Florida CD rates › By county › Walton County
✓ 11 institutions with branches here · 114 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Walton 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 | 3.71% | All In 2 locations: Defuniak Springs, Santa Rosa Beach | $100k | 3 FL counties |
| 6 mo | 4.12% | All In 2 locations: Defuniak Springs, Santa Rosa Beach | $100k | 3 FL counties |
| 9 mo | 3.71% | All In 2 locations: Defuniak Springs, Santa Rosa Beach | $100k | 3 FL counties |
| 1 yr | 4.23% | All In 2 locations: Defuniak Springs, Santa Rosa Beach | $100k | 3 FL counties |
| 18 mo | 4.28% | All In 2 locations: Defuniak Springs, Santa Rosa Beach | $100k | 3 FL counties |
| 2 yr | 3.87% | All In 2 locations: Defuniak Springs, Santa Rosa Beach | $100k | 3 FL counties |
| 3 yr | 3.87% | All In 2 locations: Defuniak Springs, Santa Rosa Beach | $100k | 3 FL counties |
| 4 yr | 3.92% | All In 2 locations: Defuniak Springs, Santa Rosa Beach | $100k | 3 FL counties |
| 5 yr | 4.28% | All In 2 locations: Defuniak Springs, Santa Rosa Beach | $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
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 Walton | Best standard CD | Who can open |
|---|---|---|---|
| All In Credit union | Defuniak Springs, Santa Rosa Beach | 4.28% 18 mo · $100k min | 3 FL counties |
| United Community Bank Bank | Inlet Beach, Santa Rosa Beach | 3.80% 8 mo · $2.5k min | Anyone |
| Eglin Credit union | Freeport | 3.71% 5 yr · $2.5k min | 4 FL counties |
| The Huntington National Bank Bank | Miramar Beach | 3.66% 5 mo · $1k min | Anyone |
| Community South Credit union | Defuniak Springs | 3.55% 6 mo · $500 min | 9 FL counties |
| PNB Community Bank Bank | Defuniak Springs, Freeport | 2.50% 1 yr · $1k min | Anyone |
| Wells Fargo Bank, National Association Bank | Destin, Santa Rosa Beach | 1.51% 1 yr · $2.5k min | Anyone |
| BankPlus Bank | Miramar | 0.55% 5 yr · $1k min | Anyone |
| Truist Bank Bank | Defuniak Springs, Santa Rosa Beach | promos only — see page | Anyone |
| Hancock Whitney Bank Bank | Santa Rosa Beach | promos only — see page | Anyone |
| Renasant Bank Bank | Freeport, Miramar Beach, Santa Rosa Beach | promos only — see page | Anyone |
Also with branches in Walton County, but not posting CD rates on their websites (ask in the branch): Regions Bank (Defuniak Springs, Freeport) · Centennial Bank (Santa Rosa Beach) · Capital City Bank (Inlet Beach, Santa Rosa Beach) · Ameris Bank (Defuniak Springs) · Trustmark Bank (Defuniak Springs, Freeport) · FNBT BANK (De Funiak Springs, Destin) · Community Bank of Mississippi (Miramar Beach) · CCB Community Bank (Defuniak Springs) · United Fidelity Bank, fsb (Destin) · Gulf Coast Bank and Trust Company (Miramar) · First Security Bank (Santa Rosa Beach) · First National Bank of Decatur County (Miramar Beach) · Walton County Teachers (Defuniak Springs).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Wells Fargo Bank, National Association 2 locations: Destin, Santa Rosa Beach | 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 2 locations: Destin, Santa Rosa Beach | 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) |
| Hancock Whitney Bank 1 location: Santa Rosa Beach | 4.25% promo | 2 yr | $1k | Promotional CD (ZIP 33602) — $1,000 deposit required to open and earn the promotional APY |
| Hancock Whitney Bank 1 location: Santa Rosa Beach | 4.15% promo | 11 mo | $1k | Promotional CD (ZIP 33602) — $1,000 deposit required to open and earn the promotional APY |
| Wells Fargo Bank, National Association 2 locations: Destin, Santa Rosa Beach | 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 2 locations: Destin, Santa Rosa Beach | 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 2 locations: Destin, Santa Rosa Beach | 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 2 locations: Destin, Santa Rosa Beach | 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) |
The statewide promo board, with every catch spelled out, is on the homepage.
Defuniak Springs · Destin · Freeport · Miramar · Miramar Beach · Panama City Beach · Santa Rosa Beach
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