CD Rates Georgia (GA) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Georgia CD rates include Harris Employees Credit UnionHarris Employees Credit Union315 W 12th Ave, Cordele, GA 31015 2333A+5.0 ★Texas Ratio: 1.55%Real return: +1.27%APY minus CPI (February 2026) offering IRA 36 MONTHS at 4.07% APY, Autotruck Financial Credit UnionAutotruck Financial Credit Union2900 Westside Pkwy, Alpharetta, GA 30004A+5.0 ★Texas Ratio: 3.26%Real return: +1.26%APY minus CPI (February 2026) offering Share Certificate Accounts 6 Month at 4.06% APY, 1st Choice Credit Union1st Choice Credit Union315 Auburn Ave NE, Atlanta, GA 30303 2603A+5.0 ★Real return: +1.21%APY minus CPI (February 2026) offering Share Certificates 12 Months at 4.01% APY, Tennessee Valley Federal Credit UnionTennessee Valley Federal Credit Union200 Alamar St, Fort Oglethorpe, GA 30742A+5.0 ★Texas Ratio: 4.06%Real return: +1.20%APY minus CPI (February 2026) offering Business Share Certificates 12 Months at 4.00% APY, and Justice Federal Credit UnionJustice Federal Credit Union959 E Confederate Ave SE, Atlanta, GA 30316A5.0 ★Texas Ratio: 9.17%Real return: +1.20%APY minus CPI (February 2026) offering Traditional IRA and Roth IRA Certificate 36 month at 4.00% APY. CD rates as of April 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Georgia side-by-side. Georgia CD rates currently reach as high as 4.07% APY from Harris Employees Credit Union at 315 W 12th Ave, Cordele, GA 31015 2333. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 21, 2026
Compare Best CD Rates in Georgia
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
5975 Shiloh Rd, Alpharetta, GA 30005
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 3 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3360 Satellite Blvd, Duluth, GA 30096
WooriWON 3-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Online Only
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
8910 Main St, Woodstock, GA 30188
3-Month CD (Certificate of Deposit)
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
1st Choice Credit Union
Institution Rating:
A+5.0 ★
315 Auburn Ave NE, Atlanta, GA 30303 2603
Share Certificates 3 Months
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 3 months
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
3-Month CD
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
3 Month Share Certificates
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 3 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regular Accounts
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 E Main St, Forsyth, GA 31029
Certificate of Deposits 90 days
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
3 Month CD
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
221 S Broad St, Monroe, GA 30655
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
175 S Macon St, Jesup, GA 31545
Regular CD 90 Days
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
90 Day CD
$500
0.03%
▼
Rate0.03%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 6 Month
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regular Accounts
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
200 Alamar St, Fort Oglethorpe, GA 30742
6 Months Certificate
$0
3.90%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1897 Sullivan Rd, College Park, GA 30337 5701
6-month certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
New money only.
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1 Coca Cola Plz NW, Atlanta, GA 30313 2420
6 MO. Certificates & IRA Certificates
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Century Bank of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 E Main St, Cartersville, GA 30120
6-Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
6 Month Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
5063 Alabama Hwy, Ringgold, GA 30736
6 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 6 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
6 months Share Certificates
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
direct deposit is required
Security Federal Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
7004 Evans Town Center Blvd, Evans, GA 30809
6 Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rates available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
101 Felton Dr, Rockmart, GA 30153
180 Days* Share Certificates / IRA Certificates
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
65 Washington St, Fairburn, GA 30213
6-month CD
$2,500
3.65%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
OneSouth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4070 Forsyth Rd, Macon, GA 31210
6-Month Share Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
990 Highway 84 E, Cairo, GA 39828 2207
6-Month Share Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 6 Months
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
5825 Windward Pkwy, Alpharetta, GA 30005 4182
6 Month Certificates of Deposit (CDs)
$500
3.62%
▼
Rate3.57%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3550 Lenox Rd Ne, Atlanta, GA 30326
6 months Certificate of Deposit
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
100 Busch Dr NE, Cartersville, GA 30121 7217
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
1st Choice Credit Union
Institution Rating:
A+5.0 ★
315 Auburn Ave NE, Atlanta, GA 30303 2603
Share Certificates 6 Months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
5975 Shiloh Rd, Alpharetta, GA 30005
Certificates of Deposit 6 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
6 Month Share or IRA Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Deposit of $100,000.00
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3718 Mundy Mill Rd, Oakwood, GA 30566 3417
Share Certificates 6 Month CD
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
6 Month CD
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 6 Months
$100,000
3.33%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 6 Month
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
6-Month CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
