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You are viewing rates from banks across Panama City Beach
Below are the best six-month CD Rates from banks with branches in Panama City Beach, Florida . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.
Panama City Beach, FL - July 8, 2025
6 Month CD National Average : 0.41% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.50% |
$2,500 |
21.50 |
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Rate History: 0.01% → 4.50% |
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4.25% |
$500 |
21.50 |
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2.00% |
$25,000 |
9.68 |
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Rate History: 2.50% → 2.51% → 2.01% → 2.00% |
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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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0.35% |
$10,000 |
7.76 |
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0.20% |
$10,000 |
14.52 |
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BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.20% |
$10,000 |
0.44 |
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COLETTE B | May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More |
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0.20% |
$10,000 |
6.79 |
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Chadpatt | Jun 14, 2021 I have banked with Midsouth for 4 years. I deposited a check that was for $6,000. I explained at the time of the deposit that I needed the mo ur available for my sons surgery that was in a few days. They t... Read More |
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0.20% |
$10,000 |
21.50 |
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trbf15 | Nov 4, 2020 Transfer cds to checking. Trustmark Madison ok, Not, 6 figures deposit lost for 6 days they say due to scanner error. Then when we go to branch office mgr. all huffy tht error upset because of their mist... Read More |
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0.16% |
$10,000 |
0.07 |
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0.10% |
$10,000 |
0.96 |
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0.10% |
$10,000 |
17.74 |
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Asj | Nov 15, 2020 Do they? Read More |
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| Branch | Street | City | State |
|---|---|---|---|
|
Regions Bank Seagrove Beach Branch |
2587 South County Highway 395 | Santa Rosa Beach | FL |
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Regions Bank Seagrove Beach Branch |
2587 South County Highway 395 | Santa Rosa Beach | FL |
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Wells Fargo Bank, National Association Carillon Beach Branch |
23046 Panama City Beach Parkway | Panama City Beach | FL |
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PeoplesSouth Bank Panama City Branch |
400 West 23rd Street | Panama City | FL |
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Armed Forces Bank, National Association Tyndall Branch |
Bldg 950 220 Mall Lane | Tyndall Afb | FL |
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Ameris Bank Panama City Beach Branch |
11790 Panama City Beach Parkway | Panama City Beach | FL |
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MidSouth Bank Panama City Branch |
1418 West 23rd Street | Panama City | FL |
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Trustmark National Bank Banktrust Florida Branch |
Mack Bayou Road And U.S. Highway 98 | Santa Rosa Beach | FL |
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Community Bank of Mississippi Panama City Beach Branch |
100 Richard Jackson Boulevard, Suite 100 | Panama City Beach | FL |
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Southeast First National Bank Hutchison Boulevard Branch |
12720 Hutchison Boulevard | Panama City | FL |
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Centennial Bank Seagrove Branch |
3921 East County Highway 30-A | Santa Rosa Beach | FL |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.
In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.
When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.
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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