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CD Rate Trends

Georgia Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
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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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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Georgia CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Georgia CD rates include Platinum Federal Credit UnionPlatinum Federal Credit Union4794 Lawrenceville Hwy NW, Lilburn, GA 30047A+5.0 ★Texas Ratio: 1.89%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Family Legacy Certificate Account at 5.00% APY, P&S Credit UnionP&S Credit Union1845 Satellite Blvd, Duluth, GA 30097A+5.0 ★Texas Ratio: 0.10%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Certificate - STUDENT Accounts at 5.00% APY, Georgia Heritage Federal Credit UnionGeorgia Heritage Federal Credit Union1085 W Lathrop Ave, Savannah, GA 31415A+5.0 ★Texas Ratio: 2.12%Real return: +2.00%APY minus CPI (February 2026) offering IRA Certificate - 60 Months at 4.80% APY, CDC Federal Credit UnionCDC Federal Credit Union4770 Buford Hwy, Chamblee, GA 30341A+5.0 ★Texas Ratio: 2.99%Real return: +1.79%APY minus CPI (February 2026) offering 12 Month Rewards Certificate at 4.59% APY, and Austin Capital BankAustin Capital Bank5975 Shiloh Rd, Alpharetta, GA 30005A+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Georgia side-by-side. Georgia CD rates currently reach as high as 5.00% APY from Platinum Federal Credit Union at 4794 Lawrenceville Hwy NW, Lilburn, GA 30047. 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 13, 2026

Compare Best CD Rates in Georgia

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Georgia 3 Month CD Rates

MonitorBankRates Georgia Average · 3 Month CD1.86% APY▲ 0.02% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Georgia is 1.86% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
5975 Shiloh Rd, Alpharetta, GA 30005
3 Month CD
$1,000
4.58% ▲ 2.72% above Georgia avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average1.86%▲ 2.72% above avgNationally 2.09%
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%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • 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%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit - 3 Month Certificate
$500
3.75% ▲ 1.89% above Georgia avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▲ 1.89% above avgNationally 2.09%
Details

($500.00 Minimum to open and obtain APY) (Fixed Rate)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
700 Horizon South Pkwy, Grovetown, GA 30813 3000
3 Month Certificate
$5,000
3.75% ▲ 1.89% above Georgia avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average1.86%▲ 1.89% above avgNationally 2.09%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3360 Satellite Blvd, Duluth, GA 30096
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 1.84% above Georgia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▲ 1.84% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
3 Month IRA Certificate
$0
3.60% ▲ 1.74% above Georgia avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average1.86%▲ 1.74% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
3 Month Share Certificates
$0
3.60% ▲ 1.74% above Georgia avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average1.86%▲ 1.74% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8910 Main St, Woodstock, GA 30188
3-Month CD
$0
3.25% ▲ 1.39% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▲ 1.39% above avgNationally 2.09%
Details

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 13, 2026
First Arkansas Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
90-day cd
$500
3.20% ▲ 1.34% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▲ 1.34% above avgNationally 2.09%
Details

Deposit amount and interest rate is "locked" for the term amount Early withdrawal penalty may apply Automatically renews for 90 days

Rate History
No change since Sep 8, 2026 · 3.20% APY · checked 9 times
2.70%3.20%3.70%Sep 8, 2026: 3.20% APYSep 8, 2026Oct 13, 2026
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
3 Month Certificate
$0
3.05% ▲ 1.19% above Georgia avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average1.86%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
175 S Macon St, Jesup, GA 31545
3 Month Certificate
$0
2.94% ▲ 1.08% above Georgia avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▲ 1.08% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 13, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2476 Lawrenceville Hwy, Decatur, GA 30033
90 Day Certificate
$0
2.65% ▲ 0.79% above Georgia avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average1.86%▲ 0.79% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 6 times
2.15%2.65%3.15%Sep 14, 2026: 2.65% APYSep 14, 2026Oct 13, 2026
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
593 Russell Pkwy, Warner Robins, GA 31088
3 Month Certificate
$500
2.50% ▲ 0.64% above Georgia avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average1.86%▲ 0.64% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
43 N Main St, Statesboro, GA 30458
IRA Certificate 3-Month
$0
2.27% ▲ 0.41% above Georgia avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average1.86%▲ 0.41% above avgNationally 2.09%
Details

