Florida CD rates › By county › Wakulla County
✓ 3 institutions with branches here · 111 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Wakulla 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 | 1.25% | MIDFLORIDA 1 location: Crawfordville | $1k | Regional |
| 6 mo | 1.50% | MIDFLORIDA 1 location: Crawfordville | $1k | Regional |
| 1 yr | 2.00% | Gulf Winds 1 location: Crawfordville | $500 | 36 FL counties |
| 18 mo | 3.40% | Gulf Winds 1 location: Crawfordville | $500 | 36 FL counties |
| 2 yr | 3.50% | Gulf Winds 1 location: Crawfordville | $500 | 36 FL counties |
| 3 yr | 3.60% | Gulf Winds 1 location: Crawfordville | $500 | 36 FL counties |
| 4 yr | 3.65% | Gulf Winds 1 location: Crawfordville | $500 | 36 FL counties |
| 5 yr | 3.70% | Gulf Winds 1 location: Crawfordville | $500 | 36 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 Wakulla | Best standard CD | Who can open |
|---|---|---|---|
| Gulf Winds Credit union | Crawfordville | 3.70% 5 yr · $500 min | 36 FL counties |
| MIDFLORIDA Credit union | Crawfordville | 3.00% 5 yr · $1k min | Regional |
| Champions First Credit union | Crawfordville | promos only — see page | 18 FL counties |
Also with branches in Wakulla County, but not posting CD rates on their websites (ask in the branch): Centennial Bank (Crawfordville) · Capital City Bank (Crawfordville) · Ameris Bank (Crawfordville) · Prime Meridian Bank (Crawfordville) · Campus USA (Crawfordville).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Gulf Winds 1 location: Crawfordville | 4.17% promo | 13 mo | $500 | CD Special — Monthly compounding · 36 FL counties |
| Gulf Winds 1 location: Crawfordville | 4.17% promo | 13 mo | $500 | IRA Certificate Special — 36 FL counties |
| Gulf Winds 1 location: Crawfordville | 4.05% promo | 5 mo | $500 | CD Special — Monthly compounding · 36 FL counties |
| Gulf Winds 1 location: Crawfordville | 4.05% promo | 5 mo | $500 | IRA Certificate Special — 36 FL counties |
| MIDFLORIDA 1 location: Crawfordville | 4.00% promo | 3 yr | $1k (cap $5M) | CD Special — Max $5M · Regional |
| MIDFLORIDA 1 location: Crawfordville | 4.00% promo | 5 yr | $1k (cap $5M) | CD Special — Max $5M · Regional |
| Champions First 1 location: Crawfordville | 4.00% promo | 9 mo | $1k | Promotional Certificate of Deposit — Minimum balance to open a promotional CD is $1,000; limited time offer; early withdrawal penalty applies · 18 FL counties |
| Champions First 1 location: Crawfordville | 3.85% promo | 17 mo | $1k | Promotional Certificate of Deposit — Minimum balance to open a promotional CD is $1,000; limited time offer; early withdrawal penalty applies · 18 FL counties |
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