Best Banks & Credit Unions in Pensacola, Florida

Banks and credit unions serving Pensacola, Florida. Compare up to 4.50% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Pensacola, Florida. All rankings inherit from the Florida state directory. Every institution listed is licensed to serve Pensacola residents and is either headquartered in Florida or operates branches in the metro.

Top options in Pensacola

Suncoast Credit Union: 4.50% APY. Florida's largest credit union with broad membership eligibility and competitive deposit rates.
FirstBank Florida: 4.10% APY. 13-month CD: No 12-month term shown; 13 months is the nearest; $1,000 minimum deposit; Florida only; the 24-month CD pays 4.25% APY. Read Sep 7, 2026 on 1firstbank.com. Rates as of 2026-07-27 per the page.
U.S. Century Bank: 4.00% APY. 13-month Promotional CD: Limited-time offer valid through 10/6/26; new money only; $25,000 minimum opening deposit and balance; the standard 12-month CD ($1,000 to open) has no rate printed. Read Sep 7, 2026 on uscentury.com. Rates as of 2026-07-06 per the page.
Space Coast Credit Union: 3.85% APY. 12 Month CD: $500 minimum deposit for all terms; CD rates effective January 16, 2026. Read Sep 7, 2026 on sccu.com. Rates as of 2026-09-01 per the page.
Wings Credit Union: 3.85% APY. 12 Month Certificate: $500 minimum deposit per the certificates page; dividend rate 3.78%; a 17 Month Special Certificate pays 4.10%. Read Sep 7, 2026 on ent.com.
Seacoast Bank: 3.75% APY. 12-Month CD: Minimum opening deposit of $1,000; new money only; special APY applies to the initial term; opened in a branch. Read Sep 7, 2026 on seacoastbank.com. Rates as of 2026-06-15 per the page.

Other Florida cities

See the full Florida banks directory for every institution we've verified in the state, plus the underlying methodology.