Best Special Rates and Terms in Tampa, Florida, FL

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Below are special Certificate of Deposit special rates and terms from banks in Tampa, Florida. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.

Tampa, FL - November 12, 2026

What is the best special CD rate in Tampa, FL?

As of November 12, 2026, the highest special CD rate from a bank in Tampa, FL is 4.55% APY from Finworth, a division of InsBank (minimum deposit $50,000). The best rate with a $1,000 minimum or less is 4.40% APY from TrustCo Bank (minimum deposit $500). The table below ranks every special CD listed for this area. Rates change frequently, so check back for the latest numbers.

Bank	APY	MIN	PERIOD
Finworth, a division of InsBank Gulfport Boulevard Branch	4.55%	$50,000	22 months	Learn More Reviews (1)
Rate History: 3.50% → 3.20% → 4.35% → 4.45% → 4.55%
TrustCo Bank Sun City Center Branch	4.40%	$500	6 months	Learn More Reviews (1)
Rate History: 3.50% → 3.45% → 3.40% → 4.15% → 4.40%
Bank OZK Gulfport Boulevard Branch	4.20%	$1,000	7 months	Learn More Reviews (11)
Rate History: 5.00% → 4.20%
Hancock Whitney Bank Signature Bank Branch	4.00%	$1,000	3 months	Learn More Reviews (1)
Rate History: 5.00% → 4.50% → 4.25% → 4.00%
EverBank, National Association Clearwater Branch	4.00%	$1,000	7 months	Learn More Reviews (1)
Rate History: 4.00% → 3.90% → 3.80% → 3.70% → 4.00%
Regions Bank Sun City Center Branch	4.00% 3.75% 3.75%	$501 $500	9 months	Learn More Reviews
Rate History: 4.35% → 4.00% → 3.70% → 3.50% → 4.00%
TrustCo Bank Sun City Center Branch	4.00%	$500	12 months	Learn More Reviews (1)
Rate History: 3.60% → 3.65% → 1.25% → 3.50% → 4.00%
Bank of America, National Association Sun City Center Branch	3.80% 3.51% 3.51%	$100,000 $10,000	7 months	Learn More Reviews (7)
Rate History: 3.75% → 3.51% → 3.25% → 3.80% → 3.80%
Bank OZK Gulfport Boulevard Branch	3.80%	$1,000	13 months	Learn More Reviews (11)
Rate History: 5.50% → 3.80%
Fifth Third Bank, National Association Ruskin Branch	3.75%	$5,000	3 months	Learn More Reviews (5)
Rate History: 3.80% → 4.00% → 3.40% → 3.80% → 3.75%
Wells Fargo Bank, National Association Sun City Center Branch	3.74%	$2,500	7 months	Learn More Reviews (7)
Rate History: 3.64% → 3.75% → 3.50% → 3.24% → 3.74%
BankUnited, National Association St. Petersburg/ Central Avenue Branch	3.65%	$1,000	6 months	Learn More Reviews
Rate History: 4.50% → 4.35% → 4.25% → 4.00% → 3.65%
Third Federal Savings and Loan Association of Cleveland St. Petersburg Branch	3.65%	$500	11 months	Learn More Reviews
Wells Fargo Bank, National Association Sun City Center Branch	3.64%	$2,500	15 months	Learn More Reviews (7)
Rate History: 3.74% → 3.64%
Wells Fargo Bank, National Association Sun City Center Branch	3.59%	$2,500	11 months	Learn More Reviews (7)
Rate History: 3.75% → 3.50% → 3.25% → 2.99% → 3.59%
Valley National Bank 4th Street Branch	3.55%	$500	3 months	Learn More Reviews (2)
Rate History: 4.50% → 4.00% → 4.00% → 3.55%
Seacoast National Bank Gulfshore Bank Branch	3.50%	$1,000	7 months	Learn More Reviews (1)
Rate History: 3.90% → 3.50% → 3.25% → 3.00% → 3.50%
Fifth Third Bank, National Association Ruskin Branch	3.50%	$5,000	7 months	Learn More Reviews (5)
Rate History: 4.50% → 4.20% → 3.50% → 3.20% → 3.50%
PNC Bank, National Association Sun City Branch	3.50%	$1,000	13 months	Learn More Reviews (1)