6-MONTH cD
$500
2.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 6 months2
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
6 Month Certificate of Deposit
$1,000
2.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate (Traditional, Roth or Educational) 6 Months
$1,000
2.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Valdosta Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
102 E Force St, Valdosta, GA 31601 3904
Certificate Account 6 months
$0
1.73%
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Opening Deposit - $1,000.00; Dividends Credited - At Maturity*; Dividend Period - Term of Account*; Dividends Compounded - At Maturity*; Additional Deposits - Not Allowed; Withdrawals - Allowed with Penalty
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
601 W Oglethorpe Hwy, Hinesville, GA 31313
6 Month Share Certificates
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
6 Month Share Certificate
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
6 Month CD
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 E Main St, Forsyth, GA 31029
Certificate of Deposits 180 days
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3048 Eagle Dr, Woodstock, GA 30189 5531
Certificates of Deposit (CDs) 6 months
$500
0.70%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Macon Bibb Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
150 Willie Smokie Glover Dr, Macon, GA 31201 2822
6 month Certificates of Deposit
$500
0.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
175 S Macon St, Jesup, GA 31545
Regular CD 180 Days
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
221 S Broad St, Monroe, GA 30655
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
6 Month CD
$500
0.03%
▼
Rate0.03%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
122 N Alexander St, Toccoa, GA 30577
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
1st Choice Credit Union
Institution Rating:
A+5.0 ★
315 Auburn Ave NE, Atlanta, GA 30303 2603
Share Certificates 12 Months
$500
4.01%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
200 Alamar St, Fort Oglethorpe, GA 30742
Business Share Certificates 12 Months
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
12 months Share Certificates
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
direct deposit is required
Harris Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
315 W 12th Ave, Cordele, GA 31015 2333
IRA 12 MONTHS
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3550 Lenox Rd Ne, Atlanta, GA 30326
1 year Certificate of Deposit
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 12 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regular Accounts
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1 Coca Cola Plz NW, Atlanta, GA 30313 2420
12 MO. Certificates & IRA Certificates
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
4770 Buford Hwy, Chamblee, GA 30341
Rewards Certificates 12 Months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
20+ Yrs; Active Checking
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
921 Ralph David Abernathy Blvd SW, Atlanta, GA 30310
1-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
990 Highway 84 E, Cairo, GA 39828 2207
12-Month Share Certificates
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
OneSouth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4070 Forsyth Rd, Macon, GA 31210
12-Month Share Certificates
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3764 Old Norcross Rd, Duluth, GA 30096
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Limited time offer. Only available in our branches.
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
12 Month Share or IRA Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Deposit of $100,000.00
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 1 Year
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
12-Month CD
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 12 Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 12 Months
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
5825 Windward Pkwy, Alpharetta, GA 30005 4182
1 Year Certificates of Deposit (CDs)
$500
3.62%
▼
Rate3.57%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
1 Year CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3718 Mundy Mill Rd, Oakwood, GA 30566 3417
Share Certificates 12 Month CD
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
100 Busch Dr NE, Cartersville, GA 30121 7217
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
601 W Oglethorpe Hwy, Hinesville, GA 31313
12 Month Share Certificates
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Coweta Cities & County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
43 Jefferson Pkwy, Newnan, GA 30263 5813
1 year Regular Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3048 Eagle Dr, Woodstock, GA 30189 5531
12 mo. IRA CD
$500
3.51%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 12 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
1 Year Share Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
1-Year IRA Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
12 Month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
101 Felton Dr, Rockmart, GA 30153
12 Months* Share Certificates / IRA Certificates
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
12 Month Certificate of Deposit
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional IRA and Roth IRA Certificate 12 month
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
705 W Cherry St, Jesup, GA 31545
12 Month Share/IRA Certificates
$100,000
3.25%
▼
Rate3.21%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate (Traditional, Roth or Educational) 12 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
5975 Shiloh Rd, Alpharetta, GA 30005
Certificates of Deposit 12 Month
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
8910 Main St, Woodstock, GA 30188
12-Month CD (Certificate of Deposit)
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Valdosta Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
102 E Force St, Valdosta, GA 31601 3904
Educational IRA Account 1 year
$0
2.28%
▼
Rate2.26%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Opening Deposit - $250.00; Dividends Credited - Quarterly; Dividend Period - Calendar Quarterly; Dividends Compounded - Quarterly; Additional Deposits - Allowed*; Withdrawals - Allowed with Penalty
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
10300 Industrial Blvd Ne, Covington, GA 30014
12 Months Certificate of Deposit (CDs)
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Open Account: $500.00; Obtain APY: $500.00
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 E Main St, Forsyth, GA 31029
Certificate of Deposits 12 months
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
221 S Broad St, Monroe, GA 30655
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
1-year cd
$500
1.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 1 Year2
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
12 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
1 Year Share Certificate
$500
1.15%
▼
Rate1.14%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Macon Bibb Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
150 Willie Smokie Glover Dr, Macon, GA 31201 2822
12 month Certificates of Deposit
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
175 S Macon St, Jesup, GA 31545
Regular CD 12 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
122 N Alexander St, Toccoa, GA 30577
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Qualifying balance up to $49,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
200 Alamar St, Fort Oglethorpe, GA 30742
18 Months IRA Certificates
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
104 Town Blvd NE Ste A110, Brookhaven, GA 30319 3146
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Save more when you move at least $500 from another financial institution.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
18-Month CD
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 18 Months
$500
3.57%
▼
Rate3.51%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 18 Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regular Accounts
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
18 Month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
101 Felton Dr, Rockmart, GA 30153
18 Months* Share Certificates / IRA Certificates
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
100 Busch Dr NE, Cartersville, GA 30121 7217
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 18 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
18-Month Term Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
300 Jackson St, Vidalia, GA 30474
IRA 18 Months
$250
3.05%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 18 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
18 Month Share Certificates
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
18 Month Share Certificate
$500
2.35%
▼
Rate2.33%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
601 W Oglethorpe Hwy, Hinesville, GA 31313
18 Month Share Certificates
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
10300 Industrial Blvd Ne, Covington, GA 30014
18 Months Certificate of Deposit (CDs)
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Open Account: $500.00; Obtain APY: $500.00
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 E Main St, Forsyth, GA 31029
Certificate of Deposits 18 months
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
18 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Macon Bibb Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
150 Willie Smokie Glover Dr, Macon, GA 31201 2822
18 month Certificates of Deposit
$500
0.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harris Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
315 W 12th Ave, Cordele, GA 31015 2333
IRA 24 MONTHS
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
24 Month Share or IRA Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Deposit of $100,000.00
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
200 Alamar St, Fort Oglethorpe, GA 30742
Business Share Certificates 24 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
101 Felton Dr, Rockmart, GA 30153
24 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3550 Lenox Rd Ne, Atlanta, GA 30326
2 years Certificate of Deposit
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 2 Year
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
990 Highway 84 E, Cairo, GA 39828 2207
Share Certificate, IRA Certificate 24 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
1st Choice Credit Union
Institution Rating:
A+5.0 ★
315 Auburn Ave NE, Atlanta, GA 30303 2603
Share Certificates 24 Months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 24 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
24 Month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1 Coca Cola Plz NW, Atlanta, GA 30313 2420
24 MO. Certificates & IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
100 Busch Dr NE, Cartersville, GA 30121 7217
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regular Accounts
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
24-Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
2 Year CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3048 Eagle Dr, Woodstock, GA 30189 5531
24 mo. IRA CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 2 Year Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
2-Year IRA Certificate
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 24 months
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 24 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
705 W Cherry St, Jesup, GA 31545
24 Month Share/IRA Certificates
$100,000
3.00%
▼
Rate2.97%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate (Traditional, Roth or Educational) 24 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
5825 Windward Pkwy, Alpharetta, GA 30005 4182
2 Year Certificates of Deposit (CDs)
$500
2.90%
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
601 W Oglethorpe Hwy, Hinesville, GA 31313
24 Month Share Certificates
$500
2.84%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
2 Year Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3718 Mundy Mill Rd, Oakwood, GA 30566 3417
Share Certificates 24 Month CD
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
1251 13th St, Columbus, GA 31901 2227
First-time Homebuyer Certificate 24-month term
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Eligible for additional deposits throughout the certificate term; Maximum balance of $15,000; Limit one certificate per membership; Closing credit of $500 towards your mortgage closing with Kinetic
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
2 Year Share Certificate
$500
2.40%
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Valdosta Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
102 E Force St, Valdosta, GA 31601 3904
Certificate Account 2 years
$0
2.38%
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Opening Deposit - $1,000.00; Dividends Credited - At Maturity*; Dividend Period - Term of Account*; Dividends Compounded - At Maturity*; Additional Deposits - Not Allowed; Withdrawals - Allowed with Penalty
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 E Main St, Forsyth, GA 31029
Certificate of Deposits 24 months
$0
1.66%
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
24 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Macon Bibb Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
150 Willie Smokie Glover Dr, Macon, GA 31201 2822
24 month Certificates of Deposit
$500
0.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
2-year cd
$500
0.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 2 years2
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
175 S Macon St, Jesup, GA 31545
Regular CD 24 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harris Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
315 W 12th Ave, Cordele, GA 31015 2333
IRA 36 MONTHS
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3550 Lenox Rd Ne, Atlanta, GA 30326
3 years Certificate of Deposit
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
101 Felton Dr, Rockmart, GA 30153
36 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 3 Year
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
990 Highway 84 E, Cairo, GA 39828 2207
Share Certificate, IRA Certificate 36 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 36 Months
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
921 Ralph David Abernathy Blvd SW, Atlanta, GA 30310
3-year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1 Coca Cola Plz NW, Atlanta, GA 30313 2420
36 MO. Certificates & IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
100 Busch Dr NE, Cartersville, GA 30121 7217
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regular Accounts
1st Choice Credit Union
Institution Rating:
A+5.0 ★
315 Auburn Ave NE, Atlanta, GA 30303 2603
Share Certificates 36 Months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3048 Eagle Dr, Woodstock, GA 30189 5531
36 mo. IRA CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
3 Year CD
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
4770 Buford Hwy, Chamblee, GA 30341
Rewards Certificates 36 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
20+ Yrs; Active Checking
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate (Traditional, Roth or Educational) 36 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 36 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
3-Year IRA Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
601 W Oglethorpe Hwy, Hinesville, GA 31313
36 Month Share Certificates
$500
2.94%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
36-Month CD
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
5825 Windward Pkwy, Alpharetta, GA 30005 4182
3 Year Certificates of Deposit (CDs)
$500
2.90%
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
705 W Cherry St, Jesup, GA 31545
36 Month Share/IRA Certificates
$100,000
2.75%
▼
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
3 Year Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
3 Year Share Certificate
$500
2.55%
▼
Rate2.52%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Valdosta Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
102 E Force St, Valdosta, GA 31601 3904
Educational IRA Account 3 years
$0
2.40%
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Opening Deposit - $250.00; Dividends Credited - Quarterly; Dividend Period - Calendar Quarterly; Dividends Compounded - Quarterly; Additional Deposits - Allowed*; Withdrawals - Allowed with Penalty
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 3 Year Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
36 Month CD
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 E Main St, Forsyth, GA 31029
Certificate of Deposits 36 months
$0
1.66%
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
36 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Macon Bibb Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
150 Willie Smokie Glover Dr, Macon, GA 31201 2822
36 month Certificates of Deposit
$500
0.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
3-year cd
$500
0.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 3 years2
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
175 S Macon St, Jesup, GA 31545
Regular CD 36 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3550 Lenox Rd Ne, Atlanta, GA 30326
4 years Certificate of Deposit
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
101 Felton Dr, Rockmart, GA 30153
48 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
990 Highway 84 E, Cairo, GA 39828 2207
Share Certificate, IRA Certificate 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 48 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regular Accounts
Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3048 Eagle Dr, Woodstock, GA 30189 5531
48 mo. IRA CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 48 Months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1 Coca Cola Plz NW, Atlanta, GA 30313 2420
48 MO. Certificates & IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
100 Busch Dr NE, Cartersville, GA 30121 7217
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 48 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 4 Year
$100,000
3.19%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
4 Year CD
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
601 W Oglethorpe Hwy, Hinesville, GA 31313
48 Month Share Certificates
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
4-Year IRA Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
5825 Windward Pkwy, Alpharetta, GA 30005 4182
4 Year Certificates of Deposit (CDs)
$500
2.90%
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
705 W Cherry St, Jesup, GA 31545
48 Month Share/IRA Certificates
$100,000
2.75%
▼
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
4 Year Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate (Traditional, Roth or Educational) 48 Months
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
4 Year Share Certificate
$500
2.55%
▼
Rate2.52%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
48-Month CD
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Valdosta Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
102 E Force St, Valdosta, GA 31601 3904
Educational IRA Account 4 years
$0
2.08%
▼
Rate2.07%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Opening Deposit - $250.00; Dividends Credited - Quarterly; Dividend Period - Calendar Quarterly; Dividends Compounded - Quarterly; Additional Deposits - Allowed*; Withdrawals - Allowed with Penalty
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 4 Year Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
48 Month CD
$500
1.95%
▼
Rate1.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 E Main St, Forsyth, GA 31029
Certificate of Deposits 48 months
$0
1.77%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
48 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Macon Bibb Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
150 Willie Smokie Glover Dr, Macon, GA 31201 2822
48 month Certificates of Deposit
$500
0.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
175 S Macon St, Jesup, GA 31545
Regular CD 48 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3550 Lenox Rd Ne, Atlanta, GA 30326
5 years Certificate of Deposit
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
101 Felton Dr, Rockmart, GA 30153
60 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 60 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regular Accounts
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
990 Highway 84 E, Cairo, GA 39828 2207
Share Certificate, IRA Certificate 60 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 5 Year
$100,000
3.44%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3048 Eagle Dr, Woodstock, GA 30189 5531
60 mo. IRA CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 60 Months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1 Coca Cola Plz NW, Atlanta, GA 30313 2420
60 MO. Certificates & IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
601 W Oglethorpe Hwy, Hinesville, GA 31313
60 Month Share Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
4770 Buford Hwy, Chamblee, GA 30341
Rewards Certificates 60 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
20+ Yrs; Active Checking
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
100 Busch Dr NE, Cartersville, GA 30121 7217
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
5 Year CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 60 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
5-Year IRA Certificate
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
505 Takeda Pkwy, Social Circle, GA 30025 4723
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
200 Alamar St, Fort Oglethorpe, GA 30742
Business Share Certificates 60 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
5825 Windward Pkwy, Alpharetta, GA 30005 4182
5 Year Certificates of Deposit (CDs)
$500
2.90%
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
705 W Cherry St, Jesup, GA 31545
60 Month Share/IRA Certificates
$100,000
2.75%
▼
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
5 Year Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate (Traditional, Roth or Educational) 60 Months
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
853 N Houston Rd, Warner Robins, GA 31093 1501
5 Year Share Certificate
$500
2.55%
▼
Rate2.52%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
10300 Industrial Blvd Ne, Covington, GA 30014
60 Months Certificate of Deposit (CDs)
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Open Account: $500.00; Obtain APY: $500.00
Valdosta Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
102 E Force St, Valdosta, GA 31601 3904
Educational IRA Account 5 years
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Opening Deposit - $250.00; Dividends Credited - Quarterly; Dividend Period - Calendar Quarterly; Dividends Compounded - Quarterly; Additional Deposits - Allowed*; Withdrawals - Allowed with Penalty
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
60-Month CD
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 E Main St, Forsyth, GA 31029
Certificate of Deposits 60 months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
60 Month CD
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 5 Year Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Citizens Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
60 Month CD
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
175 S Macon St, Jesup, GA 31545
Regular CD 60 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Georgia CD Rate Trends
Compare local Georgia CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — GA Avg
2.343%
▼ 0.301 vs 7 days ago
Georgia 12-month CD rates fell 0.301 points over the past 7 days to 2.343% APY.
6-Month CD — GA Avg
1.554%
▼ 0.618 vs 7 days ago
Georgia 6-month CD rates fell 0.618 points over the past 7 days to 1.554% APY.
As of Apr 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
GA CD Rate Forecast — Next 12 Months
Where are Georgia CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
GA 12-Month Avg APY
2.343%
6-Month Forecast
2.343%
Range: 2.14% – 2.49%
12-Month Forecast
2.093%
Range: 1.89% – 2.24%
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MonitorBankRates
What Your Savings Earn at GA CD Rates Today
Annual interest earnings at today’s Georgia average APYs. State average used where available; national average as fallback.
| CD Term | GA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.303% | $15.15 | $30.30 | $75.75 | $151.50 |
| 6-Month CD | 1.554% | $77.68 | $155.36 | $388.40 | $776.80 |
| 12-Month CD | 2.343% | $117.17 | $234.34 | $585.85 | $1,171.70 |
| 18-Month CD | 2.932% | $146.58 | $293.16 | $732.90 | $1,465.80 |
| 24-Month CD | 2.834% | $141.68 | $283.35 | $708.38 | $1,416.75 |
| 36-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 48-Month CD | 2.702% | $135.11 | $270.22 | $675.55 | $1,351.10 |
| 60-Month CD | 2.773% | $138.64 | $277.27 | $693.18 | $1,386.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026. | |||||
Sample CD Ladder for Georgia Savers
$25,000 split equally across 5 terms using today’s Georgia average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | GA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.303% | $15.15 |
| 2 | 6-Month CD | $5,000 | 1.554% | $77.68 |
| 3 | 12-Month CD | $5,000 | 2.343% | $117.17 |
| 4 | 24-Month CD | $5,000 | 2.834% | $141.68 |
| 5 | 36-Month CD | $5,000 | 2.672% | $133.62 |
| Total ($25,000 invested) | $25,000 | 1.941% blended | $485.30/yr | |
Ladder example uses equal $5,000 rungs and Georgia average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
56
Institutions
in Georgia
in Georgia
20 Banks
36 Credit Unions
About Our Georgia CD Rate Database
MonitorBankRates tracks CD rates from 20 banks and 36 credit unions with locations in Georgia, plus national online institutions available to Georgia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Harris Employees Credit Union offers a CD at 4.07% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Georgia.
How to Find the Best CD Rates in Georgia
What to compare when shopping for a CD in Georgia
To find the best APYs in Georgia, start with credit unions and online-only banks — Georgia has 36 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Georgia
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Georgia — 56 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Georgia savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Georgia money market rates
Georgia Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
15.0%
National avg: 17.3%
Median Individual Earnings
$43,815
National avg: $47,340
Poverty Rate
13.4%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$103/yr
At GA 12-mo avg 2.343% APY
15.0% of residents are 65 or older — below the national average of 17.3%. At today’s GA 12-month CD average of 2.343%, saving 10% of the local median salary ($4,381/year) and putting it in a CD would earn an additional $103 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Georgia
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Georgia
Are CD rates in Georgia FDIC insured?
Yes, most established banks in Georgia are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Georgia?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Georgia.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Georgia may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Georgia?
Here are recent top rates found for this area:
- Harris Employees Credit Union: 4.07% APY (IRA 36 MONTHS)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts 6 Month)
- 1st Choice Credit Union: 4.01% APY (Share Certificates 12 Months)
- Tennessee Valley Federal Credit Union: 4.00% APY (Business Share Certificates 12 Months)
- Justice Federal Credit Union: 4.00% APY (Traditional IRA and Roth IRA Certificate 36 month)
- Excel Federal Credit Union: 4.00% APY (12 months Share Certificates)
- Austin Capital Bank: 3.91% APY (Certificates of Deposit 3 Month)
- Wings Financial Credit Union: 3.90% APY (6-month certificate)
- RBC Bank, (Georgia): 3.85% APY (1 year Certificate of Deposit)
- Coca Cola Federal Credit Union: 3.82% APY (12 MO. Certificates & IRA Certificates)
Rates reflect recent verified offers available in Georgia. Last Updated: April 21, 2026
CD Calculators for Georgia
Georgia CD Calculator
At today’s GA top rate of 4.07% APY, a $10,000 deposit earns $407 in the first year. Enter your amount to see your exact return.
Georgia CD LadderGA CD rates currently range from 0.303% (3-month) to 2.672% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Georgia CD at 4.07% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsGeorgia’s average 12-month CD is 2.343% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Georgia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Georgia. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in GA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 21, 2026
Cities in Georgia
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