# Florence Bank CD rates

As of October 22, 2026, Florence Bank's highest tracked CD rate is 3.55% APY on a 14-month CD ($500 minimum). That is 2.0 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.15% to 3.55% APY.

Canonical page: https://apyledger.com/cd-rates/florence-bank
Institution: Florence Bank (FDIC 23293)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:14.000Z (October 22, 2026)
Official source: https://www.florencebank.com/personal/deposit-accounts/certificate-of-deposit
Coverage: Published personal CD rates from 3 to 60 months, including 7- and 17-month Easy-Out CDs that require $5,000 to open. Most CDs require a $500 minimum opening deposit. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month CD | standard | 3 months | $500 | 1.00% | Not ZIP-priced | −3.29% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 5 Month CD | standard | 5 months | $500 | 3.30% | Not ZIP-priced | −1.09% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 6 Month CD | standard | 6 months | $500 | 1.50% | Not ZIP-priced | −2.90% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 7 Month Easy-Out CD | standard | 7 months | $5,000 | 3.00% | Not ZIP-priced | −1.43% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 9 Month CD | standard | 9 months | $500 | 3.40% | Not ZIP-priced | −1.08% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 12 Month CD | standard | 12 months | $500 | 1.50% | Not ZIP-priced | −3.07% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 14 Month CD | standard | 14 months | $500 | 3.55% | Not ZIP-priced | −1.07% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 16 Month CD | standard | 16 months | $500 | 3.10% | Not ZIP-priced | −1.57% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 17 Month Easy-Out CD | standard | 17 months | $5,000 | 0.15% | Not ZIP-priced | −4.54% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 18 Month CD | standard | 18 months | $500 | 0.20% | Not ZIP-priced | −4.52% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 24 Month CD | standard | 24 months | $500 | 2.15% | Not ZIP-priced | −2.72% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 30 Month CD | standard | 30 months | $500 | 0.35% | Not ZIP-priced | −4.56% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 36 Month CD | standard | 36 months | $500 | 3.00% | Not ZIP-priced | −1.95% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 48 Month CD | standard | 48 months | $500 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |
| 60 Month CD | standard | 60 months | $500 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-22T16:22:14.000Z | [Snapshot 349](https://apyledger.com/snapshots/349) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.