).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Wells Fargo Bank, National Association 2 locations: Lady Lake, The Villages | 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 2 locations: Lady Lake, The Villages | 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) |
| VyStar 2 locations: The Villages, Wildwood | 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 |
| Florida 1 location: Wildwood | 4.15% promo | 13 mo | $1k (cap $5M) | 13 Month CD Special (CD or IRA CD) — Max $5M · Limited time offer; minimum balance to open varies per certificate; page states CD terms start with $1,000 minimum deposit · 48 FL counties |
| Wells Fargo Bank, National Association 2 locations: Lady Lake, The Villages | 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 2 locations: Lady Lake, The Villages | 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 2 locations: The Villages, Wildwood | 4.05% promo | 30 mo | $500 (cap $50k) | Special High-Yield CD — Max $50k · Balance tier $500 - $49,999.99 · 49 FL counties |
| JPMorgan Chase Bank, National Association 2 locations: Lady Lake, The Villages | 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 |
The statewide promo board, with every catch spelled out, is on the homepage.
Bushnell · Lady Lake · The Villages · Wildwood
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