Dividend Rate with APY shown in IRA Certificates table

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 6 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2635 Pleasant Hill Rd, Duluth, GA 30096
3 Month CD
$500
2.00% ▲ 0.14% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▲ 0.14% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3205 Mitchell Blvd, Moody AFB, GA 31699
3 Month Share Certificate
$0
1.51% ▼ 0.35% below Georgia avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average1.86%▼ 0.35% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 6 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2900 Westside Pkwy, Alpharetta, GA 30004
3 Month Share Certificate Accounts - Regular Accounts
$0
1.26% ▼ 0.60% below Georgia avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average1.86%▼ 0.60% below avgNationally 2.09%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 1.26% APY · checked 4 times
0.76%1.26%1.76%Sep 22, 2026: 1.26% APYSep 22, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Jumbo Share Certificate - 3 month
$100,000
1.12% ▼ 0.74% below Georgia avg
View
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 0.74% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 1.12% APY
0.62%1.12%1.62%Oct 12, 2026: 1.12% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Jumbo Traditional and Roth IRA Certificate - 3 month
$100,000
1.12% ▼ 0.74% below Georgia avg
View
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 0.74% below avgNationally 2.09%
Details

Rate includes a 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 12, 2026 · 1.12% APY
0.62%1.12%1.62%Oct 12, 2026: 1.12% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Share Certificate - 3 month
$500
1.02% ▼ 0.84% below Georgia avg
View
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 0.84% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
0.52%1.07%1.62%Sep 25, 2026: 1.12% APYOct 12, 2026: 1.02% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 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
Traditional and Roth IRA Certificate - 3 month
$500
1.02% ▼ 0.84% below Georgia avg
View
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 0.84% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 1.02% APY
0.52%1.02%1.52%Oct 12, 2026: 1.02% APYOct 12, 2026Oct 13, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
C O Bldg 86, Brunswick, GA 31524
Certificate - 90 Days
$0
1.00% ▼ 0.86% below Georgia avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average1.86%▼ 0.86% below avgNationally 2.09%
Details

Rate History
No change since Oct 13, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 13, 2026: 1.00% APYOct 13, 2026Oct 13, 2026
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
300 Jackson St, Vidalia, GA 30474
3 Month Certificate
$5,000
0.75% ▼ 1.11% below Georgia avg
View
▼
Rate0.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 1.11% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1 E Main St, Forsyth, GA 31029
90 Day Certificate
$0
0.65% ▼ 1.21% below Georgia avg
View
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average1.86%▼ 1.21% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Oct 7, 2026: 0.65% APYOct 7, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
505 Takeda Pkwy, Social Circle, GA 30025 4723
3-month term
$0
0.60% ▼ 1.26% below Georgia avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average1.86%▼ 1.26% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
136 N Main St, Cleveland, GA 30528
3 Month CD
$500
0.50% ▼ 1.36% below Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▼ 1.36% below avgNationally 2.09%
Details

Rate History
No change since Sep 9, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 9, 2026: 0.50% APYSep 9, 2026Oct 13, 2026
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3525 Piedmont Rd Ne, Atlanta, GA 30305
3 Month CD
$500
0.50% ▼ 1.36% below Georgia avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 1.36% below avgNationally 2.09%
Details

Penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
505 Takeda Pkwy, Social Circle, GA 30025 4723
3-month term Standard CD
$0
0.50% ▼ 1.36% below Georgia avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average1.86%▼ 1.36% below avgNationally 2.09%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 13, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
141 S Wayne St, Milledgeville, GA 31061
Certificates of Deposit - 90 Day
$0
0.30% ▼ 1.56% below Georgia avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 1.56% below avgNationally 2.09%
Details

Compound Method: Simple

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
141 S Wayne St, Milledgeville, GA 31061
Business Certificates of Deposit - 90 Day
$500
0.20% ▼ 1.66% below Georgia avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 1.66% below avgNationally 2.09%
Details

Compound Method: Simple

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1251 13th St, Columbus, GA 31901 2227
Standard Certificate - 3 Month
$0
0.15% ▼ 1.71% below Georgia avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average1.86%▼ 1.71% below avgNationally 2.09%
Details

Monthly & Quarterly Certificates; Additional deposits allowed; Prime Club members receive 0.15% bonus dividend rate

