Flexible Terms, Guaranteed Returns.

Searching for a secure and predictable way to grow your savings? Our fixed-rate CDs come in a variety of term lengths and with competitive interest rates. Get all of the rewards without the risk.

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Traditional Fixed-Rate CDs

Choose your term. Returns guaranteed.

6-Month CD

3.64% APY1

$1,000 minimum to open
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12-Month CD

3.49% APY1

$1,000 minimum to open
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24-Month CD

2.25% APY1

$1,000 minimum to open
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36-Month CD

2.75% APY1

$1,000 minimum to open
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60-Month CD

3.01% APY1

$1,000 minimum to open
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The BayFirst Difference

Save on your terms.

With only $1,000 minimum to open and 6- to 60-month CD terms available, you can easily build your savings your way and save securely.  

Cash in on nationally competitive rates.

It pays to bank with us. Step up your returns and watch your balances grow with some of the nation’s best rates.

Guarantee your returns.

Lock in a fixed-rate CD to avoid the risk of changes in the market, or take advantage of today’s great rates with a variable-rate CD.

What’s Next? Open securely in minutes.

Choose Your Term

Select the CD term that best fits your needs.

Provide Your Info

Submit some basic information and open your CD online or in person in under 10 minutes.

Transfer Funds

Fund your CD by transferring funds from another bank safely.

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Certificates of Deposit FAQs

What is a certificate of deposit (CD)?

When you open a Certificate of Deposit (CD), you deposit a lump sum of money for a fixed term, ranging from a few months to several years. In return, the bank pays you an agreed-upon interest rate. At the end of the term (maturity), you can withdraw your initial deposit plus the interest earned, or you can roll it all over into a new CD.

What is the difference between a CD and a savings account?

A Certificate of Deposit (CD) typically offers a higher interest rate than a savings account in exchange for requiring your money to be deposited for a fixed term. Savings accounts offer more flexibility, allowing you to withdraw or deposit funds at any time, but usually at a lower interest rate.

Are CDs safe and insured?

Yes, CDs at BayFirst are insured by The Federal Deposit Insurance Corporation (FDIC) up to $250,000, making them a secure investment option.

Can I add money or withdraw my money early?

With a fixed-rate CD, you typically cannot add more money once it has been opened. However, you can open additional CDs if you have more funds to invest. Our variable-rate CD allows for unlimited deposits.

If you withdraw your funds before your agreed-upon fixed-rate CD term is up or you exceed the specified number of penalty-free withdrawals with our variable-rate CD, you could incur a penalty. Be sure to review all product details and/or talk to a banker about your options. 

1 Advertised Annual Percentage Yield (APY) may change after maturity and are accurate as of 2/3/2026. Minimum deposit of $1,000. A penalty may be charged for early withdrawal. Fees could reduce earnings.

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.