bank rates

North Florida Deal On 4- And 5-Year CDs

Citizens State Bank continues to bring a couple of top long-term returns to north Florida savers.

With a $1,000 minimum deposit, it’s paying:

  • 1.51% APY on 48-month CDs.
  • 2.35% APY on 60-month CDs.

That beats the best nationally available 5-year return from the banks on our CD Rates Leaderboard.

While we don’t track 4-year CDs on that chart, Citizens State’s yield slots in nicely between the top 3- and 5-year rates and is included on our rankings of the highest CD rates from credit unions and community banks.

Although savers across the country can still open one of Citizens State’s top-paying savings accounts online, you must go to one of its branches – in Gainesville, Madison, Perry and Steinhatchee – to buy a certificate of deposit.

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