A CD ladder involves opening multiple CDs with staggered maturity dates — for example, 3-month, 6-month, 1-year, and 2-year CDs. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

☰

iAdvertiser Disclosure Georgia CD Rate Trends

CD Rates Covington, Georgia (GA) for March 2026

Q: What are the best CD rates in Covington, Georgia?

Here are recent top rates found for this area: Atlanta Postal Credit Union : 3.70% APY (Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 24 Month) United Community Bank : 3.65% APY (6-month CD) Truist : 3.25% APY (12-month CD) Wells Fargo : 1.51% APY (1 year Standard Fixed Rate CD) P&S Credit Union : 5.00% APY (12 Month Share / IRA Certificate of Deposit-STUDENT Accounts) Autotruck Financial Credit Union : 4.06% APY (Share Certificate Accounts 6 Month) Excel Federal Credit Union : 4.00% APY (Share Certificates/CDs 1 year) Woori America Bank : 4.00% APY (WooriWON 3-month CD) Together Credit Union : 3.95% APY (6 Month Certificate of Deposit (IRA)) Harris Employees Credit Union : 3.92% APY (3 YEAR CERTIFICATE)

Q: Can I withdraw my money early from a CD?

You can, but most institutions charge an early withdrawal penalty — often a number of months of interest (e.g., 3 or 6 months). Specifics vary by institution.

Q: What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs typically require a higher minimum deposit (often $100,000 or more) and may offer slightly higher APYs than standard CDs available in Covington, Georgia.

Q: Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the entire term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start lower.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: March 28, 2026

Current Covington, Georgia CD rates include Atlanta Postal Credit UnionAtlanta Postal Credit Union9130 Hwy 278 NE, Covington, GA 30014A+5.0 ★Texas Ratio: 4.86% offering Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 24 Month at 3.70% APY, United Community BankUnited Community Bank9100 Covington Byp, Covington, GA 30014A+5.0 ★Texas Ratio: 3.01% offering 6-month CD at 3.65% APY, TruistTruist3110 Highway 278 Ne, Covington, GA 30014A+5.0 ★Texas Ratio: 3.63% offering 12-month CD at 3.25% APY, Wells FargoWells Fargo11160 Highway 142 N, Covington, GA 30014A5.0 ★Texas Ratio: 7.44% offering 1 year Standard Fixed Rate CD at 1.51% APY, and P&S Credit UnionP&S Credit Union1845 Satellite Blvd, Duluth, GA 30097A+5.0 ★Texas Ratio: 0.13% offering 12 Month Share / IRA Certificate of Deposit-STUDENT Accounts at 5.00% APY. CD rates as of March 28, 2026 according to verified data from MonitorBankRates.

To help you find the best CD rates in Covington, Georgia, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.

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: March 28, 2026

Compare Best CD Rates in Covington, Georgia & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

11160 Highway 142 N, Covington, GA 30014

3 month Standard Fixed Rate CD

$2,500

0.06%

View

▼

Rate0.06%

Min Deposit$2,500

Min Balance—

UpdatedMar 28, 2026

Details

$2,500 minimum opening deposit; Early withdrawal penalties may apply

Woori America Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.51%

3360 Satellite Blvd, Duluth, GA 30096

WooriWON 3-month CD

$1,000

4.00%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedMar 28, 2026

Details

This APY applies to only WooriWON 3-month CD product which is only available online.; Online Only

Austin Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.43%

5975 Shiloh Rd, Alpharetta, GA 30005

3 Month Certificate of Deposit

3.91%

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 21.76%

5800 Windward Pkwy, Alpharetta, GA 30005

3-Month Share Certificate

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

$100,000 Minimum to Earn APY

Seacoast National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.53%

8910 Main St, Woodstock, GA 30188

3-Month CD (Certificate of Deposit)

