Climate First Bank CD Rates — October 2026
As of October 22, 2026, Climate First Bank's highest tracked CD rate is 4.46% APY on a 12-month promotional CD ($500 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
Climate First Bank CD rates
| Term | Product | APY |
|---|---|---|
| 3 months | 3-Month Penalty-Free CD Promotional | 4.26%Verified October 22, 2026 |
| 6 months | 6-Month Penalty-Free CD Promotional | 4.33%Verified October 22, 2026 |
| 9 months | 9-Month Penalty-Free CD Promotional | 4.35%Verified October 22, 2026 |
| 12 months | 12-Month Penalty-Free CD Promotional | 4.46%Verified October 22, 2026 |
| 15 months | 15-Month Flex CD | 2.68%Verified October 22, 2026 |
| 30 months | 30-Month CD Promotional | 4.25%Verified October 22, 2026 |
| 60 months | 60-Month CD Promotional | 4.39%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.46% APY (12 months). The standard rate for a similar term is 2.68% APY (15 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $178 less per year. Check the account terms and set a reminder before maturity.
What are Climate First Bank's best CD rates by term?
Climate First Bank's best rate is 4.46% APY on 12 months, verified October 22, 2026.
- 3 mo4.26%
- 6 mo4.33%
- 9 mo4.35%
- 12 mo4.46%
- 15 mo2.68%
- 30 mo4.25%
- 60 mo4.39%
How much interest could a Climate First Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $52.284.26% APY · 3-Month Penalty-Free CD · Promotional | $104.554.26% APY · 3-Month Penalty-Free CD · Promotional | $261.384.26% APY · 3-Month Penalty-Free CD · Promotional | $522.764.26% APY · 3-Month Penalty-Free CD · Promotional |
| 6 months | $107.404.33% APY · 6-Month Penalty-Free CD · Promotional | $214.804.33% APY · 6-Month Penalty-Free CD · Promotional | $537.004.33% APY · 6-Month Penalty-Free CD · Promotional | $1,073.994.33% APY · 6-Month Penalty-Free CD · Promotional |
| 9 months | $162.404.35% APY · 9-Month Penalty-Free CD · Promotional | $324.814.35% APY · 9-Month Penalty-Free CD · Promotional | $812.024.35% APY · 9-Month Penalty-Free CD · Promotional | $1,624.044.35% APY · 9-Month Penalty-Free CD · Promotional |
| 12 months | $223.004.46% APY · 12-Month Penalty-Free CD · Promotional | $446.004.46% APY · 12-Month Penalty-Free CD · Promotional | $1,115.004.46% APY · 12-Month Penalty-Free CD · Promotional | $2,230.004.46% APY · 12-Month Penalty-Free CD · Promotional |
| 60 months | $1,198.184.39% APY · 60-Month CD · Promotional | $2,396.374.39% APY · 60-Month CD · Promotional | $5,990.924.39% APY · 60-Month CD · Promotional | $11,981.844.39% APY · 60-Month CD · Promotional |
How Climate First Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 7 of 95 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Climate First Bank (this institution)12-Month Penalty-Free CD · Promotional | 12 months | $500 | Coverage: FL | 4.46% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays12 Month CD · Standard | 12 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Climate First Bank on October 22, 2026.
About Climate First Bank
- Legal name
- Climate First Bank
- Regulator ID
- FDIC 59257
- Headquarters
- Saint Petersburg, FL
- Available in
- FL
- Total assets
- $1.9 billion
- Also known as
- Climate First
- Website
- www.climatefirstbank.com
Source: rates read from https://www.climatefirstbank.com/cd. See the page text we read.
Frequently asked questions
What is the highest CD rate at Climate First Bank?
Among the rates we track, 4.46% APY on a 12-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Climate First Bank CD?
The lowest minimum we found is $500.
How does Climate First Bank's best CD rate compare with Treasury yields?
4.46% APY is −0.11% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.46% a good CD rate?
It is 2.5 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Climate First Bank CDs insured?
Climate First Bank is an FDIC-insured bank (FDIC 59257). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Climate First Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Climate First Bank's website and may change at any time. Confirm terms, minimums and eligibility with Climate First Bank before opening an account. This page is not financial advice.