Hancock Whitney Bank Signature Bank Branch	3.49%	$1,000	5 months	Learn More Reviews (1)
Rate History: 5.00% → 4.50% → 4.15% → 3.75% → 3.49%
Seacoast National Bank Gulfshore Bank Branch	3.25%	$1,000	3 months	Learn More Reviews (1)
Rate History: 4.10% → 4.00% → 3.75% → 3.50% → 3.25%
TD Bank, National Association Tierra Verde Branch	3.25%	$10,000	12 months	Learn More Reviews (1)
Rate History: 4.00% → 3.75% → 3.51% → 3.00% → 3.25%
Regions Bank Sun City Center Branch	3.25%	$501	13 months	Learn More Reviews
Rate History: 3.50% → 3.25%
CIT Bank, a division of First-Citizens Bank and Trust	3.25%	$1,000	13 months	Learn More Reviews (33)
Rate History: 3.50% → 3.35% → 3.25%
Regions Bank Sun City Center Branch	3.00%	$500	13 months	Learn More Reviews
Rate History: 3.50% → 4.25% → 3.50% → 4.00% → 3.00%
Bank of America, National Association Sun City Center Branch	2.95%	$10,000	10 months	Learn More Reviews (7)
Rate History: 3.70% → 3.45% → 3.20% → 2.95% → 2.95%
Regions Bank Sun City Center Branch	2.75%	$500	19 months	Learn More Reviews
Rate History: 3.75% → 2.75%
Fifth Third Bank, National Association Ruskin Branch	2.75%	$5,000	24 months	Learn More Reviews (5)
Rate History: 2.00% → 3.00% → 2.00% → 2.50% → 2.75%
BMO Bank National Association South Shore Branch	2.75%	$1,000	59 months	Learn More Reviews (9)
Rate History: 2.85% → 2.50% → 2.25% → 2.00% → 2.75%
BMO Bank National Association South Shore Branch	2.65%	$1,000	45 months	Learn More Reviews (9)
Rate History: 2.75% → 2.35% → 2.10% → 2.00% → 2.65%
BMO Bank National Association South Shore Branch	2.60%	$1,000	35 months	Learn More Reviews (9)
Rate History: 3.00% → 2.75% → 2.25% → 2.00% → 2.60%
PNC Bank, National Association Sun City Branch	2.60%	$1,000	61 months	Learn More Reviews (1)
BMO Bank National Association South Shore Branch	2.55%	$1,000	25 months	Learn More Reviews (9)
Rate History: 3.00% → 2.75% → 2.25% → 2.00% → 2.55%
BMO Bank National Association South Shore Branch	2.50%	$1,000	13 months	Learn More Reviews (9)
Rate History: 3.25% → 3.00% → 2.75% → 2.60% → 2.50%
PNC Bank, National Association Sun City Branch	2.40%	$1,000	37 months	Learn More Reviews (1)
JPMorgan Chase Bank, National Association Sun City Center Branch	2.25%	$100,000	6 months	Learn More Reviews (18)
Rate History: 1.50% → 1.01% → 0.75% → 0.50% → 2.25%
PNC Bank, National Association Sun City Branch	2.20%	$1,000	25 months	Learn More Reviews (1)
PNC Bank, National Association Sun City Branch	2.10%	$1,000	19 months	Learn More Reviews (1)
TD Bank, National Association Tierra Verde Branch	2.00%	$10,001	6 months	Learn More Reviews (1)
Rate History: 2.75% → 3.51% → 3.45% → 3.51% → 2.00%
Bank of America, National Association Sun City Center Branch	2.00%	$10,000	13 months	Learn More Reviews (7)
Rate History: 2.75% → 2.50% → 2.25% → 2.00% → 2.00%
PNC Bank, National Association Sun City Branch	1.90%	$1,000	9 months	Learn More Reviews (1)
Rate History: 0.05% → 1.90%
Bank of America, National Association Sun City Center Branch	1.75%	$10,000	25 months	Learn More Reviews (7)
The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. Rate History: 3.20% → 3.00% → 2.00% → 1.75% → 1.75%
TrustCo Bank Sun City Center Branch	1.25%	$500	18 months	Learn More Reviews (1)
Rate History: 0.40% → 0.20% → 0.40% → 3.50% → 1.25%

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around Tampa, FL - November 12, 2026