$1,000

3.25%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedMar 28, 2026

Details

CORE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

43 N Main St, Statesboro, GA 30458

3-Month CD

2.27%

View

▼

Rate2.25%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Southeastern Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.67%

3205 Mitchell Blvd, Moody AFB, GA 31699

3 Month Share Certificates

1.51%

View

▼

Rate1.50%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Autotruck Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

2900 Westside Pkwy, Alpharetta, GA 30004

Share Certificate Accounts 3 Month

1.26%

View

▼

Rate1.25%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Regular Accounts

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.17%

959 E Confederate Ave SE, Atlanta, GA 30316

3 month Share Certificate

$100,000

1.12%

View

▼

Rate1.11%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

505 Takeda Pkwy, Social Circle, GA 30025 4723

3-month term Standard CDs

0.60%

View

▼

Rate0.60%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Hyperion Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.37%

3525 Piedmont Rd Ne, Atlanta, GA 30305

3 Month CD

$500

0.50%

View

▼

Rate0.50%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Citizens Trust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.50%

965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314

90 Day CD

$500

0.03%

View

▼

Rate0.03%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

United Community Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.01%

9100 Covington Byp, Covington, GA 30014

6-month CD

$2,500

3.65%

View

▼

Rate—

Min Deposit$2,500

Min Balance—

UpdatedMar 28, 2026

Details

Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly; Subject to early withdrawal penalty; Automatically renews on the maturity date

Atlanta Postal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

9130 Hwy 278 NE, Covington, GA 30014

Jumbo Certificate Less Than 1 Year Account 6 Month

3.50%

View

▼

Rate3.47%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

11160 Highway 142 N, Covington, GA 30014

6 month Standard Fixed Rate CD

$2,500

0.06%

View

▼

Rate0.06%

Min Deposit$2,500

Min Balance—

UpdatedMar 28, 2026

Details

$2,500 minimum opening deposit; Early withdrawal penalties may apply

Autotruck Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

2900 Westside Pkwy, Alpharetta, GA 30004

Share Certificate Accounts 6 Month

4.06%

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Regular Accounts

P&S Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

1845 Satellite Blvd, Duluth, GA 30097

6 Month Share / IRA Certificate of Deposit

4.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Automatic Renewal

Together Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.65%

100 Busch Dr NE, Cartersville, GA 30121 7217

6 Month Certificate of Deposit (IRA)

3.95%

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Wings Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.78%

1897 Sullivan Rd, College Park, GA 30337 5701

6-Month Certificate

$500

3.90%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

New money only.

Coca Cola Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.05%

1 Coca Cola Plz NW, Atlanta, GA 30313 2420

6 MO. Certificates & IRA Certificates

$500

3.82%

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

FirstBank (TN)

Institution Rating:

A5.0 ★Texas Ratio: 6.39%

5063 Alabama Hwy, Ringgold, GA 30736

6 Month CD

3.80%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Security Federal Bank

Institution Rating:

A5.0 ★Texas Ratio: 7.11%

7004 Evans Town Center Blvd, Evans, GA 30809

6 Month CD

$500

3.75%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Rates available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit. The APY assumes interest remains on deposit until maturity. A penalty will be assessed for early withdrawal. Fees may reduce earnings.

Georgias Own Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 12.48%

5825 Windward Pkwy, Alpharetta, GA 30005 4182

6 Month Certificates of Deposit (CDs)

$500

3.62%

View

▼

Rate3.57%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Coastal States Bank (CSB)

Institution Rating:

A+5.0 ★Texas Ratio: 4.48%

70 Carlisle Rd, Dawsonville, GA 30534

6 Month CDs

$1,000

3.55%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedMar 28, 2026

Details

Austin Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.43%

5975 Shiloh Rd, Alpharetta, GA 30005

6 Month Certificate of Deposit

3.53%

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 21.76%

5800 Windward Pkwy, Alpharetta, GA 30005

6-Month Share Certificate

3.45%

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

$100,000 Minimum to Earn APY

Lanier Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

3718 Mundy Mill Rd, Oakwood, GA 30566 3417

Share Certificates 6 Month CD

$500

3.40%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Associated Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

