Bay Cities Bank is Florida bank offering bank rates that are on up on top just like the Florida State football team.  Bay Cities Bank offers competitive rates on several deposit accounts in Florida including the bank CDs.  If a consumer were to quickly scan the top web pages for the best CD rates they would find the top bank CD rates on a five year CD are not even reaching a 4.00% APY.  Bay Cities Bank is paying a 4.00% interest rate on its three year CD and over 4.00% on its five year CD.  This qualifies the bank has having the best CD rates.

The bank offers a 3 month CD that earns an interest rate of 2.50% APY.  A 6 month CD that pays a rate of 3.00% APY.  A one year CD that has an interest rate of 3.45% APY.  A 30 month CD with an interest rate of 3.90% APY.  The bank also offers a three year CD that earns an interest rate of 4.00% APY.  And to make sure they are the top dog, the bank offers a five year CD that has an interest rate of 4.25% APY.  Interest is compounded daily and may be credited monthly to the account, paid by check, or transferred to another account on these bank CDs.

Bay Cities Bank main location is in Tampa, Florida.  The bank has five additional bank branches in the surrounding area.  Bay Cities Bank has additional savings options with products ranging from traditional savings accounts to the certificates of deposit with maturities from 30 days to 5 years.  Along with the bank savings products, they offer a selection of consumer loans such as; car loans, home improvement loans, home equity lines and residential loans for the purchase or refinance of a home.

There is a minimum daily balance of $1,000.00 required to obtain the interest rates and APY on the bank CDs.  All bank CD terms and interest rates are subject to change.  Bay Cities Bank can be reached by phone at 1-888-735-7676.  The bank web site displays the current interest rates on most bank products as well as additional information on bank products and services.  The web address is

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