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You are viewing rates from banks across Largo
Below are the best three-month CD Rates from banks in Largo, Florida . Three-month CD rates are generally the shortest term offered by banks and come with the lowest interest rates. You may want to consider opening a 3-month CD if they the rates are comparable to a savings and money market account, you don’t need the money for the time period, and you feel that savings rates will drop.
Largo, FL - October 30, 2025
CD National Average : 2.24% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.25% |
$1,000 |
15.61 |
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Rate History: 4.35% → 5.05% → 4.95% → 4.80% → 4.25% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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4.25% |
$25,000 |
- |
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3 Month CD. |
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79Thru | Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More |
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4.00% |
$500 |
12.31 |
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Rate History: 4.50% → 4.00% → 4.00% |
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SadSack | Dec 2, 2022 No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More |
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4.00% |
$1,000 |
13.26 |
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Rate History: 5.00% → 4.50% → 4.25% → 4.00% |
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MLB | Aug 29, 2019 Since Hancock Bank merged with Whitney Bank, it’s no longer the local bank it once was. Fees, gotcha gimmicks, underhanded surprises... It’s nothing more than another big, ugly, corporate bank looking ... Read More |
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3.90% |
$1,000 |
8.91 |
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Rate History: 1.00% → 3.90% |
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Jackie | Jun 2, 2015 This bank is run by masters of deception with all of their silly products aimed to cheating people out of their hard earned money. I bet that every one in the management suite has a rap sheet. I wouldn't... Read More |
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3.75% |
$1,000 |
16.30 |
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Rate History: 4.10% → 4.00% → 4.10% → 4.00% → 3.75% |
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Jason Wach | Aug 22, 2019 Despite a perfect payment record of their Line of Credit during Four Years, Seacoast Bank arbitrarily sent a demand letter threatening legal action if I do not pay $ 39,000 immediately. The only option off... Read More |
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3.70% |
$250 |
17.16 |
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Rate History: 4.00% → 3.70% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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3.50% |
$1,000 |
15.20 |
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Rate History: 3.85% → 3.75% → 4.00% → 3.75% → 3.50% |
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Customer | Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More |
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2.27% |
$50,000 |
11.55 |
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Geoffrey Christopher 1 | Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More |
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1.01% |
$10,000 |
13.81 |
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Rate History: 4.00% → 3.50% → 2.25% → 1.25% → 1.01% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.00% |
$25,000 |
14.93 |
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Rate History: 2.50% → 2.00% → 2.01% → 1.51% → 1.00% |
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Thy King | Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More |
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0.20% |
$1,000 |
- |
Learn More
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.03% |
$25,000 |
9.26 |
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GAM | May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
3 Month Certificates of Deposit offered by local banks are often the shortest term offered. Three month certificates of deposit rates underperform the returns on savings and money market accounts and have for some time. As a result, savers may find savings and money market accounts to offer a higher yield and more flexibility than a three year CD.
Any certificate of deposit will bear substantial penalties for early withdrawal, if it is even allowed. As a result of the penalty, depositors who might need to withdraw from short term CDs early will ordinary lose some of their principal. Under no circumstances should depositors open a 3 month CD if they think that there is any chance that they will need to access the money in less than 3 months.
While online banks often offer better rates on short term CDs, local banks are provide the convenience of walking into a branch to open a CD, deposit funds, or withdraw the CD when it matures. In addition, a CD is often an entree into a broader relationship with a financial institution which may become important if the depositor wishes to borrow money.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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