6251 Crooked Creek Rd, Norcross, GA 30092 3107

6 Month CD

3.35%

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

CGR Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.09%

2040 Ingleside Ave, Macon, GA 31204

Share Certificate 6 Month

3.30%

View

▼

Rate3.26%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Workmens Circle Incorporated Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

527 Stephenson Ave, Savannah, GA 31405 5922

6 Month Share or IRA Certificate

$1,000

3.20%

View

▼

Rate3.16%

Min Deposit$1,000

Min Balance—

UpdatedMar 28, 2026

Details

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.17%

959 E Confederate Ave SE, Atlanta, GA 30316

6 month Share Certificate

$100,000

3.16%

View

▼

Rate3.12%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

First Arkansas Bank and Trust

Institution Rating:

B4.5 ★Texas Ratio: 21.26%

200 Chastain Center Blvd Nw, Kennesaw, GA 30144

6-MONTH cD

$500

2.95%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 6 months2

Georgia United Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.22%

500 N Indian Creek Dr, Clarkston, GA 30021 2362

6 Month Certificate of Deposit

$1,000

2.85%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedMar 28, 2026

Details

Geovista Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.12%

601 W Oglethorpe Hwy, Hinesville, GA 31313

6 Month Share Certificates

$500

1.51%

View

▼

Rate1.50%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

505 Takeda Pkwy, Social Circle, GA 30025 4723

6-month term Standard CDs

1.35%

View

▼

Rate1.34%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Robins Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.31%

853 N Houston Rd, Warner Robins, GA 31093 1501

6 Month Share Certificate

$500

1.00%

View

▼

Rate0.99%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Hyperion Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.37%

3525 Piedmont Rd Ne, Atlanta, GA 30305

6 Month CD

$500

0.90%

View

▼

Rate0.90%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Citizens Trust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.50%

965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314

6 Month CD

$500

0.03%

View

▼

Rate0.03%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

First Citizens Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

122 N Alexander St, Toccoa, GA 30577

6-month automatic saver CD

$500

0.01%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Atlanta Postal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

9130 Hwy 278 NE, Covington, GA 30014

Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 24 Month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Truist

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

3110 Highway 278 Ne, Covington, GA 30014

12-month CD

$1,000

3.25%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedMar 28, 2026

Details

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

11160 Highway 142 N, Covington, GA 30014

1 year Standard Fixed Rate CD

$2,500

1.51%

View

▼

Rate1.50%

Min Deposit$2,500

Min Balance—

UpdatedMar 28, 2026

Details

$2,500 minimum opening deposit; Early withdrawal penalties may apply

P&S Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

1845 Satellite Blvd, Duluth, GA 30097

12 Month Share / IRA Certificate of Deposit-STUDENT Accounts

5.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Automatic Renewal

Excel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.67%

5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587

Share Certificates/CDs 1 year

$500

4.00%

View

▼

Rate3.94%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

$500.00 and above; $500 is required to open the account and a minimum balance of $500 is required to earn the stated annual percentage yield. An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.

Delta Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.57%

1025 Virginia Ave, Atlanta, GA 30354 1319

IRA CDs 12 Month

3.85%

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Coca Cola Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.05%

1 Coca Cola Plz NW, Atlanta, GA 30313 2420

12 MO. Certificates & IRA Certificates

$500

3.82%

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Bank of Hope

Institution Rating:

A+5.0 ★Texas Ratio: 3.52%

3764 Old Norcross Rd, Duluth, GA 30096

12-month CD

3.80%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Limited time offer. Only available in our branches.

