Bring Your Personal or Business Banking to BayFirst and Earn 4.25% APY1 on a CD

Ready to make a move? Bring new money to BayFirst and earn 4.25% APY on a 13-month CD. Lock in a competitive rate and watch your personal or business savings grow.

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Account Info

  • FDIC insured up to $250,000
  • Easily fund your account from any non-BayFirst account
  • Interest compounded daily, paid monthly
  • Available for business and personal clients

Key Terms & Conditions

  • New money only
  • $25,000 to open
  • 13-month term
  • Active BayFirst Checking Account Required2
  • Must be opened at a BayFirst banking center

Connected Banking

  • 24/7 online account access
  • Track account growth with our Mobile Banking App

One Great Rate. For Personal or Business.

The same competitive CD rate is available to both personal and business customers.

Personal CD
Earn Up to 4.25% APY1

Put Your Personal Savings to Work

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Business CD
Earn up to 4.25% APY1

Make Your Business Funds Work Harder

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Why BayFirst?

At BayFirst, we’re Here for What’s Next®, and that includes your next CD. We've served the Tampa Bay area for more 20 years, providing one of the best free checking accounts available, with no hidden fees. We promise an easy account opening process, safe and secure banking, and an expert team located right in your own backyard.

13-Month CD Special Offer FAQs

Make a deposit for a fixed, 13-month term and earn 4.25% APY1. At the end of the term, you can withdraw your initial deposit plus the interest earned, or you can roll it all over into a new CD or another BayFirst deposit account.

Yes, you can open this CD at any of our BayFirst banking centers.

To open this CD, current BayFirst customers must fund it with money transferred directly from an external (non-BayFirst) account. Money from a current BayFirst account cannot be used to open this CD, and funds that were recently withdrawn from a BayFirst account and redeposited externally do not qualify.

You can open your CD with $25,000, which must be deposited from an external account.

Yes, your CD is insured by The Federal Deposit Insurance Corporation (FDIC) up to $250,000, making it a secure investment option.

Once your CD is opened, you cannot add funds until your CD reaches maturity. If you withdraw funds before your CD reaches its maturity, a penalty will apply. Be sure to review your CD’s terms or speak with a banker for specific details.

When your CD matures, you have the option to withdraw your funds (initial deposit plus interest earned) or roll them over into a new CD or another BayFirst deposit account. BayFirst will notify you before your CD matures to discuss your options.

Looking for a different term or rate?

Explore our other CD options and find an account that fits your savings goals.

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More Questions?


1The Annual Percentage Yield (APY) of 4.25% may change after maturity and is effective and accurate as of 10/13/2026. Minimum balance to open account is $25,000. Fees could reduce earnings. Penalty may be imposed for early withdrawal. New money only. Offer subject to change without notice.

2Customer must maintain an active checking account with BayFirst National Bank at the time of CD account opening and throughout the promotional rate period. A checking account is considered active if it meets at least one of the following criteria during the monthly statement cycle: Receives a recurring monthly direct deposit (e.g., payroll, Social Security, pension, or similar electronic credit); or Has a minimum of 10 posted debit transactions per month (including debit card purchases, ACH debits, checks paid, or other electronic/point-of-sale debits).

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.