{"id":4008,"date":"2025-08-19T11:44:19","date_gmt":"2025-08-19T18:44:19","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=4008"},"modified":"2026-05-01T15:43:47","modified_gmt":"2026-05-01T22:43:47","slug":"best-cd-rates-tampa-fl","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/best-cd-rates-tampa-fl\/","title":{"rendered":"Best CD Rates in Tampa, Florida \u2013 12 Month CD @ 4.08% APY"},"content":{"rendered":"\t\t\t\t
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\n\t\t\t\t\t\t\tTable Of Contents\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
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  1. What is a CD?<\/a>
  2. How CD Valet Helps You Find the Best CD Rates<\/a>
  3. Top CD Rates in Tampa, Florida<\/a>
  4. How to Choose the Right CD for You<\/a>
  5. Frequency Asked Questions about CDs in Tampa<\/a><\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\n\n

    Looking to securely grow your savings in Tampa? Certificates of Deposit (CDs) offer a reliable way to earn higher interest rates compared to traditional savings accounts. This guide explains what CDs are, where to find the best rates in Tampa or the state of Florida, and how CD Valet<\/a> can assist you in making informed decisions with your savings.<\/p>\n\n\n\n

    <\/div><\/div>\n\n\n\n

    What is a CD?<\/h2>\n\n\n\n

    A Certificate of Deposit (CD) is an account that holds a fixed amount of money for a fixed period of time, known as the term, and, in exchange, the issuing financial institution pays interest. CDs typically offer higher interest rates than regular savings accounts and are insured by FDIC- or NCUA-insurance up to $250,000 per depositor, per institution, per account category.<\/p>\n\n\n\n

    How CD Valet Helps You Find the Best CD Rates<\/h2><\/div>\n\n\n\n

    CD Valet is an online marketplace<\/a> that allows you to compare CD rates from banks and credit unions nationwide, including those in Tampa. With CD Valet, you can:

     \u2022 View rates from multiple financial institutions side by side
     \u2022 Filter CDs by term length, minimum deposit, and institution type
     \u2022 Access the latest information on new CD offers
     \u2022 Make informed decisions about where to place your savings <\/p>\n\n\n\n

     \u2022 Receive regular CD rate updates and exclusive offers by becoming a subscriber<\/a>.   
    <\/p>\n\n\n\n

    Top CD Rates in Tampa, Florida<\/h2>\n\n\n\n

    Here are some of the best CD rates currently available in Florida from financial institutions with a branch location in the Greater Tampa area. It’s a smart move to compare the best rates available nationwide<\/strong><\/a> from federally insured banks and credit unions, in order to make sure you are getting the best rate matched to your savings goals. (Data as of 5\/1\/2026)<\/em><\/p>\n\n\n\n

    Financial Institution<\/strong><\/td>Term<\/strong><\/td>APY*<\/strong><\/td>Min. Deposit<\/strong><\/td>Insured by<\/strong><\/td><\/tr>
    Florida West Coast Credit Union<\/a><\/td>12 Months<\/td>4.08%<\/td>$500<\/td>NCUA insured<\/td><\/tr>
    Achieva Credit Union<\/a><\/td>6 Months<\/td>4.00%<\/td>$100,000<\/td>NCUA insured<\/td><\/tr>
     Bank OZK<\/a><\/td>7 Months<\/td>4.00%<\/td>$1,000<\/td>Member FDIC<\/td><\/tr>
    Suncoast Credit Union<\/a><\/td>24 Months<\/td>4.00%<\/td>$100,000<\/td>NCUA insured<\/td><\/tr>
    Grow Financial Federal Credit Union<\/a><\/td>12-17 Mo<\/td>3.97%<\/td>$100,000<\/td>NCUA insured<\/td><\/tr>
    GTE Federal Credit Union<\/a><\/td>60 Months<\/td>3.82%<\/td>$100,000<\/td>NCUA insured<\/td><\/tr><\/tbody><\/table>
    Note: *Annual Percentage Yields (APY) not offered by CD Valet but based on data from various institutions as of 5\/1\/26 and subject to change. Early withdrawal penalty may apply. Fees may reduce earnings. Additional restrictions may apply. Rates are subject to change. Please verify with the institution before opening an account.<\/em><\/figcaption><\/figure>\n\n\n\n

    How to Choose the Right CD for You<\/h2>\n\n\n\n

    When selecting a CD, consider the following factors:
     \u2022 Term Length<\/strong>: Choose a term that aligns with your financial goals. Longer terms often offer higher rates but require you to lock in your funds for a more extended period.
     \u2022 Interest Rate<\/strong>: Compare the annual percentage yields to maximize your earnings.
     \u2022 Minimum Deposit<\/strong>: Ensure you meet the minimum deposit requirement for the CD.
     \u2022 Early Withdrawal Penalties<\/strong>: Be aware of any penalties for withdrawing funds before the CD matures.<\/p>\n\n\n\n

    Frequency Asked Questions about CDs in Tampa <\/h2>\n\n\n\n

    Are CD rates in Tampa better than in other cities?<\/strong>
    CD rates can vary by location and institution. It\u2019s advisable to compare rates in the city with those in nearby areas to ensure you\u2019re getting the best deal.

    Can I withdraw my money from a CD early?<\/strong>
     Yes, but early withdrawal typically includes a penalty, which can reduce your earned interest.

    How often do CD rates change?<\/strong>
    Once you open your CD, the rate for that CD does not change during the term unless there is a special feature of that CD product. Overall, the CD rates a bank or credit union is offering can change frequently based on economic conditions. Regularly check CD Valet for the most up-to-date rates.
    <\/p>\n\n\n\n

    Do I need a large amount of money to open a CD?<\/strong>
    Minimum deposit requirements vary by institution. Some CDs can be opened with smaller amounts of money while other \u201cjumbo\u201d CDs require a larger minimum.

    Start Earning More with CDs in Tampa<\/strong>

    Ready to take advantage of the best CD rates in Tampa? Visit CD Valet to compare rates, terms, and institutions to find the perfect CD for your financial needs.

    Disclaimer: The information provided in this article is for informational purposes only. Rates and terms are subject to change. Always verify current rates and terms with the financial institution before opening an account.<\/em><\/p>\n\n\n\n

    <\/p>\n","protected":false},"excerpt":{"rendered":"

    Looking to securely grow your savings in Tampa? Certificates of Deposit (CDs) offer a reliable way to earn higher interest rates compared to traditional savings accounts. This guide explains what CDs are, where to find the best rates in Tampa or the state of Florida, and how CD Valet can assist you in making informed […]<\/p>\n","protected":false},"author":18,"featured_media":4347,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_eb_attr":"","_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_links_to":"","_links_to_target":""},"categories":[32],"tags":[],"class_list":["post-4008","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local-insights"],"acf":[],"yoast_head":"\nBest CD Rates in Tampa, Florida \u2013 12 Month CD @ 4.08% APY - CD Valet<\/title>\n<meta name=\"description\" content=\"Updated on 5\/1\/26. 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