CORE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

43 N Main St, Statesboro, GA 30458

IRA Certificates 12-Month

3.76%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Publix Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.34%

3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478

JUMBO Regular & IRA Certificates 1 Year

$100,000

3.75%

View

▼

Rate3.70%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

Harris Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

315 W 12th Ave, Cordele, GA 31015 2333

1 YEAR CERTIFICATE

3.66%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Peach State Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.33%

40 E Pike St, Lawrenceville, GA 30046 4934

Loyalty Term Share Certificate (or CD) 1 Year Loyalty

$10,000

3.65%

View

▼

Rate3.59%

Min Deposit$10,000

Min Balance—

UpdatedMar 28, 2026

Details

5 Years of Membership

Georgias Own Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 12.48%

5825 Windward Pkwy, Alpharetta, GA 30005 4182

1 Year Certificates of Deposit (CDs)

$500

3.62%

View

▼

Rate3.57%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Associated Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

6251 Crooked Creek Rd, Norcross, GA 30092 3107

1 Year Business CD

3.60%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Geovista Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.12%

601 W Oglethorpe Hwy, Hinesville, GA 31313

12 Month Share Certificates

$500

3.56%

View

▼

Rate3.50%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Coweta Cities & County Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.01%

43 Jefferson Pkwy, Newnan, GA 30263 5813

1 year Regular Certificates

3.55%

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Credit Union of Georgia Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.89%

3048 Eagle Dr, Woodstock, GA 30189 5531

12 mo. IRA CD

$500

3.51%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Hyperion Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.37%

3525 Piedmont Rd Ne, Atlanta, GA 30305

12 Month CD

$500

3.50%

View

▼

Rate3.44%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Coastal States Bank (CSB)

Institution Rating:

A+5.0 ★Texas Ratio: 4.48%

70 Carlisle Rd, Dawsonville, GA 30534

12 Month CDs

$1,000

3.40%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedMar 28, 2026

Details

Georgia United Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.22%

500 N Indian Creek Dr, Clarkston, GA 30021 2362

12 Month Certificate of Deposit

$1,000

3.35%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedMar 28, 2026

Details

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.17%

959 E Confederate Ave SE, Atlanta, GA 30316

12 month Share Certificate

$100,000

3.31%

View

▼

Rate3.27%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

Metro Medical Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.65%

1845 Satellite Blvd, Duluth, GA 30097

IRA Certificates 1 year

$1,000

3.30%

View

▼

Rate3.30%

Min Deposit$1,000

Min Balance—

UpdatedMar 28, 2026

Details

Seacoast National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.53%

8910 Main St, Woodstock, GA 30188

12-Month CD (Certificate of Deposit)

$1,000

3.00%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedMar 28, 2026

Details

Valdosta Teachers Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.80%

102 E Force St, Valdosta, GA 31601 3904

Certificate Account 1 year

2.35%

View

▼

Rate2.35%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Minimum Opening Deposit - $1,000.00; Dividends Credited - At Maturity*; Dividend Period - Term of Account*; Dividends Compounded - At Maturity*; Additional Deposits - Not Allowed; Withdrawals - Allowed with Penalty

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

505 Takeda Pkwy, Social Circle, GA 30025 4723

12-month term Standard CDs

1.40%

View

▼

Rate1.39%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Citizens Trust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.50%

965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314

12 Month CD

$500

1.25%

View

▼

Rate1.24%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Robins Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.31%

853 N Houston Rd, Warner Robins, GA 31093 1501

1 Year Share Certificate

$500

1.15%

View

▼

Rate1.14%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

First Citizens Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

122 N Alexander St, Toccoa, GA 30577

1-year convertible CD

$500

0.01%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Qualifying balance up to $49,000.00

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

P&S Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

1845 Satellite Blvd, Duluth, GA 30097

18 Month Share / IRA Certificate of Deposit

3.95%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Automatic Renewal

Corporate America Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.64%

104 Town Blvd NE Ste A110, Brookhaven, GA 30319 3146

18-Month Share Certificate

$500

3.75%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Save more when you move at least $500 from another financial institution.

