Florida CD rates › By county › Bay County and Walton County › Panama City Beach
✓ 7 institutions with branches in Panama City Beach · 114 you can open · verified 2026-10-01
Panama City Beach is in Bay and Walton counties. 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 | 3.71% | All In Credit union · branch in Panama City Beach · 6 FL branches | $100k | 3 FL counties |
| 6 mo | 4.12% | All In Credit union · branch in Panama City Beach · 6 FL branches | $100k | 3 FL counties |
| 9 mo | 3.71% | All In Credit union · branch in Panama City Beach · 6 FL branches | $100k | 3 FL counties |
| 1 yr | 4.23% | All In Credit union · branch in Panama City Beach · 6 FL branches | $100k | 3 FL counties |
| 18 mo | 4.28% | All In Credit union · branch in Panama City Beach · 6 FL branches | $100k | 3 FL counties |
| 2 yr | 3.87% | All In Credit union · branch in Panama City Beach · 6 FL branches | $100k | 3 FL counties |
| 3 yr | 3.87% | All In Credit union · branch in Panama City Beach · 6 FL branches | $100k | 3 FL counties |
| 4 yr | 3.92% | All In Credit union · branch in Panama City Beach · 6 FL branches | $100k | 3 FL counties |
| 5 yr | 4.28% | All In Credit union · branch in Panama City Beach · 6 FL branches | $100k | 3 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
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 |
|---|---|---|
| All In Credit union · branch in Panama City Beach · 6 FL branches | 4.28% 18 mo · $100k min | 3 FL counties |
| Innovations Financial Credit union · branch in Panama City Beach · 10 FL branches | 4.00% 8 mo · $1k min | 10 FL counties |
| Panhandle Credit union · branch in Panama City Beach · 7 FL branches | 3.75% 1 yr · — min | 7 FL counties |
| The Huntington National Bank Bank · branch in Panama City Beach · 19 FL branches | 3.66% 5 mo · $1k min | Anyone |
| Hello Credit union · branch in Panama City Beach · 4 FL branches | 3.25% 7 mo · $500 min | 8 FL counties |
| Wells Fargo Bank, National Association Bank · branch in Panama City Beach · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| Truist Bank Bank · branch in Panama City Beach · 441 FL branches | promos only — see page | Anyone |
Also with branches in Panama City Beach, but not posting CD rates on their websites (ask in the branch): Regions Bank · Centennial Bank · Capital City Bank · Ameris Bank · Trustmark Bank · PeoplesSouth Bank · Community Bank of Mississippi · MidSouth Bank.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Wells Fargo Bank, National Association Bank · branch in Panama City Beach · 463 FL branches | 4.25% promo | 11 mo | $5k (cap $2.5M) | 11 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Panama City Beach · 463 FL branches | 4.25% promo | 11 mo | $5k (cap $2.5M) | Special Fixed Rate CD (11 month) - Relationship APY — Max $2.5M · Requires linked qualifying checking — Orlando/Jacksonville pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Panama City Beach · 463 FL branches | 4.10% promo | 7 mo | $5k (cap $2.5M) | 7 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Panama City Beach · 463 FL branches | 4.10% promo | 7 mo | $5k (cap $2.5M) | Special Fixed Rate CD (7 month) - Relationship APY — Max $2.5M · Requires linked qualifying checking — Orlando/Jacksonville pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Panama City Beach · 463 FL branches | 4.00% promo | 15 mo | $5k (cap $2.5M) | 15 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Panama City Beach · 463 FL branches | 4.00% promo | 15 mo | $5k (cap $2.5M) | Special Fixed Rate CD (15 month) - Relationship APY — Max $2.5M · Requires linked qualifying checking — Orlando/Jacksonville pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Panama City Beach · 463 FL branches | 3.99% promo | 11 mo | $5k (cap $2.5M) | 11 month Special Fixed Rate CD — Max $2.5M · Renewal term 6 months — Miami/Tampa pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Panama City Beach · 463 FL branches | 3.99% promo | 11 mo | $5k (cap $2.5M) | Special Fixed Rate CD (11 month) — Max $2.5M · Special Interest Rate 3.91%; renews to 6 month term, renewal APY 0.05% — Orlando/Jacksonville pricing (varies by location) |
Bay County and Walton County · Defuniak Springs · Destin · Freeport · Lynn Haven · Miramar · Miramar Beach · Panama City · Santa Rosa Beach
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