Florida CD rates › By county › Gilchrist County
✓ 1 institution with branches here · 110 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Gilchrist 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.
No bank or credit union with a branch in Gilchrist County posts standard CD rates on its website today (checked 2026-10-01). The rates below are open to a Gilchrist County resident online or by phone.
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 Gilchrist | Best standard CD | Who can open |
|---|---|---|---|
| Seacoast National Bank Bank | Trenton | promos only — see page | Anyone |
Also with branches in Gilchrist County, but not posting CD rates on their websites (ask in the branch): Capital City Bank (Bell, Fanning Springs) · Ameris Bank (Trenton) · Lafayette State Bank (Bell).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Seacoast National Bank 1 location: Trenton | 3.55% promo | 1 yr | $1k | Certificate of Deposit — Minimum opening deposit of $1,000 required. Not available to funds currently on deposit at Seacoast Bank. Special APY applies to initial term only; branch visit |
| Seacoast National Bank 1 location: Trenton | 3.30% promo | 7 mo | $1k | Certificate of Deposit — Minimum opening deposit of $1,000 required. Not available to funds currently on deposit at Seacoast Bank. Special APY applies to initial term only; branch visit |
| Seacoast National Bank 1 location: Trenton | 3.25% promo | 3 mo | $1k | Certificate of Deposit — Minimum opening deposit of $1,000 required. Not available to funds currently on deposit at Seacoast Bank. Special APY applies to initial term only; branch visit |
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