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 21.76%

5800 Windward Pkwy, Alpharetta, GA 30005

IRA Certificate Term 18-Month Variable

$100,000

3.72%

View

▼

Rate3.66%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

$100,000 Minimum to Earn APY

CORE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

43 N Main St, Statesboro, GA 30458

IRA Certificates 18-Month

3.66%

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Autotruck Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

2900 Westside Pkwy, Alpharetta, GA 30004

Share Certificate Accounts 18 Month

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Regular Accounts

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.17%

959 E Confederate Ave SE, Atlanta, GA 30316

18 month Share Certificate

$100,000

3.41%

View

▼

Rate3.37%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

505 Takeda Pkwy, Social Circle, GA 30025 4723

18-month term

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Together Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.65%

100 Busch Dr NE, Cartersville, GA 30121 7217

18 Month Certificate

3.25%

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

CGR Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.09%

2040 Ingleside Ave, Macon, GA 31204

Share Certificate 18 Month

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Southeastern Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.67%

3205 Mitchell Blvd, Moody AFB, GA 31699

18 Month Share Certificates

2.80%

View

▼

Rate2.77%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Robins Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.31%

853 N Houston Rd, Warner Robins, GA 31093 1501

18 Month Share Certificate

$500

2.35%

View

▼

Rate2.33%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Geovista Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.12%

601 W Oglethorpe Hwy, Hinesville, GA 31313

18 Month Share Certificates

$500

2.02%

View

▼

Rate2.00%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Citizens Trust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.50%

965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314

18 Month CD

$500

1.25%

View

▼

Rate1.24%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Atlanta Postal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

9130 Hwy 278 NE, Covington, GA 30014

Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 24 Month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

P&S Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

1845 Satellite Blvd, Duluth, GA 30097

24 Month Share / IRA Certificate of Deposit

4.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Automatic Renewal

Harris Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

315 W 12th Ave, Cordele, GA 31015 2333

2 YEAR CERTIFICATE

3.82%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Publix Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.34%

3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478

JUMBO Regular & IRA Certificates 2 Year

$100,000

3.60%

View

▼

Rate3.55%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

Hyperion Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.37%

3525 Piedmont Rd Ne, Atlanta, GA 30305

24 Month CD

$500

3.50%

View

▼

Rate3.44%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 21.76%

5800 Windward Pkwy, Alpharetta, GA 30005

24-Month Share Certificate

3.45%

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

$100,000 Minimum to Earn APY

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.17%

959 E Confederate Ave SE, Atlanta, GA 30316

24 month Share Certificate

$100,000

3.41%

View

▼

Rate3.37%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

Delta Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.57%

1025 Virginia Ave, Atlanta, GA 30354 1319

IRA CDs 24 Month

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Associated Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

6251 Crooked Creek Rd, Norcross, GA 30092 3107

2 Year Business CD

3.25%

View

▼

Rate3.21%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Credit Union of Georgia Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.89%

3048 Eagle Dr, Woodstock, GA 30189 5531

24 mo. standard CD

$500

3.20%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

The Southern Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.35%

430 Lanier Ave E, Fayetteville, GA 30214

2-Year IRA Certificate

$500

3.15%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

CGR Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.09%

2040 Ingleside Ave, Macon, GA 31204

Share Certificate 24 Month

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Georgias Own Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 12.48%

5825 Windward Pkwy, Alpharetta, GA 30005 4182

2 Year Certificates of Deposit (CDs)

$500

2.90%

View

▼

Rate2.87%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Geovista Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.12%

601 W Oglethorpe Hwy, Hinesville, GA 31313

24 Month Share Certificates

$500

2.84%

View

▼

Rate2.80%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Southeastern Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.67%

3205 Mitchell Blvd, Moody AFB, GA 31699

2 Year Share Certificates

2.75%

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

505 Takeda Pkwy, Social Circle, GA 30025 4723

24-month term Standard CDs

2.60%

View

▼

Rate2.57%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Kinetic Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.93%

