Florida CD rates › Credit unions › Panhandle
Credit union · HQ Panama City, FL
✓ Verified 2026-10-01 from their own posted rate sheet
Panhandle currently posts 7 CD rates from 2.75% to 3.75% APY. Their sheet states an effective date of July1, 2026. Rates are effective as of August 1, 2026..
| Term | APY | Minimum | Details |
|---|---|---|---|
| 3 mo | 3.25% | — | |
| 6 mo | 3.50% | — | |
| 1 yr | 3.75% | — | |
| 2 yr | 3.40% | — | |
| 3 yr | 3.25% | — | |
| 4 yr | 3.00% | — | |
| 5 yr | 2.75% | — |
Anyone who lives, works, worships, or attends school in seven Florida Panhandle counties — plus family of members — can join Counties: Bay, Calhoun, Gulf, Holmes, Jackson, Walton, Washington. Family of existing members can generally join too.
7 branches in 1 county: Bay (Lynn Haven, Panama City, Panama City Beach)
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