Florida CD rates › Banks › Climate First Bank
Bank · HQ Saint Petersburg, FL
✓ Verified 2026-10-01 from their own posted rate sheet
Climate First Bank currently posts 5 CD rates from 2.68% to 4.39% APY.
| Term | APY | Minimum | Details |
|---|---|---|---|
| 15 mo | 2.68% | $500 | One rate increase option; additional deposits up to half initial principal; one penalty-free withdrawal up to half principal; accurate as of 10-01-2025 |
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 5 yr | 4.39% promo | $500 | 60-Month CD — 90 days interest penalty for early withdrawal; accurate as of 8-28-2026 |
| 6 mo | 4.33% promo | $500 | 6-Month Penalty-Free CD — No penalty for early withdrawals; no additional deposits; rate accurate as of 9-15-2026 |
| 30 mo | 4.25% promo | $500 | 30-Month CD — 90 days interest penalty for early withdrawal; accurate as of 7-6-2026 |
| 1 yr | 4.15% promo | $500 | 12-Month Penalty-Free CD — No penalty for early withdrawals; promotional rate accurate as of 6-11-26 |
3 branches in 3 counties: Lake (Eustis) · Orange (Winter Park) · Pinellas (Saint Petersburg)
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