1251 13th St, Columbus, GA 31901 2227

First-time Homebuyer Certificate 24-month term

$500

2.50%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Eligible for additional deposits throughout the certificate term; Maximum balance of $15,000; Limit one certificate per membership; Closing credit of $500 towards your mortgage closing with Kinetic

Robins Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.31%

853 N Houston Rd, Warner Robins, GA 31093 1501

2 Year Share Certificate

$500

2.40%

View

▼

Rate2.37%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Citizens Trust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.50%

965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314

24 Month CD

$500

1.25%

View

▼

Rate1.24%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

First Arkansas Bank and Trust

Institution Rating:

B4.5 ★Texas Ratio: 21.26%

200 Chastain Center Blvd Nw, Kennesaw, GA 30144

2-year cd

$500

0.65%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 2 years2

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Atlanta Postal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

9130 Hwy 278 NE, Covington, GA 30014

Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 36 Month

3.10%

View

▼

Rate3.05%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

P&S Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

1845 Satellite Blvd, Duluth, GA 30097

36 Month Share / IRA Certificate of Deposit

4.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Automatic Renewal

Harris Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

315 W 12th Ave, Cordele, GA 31015 2333

3 YEAR CERTIFICATE

3.92%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 21.76%

5800 Windward Pkwy, Alpharetta, GA 30005

IRA Certificate Term 36-Month Variable

$100,000

3.67%

View

▼

Rate3.61%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

$100,000 Minimum to Earn APY

Publix Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.34%

3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478

JUMBO Regular & IRA Certificates 3 Year

$100,000

3.55%

View

▼

Rate3.50%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.17%

959 E Confederate Ave SE, Atlanta, GA 30316

36 month Share Certificate

$100,000

3.31%

View

▼

Rate3.27%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

Autotruck Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

2900 Westside Pkwy, Alpharetta, GA 30004

Share Certificate Accounts 36 Month

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Regular Accounts

Credit Union of Georgia Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.89%

3048 Eagle Dr, Woodstock, GA 30189 5531

36 mo. IRA CD

$500

3.25%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Associated Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

6251 Crooked Creek Rd, Norcross, GA 30092 3107

3 Year CD

3.15%

View

▼

Rate3.11%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Delta Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.57%

1025 Virginia Ave, Atlanta, GA 30354 1319

IRA CDs 36 Month

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

CORE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

43 N Main St, Statesboro, GA 30458

IRA Certificates 36-Month

2.99%

View

▼

Rate2.95%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Geovista Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.12%

601 W Oglethorpe Hwy, Hinesville, GA 31313

36 Month Share Certificates

$500

2.94%

View

▼

Rate2.90%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Georgias Own Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 12.48%

5825 Windward Pkwy, Alpharetta, GA 30005 4182

3 Year Certificates of Deposit (CDs)

$500

2.90%

View

▼

Rate2.87%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Southeastern Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.67%

3205 Mitchell Blvd, Moody AFB, GA 31699

3 Year Share Certificates

2.75%

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Interstate Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.37%

705 W Cherry St, Jesup, GA 31545

36 Month Share/IRA Certificates

$1,000

2.60%

View

▼

Rate2.58%

Min Deposit$1,000

Min Balance—

UpdatedMar 28, 2026

Details

Robins Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.31%

853 N Houston Rd, Warner Robins, GA 31093 1501

3 Year Share Certificate

$500

2.55%

View

▼

Rate2.52%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

505 Takeda Pkwy, Social Circle, GA 30025 4723

36-month term Regular CDs

2.49%

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Hyperion Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.37%

3525 Piedmont Rd Ne, Atlanta, GA 30305

36 Month CD

$500

1.75%

View

▼

Rate1.73%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Citizens Trust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.50%

965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314

36 Month CD

$500

1.25%

View

▼

Rate1.24%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

First Arkansas Bank and Trust

Institution Rating:

