Florida CD rates › By county › Hillsborough County › Tampa
✓ 30 institutions with branches in Tampa · 118 you can open · verified 2026-10-01
Tampa is in Hillsborough 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 | 4.10% | Beal Bank USA Bank · branch in Tampa · 2 FL branches | $1k | Anyone |
| 6 mo | 4.25% | Beal Bank USA Bank · branch in Tampa · 2 FL branches | $1k | Anyone |
| 9 mo | 4.30% | Beal Bank USA Bank · branch in Tampa · 2 FL branches | $1k | Anyone |
| 1 yr | 4.35% | Beal Bank USA Bank · branch in Tampa · 2 FL branches | $1k | Anyone |
| 18 mo | 4.50% | Suncoast Credit union · branch in Tampa · 81 FL branches | $100k | Regional |
| 2 yr | 4.40% | Beal Bank USA Bank · branch in Tampa · 2 FL branches | $1k | Anyone |
| 3 yr | 4.32% | Transport Credit union · branch in Tampa | $100k | 4 FL counties |
| 4 yr | 4.06% | Transport Credit union · branch in Tampa | $100k | 4 FL counties |
| 5 yr | 4.15% | Lake Michigan Credit union · branch in Tampa · 24 FL branches | $500 | 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
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 |
|---|---|---|
| Suncoast Credit union · branch in Tampa · 81 FL branches | 4.50% 18 mo · $100k min | Regional |
| Beal Bank USA Bank · branch in Tampa · 2 FL branches | 4.40% 2 yr · $1k min | Anyone |
| DFCU Financial Credit union · branch in Tampa · 9 FL branches | 4.40% 2 yr · $1k min | Regional |
| Third Federal Savings and Loan Association of Cleveland Bank · branch in Tampa · 16 FL branches | 4.35% 1 yr · $500 min | Anyone |
| CIBC National Trust Company Bank · branch in Tampa · 2 FL branches | 4.35% 1 yr · $1k min | Anyone |
| Transport Credit union · branch in Tampa | 4.32% 3 yr · $100k min | 4 FL counties |
| TD Bank, National Association Bank · branch in Tampa · 166 FL branches | 4.29% 2 yr · $0.01 min | Anyone |
| Lake Michigan Credit union · branch in Tampa · 24 FL branches | 4.15% 5 yr · $500 min | Regional |
| JPMorgan Chase Bank, National Association Bank · branch in Tampa · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Republic Bank & Trust Company Bank · branch in Tampa · 7 FL branches | 4.00% 11 mo · $1k min | Anyone |
| GTE Financial Credit union · branch in Tampa · 25 FL branches | 3.82% 1 yr · $100k min | Anyone (via a partner group) |
| United Community Bank Bank · branch in Tampa · 22 FL branches | 3.80% 8 mo · $2.5k min | Anyone |
| Tampa Bay Credit union · branch in Tampa · 5 FL branches | 3.70% 1 yr · $500 min | Anyone (via a partner group) |
| The Huntington National Bank Bank · branch in Tampa · 19 FL branches | 3.66% 5 mo · $1k min | Anyone |
| BayFirst National Bank Bank · branch in Tampa · 12 FL branches | 3.64% 6 mo · $1k min | Anyone |
| Valley National Bank Bank · branch in Tampa · 41 FL branches | 3.55% 3 mo · $500 min | Anyone |
| USF Federal Credit Union Credit union · branch in Tampa · 11 FL branches | 3.50% 4 mo · $500 min | Anyone (via a partner group) |
| Amerant Bank, National Association Bank · branch in Tampa · 21 FL branches | 3.25% 9 mo · $10k min | Anyone |
| MIDFLORIDA Credit union · branch in Tampa · 69 FL branches | 3.00% 5 yr · $1k min | Regional |
| First-Citizens Bank & Trust Company Bank · branch in Tampa · 27 FL branches | 2.50% 3 mo · $500 min | Anyone |
| BankUnited, National Association Bank · branch in Tampa · 50 FL branches | 2.45% 1 yr · $1k min | Anyone |
| Wells Fargo Bank, National Association Bank · branch in Tampa · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| Florida Capital Bank, National Association Bank · branch in Tampa · 5 FL branches | 0.55% 4 yr · $2k min | Anyone |
| First Horizon Bank Bank · branch in Tampa · 76 FL branches | 0.10% 6 mo · — min | Anyone |
| Truist Bank Bank · branch in Tampa · 441 FL branches | promos only — see page | Anyone |
| Seacoast National Bank Bank · branch in Tampa · 103 FL branches | promos only — see page | Anyone |
| Hancock Whitney Bank Bank · branch in Tampa · 38 FL branches | promos only — see page | Anyone |
| Renasant Bank Bank · branch in Tampa · 27 FL branches | promos only — see page | Anyone |
| INB, National Association Bank · branch in Tampa | promos only — see page | Anyone |
| Achieva Credit Union Credit union · branch in Tampa · 29 FL branches | promos only — see page | Anyone (via a partner group) |
Also with branches in Tampa, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · Regions Bank · Fifth Third Bank, National Association · PNC Bank, National Association · SouthState Bank, National Association · Pinnacle Bank · Centennial Bank · Bank OZK · The Northern Trust Company · BMO Bank National Association · The Bank of Tampa · American Momentum Bank · Cogent Bank · ServisFirst Bank · Sunflower Bank, National Association · Bank of Central Florida · BNY Mellon, National Association · Central Bank · TCM Bank, National Association · ENCORE BANK · Century Bank of Florida · Members Trust Company · Metro City Bank · Teachers.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Achieva Credit Union Credit union · branch in Tampa · 29 FL branches | 4.35% promo | 13 mo | $10k | Consumer CD / IRA Certificate (limited time offer) — Minimum opening deposit $10,000; new money only (funds not on deposit with Achieva in last 90 days) |
| Achieva Credit Union Credit union · branch in Tampa · 29 FL branches | 4.35% promo | 13 mo | $10k | Business CD (limited time offer) — Business accounts; minimum opening deposit $10,000; no new-money requirement |
| TD Bank, National Association Bank · branch in Tampa · 166 FL branches | 4.30% promo | 2 yr | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association Bank · branch in Tampa · 166 FL branches | 4.30% promo | 2 yr | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association Bank · branch in Tampa · 166 FL branches | 4.30% promo | 2 yr | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association Bank · branch in Tampa · 166 FL branches | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
| DFCU Financial Credit union · branch in Tampa · 9 FL branches | 4.25% promo | 11 mo | $1k (cap $25k) | Share Certificate ($1,000 to $24,999) — Max $25k · Limited-time 11-month special · Regional |
| DFCU Financial Credit union · branch in Tampa · 9 FL branches | 4.25% promo | 11 mo | $25k (cap $100k) | Share Certificate ($25,000 to $99,999) — Max $100k · Limited-time 11-month special · Regional |
Hillsborough County · Apollo Beach · Brandon · Lutz · Plant City · Riverview · Ruskin · Seffner · Sun City Center · Temple Terrace · Valrico
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