Florida CD rates › Banks › Stearns Bank National Association
Bank · HQ Saint Cloud, MN
✓ Verified 2026-10-01 from their own posted rate sheet
Stearns Bank National Association currently posts 8 CD rates from 3.66% to 3.94% APY. Their sheet states an effective date of 10/1/2026.
| Term | APY | Minimum | Details |
|---|---|---|---|
| 3 mo | 3.90% | $500 | Interest paid at maturity; IRA funds eligible; no early withdrawal penalty |
| 3 mo | 3.90% | $500 | Expected Annual % Yield; profit paid at maturity |
| 6 mo | 3.94% | $500 | Interest paid at maturity; IRA funds eligible; no early withdrawal penalty |
| 6 mo | 3.94% | $500 | Expected Annual % Yield; profit paid at maturity |
| 1 yr | 3.85% | $500 | IRA funds eligible; penalty may be imposed for early withdrawal; compounds annually |
| 1 yr | 3.85% | $500 | Expected Annual % Yield; compounds annually |
| 18 mo | 3.66% | $500 | IRA funds eligible; penalty may be imposed for early withdrawal; compounds annually |
| 18 mo | 3.66% | $500 | Expected Annual % Yield; compounds annually |
3 branches in 2 counties: Pinellas (Saint Petersburg) · Sarasota (Sarasota, Venice)
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