Florida CD rates › Banks › Florida Capital Bank, National Association
Bank · HQ Jacksonville, FL
✓ Verified 2026-10-01 from their own posted rate sheet
Florida Capital Bank, National Association currently posts 9 CD rates from 0.35% to 3.35% APY. Their sheet states an effective date of below are effective as of March 1, 2026.
| Term | APY | Minimum | Details |
|---|---|---|---|
| 9 mo | 0.35% | $2k | Minimum opening balance Personal: $2,000 | Business: $10,000 |
| 1 yr | 0.35% | $2k | Minimum opening balance Personal: $2,000 | Business: $10,000 |
| 18 mo | 0.35% | $2k | Minimum opening balance Personal: $2,000 | Business: $10,000 |
| 2 yr | 0.35% | $2k | Minimum opening balance Personal: $2,000 | Business: $10,000 |
| 3 yr | 0.45% | $2k | Minimum opening balance Personal: $2,000 | Business: $10,000 |
| 4 yr | 0.55% | $2k | Minimum opening balance Personal: $2,000 | Business: $10,000 |
| 5 yr | 0.45% | $2k | Printed interest rate 0.65% with APY 0.45% (as printed) |
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 1 yr | 3.35% promo | $50k (cap $1M) | Promotional CD/IRA (Personal & Business) — Requires $50,000 opening balance; new money only |
| 9 mo | 3.30% promo | $50k (cap $1M) | Promotional CD/IRA (Personal & Business) — Requires $50,000 opening balance; new money only for new or existing clients |
5 branches in 4 counties: Alachua (Gainesville) · Duval (Jacksonville) · Hillsborough (Tampa) · Orange (Orlando)
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