Florida CD rates › By county › St. Johns County › Ponte Vedra Beach
✓ 7 institutions with branches in Ponte Vedra Beach · 114 you can open · verified 2026-10-01
Ponte Vedra Beach is in St. Johns 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 | 2.50% | First-Citizens Bank & Trust Company Bank · branch in Ponte Vedra Beach · 27 FL branches | $500 | Anyone |
| 6 mo | 2.25% | First-Citizens Bank & Trust Company Bank · branch in Ponte Vedra Beach · 27 FL branches | $500 | Anyone |
| 9 mo | 0.10% | First Horizon Bank Bank · branch in Ponte Vedra Beach · 76 FL branches | — | Anyone |
| 1 yr | 2.00% | First-Citizens Bank & Trust Company Bank · branch in Ponte Vedra Beach · 27 FL branches | $500 | Anyone |
| 18 mo | 0.02% | First-Citizens Bank & Trust Company Bank · branch in Ponte Vedra Beach · 27 FL branches | $500 | Anyone |
| 2 yr | 0.10% | First Horizon Bank Bank · branch in Ponte Vedra Beach · 76 FL branches | — | Anyone |
| 3 yr | 0.10% | First Horizon Bank Bank · branch in Ponte Vedra Beach · 76 FL branches | — | Anyone |
| 4 yr | 0.15% | First-Citizens Bank & Trust Company Bank · branch in Ponte Vedra Beach · 27 FL branches | $500 | Anyone |
| 5 yr | 0.10% | First Horizon Bank Bank · branch in Ponte Vedra Beach · 76 FL branches | — | 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 |
|---|---|---|
| JPMorgan Chase Bank, National Association Bank · branch in Ponte Vedra Beach · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| United Community Bank Bank · branch in Ponte Vedra Beach · 22 FL branches | 3.80% 8 mo · $2.5k min | Anyone |
| First-Citizens Bank & Trust Company Bank · branch in Ponte Vedra Beach · 27 FL branches | 2.50% 3 mo · $500 min | Anyone |
| Wells Fargo Bank, National Association Bank · branch in Ponte Vedra Beach · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| First Horizon Bank Bank · branch in Ponte Vedra Beach · 76 FL branches | 0.10% 6 mo · — min | Anyone |
| Truist Bank Bank · branch in Ponte Vedra Beach · 441 FL branches | promos only — see page | Anyone |
| VyStar Credit union · branch in Ponte Vedra Beach · 92 FL branches | promos only — see page | 49 FL counties |
Also with branches in Ponte Vedra Beach, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · Fifth Third Bank, National Association · PNC Bank, National Association · Ameris Bank.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Wells Fargo Bank, National Association Bank · branch in Ponte Vedra 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 Ponte Vedra 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) |
| VyStar Credit union · branch in Ponte Vedra Beach · 92 FL branches | 4.15% promo | 30 mo | $50k | Special High-Yield CD (jumbo tier) — Table prints '$49,999,99 and higher'; footnote states $50,000 minimum deposit required · 49 FL counties |
| Wells Fargo Bank, National Association Bank · branch in Ponte Vedra 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 Ponte Vedra 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) |
| VyStar Credit union · branch in Ponte Vedra Beach · 92 FL branches | 4.05% promo | 30 mo | $500 (cap $50k) | Special High-Yield CD — Max $50k · Balance tier $500 - $49,999.99 · 49 FL counties |
| JPMorgan Chase Bank, National Association Bank · branch in Ponte Vedra Beach · 419 FL branches | 4.00% promo | 7 mo | $100k | CD relationship rate (featured, $100,000 minimum) — Requires qualifying linked Chase personal checking account; not applicable to retirement CDs |
| First-Citizens Bank & Trust Company Bank · branch in Ponte Vedra Beach · 27 FL branches | 4.00% promo | 5 mo | $5k (cap $250k) | Online Promotional CD - 5 month — Max $250k · Online promotional CD; new money; must be funded from external sources; not available for IRA/trusts/businesses |
St. Johns County · Jacksonville · Ponte Vedra · St. Augustine · St. Johns
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