Florida CD rates › By county › Santa Rosa County › Jay
✓ 2 institutions with branches in Jay · 111 you can open · verified 2026-10-01
Jay is in Santa Rosa County. Banks and online banks are open to anyone; credit unions appear only when their charter covers the county or they are open to all. Rates move; the date above is when we last read each sheet.
| Term | Best local APY | Institution | Minimum | Who can open |
|---|---|---|---|---|
| 3 mo | 0.90% | Santa Rosa County Credit union · branch in Jay · 5 FL branches | $1k | 3 FL counties |
| 6 mo | 2.00% | Santa Rosa County Credit union · branch in Jay · 5 FL branches | $1k | 3 FL counties |
| 9 mo | 3.51% | Santa Rosa County Credit union · branch in Jay · 5 FL branches | $1k | 3 FL counties |
| 1 yr | 2.50% | Santa Rosa County Credit union · branch in Jay · 5 FL branches | $1k | 3 FL counties |
| 18 mo | 4.00% | Santa Rosa County Credit union · branch in Jay · 5 FL branches | $1k | 3 FL counties |
| 2 yr | 2.75% | Santa Rosa County Credit union · branch in Jay · 5 FL branches | $1k | 3 FL counties |
| 3 yr | 3.00% | Santa Rosa County Credit union · branch in Jay · 5 FL branches | $1k | 3 FL counties |
| 4 yr | 1.05% | United Bank Bank · branch in Jay · 3 FL branches | $500 | Anyone |
| 5 yr | 1.20% | United Bank Bank · branch in Jay · 3 FL branches | $500 | Anyone |
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
Statewide leaders, the same on every city page — banks and online banks take anyone, and these credit unions are open to all. Membership conditions are on each institution's page.
| Institution | Best standard CD | Who can open |
|---|---|---|
| Santa Rosa County Credit union · branch in Jay · 5 FL branches | 4.00% 18 mo · $1k min | 3 FL counties |
| United Bank Bank · branch in Jay · 3 FL branches | 1.20% 5 yr · $500 min | Anyone |
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| United Bank Bank · branch in Jay · 3 FL branches | 4.35% promo | 18 mo | $1k | CD Special |
| United Bank Bank · branch in Jay · 3 FL branches | 4.35% promo | 18 mo | $1k | CD Special IRA — IRA |
| United Bank Bank · branch in Jay · 3 FL branches | 4.10% promo | 13 mo | $1k | CD Special |
| United Bank Bank · branch in Jay · 3 FL branches | 4.10% promo | 13 mo | $1k | CD Special IRA — IRA |
| United Bank Bank · branch in Jay · 3 FL branches | 4.00% promo | 6 mo | $1k | CD Special — Minimum balance $1,000 to obtain APY |
| United Bank Bank · branch in Jay · 3 FL branches | 4.00% promo | 6 mo | $1k | CD Special IRA — IRA; minimum balance $1,000 |
Santa Rosa County · Gulf Breeze · Milton · Navarre · Pace
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