Florida CD rates › By county › St. Lucie County
✓ 9 institutions with branches here · 115 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers St. Lucie 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 |
|---|---|---|---|---|
| 3 mo | 4.25% | iTHINK Financial 2 locations: Fort Pierce, Port St Lucie | $1k | 31 FL counties |
| 6 mo | 4.25% | iTHINK Financial 2 locations: Fort Pierce, Port St Lucie | $1k | 31 FL counties |
| 9 mo | 4.25% | iTHINK Financial 2 locations: Fort Pierce, Port St Lucie | $1k | 31 FL counties |
| 1 yr | 4.25% | iTHINK Financial 2 locations: Fort Pierce, Port St Lucie | $1k | 31 FL counties |
| 18 mo | 4.24% | TD Bank, National Association 2 locations: Fort Pierce, Port Saint Lucie | $0.01 | Anyone |
| 2 yr | 4.29% | TD Bank, National Association 2 locations: Fort Pierce, Port Saint Lucie | $0.01 | Anyone |
| 3 yr | 2.90% | iTHINK Financial 2 locations: Fort Pierce, Port St Lucie | $1k | 31 FL counties |
| 4 yr | 3.15% | iTHINK Financial 2 locations: Fort Pierce, Port St Lucie | $1k | 31 FL counties |
| 5 yr | 3.20% | iTHINK Financial 2 locations: Fort Pierce, Port St Lucie | $1k | 31 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 St. Lucie | Best standard CD | Who can open |
|---|---|---|---|
| TD Bank, National Association Bank | Fort Pierce, Port Saint Lucie | 4.29% 2 yr · $0.01 min | Anyone |
| iTHINK Financial Credit union | Fort Pierce, Port St Lucie | 4.25% 3 mo · $1k min | 31 FL counties |
| JPMorgan Chase Bank, National Association Bank | Fort Pierce, Port Saint Lucie, Port St. Lucie | 4.00% 7 mo · $100k min | Anyone |
| MIDFLORIDA Credit union | Port Saint Lucie, Port St Lucie | 3.00% 5 yr · $1k min | Regional |
| Wells Fargo Bank, National Association Bank | Fort Pierce, Port Saint Lucie | 1.51% 1 yr · $2.5k min | Anyone |
| Gold Coast Credit union | Port Saint Lucie | 0.70% 5 yr · $1k min | Anyone (via a partner group) |
| Truist Bank Bank | Fort Pierce, Port Saint Lucie | promos only — see page | Anyone |
| Seacoast National Bank Bank | Fort Pierce, Port Saint Lucie, Port St. Lucie, Saint Lucie West | promos only — see page | Anyone |
| Guardians Credit union | Fort Pierce | promos only — see page | 4 FL counties |
Also with branches in St. Lucie County, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association (Fort Pierce, Port Saint Lucie) · Fifth Third Bank, National Association (Port St. Lucie) · PNC Bank, National Association (Fort Pierce, Port Saint Lucie) · SouthState Bank, National Association (Fort Pierce, Port Saint Lucie) · Pinnacle Bank (Fort Pierce, Port Saint Lucie) · Marine Bank & Trust Company (Fort Pierce).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| TD Bank, National Association 2 locations: Fort Pierce, Port Saint Lucie | 4.30% promo | 2 yr | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association 2 locations: Fort Pierce, Port Saint Lucie | 4.30% promo | 2 yr | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association 2 locations: Fort Pierce, Port Saint Lucie | 4.30% promo | 2 yr | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association 2 locations: Fort Pierce, Port Saint Lucie | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
| TD Bank, National Association 2 locations: Fort Pierce, Port Saint Lucie | 4.25% promo | 18 mo | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association 2 locations: Fort Pierce, Port Saint Lucie | 4.25% promo | 18 mo | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association 2 locations: Fort Pierce, Port Saint Lucie | 4.25% promo | 18 mo | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association 2 locations: Fort Pierce, Port Saint Lucie | 4.25% promo | 18 mo | $100k | TD Choice CD Promotional ($100,000+) |
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