Florida CD rates › By county › Gadsden County
✓ 1 institution with branches here · 111 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Gadsden County or they are open to all — employer-only and out-of-state charters are left off rather than listed with a catch you can't clear. Rates move; the date above is when we last read each sheet.
| Term | Best local APY | Institution | Minimum | Who can open |
|---|---|---|---|---|
| 6 mo | 3.35% | Addition Financial 2 locations: Chattahoochee, Quincy | $1k | 43 FL counties |
| 1 yr | 3.56% | Addition Financial 2 locations: Chattahoochee, Quincy | $1k | 43 FL counties |
| 2 yr | 3.61% | Addition Financial 2 locations: Chattahoochee, Quincy | $1k | 43 FL counties |
| 3 yr | 3.66% | Addition Financial 2 locations: Chattahoochee, Quincy | $1k | 43 FL counties |
| 4 yr | 3.71% | Addition Financial 2 locations: Chattahoochee, Quincy | $1k | 43 FL counties |
| 5 yr | 3.82% | Addition Financial 2 locations: Chattahoochee, Quincy | $1k | 43 FL counties |
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
These are the same statewide leaders on every county page — banks and online banks take anyone, and the credit unions here are open to all. Membership conditions are on each institution's page.
| Institution | Branches in Gadsden | Best standard CD | Who can open |
|---|---|---|---|
| Addition Financial Credit union | Chattahoochee, Quincy | 3.82% 5 yr · $1k min | 43 FL counties |
Also with branches in Gadsden County, but not posting CD rates on their websites (ask in the branch): Centennial Bank (Quincy) · Capital City Bank (Havana, Quincy).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Addition Financial 2 locations: Chattahoochee, Quincy | 3.66% promo | 39 mo | $1k | Bump-up Certificate (39 month) — One-time bump-up option to current 36-month rate; renews at 36 months · 43 FL counties |
The statewide promo board, with every catch spelled out, is on the homepage.
Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions