Atlanta, Georgia Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
Atlanta, Georgia CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 19, 2026. Current Atlanta, Georgia CD rates include CDC Federal Credit UnionCDC Federal Credit Union2301 Parklake Dr NE, Atlanta, GA 30345 2912A+5.0 ★Texas Ratio: 2.99%Real return: +1.79%APY minus CPI (February 2026) offering Rewards Certificate 12 Months at 4.59% APY, Excel Federal Credit UnionExcel Federal Credit Union61 Forsyth St SW Ste 8B 70, Atlanta, GA 30303 8931A+5.0 ★Texas Ratio: 2.36%Real return: +1.70%APY minus CPI (February 2026) offering 4 Year Share Certificates/CDs at 4.50% APY, Navy Federal Credit UnionNavy Federal Credit Union2470 Briarcliff Rd NE, Atlanta, GA 30329A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, Coastal States Bank (CSB)Coastal States Bank (CSB)6160 Roswell Rd, Atlanta, GA 30328A+5.0 ★Texas Ratio: 4.83%Real return: +1.40%APY minus CPI (February 2026) offering 18-Month CD at 4.20% APY, and City National BankCity National Bank3333 Piedmont Rd Ne, Atlanta, GA 30305A+5.0 ★Texas Ratio: 5.55%Real return: +1.31%APY minus CPI (February 2026) offering Special 12-Month Fixed Rate CD at 4.11% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.
Atlanta has 328 local institutions in our database, with CD rates as high as 4.59% APY from CDC Federal Credit Union at 2301 Parklake Dr NE, Atlanta, GA 30345 2912. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Georgia area. Rates are continually updated, so 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: October 19, 2026
Compare Best CD Rates in Atlanta, Georgia & the Surrounding Area
Atlanta 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
400 Whitehall St SW, Atlanta, GA 30303
3 Month Certificates of Deposit
$1,000
3.05%
▲ 1.37% above Georgia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.68%▲ 1.37% above avgNationally 2.12%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; Penalty will be imposed for early withdrawal; Dividends compounded monthly
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3333 Piedmont Rd Ne, Atlanta, GA 30305
3 Month Personal CD
$0
2.78%
▲ 1.10% above Georgia avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▲ 1.10% above avgNationally 2.12%
Details
Term: 3 months (90 to 179 days)
Rate History
No change since Oct 14, 2026 · 2.78% APY
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1968 Peachtree Rd NW Bldg 6, Atlanta, GA 30309 1281
Certificate - 90 Days
$1,000
2.65%
▲ 0.97% above Georgia avg
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.68%▲ 0.97% above avgNationally 2.12%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2427 Gresham Rd Se, Atlanta, GA 30316
Certificate of Deposit 3 Month
$500
2.00%
▲ 0.32% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▲ 0.32% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.13% below Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▼ 0.13% below avgNationally 2.12%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.18% below Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▼ 0.18% below avgNationally 2.12%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
3 Month Jumbo Share Certificate
$100,000
1.12%
▼ 0.56% below Georgia avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average1.68%▼ 0.56% below avgNationally 2.12%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 12, 2026 · 1.12% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
3 Month Traditional Jumbo Share Certificate
$100,000
1.12%
▼ 0.56% below Georgia avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average1.68%▼ 0.56% below avgNationally 2.12%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge Relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 15, 2026 · 1.12% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
3 Month Share Certificate
$500
1.02%
▼ 0.66% below Georgia avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average1.68%▼ 0.66% below avgNationally 2.12%
Details
Includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
- Oct 15, 20261.02%▼ from 1.12%
- Sep 25, 20261.12%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
3 Month Traditional Share Certificate
$500
1.02%
▼ 0.66% below Georgia avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average1.68%▼ 0.66% below avgNationally 2.12%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 15, 2026 · 1.02% APY
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3525 Piedmont Rd Ne, Atlanta, GA 30305
3 Month CD
$500
0.50%
▼ 1.18% below Georgia avg
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average1.68%▼ 1.18% below avgNationally 2.12%
Details
Penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
171 17th St Nw, Atlanta, GA 30363
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.62% below Georgia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▼ 1.62% below avgNationally 2.12%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
171 17th St Nw, Atlanta, GA 30363
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.63% below Georgia avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▼ 1.63% below avgNationally 2.12%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
303 Peachtree St Ne, Atlanta, GA 30308
3 Month CD
$1,000
0.05%
▼ 1.63% below Georgia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average1.68%▼ 1.63% below avgNationally 2.12%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
3 Month Certificate of Deposit
$0
0.03%
▼ 1.65% below Georgia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▼ 1.65% below avgNationally 2.12%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
90 Day Jumbo CD
$100,000
0.03%
▼ 1.65% below Georgia avg
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average1.68%▼ 1.65% below avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 8 times
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
Regular Certificates Of Deposit - 90 Day CD
$500
0.03%
▼ 1.65% below Georgia avg
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average1.68%▼ 1.65% below avgNationally 2.12%
Details
Rate History
No change since Oct 15, 2026 · 0.03% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
3 Month Certificate of Deposit
$0
0.02%
▼ 1.66% below Georgia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▼ 1.66% below avgNationally 2.12%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
3 Month Certificate of Deposit
$0
0.01%
▼ 1.67% below Georgia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▼ 1.67% below avgNationally 2.12%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58%
▲ 2.90% above Georgia avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average1.68%▲ 2.90% above avgNationally 2.12%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Month Certificate
$500
3.75%
▲ 2.07% above Georgia avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▲ 2.07% above avgNationally 2.12%
Details
Fixed rate; $500.00 minimum to open and obtain APY
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 3 Month Certificate
$5,000
3.75%
▲ 2.07% above Georgia avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.68%▲ 2.07% above avgNationally 2.12%
Details
Rate = dividend rate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000
Rate History
No change since Oct 19, 2026 · 3.75% APY
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3 Month WooriWON Certificate of Deposit (CD)
$1,000
3.70%
▲ 2.02% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▲ 2.02% above avgNationally 2.12%
Details
Simple interest, paid at maturity; renews automatically; early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3-Month CD (Certificate of Deposit)
$1,000
3.25%
▲ 1.57% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▲ 1.57% above avgNationally 2.12%
Details
Special APY applicable to initial term only; offer not available to funds currently on deposit at Seacoast Bank; APY accurate as of October 3, 2026; early withdrawal may be subject to penalty
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 2 times
First Arkansas Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
90-Day CD
$500
3.20%
▲ 1.52% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▲ 1.52% above avgNationally 2.12%
Details
Automatically renews for 90 days; Deposit amount and interest rate locked for the term; APY accurate as of 12/17/2025; Early withdrawal penalty may apply
Rate History
No change since Sep 8, 2026 · 3.20% APY · checked 10 times
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Share Certificate 3 Months
$0
2.50%
▲ 0.82% above Georgia avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.68%▲ 0.82% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
CD 3-Month
$0
2.27%
▲ 0.59% above Georgia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.68%▲ 0.59% above avgNationally 2.12%
Details
Dividend Rate column labeled with *** footnote; APY** footnote applies
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 9 times
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA 3-Month Certificate
$0
2.27%
▲ 0.59% above Georgia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.68%▲ 0.59% above avgNationally 2.12%
Details
IRA Certificate; Dividend Rate 2.25%
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 10 times
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3 Month Share Certificate
$500
1.51%
▼ 0.17% below Georgia avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.68%▼ 0.17% below avgNationally 2.12%
Details
Dividend rate 1.50%; $500 minimum deposit required on all certificates; 3 and 6 Month certificates use simple dividend calculation
Rate History
No change since Oct 10, 2026 · 1.51% APY · checked 2 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 3 Month
$0
1.26%
▼ 0.42% below Georgia avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.68%▼ 0.42% below avgNationally 2.12%
Details
Regular Accounts minimum balance to earn APY; Education Savings: N/A; Roth or Traditional IRAs: N/A
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 3 times
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 90 Days
$0
1.00%
▼ 0.68% below Georgia avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.68%▼ 0.68% below avgNationally 2.12%
Details
Rate History
No change since Oct 13, 2026 · 1.00% APY · checked 3 times
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Certificates of Deposit - 3 Months
$5,000
0.75%
▼ 0.93% below Georgia avg
▼
Rate0.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▼ 0.93% below avgNationally 2.12%
Details
Interest calculated daily; Early withdrawal penalty: 1 Month; Early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 times
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
90 Day Certificate
$0
0.65%
▼ 1.03% below Georgia avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average1.68%▼ 1.03% below avgNationally 2.12%
Details
Rate History
No change since Oct 7, 2026 · 0.65% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Rewards
$0
0.60%
▼ 1.08% below Georgia avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.68%▼ 1.08% below avgNationally 2.12%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Standard Rate CDs
$500
0.50%
▼ 1.18% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.68%▼ 1.18% below avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Regular
$0
0.50%
▼ 1.18% below Georgia avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.68%▼ 1.18% below avgNationally 2.12%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 2 times
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
90 Day Certificates of Deposit
$0
0.30%
▼ 1.38% below Georgia avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average1.68%▼ 1.38% below avgNationally 2.12%
Details
Compound Method: Simple
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 4 times
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Business Certificates of Deposit - 90 Day
$500
0.20%
▼ 1.48% below Georgia avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average1.68%▼ 1.48% below avgNationally 2.12%
Details
Compound Method: Simple; APY assumes interest remains on deposit until maturity; withdrawal of interest will reduce earnings
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 3 times
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Standard Certificate - 3 Month
$0
0.15%
▼ 1.53% below Georgia avg
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average1.68%▼ 1.53% below avgNationally 2.12%
Details
Monthly & Quarterly Certificates; Consumer, IRA, & Business
Rate History
No change since Oct 13, 2026 · 0.15% APY · checked 2 times
Atlanta 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3333 Piedmont Rd Ne, Atlanta, GA 30305
Special 6-Month Fixed Rate CD
$10,000
4.00%
▲ 1.07% above Georgia avg
▼
Rate3.93%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 1.07% above avgNationally 2.79%
Details
New money deposits required; $10,000 minimum opening deposit
Rate History
No change since Oct 14, 2026 · 4.00% APY
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
6160 Roswell Rd, Atlanta, GA 30328
6-Month CD
$1,000
4.00%
▲ 1.07% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 1.07% above avgNationally 2.79%
Details
Minimum balance to open and obtain APY is $1,000; valid for new clients or existing clients with a minimum of $25,000 in new money; early withdrawal penalty applies; APY accurate as of 09/24/2026; Open Online
Rate History
1 change since Sep 9, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
- Sep 27, 20264.00%▲ from 3.55%
- Sep 9, 20263.55%first recorded
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6201 Powers Ferry Rd, Atlanta, GA 30339
6 Month Certificate
$0
4.00%
▲ 1.07% above Georgia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▲ 1.07% above avgNationally 2.79%
Details
Certificates of Deposit effective May 28, 2025
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
61 Forsyth St SW Ste 8B 70, Atlanta, GA 30303 8931
6 Month Share Certificates/CDs
$500
3.75%
▲ 0.82% above Georgia avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▲ 0.82% above avgNationally 2.79%
Details
$500.00 and above; early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Oct 15, 20263.75%▲ from 3.60%
- Sep 12, 20263.60%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
61 Forsyth St SW Ste 8B 70, Atlanta, GA 30303 8931
Special Promotional Rate - 6 Months
$500
3.75%
▲ 0.82% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▲ 0.82% above avgNationally 2.79%
Details
Qualifications Required: Payroll direct deposit; As-high-as promotional rate for 6 months; payroll direct deposit required; promotional rates may expire at any time; effective 10/16/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
400 Whitehall St SW, Atlanta, GA 30303
6 Month Certificate of Deposit
$1,000
3.75%
▲ 0.82% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▲ 0.82% above avgNationally 2.79%
Details
Featured CD rate; APY accurate as of last dividend declaration; Rates effective as of 10.19.26
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
400 Whitehall St SW, Atlanta, GA 30303
6 Month Certificates of Deposit
$1,000
3.75%
▲ 0.82% above Georgia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▲ 0.82% above avgNationally 2.79%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; Penalty will be imposed for early withdrawal; Dividends compounded monthly
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
6-Month Term CD
$1,000
3.75%
▲ 0.82% above Georgia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▲ 0.82% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
Term CD - 6-Month
$1,000
3.75%
▲ 0.82% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▲ 0.82% above avgNationally 2.79%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1025 Virginia Ave, Atlanta, GA 30354 1319
6 Month Certificate of Deposit Accounts
$1,000
3.70%
▲ 0.77% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▲ 0.77% above avgNationally 2.79%
Details
Comparison table row for Delta Community; 6-Month term heading from page context; competitor rows (Chase Bank, Bank of America, Wells Fargo, PNC Bank) excluded as they are not Delta Community rates
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Oct 9, 20263.70%▲ from 3.55%
- Sep 14, 20263.55%first recorded
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1968 Peachtree Rd NW Bldg 6, Atlanta, GA 30309 1281
Certificate - 6 Months
$1,000
3.70%
▲ 0.77% above Georgia avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▲ 0.77% above avgNationally 2.79%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
980 Johnson Ferry Rd, Atlanta, GA 30342
Share Certificate - 6 months
$0
3.55%
▲ 0.62% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▲ 0.62% above avgNationally 2.79%
Details
90 day interest penalty for early withdrawal; Effective Date: 10/01/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
6 Month Term Share Certificate
$0
3.50%
▲ 0.57% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▲ 0.57% above avgNationally 2.79%
Details
Effective September 28, 2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 29, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
6 Month CD
$200
3.35%
▲ 0.42% above Georgia avg
▼
Rate3.35%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▲ 0.42% above avgNationally 2.79%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
6 Month Safari Club CD
$100
3.35%
▲ 0.42% above Georgia avg
▼
Rate3.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▲ 0.42% above avgNationally 2.79%
Details
Safari Club CD for Members through age 15; Minimum Opening Deposit is $100; Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
6 Month Jumbo Share Certificate
$100,000
3.16%
▲ 0.23% above Georgia avg
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▲ 0.23% above avgNationally 2.79%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.16% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
6 Month Traditional Jumbo Share Certificate
$100,000
3.16%
▲ 0.23% above Georgia avg
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▲ 0.23% above avgNationally 2.79%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge Relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 15, 2026 · 3.16% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
6 Month Share Certificate
$500
3.05%
▲ 0.12% above Georgia avg
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▲ 0.12% above avgNationally 2.79%
Details
Includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.16% → 3.05% ▼ 0.11 pts · high 3.16% / low 3.05%
- Oct 15, 20263.05%▼ from 3.16%
- Sep 25, 20263.16%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
6 Month Traditional Share Certificate
$500
3.05%
▲ 0.12% above Georgia avg
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▲ 0.12% above avgNationally 2.79%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 15, 2026 · 3.05% APY
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3333 Piedmont Rd Ne, Atlanta, GA 30305
6 Month Personal CD
$0
2.84%
▼ 0.09% below Georgia avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▼ 0.09% below avgNationally 2.79%
Details
Term: 6 months (180 to 269 days)
Rate History
No change since Oct 14, 2026 · 2.84% APY
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
670 Metropolitan Pkwy SW, Atlanta, GA 30310
Share and IRA Certificate - 6 months
$500
2.53%
▼ 0.40% below Georgia avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▼ 0.40% below avgNationally 2.79%
Details
Dividends are compounded and credited quarterly.
Rate History
No change since Oct 13, 2026 · 2.53% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2427 Gresham Rd Se, Atlanta, GA 30316
Certificate of Deposit 6 Month
$500
2.25%
▼ 0.68% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▼ 0.68% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2427 Gresham Rd Se, Atlanta, GA 30316
IRA 6 Month
$500
2.25%
▼ 0.68% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▼ 0.68% below avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 2.25% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
6 Month Certificate
$10,000
2.00%
▼ 0.93% below Georgia avg
▼
Rate1.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▼ 0.93% below avgNationally 2.79%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
IRA Certificate Plus - 6 Months
$10,000
2.00%
▼ 0.93% below Georgia avg
▼
Rate1.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▼ 0.93% below avgNationally 2.79%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Oct 19, 2026 · 2.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
Share Certificate (CD) - 6 Months
$1,000
2.00%
▼ 0.93% below Georgia avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▼ 0.93% below avgNationally 2.79%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
Share Certificate - 6 Months
$10,000
2.00%
▼ 0.93% below Georgia avg
▼
Rate1.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▼ 0.93% below avgNationally 2.79%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3525 Piedmont Rd Ne, Atlanta, GA 30305
6 Month CD
$500
0.90%
▼ 2.03% below Georgia avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▼ 2.03% below avgNationally 2.79%
Details
Penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
171 17th St Nw, Atlanta, GA 30363
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.87% below Georgia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▼ 2.87% below avgNationally 2.79%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
171 17th St Nw, Atlanta, GA 30363
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.88% below Georgia avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▼ 2.88% below avgNationally 2.79%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
303 Peachtree St Ne, Atlanta, GA 30308
6 Month CD
$1,000
0.05%
▼ 2.88% below Georgia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▼ 2.88% below avgNationally 2.79%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
6 Month Certificate of Deposit
$0
0.03%
▼ 2.90% below Georgia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▼ 2.90% below avgNationally 2.79%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 6 Months
$250
0.03%
▼ 2.90% below Georgia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▼ 2.90% below avgNationally 2.79%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
6 Month Jumbo CD
$100,000
0.03%
▼ 2.90% below Georgia avg
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▼ 2.90% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 8 times
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
Regular Certificates Of Deposit - 6 Month CD
$500
0.03%
▼ 2.90% below Georgia avg
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▼ 2.90% below avgNationally 2.79%
Details
Rate History
No change since Oct 15, 2026 · 0.03% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
6 Month Certificate of Deposit
$0
0.02%
▼ 2.91% below Georgia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▼ 2.91% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 6 Months
$250
0.02%
▼ 2.91% below Georgia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▼ 2.91% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
6 Month Certificate of Deposit
$0
0.01%
▼ 2.92% below Georgia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▼ 2.92% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 6 Months
$250
0.01%
▼ 2.92% below Georgia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▼ 2.92% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30%
▲ 1.37% above Georgia avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.93%▲ 1.37% above avgNationally 2.79%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 6 Months
$0
4.20%
▲ 1.27% above Georgia avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▲ 1.27% above avgNationally 2.79%
Details
Penalty: 90 Days
Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 3 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 6 Months
$0
4.20%
▲ 1.27% above Georgia avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▲ 1.27% above avgNationally 2.79%
Details
Tier: $500 Minimum; Penalty: 90 Days
Rate History
No change since Oct 12, 2026 · 4.20% APY · checked 2 times
Loyal Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
6 Month CD
$1,000
4.15%
▲ 1.22% above Georgia avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.93%▲ 1.22% above avgNationally 2.79%
Details
$1,000,000 max opening deposit. Early withdrawal penalty may apply.
Rate History
No change since Sep 29, 2026 · 4.15% APY · checked 5 times
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6 Month Business Share Certificate
$1,000
4.15%
▲ 1.22% above Georgia avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▲ 1.22% above avgNationally 2.79%
Details
$1,000 minimum opening deposit required; penalty applies for early withdrawal
Rate History
1 change since Oct 8, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
- Oct 15, 20264.15%▲ from 3.90%
- Oct 8, 20263.90%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificates - 6 Months
$1,000
4.15%
▲ 1.22% above Georgia avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.93%▲ 1.22% above avgNationally 2.79%
Details
Dividend Rate 4.11%; early withdrawal penalty applies
Rate History
No change since Oct 12, 2026 · 4.15% APY · checked 2 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 6 Month Certificate
$500
4.10%
▲ 1.17% above Georgia avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▲ 1.17% above avgNationally 2.79%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.10% APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 6 Month
$0
4.06%
▲ 1.13% above Georgia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▲ 1.13% above avgNationally 2.79%
Details
Regular Accounts minimum balance to earn APY; Education Savings: N/A; Roth or Traditional IRAs: N/A
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
Security Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
6 Month CD Rate Special
$500
4.00%
▲ 1.07% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 1.07% above avgNationally 2.79%
Details
CD Rate Special; Rates available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit; APY accurate as of 09/21/2026; early withdrawal penalty varies from 3 to 18 months interest; Stop by a local Security Federal Bank branch to open a CD
Rate History
No change since Oct 14, 2026 · 4.00% APY
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 6 Months
$0
4.00%
▲ 1.07% above Georgia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▲ 1.07% above avgNationally 2.79%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share or IRA Certificate
$100,000
4.00%
▲ 1.07% above Georgia avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.93%▲ 1.07% above avgNationally 2.79%
Details
Jumbo tier; Minimum Deposit of $100,000.00
Rate History
2 changes since Sep 14, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
- Oct 19, 20264.00%▲ from 3.50%
- Sep 22, 20263.50%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Atlanta 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 12 Months
$1,000
4.59%
▲ 1.31% above Georgia avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 1.31% above avgNationally 3.00%
Details
Tenure: 20+ Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 4.59% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.07% above Georgia avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.28%▲ 1.07% above avgNationally 3.00%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3333 Piedmont Rd Ne, Atlanta, GA 30305
Special 12-Month Fixed Rate CD
$2,500
4.11%
▲ 0.83% above Georgia avg
▼
Rate4.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.28%▲ 0.83% above avgNationally 3.00%
Details
New money deposits required; $2,500 minimum opening deposit
Rate History
No change since Oct 14, 2026 · 4.11% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.82% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.28%▲ 0.82% above avgNationally 3.00%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
6160 Roswell Rd, Atlanta, GA 30328
12-Month CD
$1,000
4.10%
▲ 0.82% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.28%▲ 0.82% above avgNationally 3.00%
Details
Minimum balance to open and obtain APY is $1,000; valid for new clients or existing clients with a minimum of $25,000 in new money; early withdrawal penalty applies; APY accurate as of 09/24/2026; Open Online
Rate History
1 change since Sep 9, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
- Sep 27, 20264.10%▲ from 3.40%
- Sep 9, 20263.40%first recorded
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 12 Months
$1,000
4.07%
▲ 0.79% above Georgia avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 0.79% above avgNationally 3.00%
Details
Tenure: 15-19 Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.77% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.28%▲ 0.77% above avgNationally 3.00%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.72% above Georgia avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.28%▲ 0.72% above avgNationally 3.00%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
61 Forsyth St SW Ste 8B 70, Atlanta, GA 30303 8931
1 Year Share Certificates/CDs
$500
4.00%
▲ 0.72% above Georgia avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 0.72% above avgNationally 3.00%
Details
Promotional as-high-as rate; $500.00 and above; early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 15, 20264.00%▲ from 3.75%
- Sep 12, 20263.75%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
61 Forsyth St SW Ste 8B 70, Atlanta, GA 30303 8931
12 Month Share Certificate
$500
4.00%
▲ 0.72% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 0.72% above avgNationally 3.00%
Details
Payroll direct deposit required for promotional as-high-as rate (see footnote)
Rate History
1 change since Oct 4, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 15, 20264.00%▲ from 3.75%
- Oct 4, 20263.75%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1025 Virginia Ave, Atlanta, GA 30354 1319
12 Month Certificate of Deposit Accounts
$0
4.00%
▲ 0.72% above Georgia avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▲ 0.72% above avgNationally 3.00%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 9, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
1-Year Term CD
$1,000
4.00%
▲ 0.72% above Georgia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▲ 0.72% above avgNationally 3.00%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
Term CD - 1-Year
$1,000
4.00%
▲ 0.72% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▲ 0.72% above avgNationally 3.00%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
1 Year IRA Advantage Share Certificate
$1,000
3.90%
▲ 0.62% above Georgia avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 0.62% above avgNationally 3.00%
Details
IRA certificate; Advantage Certificate pays a premium dividend; monthly dividend; Effective September 28, 2026
Rate History
No change since Oct 15, 2026 · 3.90% APY
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
1 Year Loyalty Term Share Certificate
$0
3.90%
▲ 0.62% above Georgia avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 0.62% above avgNationally 3.00%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Sep 29, 20263.90%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
980 Johnson Ferry Rd, Atlanta, GA 30342
Share Certificate - 12 months
$0
3.85%
▲ 0.57% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 0.57% above avgNationally 3.00%
Details
90 day interest penalty for early withdrawal; Effective Date: 10/01/2026
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
1 Year CD
$200
3.85%
▲ 0.57% above Georgia avg
▼
Rate3.80%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▲ 0.57% above avgNationally 3.00%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
1 Year IRA CD
$200
3.85%
▲ 0.57% above Georgia avg
▼
Rate3.80%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▲ 0.57% above avgNationally 3.00%
Details
May be used for Traditional Individual Retirement Accounts; Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
1 Year Trust CD
$200
3.85%
▲ 0.57% above Georgia avg
▼
Rate3.80%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▲ 0.57% above avgNationally 3.00%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
Tax Factor 1 Year CD
$200
3.85%
▲ 0.57% above Georgia avg
▼
Rate3.85%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▲ 0.57% above avgNationally 3.00%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1968 Peachtree Rd NW Bldg 6, Atlanta, GA 30309 1281
Certificate - 12 Months
$1,000
3.85%
▲ 0.57% above Georgia avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▲ 0.57% above avgNationally 3.00%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
1 Year Term Share Certificate
$0
3.75%
▲ 0.47% above Georgia avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 0.47% above avgNationally 3.00%
Details
Effective September 28, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Sep 29, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6201 Powers Ferry Rd, Atlanta, GA 30339
12 Month Certificate
$0
3.70%
▲ 0.42% above Georgia avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▲ 0.42% above avgNationally 3.00%
Details
Balance: Over $50,000; Certificates of Deposit effective May 28, 2025
Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
1 Year Freedom Term Share Certificate
$0
3.65%
▲ 0.37% above Georgia avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 0.37% above avgNationally 3.00%
Details
Effective September 28, 2026
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
- Sep 29, 20263.65%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6201 Powers Ferry Rd, Atlanta, GA 30339
12 Month Certificate
$0
3.60%
▲ 0.32% above Georgia avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▲ 0.32% above avgNationally 3.00%
Details
Certificates of Deposit effective May 28, 2025
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 12 Months
$1,000
3.56%
▲ 0.28% above Georgia avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 0.28% above avgNationally 3.00%
Details
Tenure: 10-14 Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
670 Metropolitan Pkwy SW, Atlanta, GA 30310
Share and IRA Certificate - 12 months
$500
3.56%
▲ 0.28% above Georgia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▲ 0.28% above avgNationally 3.00%
Details
Dividends are compounded and credited quarterly.
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3525 Piedmont Rd Ne, Atlanta, GA 30305
12 Month CD
$500
3.50%
▲ 0.22% above Georgia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 0.22% above avgNationally 3.00%
Details
Also available for IRA CDs; penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
400 Whitehall St SW, Atlanta, GA 30303
12 Month Certificate of Deposit
$1,000
3.35%
▲ 0.07% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▲ 0.07% above avgNationally 3.00%
Details
Featured CD rate; APY accurate as of last dividend declaration; Rates effective as of 10.19.26
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 2 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
400 Whitehall St SW, Atlanta, GA 30303
12 Month Certificates of Deposit
$1,000
3.35%
▲ 0.07% above Georgia avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▲ 0.07% above avgNationally 3.00%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; Penalty will be imposed for early withdrawal; Dividends compounded monthly
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 2 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
1 Year Business CD
$0
3.31%
▲ 0.03% above Georgia avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.28%▲ 0.03% above avgNationally 3.00%
Details
Balance: $250,000 - and above
Rate History
No change since Sep 11, 2026 · 3.31% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
1 Year CD
$0
3.31%
▲ 0.03% above Georgia avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.28%▲ 0.03% above avgNationally 3.00%
Details
Balance: $250,000 - and above
Rate History
No change since Oct 7, 2026 · 3.31% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
12 Month Jumbo Share Certificate
$100,000
3.31%
▲ 0.03% above Georgia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 0.03% above avgNationally 3.00%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.31% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
12 Month Traditional Jumbo Share Certificate
$100,000
3.31%
▲ 0.03% above Georgia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 0.03% above avgNationally 3.00%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge Relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 15, 2026 · 3.31% APY
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 12 Months
$1,000
3.30%
▲ 0.02% above Georgia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▲ 0.02% above avgNationally 3.00%
Details
Tenure: 15-19 Yrs; Active Checking: No
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
303 Peachtree St Ne, Atlanta, GA 30308
12 Month CD Special
$0
3.25%
▼ 0.03% below Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▼ 0.03% below avgNationally 3.00%
Details
Featured rate on select new CD accounts with balances of $100,000 and above; APY accurate as of 7/28/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
12 Month Certificate
$10,000
3.25%
▼ 0.03% below Georgia avg
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▼ 0.03% below avgNationally 3.00%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
IRA Certificate Plus - 12 Months
$10,000
3.25%
▼ 0.03% below Georgia avg
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▼ 0.03% below avgNationally 3.00%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Oct 19, 2026 · 3.25% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
Share Certificate (CD) - 12 Months
$1,000
3.25%
▼ 0.03% below Georgia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▼ 0.03% below avgNationally 3.00%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
Share Certificate - 12 Months
$10,000
3.25%
▼ 0.03% below Georgia avg
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.28%▼ 0.03% below avgNationally 3.00%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
12 Month Share Certificate
$500
3.21%
▼ 0.07% below Georgia avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▼ 0.07% below avgNationally 3.00%
Details
Includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
- Oct 15, 20263.21%▼ from 3.31%
- Sep 25, 20263.31%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
12 Month Traditional Share Certificate
$500
3.21%
▼ 0.07% below Georgia avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▼ 0.07% below avgNationally 3.00%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 15, 2026 · 3.21% APY
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
1 Year Business CD
$0
3.06%
▼ 0.22% below Georgia avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.28%▼ 0.22% below avgNationally 3.00%
Details
Balance: $0.01 - $249,999.99
Rate History
No change since Sep 11, 2026 · 3.06% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
1 Year CD
$0
3.06%
▼ 0.22% below Georgia avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.28%▼ 0.22% below avgNationally 3.00%
Details
Balance: $0.01 - $249,999.99
Rate History
No change since Oct 7, 2026 · 3.06% APY · checked 2 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 12 Months
$1,000
3.04%
▼ 0.24% below Georgia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▼ 0.24% below avgNationally 3.00%
Details
Tenure: 5-9 Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 3.04% APY · checked 2 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 12 Months
$1,000
2.78%
▼ 0.50% below Georgia avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.28%▼ 0.50% below avgNationally 3.00%
Details
Tenure: 0-4 Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 2.78% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
12 Month Certificate of Deposit
$500
2.00%
▼ 1.28% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.28%▼ 1.28% below avgNationally 3.00%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2427 Gresham Rd Se, Atlanta, GA 30316
Certificate of Deposit 1 Year
$500
2.00%
▼ 1.28% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.28%▼ 1.28% below avgNationally 3.00%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2427 Gresham Rd Se, Atlanta, GA 30316
IRA 1 Year
$500
2.00%
▼ 1.28% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.28%▼ 1.28% below avgNationally 3.00%
Details
Rate History
No change since Oct 14, 2026 · 2.00% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
171 17th St Nw, Atlanta, GA 30363
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.77% below Georgia avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.28%▼ 1.77% below avgNationally 3.00%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 3 times
Atlanta 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
6160 Roswell Rd, Atlanta, GA 30328
18-Month CD
$1,000
4.20%
▲ 1.17% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.03%▲ 1.17% above avgNationally 2.88%
Details
Minimum balance to open and obtain APY is $1,000; valid for new clients or existing clients with a minimum of $25,000 in new money; early withdrawal penalty applies; APY accurate as of 09/24/2026; Open Online
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.12% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.03%▲ 1.12% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 1.07% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.03%▲ 1.07% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
400 Whitehall St SW, Atlanta, GA 30303
18 Month Certificate of Deposit
$1,000
4.00%
▲ 0.97% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.97% above avgNationally 2.88%
Details
Featured CD rate; APY accurate as of last dividend declaration; Rates effective as of 10.19.26
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
400 Whitehall St SW, Atlanta, GA 30303
18 Month Certificates of Deposit
$1,000
4.00%
▲ 0.97% above Georgia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.97% above avgNationally 2.88%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; Penalty will be imposed for early withdrawal; Dividends compounded monthly
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
Certificates of Deposit (CDs) - 18 Months
$500
3.95%
▲ 0.92% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.92% above avgNationally 2.88%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.67% above Georgia avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.03%▲ 0.67% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1968 Peachtree Rd NW Bldg 6, Atlanta, GA 30309 1281
Certificate - 18 Months
$1,000
3.65%
▲ 0.62% above Georgia avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.62% above avgNationally 2.88%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
670 Metropolitan Pkwy SW, Atlanta, GA 30310
Share and IRA Certificate - 18 months
$500
3.56%
▲ 0.53% above Georgia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.53% above avgNationally 2.88%
Details
Dividends are compounded and credited quarterly.
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3525 Piedmont Rd Ne, Atlanta, GA 30305
18 Month CD
$500
3.50%
▲ 0.47% above Georgia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.03%▲ 0.47% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
18 Month Jumbo Share Certificate
$100,000
3.41%
▲ 0.38% above Georgia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.03%▲ 0.38% above avgNationally 2.88%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.41% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
18 Month Traditional Jumbo Share Certificate
$100,000
3.41%
▲ 0.38% above Georgia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.03%▲ 0.38% above avgNationally 2.88%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge Relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 15, 2026 · 3.41% APY
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
980 Johnson Ferry Rd, Atlanta, GA 30342
Share Certificate - 18 months
$0
3.40%
▲ 0.37% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.03%▲ 0.37% above avgNationally 2.88%
Details
90 day interest penalty for early withdrawal; Effective Date: 10/01/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 9 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
18 Month Share Certificate
$500
3.31%
▲ 0.28% above Georgia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.03%▲ 0.28% above avgNationally 2.88%
Details
Includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 15, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
18 Month Traditional Share Certificate
$500
3.31%
▲ 0.28% above Georgia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.03%▲ 0.28% above avgNationally 2.88%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 15, 2026 · 3.31% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
18-Month Term CD
$1,000
2.75%
▼ 0.28% below Georgia avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▼ 0.28% below avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
Term CD - 18-Month
$1,000
2.75%
▼ 0.28% below Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▼ 0.28% below avgNationally 2.88%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
Regular Certificates Of Deposit - 18 Month CD
$500
1.25%
▼ 1.78% below Georgia avg
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.03%▼ 1.78% below avgNationally 2.88%
Details
Rate History
No change since Oct 15, 2026 · 1.25% APY
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
303 Peachtree St Ne, Atlanta, GA 30308
18 Month CD
$1,000
0.05%
▼ 2.98% below Georgia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.03%▼ 2.98% below avgNationally 2.88%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
18 Month Certificate of Deposit
$0
0.03%
▼ 3.00% below Georgia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.03%▼ 3.00% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 18 Months
$250
0.03%
▼ 3.00% below Georgia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.03%▼ 3.00% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
18 Month Certificate of Deposit
$0
0.02%
▼ 3.01% below Georgia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.03%▼ 3.01% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 18 Months
$250
0.02%
▼ 3.01% below Georgia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.03%▼ 3.01% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
18 Month Certificate of Deposit
$500
0.02%
▼ 3.01% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.03%▼ 3.01% below avgNationally 2.88%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
18 Month Certificate of Deposit
$0
0.01%
▼ 3.02% below Georgia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.03%▼ 3.02% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 18 Months
$250
0.01%
▼ 3.02% below Georgia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.03%▼ 3.02% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 18 Months
$0
4.45%
▲ 1.42% above Georgia avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.03%▲ 1.42% above avgNationally 2.88%
Details
Penalty: 120 Days
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 3 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 18 Months
$0
4.45%
▲ 1.42% above Georgia avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.03%▲ 1.42% above avgNationally 2.88%
Details
Tier: $500 Minimum; Penalty: 120 Days
Rate History
No change since Oct 12, 2026 · 4.45% APY · checked 2 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 18 Month Certificate
$500
4.40%
▲ 1.37% above Georgia avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 1.37% above avgNationally 2.88%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.40% APY
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 Month Business Share Certificate
$1,000
4.25%
▲ 1.22% above Georgia avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.03%▲ 1.22% above avgNationally 2.88%
Details
$1,000 minimum opening deposit required; penalty applies for early withdrawal
Rate History
1 change since Oct 8, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 15, 20264.25%▲ from 4.00%
- Oct 8, 20264.00%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificates - 18 Months
$1,000
4.25%
▲ 1.22% above Georgia avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.03%▲ 1.22% above avgNationally 2.88%
Details
Dividend Rate 4.18%; early withdrawal penalty applies
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Share Certificate
$500
4.15%
▲ 1.12% above Georgia avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 1.12% above avgNationally 2.88%
Details
Dividend rate 4.09%; $500 minimum deposit required on all certificates; compounded quarterly
Rate History
No change since Oct 10, 2026 · 4.15% APY · checked 2 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.80%
▲ 0.77% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.77% above avgNationally 2.88%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 0.77% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.77% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80%
▲ 0.77% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.77% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80%
▲ 0.77% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.77% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
$0
3.80%
▲ 0.77% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.77% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.80%
▲ 0.77% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.77% above avgNationally 2.88%
Details
Rewards APY
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 19, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA 18-Month Certificate
$0
3.66%
▲ 0.63% above Georgia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.63% above avgNationally 2.88%
Details
IRA Certificate; Dividend Rate 3.60%
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 10 times
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18-Month Jumbo CD
$0
3.61%
▲ 0.58% above Georgia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.58% above avgNationally 2.88%
Details
Jumbo CD; Minimum Deposit required, call CORE Credit Union for more details
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 8 times
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
CD 18-Month
$0
3.61%
▲ 0.58% above Georgia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.58% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 9 times
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
18 Month Certificate
$500
3.50%
▲ 0.47% above Georgia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.03%▲ 0.47% above avgNationally 2.88%
Details
Fixed rate; $500.00 minimum to open and obtain APY
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Share Certificate 18 Months
$0
3.50%
▲ 0.47% above Georgia avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.47% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 18 Months IRA
$0
3.50%
▲ 0.47% above Georgia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.47% above avgNationally 2.88%
Details
IRA
Rate History
No change since Oct 19, 2026 · 3.50% APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 18 Month
$0
3.50%
▲ 0.47% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.47% above avgNationally 2.88%
Details
Regular Accounts minimum balance to earn APY; Education Savings: N/A; Roth or Traditional IRAs: N/A
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
18 Month Share Certificate
$500
3.35%
▲ 0.32% above Georgia avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.32% above avgNationally 2.88%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Member Merits (Gold) 18 Month Certificate
$0
3.30%
▲ 0.27% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.27% above avgNationally 2.88%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Certificate
$0
3.25%
▲ 0.22% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.22% above avgNationally 2.88%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Certificate of Deposit - 18 Month Certificate
$0
3.25%
▲ 0.22% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.22% above avgNationally 2.88%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
18-Month Term Share Certificate
$500
3.25%
▲ 0.22% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.03%▲ 0.22% above avgNationally 2.88%
Details
Dividends compounded quarterly; dividends credited quarterly; dividend period quarterly
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 3 times
Atlanta 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
2 Year CD
$200
4.00%
▲ 0.99% above Georgia avg
▼
Rate3.94%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▲ 0.99% above avgNationally 2.90%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 9, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
2 Year IRA CD
$200
4.00%
▲ 0.99% above Georgia avg
▼
Rate3.94%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▲ 0.99% above avgNationally 2.90%
Details
May be used for Traditional Individual Retirement Accounts; Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 9, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
2 Year Trust CD
$200
4.00%
▲ 0.99% above Georgia avg
▼
Rate3.94%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▲ 0.99% above avgNationally 2.90%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 9, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
Certificates of Deposit (CDs) - 24 Months
$500
3.85%
▲ 0.84% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▲ 0.84% above avgNationally 2.90%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.69% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.01%▲ 0.69% above avgNationally 2.90%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.65% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.01%▲ 0.65% above avgNationally 2.90%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
61 Forsyth St SW Ste 8B 70, Atlanta, GA 30303 8931
2 Year Share Certificates/CDs
$500
3.65%
▲ 0.64% above Georgia avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▲ 0.64% above avgNationally 2.90%
Details
Promotional as-high-as rate; $500.00 and above; early withdrawal penalty applies
Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 8 times
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
61 Forsyth St SW Ste 8B 70, Atlanta, GA 30303 8931
24 Month Share Certificate
$500
3.65%
▲ 0.64% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▲ 0.64% above avgNationally 2.90%
Details
Payroll direct deposit required for promotional as-high-as rate (see footnote)
Rate History
No change since Oct 4, 2026 · 3.65% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.59% above Georgia avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.01%▲ 0.59% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
2 Year Business CD
$0
3.57%
▲ 0.56% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.01%▲ 0.56% above avgNationally 2.90%
Details
Balance: $250,000 - and above
Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
2 Year CD
$0
3.57%
▲ 0.56% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.01%▲ 0.56% above avgNationally 2.90%
Details
Balance: $250,000 - and above
Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
670 Metropolitan Pkwy SW, Atlanta, GA 30310
Share and IRA Certificate - 24 months
$500
3.56%
▲ 0.55% above Georgia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▲ 0.55% above avgNationally 2.90%
Details
Dividends are compounded and credited quarterly.
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3525 Piedmont Rd Ne, Atlanta, GA 30305
24 Month CD
$500
3.50%
▲ 0.49% above Georgia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▲ 0.49% above avgNationally 2.90%
Details
Also available for IRA CDs; penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
2 Year Loyalty Term Share Certificate
$0
3.50%
▲ 0.49% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▲ 0.49% above avgNationally 2.90%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 29, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1968 Peachtree Rd NW Bldg 6, Atlanta, GA 30309 1281
Certificate - 24 Months
$1,000
3.50%
▲ 0.49% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▲ 0.49% above avgNationally 2.90%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
24 Month Jumbo Share Certificate
$100,000
3.41%
▲ 0.40% above Georgia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▲ 0.40% above avgNationally 2.90%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.41% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
24 Month Traditional Jumbo Share Certificate
$100,000
3.41%
▲ 0.40% above Georgia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▲ 0.40% above avgNationally 2.90%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge Relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 15, 2026 · 3.41% APY
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1025 Virginia Ave, Atlanta, GA 30354 1319
24 Month Certificate of Deposit Accounts
$0
3.40%
▲ 0.39% above Georgia avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▲ 0.39% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30%
- Oct 9, 20263.40%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
2 Year Term Share Certificate
$0
3.35%
▲ 0.34% above Georgia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▲ 0.34% above avgNationally 2.90%
Details
Effective September 28, 2026
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
- Sep 29, 20263.35%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
980 Johnson Ferry Rd, Atlanta, GA 30342
Share Certificate - 24 months
$0
3.35%
▲ 0.34% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▲ 0.34% above avgNationally 2.90%
Details
90 day interest penalty for early withdrawal; Effective Date: 10/01/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 9 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6201 Powers Ferry Rd, Atlanta, GA 30339
2 Year Certificate
$0
3.35%
▲ 0.34% above Georgia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▲ 0.34% above avgNationally 2.90%
Details
Balance: Over $50,000; Certificates of Deposit effective May 28, 2025
Rate History
1 change since Oct 13, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
- Oct 19, 20263.35%▲ from 3.25%
- Oct 13, 20263.25%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
24 Month Share Certificate
$500
3.31%
▲ 0.30% above Georgia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▲ 0.30% above avgNationally 2.90%
Details
Includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 15, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
24 Month Traditional Share Certificate
$500
3.31%
▲ 0.30% above Georgia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▲ 0.30% above avgNationally 2.90%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 15, 2026 · 3.31% APY
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
2 Year Business CD
$0
3.30%
▲ 0.29% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.01%▲ 0.29% above avgNationally 2.90%
Details
Balance: $0.01 - $249,999.99
Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
2 Year CD
$0
3.30%
▲ 0.29% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.01%▲ 0.29% above avgNationally 2.90%
Details
Balance: $0.01 - $249,999.99
Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
Bond Community Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.24%
433 Moreland Ave NE, Atlanta, GA 30307 1562
24 Month CD Special
$500
3.29%
▲ 0.28% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▲ 0.28% above avgNationally 2.90%
Details
New Money Only (funds must come from another financial institution); Minimum deposit $500 or more; APY accurate as of 07/01/2026; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 8 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6201 Powers Ferry Rd, Atlanta, GA 30339
2 Year Certificate
$0
3.25%
▲ 0.24% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▲ 0.24% above avgNationally 2.90%
Details
Certificates of Deposit effective May 28, 2025
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
400 Whitehall St SW, Atlanta, GA 30303
24 Month Certificates of Deposit
$1,000
3.05%
▲ 0.04% above Georgia avg
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▲ 0.04% above avgNationally 2.90%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; Penalty will be imposed for early withdrawal; Dividends compounded monthly
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
24 Month Certificate
$10,000
3.00%
▼ 0.01% below Georgia avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▼ 0.01% below avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
IRA Certificate Plus - 24 Months
$10,000
3.00%
▼ 0.01% below Georgia avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▼ 0.01% below avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Oct 19, 2026 · 3.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
Share Certificate (CD) - 24 Months
$1,000
3.00%
▼ 0.01% below Georgia avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▼ 0.01% below avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
Share Certificate - 24 Months
$10,000
3.00%
▼ 0.01% below Georgia avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▼ 0.01% below avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2427 Gresham Rd Se, Atlanta, GA 30316
Certificate of Deposit 2 Year
$500
2.25%
▼ 0.76% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.01%▼ 0.76% below avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2427 Gresham Rd Se, Atlanta, GA 30316
IRA 2 Year
$500
2.25%
▼ 0.76% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.01%▼ 0.76% below avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 2.25% APY
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
Regular Certificates Of Deposit - 24 Month CD
$500
1.25%
▼ 1.76% below Georgia avg
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▼ 1.76% below avgNationally 2.90%
Details
Rate History
No change since Oct 15, 2026 · 1.25% APY
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
24 Month Jumbo CD
$100,000
1.00%
▼ 2.01% below Georgia avg
▼
Rate0.99%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▼ 2.01% below avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
2-Year Jumbo CD
$100,000
0.40%
▼ 2.61% below Georgia avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▼ 2.61% below avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
2-Year Term CD
$1,000
0.40%
▼ 2.61% below Georgia avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▼ 2.61% below avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
Term CD - 2-Year
$1,000
0.40%
▼ 2.61% below Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▼ 2.61% below avgNationally 2.90%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
2-Year RampUp Plus CD
$25,000
0.25%
▼ 2.76% below Georgia avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.01%▼ 2.76% below avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
2 Year Certificate of Deposit
$500
0.05%
▼ 2.96% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.01%▼ 2.96% below avgNationally 2.90%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
303 Peachtree St Ne, Atlanta, GA 30308
24 Month CD
$1,000
0.05%
▼ 2.96% below Georgia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▼ 2.96% below avgNationally 2.90%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
24 Month Certificate of Deposit
$0
0.03%
▼ 2.98% below Georgia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.01%▼ 2.98% below avgNationally 2.90%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 24 Months
$250
0.03%
▼ 2.98% below Georgia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.01%▼ 2.98% below avgNationally 2.90%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
24 Month Certificate of Deposit
$0
0.02%
▼ 2.99% below Georgia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.01%▼ 2.99% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 24 Months
$250
0.02%
▼ 2.99% below Georgia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.01%▼ 2.99% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
24 Month Certificate of Deposit
$0
0.01%
▼ 3.00% below Georgia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.01%▼ 3.00% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 24 Months
$250
0.01%
▼ 3.00% below Georgia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.01%▼ 3.00% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 24 Months
$0
4.50%
▲ 1.49% above Georgia avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▲ 1.49% above avgNationally 2.90%
Details
Penalty: 180 Days
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 3 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 24 Months
$0
4.50%
▲ 1.49% above Georgia avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average3.01%▲ 1.49% above avgNationally 2.90%
Details
Tier: $500 Minimum; Penalty: 180 Days
Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 2 times
Atlanta 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.34% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▲ 1.34% above avgNationally 2.82%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.29% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▲ 1.29% above avgNationally 2.82%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
Certificates of Deposit (CDs) - 36 Months
$500
3.75%
▲ 0.94% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.94% above avgNationally 2.82%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
3 Year Business CD
$0
3.57%
▲ 0.76% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.76% above avgNationally 2.82%
Details
Balance: $250,000 - and above
Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
3 Year CD
$0
3.57%
▲ 0.76% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.76% above avgNationally 2.82%
Details
Balance: $250,000 - and above
Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
61 Forsyth St SW Ste 8B 70, Atlanta, GA 30303 8931
3 Year Share Certificates/CDs
$500
3.50%
▲ 0.69% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.69% above avgNationally 2.82%
Details
Promotional as-high-as rate; $500.00 and above; early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15%
- Oct 15, 20263.50%▲ from 3.15%
- Sep 12, 20263.15%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
61 Forsyth St SW Ste 8B 70, Atlanta, GA 30303 8931
36 Month Share Certificate
$500
3.50%
▲ 0.69% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.69% above avgNationally 2.82%
Details
Payroll direct deposit required for promotional as-high-as rate (see footnote)
Rate History
1 change since Sep 12, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15%
- Oct 15, 20263.50%▲ from 3.15%
- Sep 12, 20263.15%first recorded
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1968 Peachtree Rd NW Bldg 6, Atlanta, GA 30309 1281
Certificate - 36 Months
$1,000
3.50%
▲ 0.69% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.69% above avgNationally 2.82%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
980 Johnson Ferry Rd, Atlanta, GA 30342
Share Certificate - 36 months
$0
3.35%
▲ 0.54% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.54% above avgNationally 2.82%
Details
90 day interest penalty for early withdrawal; Effective Date: 10/01/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 9 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
36 Month Jumbo Share Certificate
$100,000
3.31%
▲ 0.50% above Georgia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.50% above avgNationally 2.82%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.31% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
36 Month Traditional Jumbo Share Certificate
$100,000
3.31%
▲ 0.50% above Georgia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.50% above avgNationally 2.82%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge Relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 15, 2026 · 3.31% APY
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
3 Year Business CD
$0
3.30%
▲ 0.49% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.82%
Details
Balance: $0.01 - $249,999.99
Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
3 Year CD
$0
3.30%
▲ 0.49% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.82%
Details
Balance: $0.01 - $249,999.99
Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
670 Metropolitan Pkwy SW, Atlanta, GA 30310
Share and IRA Certificate - 36 months
$500
3.30%
▲ 0.49% above Georgia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.82%
Details
Dividends are compounded and credited quarterly.
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
36 Month Share Certificate
$500
3.21%
▲ 0.40% above Georgia avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.40% above avgNationally 2.82%
Details
Includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
- Oct 15, 20263.21%▼ from 3.31%
- Sep 25, 20263.31%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
36 Month Traditional Share Certificate
$500
3.21%
▲ 0.40% above Georgia avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.40% above avgNationally 2.82%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 15, 2026 · 3.21% APY
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
3 Year Loyalty Term Share Certificate
$0
3.20%
▲ 0.39% above Georgia avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.39% above avgNationally 2.82%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
3 Year CD
$200
3.15%
▲ 0.34% above Georgia avg
▼
Rate3.11%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.34% above avgNationally 2.82%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
3 Year IRA CD
$200
3.15%
▲ 0.34% above Georgia avg
▼
Rate3.11%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.34% above avgNationally 2.82%
Details
May be used for Traditional Individual Retirement Accounts; Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1025 Virginia Ave, Atlanta, GA 30354 1319
36 Month Certificate of Deposit Accounts
$0
3.10%
▲ 0.29% above Georgia avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.29% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 9, 20263.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 36 Months
$1,000
3.04%
▲ 0.23% above Georgia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.23% above avgNationally 2.82%
Details
Tenure: 20+ Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 3.04% APY · checked 2 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
3 Year Term Share Certificate
$0
3.00%
▲ 0.19% above Georgia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.19% above avgNationally 2.82%
Details
Effective September 28, 2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
400 Whitehall St SW, Atlanta, GA 30303
36 Month Certificates of Deposit
$1,000
3.00%
▲ 0.19% above Georgia avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.19% above avgNationally 2.82%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; Penalty will be imposed for early withdrawal; Dividends compounded monthly
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
36 Month Certificate
$10,000
3.00%
▲ 0.19% above Georgia avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.19% above avgNationally 2.82%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
IRA Certificate Plus - 36 Months
$10,000
3.00%
▲ 0.19% above Georgia avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.19% above avgNationally 2.82%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Oct 19, 2026 · 3.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
Share Certificate (CD) - 36 Months
$1,000
3.00%
▲ 0.19% above Georgia avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.19% above avgNationally 2.82%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
Share Certificate - 36 Months
$10,000
3.00%
▲ 0.19% above Georgia avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.19% above avgNationally 2.82%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 36 Months
$1,000
2.53%
▼ 0.28% below Georgia avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 0.28% below avgNationally 2.82%
Details
Tenure: 15-19 Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 2.53% APY · checked 2 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 36 Months
$1,000
2.02%
▼ 0.79% below Georgia avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 0.79% below avgNationally 2.82%
Details
Tenure: 10-14 Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 2.02% APY · checked 2 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 36 Months
$1,000
1.76%
▼ 1.05% below Georgia avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 1.05% below avgNationally 2.82%
Details
Tenure: 15-19 Yrs; Active Checking: No
Rate History
No change since Oct 8, 2026 · 1.76% APY · checked 2 times
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3525 Piedmont Rd Ne, Atlanta, GA 30305
36 Month CD
$500
1.75%
▼ 1.06% below Georgia avg
▼
Rate1.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 1.06% below avgNationally 2.82%
Details
Also available for IRA CDs; penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 36 Months
$1,000
1.51%
▼ 1.30% below Georgia avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 1.30% below avgNationally 2.82%
Details
Tenure: 5-9 Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2427 Gresham Rd Se, Atlanta, GA 30316
Certificate of Deposit 3 Year
$500
1.40%
▼ 1.41% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 1.41% below avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2427 Gresham Rd Se, Atlanta, GA 30316
IRA 3 Year
$500
1.40%
▼ 1.41% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 1.41% below avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 1.40% APY
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 36 Months
$1,000
1.26%
▼ 1.55% below Georgia avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 1.55% below avgNationally 2.82%
Details
Tenure: 0-4 Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 1.26% APY · checked 2 times
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
Regular Certificates Of Deposit - 36 Month CD
$500
1.25%
▼ 1.56% below Georgia avg
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 1.56% below avgNationally 2.82%
Details
Rate History
No change since Oct 15, 2026 · 1.25% APY
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
36 Month Jumbo CD
$100,000
1.00%
▼ 1.81% below Georgia avg
▼
Rate0.99%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 1.81% below avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
3-Year Jumbo CD
$100,000
0.40%
▼ 2.41% below Georgia avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▼ 2.41% below avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
3-Year Term CD
$1,000
0.40%
▼ 2.41% below Georgia avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▼ 2.41% below avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
Term CD - 3-Year
$1,000
0.40%
▼ 2.41% below Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▼ 2.41% below avgNationally 2.82%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
3-Year RampUp CD
$25,000
0.25%
▼ 2.56% below Georgia avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▼ 2.56% below avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
3 Year Certificate of Deposit
$500
0.05%
▼ 2.76% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 2.76% below avgNationally 2.82%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
303 Peachtree St Ne, Atlanta, GA 30308
36 Month CD
$1,000
0.05%
▼ 2.76% below Georgia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 2.76% below avgNationally 2.82%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
36 Month Certificate of Deposit
$0
0.03%
▼ 2.78% below Georgia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 2.78% below avgNationally 2.82%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 36 Months
$250
0.03%
▼ 2.78% below Georgia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 2.78% below avgNationally 2.82%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
36 Month Certificate of Deposit
$0
0.02%
▼ 2.79% below Georgia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 2.79% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 36 Months
$250
0.02%
▼ 2.79% below Georgia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 2.79% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
36 Month Certificate of Deposit
$0
0.01%
▼ 2.80% below Georgia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 2.80% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 36 Months
$250
0.01%
▼ 2.80% below Georgia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 2.80% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 36 Months
$0
4.60%
▲ 1.79% above Georgia avg
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 1.79% above avgNationally 2.82%
Details
Penalty: 180 Days
Rate History
No change since Oct 8, 2026 · 4.60% APY · checked 3 times
Atlanta 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
61 Forsyth St SW Ste 8B 70, Atlanta, GA 30303 8931
4 Year Share Certificates/CDs
$500
4.50%
▲ 1.78% above Georgia avg
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▲ 1.78% above avgNationally 2.82%
Details
Promotional as-high-as rate; $500.00 and above; early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.15% → 4.50% ▲ 1.35 pts · high 4.50% / low 3.15%
- Oct 4, 20264.50%▲ from 3.15%
- Sep 12, 20263.15%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
61 Forsyth St SW Ste 8B 70, Atlanta, GA 30303 8931
48 Month Share Certificate
$500
4.50%
▲ 1.78% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▲ 1.78% above avgNationally 2.82%
Details
As-high-as rate; requires direct deposit; rate effective 9/28/2026; subject to change without notice
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
Certificates of Deposit (CDs) - 48 Months
$500
3.85%
▲ 1.13% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 1.13% above avgNationally 2.82%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
4 Year Business CD
$0
3.57%
▲ 0.85% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.72%▲ 0.85% above avgNationally 2.82%
Details
Balance: $250,000 - and above
Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
4 Year CD
$0
3.57%
▲ 0.85% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.72%▲ 0.85% above avgNationally 2.82%
Details
Balance: $250,000 - and above
Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1968 Peachtree Rd NW Bldg 6, Atlanta, GA 30309 1281
Certificate - 48 Months
$1,000
3.50%
▲ 0.78% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 0.78% above avgNationally 2.82%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
4 Year Business CD
$0
3.30%
▲ 0.58% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.72%▲ 0.58% above avgNationally 2.82%
Details
Balance: $0.01 - $249,999.99
Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
4 Year CD
$0
3.30%
▲ 0.58% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.72%▲ 0.58% above avgNationally 2.82%
Details
Balance: $0.01 - $249,999.99
Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
4 Year Loyalty Term Share Certificate
$0
3.30%
▲ 0.58% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▲ 0.58% above avgNationally 2.82%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
400 Whitehall St SW, Atlanta, GA 30303
48 Month Certificates of Deposit
$1,000
3.25%
▲ 0.53% above Georgia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 0.53% above avgNationally 2.82%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; Penalty will be imposed for early withdrawal; Dividends compounded monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
48 Month Jumbo Share Certificate
$100,000
3.21%
▲ 0.49% above Georgia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▲ 0.49% above avgNationally 2.82%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.21% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
48 Month Traditional Jumbo Share Certificate
$100,000
3.21%
▲ 0.49% above Georgia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▲ 0.49% above avgNationally 2.82%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge Relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 15, 2026 · 3.21% APY
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
4 Year CD
$200
3.15%
▲ 0.43% above Georgia avg
▼
Rate3.11%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 0.43% above avgNationally 2.82%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
4 Year IRA CD
$200
3.15%
▲ 0.43% above Georgia avg
▼
Rate3.11%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 0.43% above avgNationally 2.82%
Details
May be used for Traditional Individual Retirement Accounts; Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
48 Month Share Certificate
$500
3.11%
▲ 0.39% above Georgia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▲ 0.39% above avgNationally 2.82%
Details
Includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 15, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
48 Month Traditional Share Certificate
$500
3.11%
▲ 0.39% above Georgia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▲ 0.39% above avgNationally 2.82%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 15, 2026 · 3.11% APY
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
4 Year Term Share Certificate
$0
3.10%
▲ 0.38% above Georgia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▲ 0.38% above avgNationally 2.82%
Details
Effective September 28, 2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
670 Metropolitan Pkwy SW, Atlanta, GA 30310
Share and IRA Certificate - 48 months
$500
3.04%
▲ 0.32% above Georgia avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 0.32% above avgNationally 2.82%
Details
Dividends are compounded and credited quarterly.
Rate History
No change since Oct 13, 2026 · 3.04% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
48 Month Certificate
$10,000
2.75%
▲ 0.03% above Georgia avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 0.03% above avgNationally 2.82%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
IRA Certificate Plus - 48 Months
$10,000
2.75%
▲ 0.03% above Georgia avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 0.03% above avgNationally 2.82%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Oct 19, 2026 · 2.75% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
Share Certificate (CD) - 48 Months
$1,000
2.75%
▲ 0.03% above Georgia avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 0.03% above avgNationally 2.82%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
Share Certificate - 48 Months
$10,000
2.75%
▲ 0.03% above Georgia avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 0.03% above avgNationally 2.82%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3525 Piedmont Rd Ne, Atlanta, GA 30305
48 Month CD
$500
1.95%
▼ 0.77% below Georgia avg
▼
Rate1.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▼ 0.77% below avgNationally 2.82%
Details
Also available for IRA CDs; penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 7 times
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
Regular Certificates Of Deposit - 48 Month CD
$500
1.25%
▼ 1.47% below Georgia avg
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▼ 1.47% below avgNationally 2.82%
Details
Rate History
No change since Oct 15, 2026 · 1.25% APY
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2427 Gresham Rd Se, Atlanta, GA 30316
Certificate of Deposit 4 Year
$500
1.15%
▼ 1.57% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.72%▼ 1.57% below avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2427 Gresham Rd Se, Atlanta, GA 30316
IRA 4 Year
$500
1.15%
▼ 1.57% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.72%▼ 1.57% below avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 1.15% APY
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
48 Month Jumbo CD
$100,000
1.00%
▼ 1.72% below Georgia avg
▼
Rate0.99%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▼ 1.72% below avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
4-Year Jumbo CD
$100,000
0.50%
▼ 2.22% below Georgia avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▼ 2.22% below avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
4-Year Term CD
$1,000
0.50%
▼ 2.22% below Georgia avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▼ 2.22% below avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
Term CD - 4-Year
$1,000
0.50%
▼ 2.22% below Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▼ 2.22% below avgNationally 2.82%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
4-Year RampUp CD
$50,000
0.25%
▼ 2.47% below Georgia avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▼ 2.47% below avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
4 Year Certificate of Deposit
$500
0.15%
▼ 2.57% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.72%▼ 2.57% below avgNationally 2.82%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
303 Peachtree St Ne, Atlanta, GA 30308
48 Month CD
$1,000
0.05%
▼ 2.67% below Georgia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▼ 2.67% below avgNationally 2.82%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
48 Month Certificate of Deposit
$0
0.03%
▼ 2.69% below Georgia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.72%▼ 2.69% below avgNationally 2.82%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 48 Months
$250
0.03%
▼ 2.69% below Georgia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.72%▼ 2.69% below avgNationally 2.82%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
48 Month Certificate of Deposit
$0
0.02%
▼ 2.70% below Georgia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.72%▼ 2.70% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 48 Months
$250
0.02%
▼ 2.70% below Georgia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.72%▼ 2.70% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
48 Month Certificate of Deposit
$0
0.01%
▼ 2.71% below Georgia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.72%▼ 2.71% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 48 Months
$250
0.01%
▼ 2.71% below Georgia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.72%▼ 2.71% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 48 Months
$0
4.70%
▲ 1.98% above Georgia avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▲ 1.98% above avgNationally 2.82%
Details
Penalty: 180 Days
Rate History
No change since Oct 8, 2026 · 4.70% APY · checked 3 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 48 Months
$0
4.70%
▲ 1.98% above Georgia avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.72%▲ 1.98% above avgNationally 2.82%
Details
Tier: $500 Minimum; Penalty: 180 Days
Rate History
No change since Oct 12, 2026 · 4.70% APY · checked 2 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
48 Month Share Certificate
$500
4.20%
▲ 1.48% above Georgia avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 1.48% above avgNationally 2.82%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
3.95%
▲ 1.23% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 1.23% above avgNationally 2.82%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Share Certificate 48 Months
$0
3.75%
▲ 1.03% above Georgia avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 1.03% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 Month IRA CD
$0
3.75%
▲ 1.03% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 1.03% above avgNationally 2.82%
Details
Balance: $500 and above; Retirement account (IRA)
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 19, 20263.75%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 Month Jumbo CD
$0
3.75%
▲ 1.03% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 1.03% above avgNationally 2.82%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 10, 20263.75%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 48 Month Certificate
$500
3.75%
▲ 1.03% above Georgia avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 1.03% above avgNationally 2.82%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 3.75% APY
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Standard CD - 48 mo. standard CD
$0
3.70%
▲ 0.98% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 0.98% above avgNationally 2.82%
Details
Tier Structure: $500 to $100,000
Rate History
No change since Oct 19, 2026 · 3.70% APY
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
IRA Certificate - 4 years
$1,000
3.65%
▲ 0.93% above Georgia avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.72%▲ 0.93% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
48 Month Share Certificate
$500
3.50%
▲ 0.78% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.72%▲ 0.78% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Atlanta 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 1.09% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▲ 1.09% above avgNationally 2.93%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2470 Briarcliff Rd NE, Atlanta, GA 30329
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 1.04% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▲ 1.04% above avgNationally 2.93%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
Certificates of Deposit (CDs) - 60 Months
$500
3.85%
▲ 1.04% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 1.04% above avgNationally 2.93%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
5 Year Business CD
$0
3.57%
▲ 0.76% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.76% above avgNationally 2.93%
Details
Balance: $250,000 - and above
Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
5 Year CD
$0
3.57%
▲ 0.76% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.76% above avgNationally 2.93%
Details
Balance: $250,000 - and above
Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1968 Peachtree Rd NW Bldg 6, Atlanta, GA 30309 1281
Certificate - 60 Months
$1,000
3.50%
▲ 0.69% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.69% above avgNationally 2.93%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
5 Year IRA Advantage Share Certificate
$1,000
3.40%
▲ 0.59% above Georgia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.59% above avgNationally 2.93%
Details
IRA certificate; Advantage Certificate pays a premium dividend; monthly dividend; Effective September 28, 2026
Rate History
No change since Oct 15, 2026 · 3.40% APY
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
5 Year Loyalty Term Share Certificate
$0
3.40%
▲ 0.59% above Georgia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.59% above avgNationally 2.93%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
5 Year Business CD
$0
3.30%
▲ 0.49% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.93%
Details
Balance: $0.01 - $249,999.99
Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
5 Year CD
$0
3.30%
▲ 0.49% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.93%
Details
Balance: $0.01 - $249,999.99
Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 60 Months
$1,000
3.30%
▲ 0.49% above Georgia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.93%
Details
Tenure: 20+ Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
5 Year CD
$200
3.25%
▲ 0.44% above Georgia avg
▼
Rate3.21%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.44% above avgNationally 2.93%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
5 Year IRA CD
$200
3.25%
▲ 0.44% above Georgia avg
▼
Rate3.21%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.44% above avgNationally 2.93%
Details
May be used for Traditional Individual Retirement Accounts; Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center, Atlanta, GA 30303
5 Year Trust CD
$200
3.25%
▲ 0.44% above Georgia avg
▼
Rate3.21%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.44% above avgNationally 2.93%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
400 Whitehall St SW, Atlanta, GA 30303
60 Month Certificates of Deposit
$1,000
3.25%
▲ 0.44% above Georgia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.44% above avgNationally 2.93%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; Penalty will be imposed for early withdrawal; Dividends compounded monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
60 Month Jumbo Share Certificate
$100,000
3.21%
▲ 0.40% above Georgia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.40% above avgNationally 2.93%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.21% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
60 Month Traditional Jumbo Share Certificate
$100,000
3.21%
▲ 0.40% above Georgia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.40% above avgNationally 2.93%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge Relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 15, 2026 · 3.21% APY
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW, Atlanta, GA 30311
5 Year Term Share Certificate
$0
3.15%
▲ 0.34% above Georgia avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.34% above avgNationally 2.93%
Details
Effective September 28, 2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1025 Virginia Ave, Atlanta, GA 30354 1319
60 Month Certificate of Deposit Accounts
$0
3.15%
▲ 0.34% above Georgia avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.34% above avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
60 Month Share Certificate
$500
3.11%
▲ 0.30% above Georgia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.30% above avgNationally 2.93%
Details
Includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 15, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
60 Month Traditional Share Certificate
$500
3.11%
▲ 0.30% above Georgia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 0.30% above avgNationally 2.93%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 15, 2026 · 3.11% APY
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
670 Metropolitan Pkwy SW, Atlanta, GA 30310
Share and IRA Certificate - 60 months
$500
3.04%
▲ 0.23% above Georgia avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 0.23% above avgNationally 2.93%
Details
Dividends are compounded and credited quarterly.
Rate History
No change since Oct 13, 2026 · 3.04% APY · checked 2 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 60 Months
$1,000
2.78%
▼ 0.03% below Georgia avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 0.03% below avgNationally 2.93%
Details
Tenure: 15-19 Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 2.78% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
60 Month Certificate
$10,000
2.75%
▼ 0.06% below Georgia avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▼ 0.06% below avgNationally 2.93%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
IRA Certificate Plus - 60 Months
$10,000
2.75%
▼ 0.06% below Georgia avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▼ 0.06% below avgNationally 2.93%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Oct 19, 2026 · 2.75% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
Share Certificate (CD) - 60 Months
$1,000
2.75%
▼ 0.06% below Georgia avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▼ 0.06% below avgNationally 2.93%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106
Share Certificate - 60 Months
$10,000
2.75%
▼ 0.06% below Georgia avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▼ 0.06% below avgNationally 2.93%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 60 Months
$1,000
2.27%
▼ 0.54% below Georgia avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 0.54% below avgNationally 2.93%
Details
Tenure: 10-14 Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 2.27% APY · checked 2 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 60 Months
$1,000
2.02%
▼ 0.79% below Georgia avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 0.79% below avgNationally 2.93%
Details
Tenure: 15-19 Yrs; Active Checking: No
Rate History
No change since Oct 8, 2026 · 2.02% APY · checked 2 times
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3525 Piedmont Rd Ne, Atlanta, GA 30305
60 Month CD
$500
2.00%
▼ 0.81% below Georgia avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 0.81% below avgNationally 2.93%
Details
Also available for IRA CDs; penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 60 Months
$1,000
1.76%
▼ 1.05% below Georgia avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 1.05% below avgNationally 2.93%
Details
Tenure: 5-9 Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 1.76% APY · checked 2 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2301 Parklake Dr NE, Atlanta, GA 30345 2912
Rewards Certificate 60 Months
$1,000
1.51%
▼ 1.30% below Georgia avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 1.30% below avgNationally 2.93%
Details
Tenure: 0-4 Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3333 Piedmont Rd Ne, Atlanta, GA 30305
60 Month Personal CD
$0
1.31%
▼ 1.50% below Georgia avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 1.50% below avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 1.31% APY
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2427 Gresham Rd Se, Atlanta, GA 30316
Certificate of Deposit 5 Year
$500
1.25%
▼ 1.56% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 1.56% below avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2427 Gresham Rd Se, Atlanta, GA 30316
IRA 5 Year
$500
1.25%
▼ 1.56% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 1.56% below avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 1.25% APY
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
Regular Certificates Of Deposit - 60 Month CD
$500
1.25%
▼ 1.56% below Georgia avg
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 1.56% below avgNationally 2.93%
Details
Rate History
No change since Oct 15, 2026 · 1.25% APY
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
60 Month Jumbo CD
$100,000
1.00%
▼ 1.81% below Georgia avg
▼
Rate0.99%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 1.81% below avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
5-Year Jumbo CD
$100,000
0.50%
▼ 2.31% below Georgia avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▼ 2.31% below avgNationally 2.93%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
5-Year Term CD
$1,000
0.50%
▼ 2.31% below Georgia avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▼ 2.31% below avgNationally 2.93%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3300 Cumberland Blvd Se, Atlanta, GA 30339
Term CD - 5-Year
$1,000
0.50%
▼ 2.31% below Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▼ 2.31% below avgNationally 2.93%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
303 Peachtree St Ne, Atlanta, GA 30308
60 Month CD
$1,000
0.05%
▼ 2.76% below Georgia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▼ 2.76% below avgNationally 2.93%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
60 Month Certificate of Deposit
$0
0.03%
▼ 2.78% below Georgia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 2.78% below avgNationally 2.93%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 60 Months
$250
0.03%
▼ 2.78% below Georgia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 2.78% below avgNationally 2.93%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
60 Month Certificate of Deposit
$0
0.02%
▼ 2.79% below Georgia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 2.79% below avgNationally 2.93%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 60 Months
$250
0.02%
▼ 2.79% below Georgia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 2.79% below avgNationally 2.93%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
60 Month Certificate of Deposit
$0
0.01%
▼ 2.80% below Georgia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 2.80% below avgNationally 2.93%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
75 5th St Nw, Atlanta, GA 30308
IRA CD - 60 Months
$250
0.01%
▼ 2.80% below Georgia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.81%▼ 2.80% below avgNationally 2.93%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 60 Months
$0
4.80%
▲ 1.99% above Georgia avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 1.99% above avgNationally 2.93%
Details
Penalty: 180 Days
Rate History
No change since Oct 8, 2026 · 4.80% APY · checked 3 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 60 Months
$0
4.80%
▲ 1.99% above Georgia avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Georgia Average2.81%▲ 1.99% above avgNationally 2.93%
Details
Tier: $500 Minimum; Penalty: 180 Days
Rate History
No change since Oct 12, 2026 · 4.80% APY · checked 2 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
60 Month Share Certificate
$500
4.20%
▲ 1.39% above Georgia avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.81%▲ 1.39% above avgNationally 2.93%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
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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.
Atlanta, GA CD Rate Trends
Compare local Atlanta, GA 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
3.285%
▲ 0.069 vs 7 days ago
Georgia 12-month CD rates rose 0.069 points over the past 7 days to 3.285% APY.
6-Month CD GA Avg
2.930%
▲ 0.018 vs 7 days ago
Georgia 6-month CD rates rose 0.018 points over the past 7 days to 2.930% APY.
As of Oct 20, 2026 • Rate data sourced from 8,500+ monitored institutions
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GA CD Rate Forecast, Next 12 Months
Where are Georgia CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
GA 12-Month Avg APY
3.285%
6-Month Forecast
3.285%
Range: 3.09%, 3.44%
12-Month Forecast
3.535%
Range: 3.34%, 3.69%
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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 | 1.680% | $84.01 | $168.02 | $420.05 | $840.10 |
| 6-Month CD | 2.930% | $146.50 | $293.00 | $732.50 | $1,465.00 |
| 12-Month CD | 3.285% | $164.24 | $328.48 | $821.20 | $1,642.40 |
| 18-Month CD | 3.026% | $151.28 | $302.55 | $756.38 | $1,512.75 |
| 24-Month CD | 3.005% | $150.26 | $300.51 | $751.28 | $1,502.55 |
| 36-Month CD | 2.810% | $140.48 | $280.96 | $702.40 | $1,404.80 |
| 48-Month CD | 2.722% | $136.10 | $272.20 | $680.50 | $1,361.00 |
| 60-Month CD | 2.806% | $140.28 | $280.56 | $701.40 | $1,402.80 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026. | |||||
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Sample CD Ladder for Atlanta, 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 | 1.680% | $84.01 |
| 2 | 6-Month CD | $5,000 | 2.930% | $146.50 |
| 3 | 12-Month CD | $5,000 | 3.285% | $164.24 |
| 4 | 24-Month CD | $5,000 | 3.005% | $150.26 |
| 5 | 36-Month CD | $5,000 | 2.810% | $140.48 |
| Total ($25,000 invested) | $25,000 | 2.742% blended | $685.49/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.
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708
CD Rates
Tracked in Atlanta, Georgia
Tracked in Atlanta, Georgia
23 Banks
48 Credit Unions
About Our Atlanta, Georgia CD Rate Database
MonitorBankRates tracks 708 CD rates from 23 banks and 48 credit unions with locations in Atlanta, 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 to 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: CDC Federal Credit Union offers a CD at 4.59% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Atlanta, Georgia.
How to Find the Best CD Rates in Atlanta, Georgia
What to compare when shopping for a CD in Atlanta, Georgia
To find the best APYs in Atlanta, Georgia, start with credit unions and online-only banks: Atlanta, Georgia has 48 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 Atlanta, 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 Atlanta, Georgia: 71 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Atlanta, Georgia savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Atlanta, Georgia money market rates
Atlanta, Georgia Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
12.3%
National avg: 17.3%
Median Individual Earnings
$55,760
National avg: $47,340
Poverty Rate
16.9%
National avg: 11.1%
Unemployment Rate
5.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$183/yr
At GA 12-mo avg 3.285% APY
12.3% of residents are 65 or older, below the national average of 17.3%. At today’s GA 12-month CD average of 3.285%, saving 10% of the local median salary ($5,576/year) and putting it in a CD would earn an additional $183 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 Atlanta, 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 to 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 |
How Certificates of Deposit Work in Atlanta, Georgia
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Atlanta, Georgia typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Atlanta, Georgia as everywhere in the U.S.
Choosing a CD Term in Atlanta, Georgia
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Atlanta, Georgia savers easier access to their funds. For example, City National Bank is offering its Special 6-Month Fixed Rate CD at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Navy Federal Credit Union is offering its 5 Year ESA Long-Term Certificate at 3.90% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Atlanta, Georgia Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Atlanta, Georgia saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Atlanta, Georgia
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Atlanta, Georgia CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Atlanta, Georgia
Most CDs carry a fixed rate that is locked for the entire term, protecting a Atlanta, Georgia depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Atlanta, Georgia
Are CD rates in Atlanta, Georgia FDIC insured?
Yes, most established banks in Atlanta, 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 Atlanta, 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 Atlanta, 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 Atlanta, 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 Atlanta, Georgia?
Here are recent top rates found for this area:
- CDC Federal Credit Union: 4.59% APY (Rewards Certificate 12 Months)
- Excel Federal Credit Union: 4.50% APY (4 Year Share Certificates/CDs)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Coastal States Bank (CSB): 4.20% APY (18-Month CD)
- City National Bank: 4.11% APY (Special 12-Month Fixed Rate CD)
- Associated Credit Union: 4.00% APY (2 Year CD)
- Family First Credit Union: 4.00% APY (6 Month Certificate)
- Delta Community Credit Union: 4.00% APY (12 Month Certificate of Deposit Accounts)
- Georgia United Credit Union: 4.00% APY (18 Month Certificate of Deposit)
- CIT Bank: 4.00% APY (1-Year Term CD)
Rates reflect recent verified offers available in Atlanta, Georgia. Last Updated: October 19, 2026
Atlanta, Georgia CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Atlanta, Georgia rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Atlanta, Georgia
Atlanta, Georgia CD Calculator
At today’s GA top rate of 4.59% APY, a $10,000 deposit earns $459 in the first year. Enter your amount to see your exact return.
Atlanta, Georgia CD LadderGA CD rates currently range from 1.680% (3-month) to 2.810% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Atlanta, Georgia CD at 4.59% APY, know your exit cost. Most institutions charge 90 to 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 3.285% 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
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Atlanta, Georgia CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Atlanta, 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 sourcing data 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 Atlanta, 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: October 19, 2026
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