Best CD Rates in Tampa
Locally available certificate rates verified directly from official institution websites.
Compare more than the APY
The highest number is useful, but eligibility, deposit minimums, and the maturity process matter too.
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Check the minimum
A strong rate may require a larger opening balance than another offer.
Know the renewal window
Record the maturity date and grace period so the CD does not renew by surprise.
Current Rates in Tampa
Last verified: October 26, 2026
| Institution | Account | Term | APY | Minimum | Source |
|---|---|---|---|---|---|
| Achieva Credit Union Live or work in Hillsborough or another listed county; relatives of current members also eligible. Membership includes a savings account. | 13-Month Certificate CD | 13 months | 4.35% | $10,000 | Official rate |
| Space Coast Credit Union Live or work in Hillsborough or another listed Florida county; relatives of members also eligible. County list verified in official page via web reader. | 12-Month Certificate CD | 12 months | 4.25% | $500 | Official rate |
| MIDFLORIDA Credit Union Live, work, worship or attend school in listed counties including Hillsborough, Orange, Duval and Miami-Dade. | 36-Month CD Special CD | 36 months | 4.00% | $1,000 | Official rate |
| MIDFLORIDA Credit Union Live, work, worship or attend school in listed counties including Hillsborough, Orange, Duval and Miami-Dade. | 60-Month CD Special CD | 60 months | 4.00% | $1,000 | Official rate |
| MIDFLORIDA Credit Union Live, work, worship or attend school in listed counties including Hillsborough, Orange, Duval and Miami-Dade. | 8-Month CD Special CD | 8 months | 3.75% | $1,000 | Official rate |
| MIDFLORIDA Credit Union Live, work, worship or attend school in listed counties including Hillsborough, Orange, Duval and Miami-Dade. | 14-Month CD Special CD | 14 months | 3.75% | $1,000 | Official rate |
| GTE Financial Specified local ZIP codes, employer/family routes, or CU Savers membership for a one-time $10 fee. Do not imply every Tampa address qualifies geographically. | 12-Month Share Certificate CD | 12 months | 3.56% | $500 | Official rate |
| GTE Financial Specified local ZIP codes, employer/family routes, or CU Savers membership for a one-time $10 fee. Do not imply every Tampa address qualifies geographically. | 60-Month Share Certificate CD | 60 months | 3.56% | $500 | Official rate |
| GTE Financial Specified local ZIP codes, employer/family routes, or CU Savers membership for a one-time $10 fee. Do not imply every Tampa address qualifies geographically. | 48-Month Share Certificate CD | 48 months | 3.51% | $500 | Official rate |
| GTE Financial Specified local ZIP codes, employer/family routes, or CU Savers membership for a one-time $10 fee. Do not imply every Tampa address qualifies geographically. | 36-Month Share Certificate CD | 36 months | 3.45% | $500 | Official rate |
| GTE Financial Specified local ZIP codes, employer/family routes, or CU Savers membership for a one-time $10 fee. Do not imply every Tampa address qualifies geographically. | 6-Month Share Certificate CD | 6 months | 3.40% | $500 | Official rate |
| GTE Financial Specified local ZIP codes, employer/family routes, or CU Savers membership for a one-time $10 fee. Do not imply every Tampa address qualifies geographically. | 30-Month Share Certificate CD | 30 months | 3.40% | $500 | Official rate |
| GTE Financial Specified local ZIP codes, employer/family routes, or CU Savers membership for a one-time $10 fee. Do not imply every Tampa address qualifies geographically. | 24-Month Share Certificate CD | 24 months | 3.35% | $500 | Official rate |
| GTE Financial Specified local ZIP codes, employer/family routes, or CU Savers membership for a one-time $10 fee. Do not imply every Tampa address qualifies geographically. | 18-Month Share Certificate CD | 18 months | 3.30% | $500 | Official rate |
Rates may change without notice. Confirm all terms and eligibility directly with the financial institution.
Verified from official sources
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