B4.5 ★Texas Ratio: 21.26%

200 Chastain Center Blvd Nw, Kennesaw, GA 30144

3-year cd

$500

0.75%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 3 years2

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Atlanta Postal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

9130 Hwy 278 NE, Covington, GA 30014

Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 48 Month

3.10%

View

▼

Rate3.05%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

P&S Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

1845 Satellite Blvd, Duluth, GA 30097

48 Month Share One-Time Bump Certificates of Deposit

4.05%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Automatic Renewal to Regular Certificate

Autotruck Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

2900 Westside Pkwy, Alpharetta, GA 30004

Share Certificate Accounts 48 Month

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Regular Accounts

Credit Union of Georgia Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.89%

3048 Eagle Dr, Woodstock, GA 30189 5531

48 mo. IRA CD

$500

3.35%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Coca Cola Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.05%

1 Coca Cola Plz NW, Atlanta, GA 30313 2420

48 MO. Certificates & IRA Certificates

$500

3.30%

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Together Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.65%

100 Busch Dr NE, Cartersville, GA 30121 7217

48 Month Certificate

3.25%

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.17%

959 E Confederate Ave SE, Atlanta, GA 30316

48 month Share Certificate

$100,000

3.21%

View

▼

Rate3.17%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

Publix Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.34%

3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478

JUMBO Regular & IRA Certificates 4 Year

$100,000

3.19%

View

▼

Rate3.15%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

Associated Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

6251 Crooked Creek Rd, Norcross, GA 30092 3107

4 Year CD

3.15%

View

▼

Rate3.11%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Geovista Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.12%

601 W Oglethorpe Hwy, Hinesville, GA 31313

48 Month Share Certificates

$500

3.04%

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

CGR Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.09%

2040 Ingleside Ave, Macon, GA 31204

Share Certificate 48 Month

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Georgias Own Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 12.48%

5825 Windward Pkwy, Alpharetta, GA 30005 4182

4 Year Certificates of Deposit (CDs)

$500

2.90%

View

▼

Rate2.87%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Southeastern Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.67%

3205 Mitchell Blvd, Moody AFB, GA 31699

4 Year Share Certificates

2.75%

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

505 Takeda Pkwy, Social Circle, GA 30025 4723

48-month term Regular CDs

2.64%

View

▼

Rate2.61%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Interstate Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.37%

705 W Cherry St, Jesup, GA 31545

48 Month Share/IRA Certificates

$1,000

2.60%

View

▼

Rate2.58%

Min Deposit$1,000

Min Balance—

UpdatedMar 28, 2026

Details

CORE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

43 N Main St, Statesboro, GA 30458

48-Month Jumbo CD

2.58%

View

▼

Rate2.55%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Robins Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.31%

853 N Houston Rd, Warner Robins, GA 31093 1501

4 Year Share Certificate

$500

2.55%

View

▼

Rate2.52%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Hyperion Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.37%

3525 Piedmont Rd Ne, Atlanta, GA 30305

48 Month CD

$500

1.95%

View

▼

Rate1.93%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Citizens Trust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.50%

965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314

48 Month CD

$500

1.25%

View

▼

Rate1.24%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Atlanta Postal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

9130 Hwy 278 NE, Covington, GA 30014

Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 60 Month

3.10%

View

▼

Rate3.05%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

P&S Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

1845 Satellite Blvd, Duluth, GA 30097

60 Month Share One-Time Bump Certificates of Deposit

4.10%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Automatic Renewal to Regular Certificate

Autotruck Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

2900 Westside Pkwy, Alpharetta, GA 30004

Share Certificate Accounts 60 Month

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Regular Accounts

Publix Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.34%

3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478

JUMBO Regular & IRA Certificates 5 Year

$100,000

3.44%

View

▼

Rate3.40%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

Credit Union of Georgia Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.89%

3048 Eagle Dr, Woodstock, GA 30189 5531

60 mo. IRA CD

$500

3.35%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Coca Cola Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.05%