Branch	Street	City	State
Finworth, a division of InsBank Gulfport Boulevard Branch	6750 Gulfport Boulevard South	South Pasadena	FL
TrustCo Bank Sun City Center Branch	4441 Sun City Center Blvd	Sun City Center	FL
Bank OZK Gulfport Boulevard Branch	6750 Gulfport Boulevard South	South Pasadena	FL
Hancock Whitney Bank Signature Bank Branch	100 2nd Ave N	Saint Petersburg	FL
EverBank, National Association Clearwater Branch	6417 U.S. Highway 19 North	Clearwater	FL
Regions Bank Sun City Center Branch	4892 Sun City Center Boulevard	Sun City Center	FL
TrustCo Bank Sun City Center Branch	4441 Sun City Center Blvd	Sun City Center	FL
Bank of America, National Association Sun City Center Branch	902 Pebble Beach Boulevard North	Sun City Center	FL
Bank OZK Gulfport Boulevard Branch	6750 Gulfport Boulevard South	South Pasadena	FL
Fifth Third Bank, National Association Ruskin Branch	1020 U.S. Highway 41	North Ruskin	FL
Regions Bank Sun City Center Branch	4892 Sun City Center Boulevard	Sun City Center	FL
Wells Fargo Bank, National Association Sun City Center Branch	808 North Pebble Beach Boulevard	Sun City Center	FL
BankUnited, National Association St. Petersburg/ Central Avenue Branch	6201 Central Avenue	Saint Petersburg	FL
Third Federal Savings and Loan Association of Cleveland St. Petersburg Branch	262 37th Avenue North	Saint Petersburg	FL
Wells Fargo Bank, National Association Sun City Center Branch	808 North Pebble Beach Boulevard	Sun City Center	FL
Wells Fargo Bank, National Association Sun City Center Branch	808 North Pebble Beach Boulevard	Sun City Center	FL
Valley National Bank 4th Street Branch	1840 4th Street North	Saint Petersburg	FL
Bank of America, National Association Sun City Center Branch	902 Pebble Beach Boulevard North	Sun City Center	FL
Seacoast National Bank Gulfshore Bank Branch	3201 South Macdill Avenue	Tampa	FL
Fifth Third Bank, National Association Ruskin Branch	1020 U.S. Highway 41	North Ruskin	FL
PNC Bank, National Association Sun City Branch	112 S. Pebble Beach Blvd.	Sun City Center	FL
Hancock Whitney Bank Signature Bank Branch	100 2nd Ave N	Saint Petersburg	FL
Seacoast National Bank Gulfshore Bank Branch	3201 South Macdill Avenue	Tampa	FL
TD Bank, National Association Tierra Verde Branch	1275 Pinellas Bayway	Tierra Verde	FL
Regions Bank Sun City Center Branch	4892 Sun City Center Boulevard	Sun City Center	FL
Regions Bank Sun City Center Branch	4892 Sun City Center Boulevard	Sun City Center	FL
Bank of America, National Association Sun City Center Branch	902 Pebble Beach Boulevard North	Sun City Center	FL
Regions Bank Sun City Center Branch	4892 Sun City Center Boulevard	Sun City Center	FL
Fifth Third Bank, National Association Ruskin Branch	1020 U.S. Highway 41	North Ruskin	FL
BMO Bank National Association South Shore Branch	5461 North Us Highway 41	Apollo Beach	FL
BMO Bank National Association South Shore Branch	5461 North Us Highway 41	Apollo Beach	FL
BMO Bank National Association South Shore Branch	5461 North Us Highway 41	Apollo Beach	FL
PNC Bank, National Association Sun City Branch	112 S. Pebble Beach Blvd.	Sun City Center	FL
BMO Bank National Association South Shore Branch	5461 North Us Highway 41	Apollo Beach	FL
BMO Bank National Association South Shore Branch	5461 North Us Highway 41	Apollo Beach	FL
PNC Bank, National Association Sun City Branch	112 S. Pebble Beach Blvd.	Sun City Center	FL
JPMorgan Chase Bank, National Association Sun City Center Branch	702 N Pebble Beach Blvd	Sun City Center	FL
PNC Bank, National Association Sun City Branch	112 S. Pebble Beach Blvd.	Sun City Center	FL
PNC Bank, National Association Sun City Branch	112 S. Pebble Beach Blvd.	Sun City Center	FL
TD Bank, National Association Tierra Verde Branch	1275 Pinellas Bayway	Tierra Verde	FL
Bank of America, National Association Sun City Center Branch	902 Pebble Beach Boulevard North	Sun City Center	FL
PNC Bank, National Association Sun City Branch	112 S. Pebble Beach Blvd.	Sun City Center	FL
Bank of America, National Association Sun City Center Branch	902 Pebble Beach Boulevard North	Sun City Center	FL
TrustCo Bank Sun City Center Branch	4441 Sun City Center Blvd	Sun City Center	FL