Certificates of Deposit - BayFirst Financial

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BayFirst CD

Save with certainty on your terms. Pick the term that works best for you!

5.25% APY*
2-Year Relationship Variable Rate CD

Penalty-free withdrawals and unlimited deposits anytime!*

Must have a BayFirst checking account with direct deposit to open.

Open Online Today

Additional Highlights

Only $1,000 to open
Interest compounded daily and paid quarterly or at maturity
IRA options are available
Track growth with Online Banking
Available to businesses

Do you have a solid savings plan for what’s next?

Your money. Your savings. Your timeframe. Whatever you’re saving for or however far off in the future, our CD options have you covered.

Find A Banking Center By You Account Disclosures

What's Next?

Gather Your Information

You’ll need your social security number, proof of address, and a valid, government-issued ID.
Fill Out The Application

We’ll just need a little paperwork.
Provide the Minimum Deposit

We only require $1,000 to get started.
Start Saving

Enjoy mobile banking app and online banking.

Why BayFirst?

At BayFirst, we’re Here for What’s Next® -- including your next Certificate of Deposit account. When you open your CD, you’ll start saving with no risk and enjoy all the benefits of banking with us, including an easy application process, safe and secure banking, and an expert team that has your back. For over 20 years, BayFirst has been the bank of choice for Tampa Bay and its community members. We’d love to be a part of your big plans, too.

_{BayFirst National Bank is a member of the Federal Deposit Insurance Corporation (FDIC). As a BayFirst customer, your BayFirst deposits are insured by the FDIC up to $250,000 per depositor, for each account ownership category.

*The Annual Percentage Yield (APY) of 5.25% is effective and accurate as of 10/02/2023. Rates subject to change quarterly after the account is opened and are based on the Prime Rate (Wall Street Journal as of 10/02/23 is 8.5%) minus 3.25%. Minimum balance to open account is $1,000. You have the ability to withdraw any amount of your funds once every quarter without penalty. Fees could reduce earnings. Must have an active BayFirst checking account with direct deposit and a minimum of 5 debit card transactions monthly to open.}

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BayFirst CD

Save with certainty on your terms. Pick the term that works best for you!

5.25% APY* 2-Year Relationship Variable Rate CD

Penalty-free withdrawals and unlimited deposits anytime!*

Additional Highlights

Do you have a solid savings plan for what’s next?

What's Next?

Gather Your Information

Fill Out The Application

Provide the Minimum Deposit

Start Saving

Why BayFirst?

5.25% APY*
2-Year Relationship Variable Rate CD