1 Coca Cola Plz NW, Atlanta, GA 30313 2420

60 MO. Certificates & IRA Certificates

$500

3.30%

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Associated Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

6251 Crooked Creek Rd, Norcross, GA 30092 3107

5 Year Business CD

3.25%

View

▼

Rate3.21%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.17%

959 E Confederate Ave SE, Atlanta, GA 30316

60 month Share Certificate

$100,000

3.21%

View

▼

Rate3.17%

Min Deposit$100,000

Min Balance—

UpdatedMar 28, 2026

Details

Delta Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.57%

1025 Virginia Ave, Atlanta, GA 30354 1319

IRA CDs 60 Month

3.15%

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

CGR Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.09%

2040 Ingleside Ave, Macon, GA 31204

Share Certificate 60 Month

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Georgias Own Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 12.48%

5825 Windward Pkwy, Alpharetta, GA 30005 4182

5 Year Certificates of Deposit (CDs)

$500

2.90%

View

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Rate2.87%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

505 Takeda Pkwy, Social Circle, GA 30025 4723

60-month term Regular CDs

2.84%

View

▼

Rate2.81%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Southeastern Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.67%

3205 Mitchell Blvd, Moody AFB, GA 31699

5 Year Share Certificates

2.75%

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Interstate Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.37%

705 W Cherry St, Jesup, GA 31545

60 Month Share/IRA Certificates

$1,000

2.60%

View

▼

Rate2.58%

Min Deposit$1,000

Min Balance—

UpdatedMar 28, 2026

Details

Robins Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.31%

853 N Houston Rd, Warner Robins, GA 31093 1501

5 Year Share Certificate

$500

2.55%

View

▼

Rate2.52%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

CORE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

43 N Main St, Statesboro, GA 30458

60-Month Jumbo CD

2.38%

View

▼

Rate2.35%

Min Deposit$0

Min Balance—

UpdatedMar 28, 2026

Details

Hyperion Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.37%

3525 Piedmont Rd Ne, Atlanta, GA 30305

60 Month CD

$500

2.00%

View

▼

Rate1.98%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Citizens Trust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.50%

965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314

60 Month CD

$500

1.25%

View

▼

Rate1.24%

Min Deposit$500

Min Balance—

UpdatedMar 28, 2026

Details

Disclaimer

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.

Covington, GA CD Rate Trends

Compare local Covington, GA CD rate quotes against the statewide average

Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Georgia CD Trends →

12-Month CD — GA Avg

2.608%

▼ 0.559 from last week

Georgia 12-month CD rates fell 0.559 points this week to 2.608% APY, down from 3.167% last week.

6-Month CD — GA Avg

1.463%

▼ 1.133 from last week

Georgia 6-month CD rates fell 1.133 points this week to 1.463% APY, down from 2.597% last week.

As of Mar 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Covington, Georgia

Are CD rates in Covington, Georgia FDIC insured?

Yes, most established banks in Covington, 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 Covington, 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 Covington, 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 Covington, 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 Covington, Georgia?

Here are recent top rates found for this area:

Atlanta Postal Credit Union: 3.70% APY (Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 24 Month)
United Community Bank: 3.65% APY (6-month CD)
Truist: 3.25% APY (12-month CD)
Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
P&S Credit Union: 5.00% APY (12 Month Share / IRA Certificate of Deposit-STUDENT Accounts)
Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts 6 Month)
Excel Federal Credit Union: 4.00% APY (Share Certificates/CDs 1 year)
Woori America Bank: 4.00% APY (WooriWON 3-month CD)
Together Credit Union: 3.95% APY (6 Month Certificate of Deposit (IRA))
Harris Employees Credit Union: 3.92% APY (3 YEAR CERTIFICATE)

Rates reflect recent verified offers available in Covington, Georgia. Last Updated: March 28, 2026

CD Calculators

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Covington, Georgia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Covington, 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: March 28, 2026

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