Florida CD rates › By county › Orange County and Seminole County › Winter Park
✓ 19 institutions with branches in Winter Park · 121 you can open · verified 2026-10-01
Winter Park is in Orange and Seminole counties. 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 | 3.75% | DFCU Financial Credit union · branch in Winter Park · 9 FL branches | $1k | Regional |
| 6 mo | 4.00% | DFCU Financial Credit union · branch in Winter Park · 9 FL branches | $1k | Regional |
| 9 mo | 3.75% | TrustCo Bank Bank · branch in Winter Park · 51 FL branches | $500 | Anyone |
| 1 yr | 4.14% | TD Bank, National Association Bank · branch in Winter Park · 166 FL branches | $0.01 | Anyone |
| 18 mo | 4.50% | Suncoast Credit union · branch in Winter Park · 81 FL branches | $100k | Regional |
| 2 yr | 4.40% | DFCU Financial Credit union · branch in Winter Park · 9 FL branches | $1k | Regional |
| 3 yr | 4.25% | Suncoast Credit union · branch in Winter Park · 81 FL branches | $100k | Regional |
| 4 yr | 4.00% | Suncoast Credit union · branch in Winter Park · 81 FL branches | $100k | Regional |
| 5 yr | 4.00% | Suncoast Credit union · branch in Winter Park · 81 FL branches | $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
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 Winter Park · 81 FL branches | 4.50% 18 mo · $100k min | Regional |
| DFCU Financial Credit union · branch in Winter Park · 9 FL branches | 4.40% 2 yr · $1k min | Regional |
| TD Bank, National Association Bank · branch in Winter Park · 166 FL branches | 4.29% 2 yr · $0.01 min | Anyone |
| JPMorgan Chase Bank, National Association Bank · branch in Winter Park · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Commerce Bank & Trust Bank · branch in Winter Park | 4.00% 18 mo · $500 min | Anyone |
| United Community Bank Bank · branch in Winter Park · 22 FL branches | 3.80% 8 mo · $2.5k min | Anyone |
| TrustCo Bank Bank · branch in Winter Park · 51 FL branches | 3.75% 9 mo · $500 min | Anyone |
| FAIRWINDS Credit union · branch in Winter Park · 31 FL branches | 3.65% 6 mo · $1k min | Anyone (via a partner group) |
| Valley National Bank Bank · branch in Winter Park · 41 FL branches | 3.55% 3 mo · $500 min | Anyone |
| Axiom Bank, National Association Bank · branch in Winter Park · 7 FL branches | 3.50% 6 mo · $500 min | Anyone |
| USF Federal Credit Union Credit union · branch in Winter Park · 11 FL branches | 3.50% 4 mo · $500 min | Anyone (via a partner group) |
| Climate First Bank Bank · branch in Winter Park · 3 FL branches | 2.68% 15 mo · $500 min | Anyone |
| First-Citizens Bank & Trust Company Bank · branch in Winter Park · 27 FL branches | 2.50% 3 mo · $500 min | Anyone |
| Wells Fargo Bank, National Association Bank · branch in Winter Park · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| First Horizon Bank Bank · branch in Winter Park · 76 FL branches | 0.10% 6 mo · — min | Anyone |
| Truist Bank Bank · branch in Winter Park · 441 FL branches | promos only — see page | Anyone |
| Seacoast National Bank Bank · branch in Winter Park · 103 FL branches | promos only — see page | Anyone |
| Hancock Whitney Bank Bank · branch in Winter Park · 38 FL branches | promos only — see page | Anyone |
| VyStar Credit union · branch in Winter Park · 92 FL branches | promos only — see page | 49 FL counties |
Also with branches in Winter Park, 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 · City National Bank of Florida · Cogent Bank · BNY Mellon, National Association · Central Bank.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Climate First Bank Bank · branch in Winter Park · 3 FL branches | 4.39% promo | 5 yr | $500 | 60-Month CD — 90 days interest penalty for early withdrawal; accurate as of 8-28-2026 |
| Climate First Bank Bank · branch in Winter Park · 3 FL branches | 4.33% promo | 6 mo | $500 | 6-Month Penalty-Free CD — No penalty for early withdrawals; no additional deposits; rate accurate as of 9-15-2026 |
| TD Bank, National Association Bank · branch in Winter Park · 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 Winter Park · 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 Winter Park · 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 Winter Park · 166 FL branches | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
| DFCU Financial Credit union · branch in Winter Park · 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 Winter Park · 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 |
Orange County and Seminole County · Altamonte Springs · Apopka · Casselberry · Lake Mary · Longwood · Maitland · Ocoee · Orlando · Oviedo · Sanford · Windermere · Winter Garden · Winter Springs
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