Rate History
No change since Oct 13, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 13, 2026: 0.15% APYOct 13, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
221 S Broad St, Monroe, GA 30655
3 month Standard Fixed Rate
$2,500
0.06% ▼ 1.80% below Georgia avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▼ 1.80% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
221 S Broad St, Monroe, GA 30655
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.80% below Georgia avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▼ 1.80% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
221 S Broad St, Monroe, GA 30655
3 month Standard Fixed Rate
$2,500
0.05% ▼ 1.81% below Georgia avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▼ 1.81% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
115 N Dooly St, Montezuma, GA 31063
3 Month Certificate of Deposit
$0
0.03% ▼ 1.83% below Georgia avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▼ 1.83% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
90 Day CD
$500
0.03% ▼ 1.83% below Georgia avg
View
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 1.83% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 13, 2026
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% ▼ 1.83% below Georgia avg
View
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 1.83% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
115 N Dooly St, Montezuma, GA 31063
3 Month Certificate of Deposit
$0
0.02% ▼ 1.84% below Georgia avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▼ 1.84% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
115 N Dooly St, Montezuma, GA 31063
3 Month Certificate of Deposit
$0
0.01% ▼ 1.85% below Georgia avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▼ 1.85% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026

Georgia 6 Month CD Rates

MonitorBankRates Georgia Average · 6 Month CD2.92% APY▲ 0.03% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Georgia is 2.92% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
5975 Shiloh Rd, Alpharetta, GA 30005
6 Month CD
$1,000
4.30% ▲ 1.38% above Georgia avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.92%▲ 1.38% above avgNationally 2.78%
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%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • 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%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificate - 6 Months
$0
4.20% ▲ 1.28% above Georgia avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 1.28% above avgNationally 2.78%
Details

Penalty: 90 Days1

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates - 6 Months
$0
4.20% ▲ 1.28% above Georgia avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 1.28% above avgNationally 2.78%
Details

Penalty: 90 Days1

Rate History
1 change since Sep 25, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95%
3.45%4.08%4.70%Sep 25, 2026: 3.95% APYOct 4, 2026: 4.20% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.20%▲ from 3.95%
  • Sep 25, 20263.95%first recorded
Loyal Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
11675 Medlock Bridge Rd, Johns Creek, GA 30097
6 Month CD
$1,000
4.15% ▲ 1.23% above Georgia avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.92%▲ 1.23% above avgNationally 2.78%
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
3.65%4.15%4.65%Sep 29, 2026: 4.15% APYSep 29, 2026Oct 13, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
200 Alamar St, Fort Oglethorpe, GA 30742
6 Month Business Share Certificates
$1,000
4.15% ▲ 1.23% above Georgia avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 1.23% above avgNationally 2.78%
Details

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Rate History
1 change since Sep 25, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 25, 2026: 3.90% APYOct 12, 2026: 4.15% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.15%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
200 Alamar St, Fort Oglethorpe, GA 30742
Share Certificates - 6 Months
$1,000
4.15% ▲ 1.23% above Georgia avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 1.23% above avgNationally 2.78%
Details

$1,000 minimum opening deposit required; early withdrawal penalty applies

Rate History
1 change since Oct 4, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Oct 4, 2026: 3.90% APYOct 8, 2026: 4.15% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20264.15%▲ from 3.90%
  • Oct 4, 20263.90%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
700 Horizon South Pkwy, Grovetown, GA 30813 3000
6 Month Certificate
$500
4.10% ▲ 1.18% above Georgia avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 1.18% above avgNationally 2.78%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2900 Westside Pkwy, Alpharetta, GA 30004
6 Month Share Certificate Accounts - Regular Accounts
$0
4.06% ▲ 1.14% above Georgia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 1.14% above avgNationally 2.78%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 22, 2026: 4.06% APYSep 22, 2026Oct 13, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3333 Piedmont Rd Ne, Atlanta, GA 30305
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.08% above Georgia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.92%▲ 1.08% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
70 Carlisle Rd, Dawsonville, GA 30534
6-Month CD
$1,000
4.00% ▲ 1.08% above Georgia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.92%▲ 1.08% above avgNationally 2.78%
Details

Valid for new clients or existing clients with a minimum of $25,000 in new money.

Rate History
1 change since Sep 9, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
3.05%3.78%4.50%Sep 9, 2026: 3.55% APYSep 27, 2026: 4.00% APYSep 9, 2026Oct 13, 2026
  • 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%
3604 Atlanta Ave, Hapeville, GA 30354
6 Month Certificate of Deposit
$0
4.00% ▲ 1.08% above Georgia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 1.08% above avgNationally 2.78%
Details

Effective May 28, 2025; penalty imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
C O Bldg 86, Brunswick, GA 31524
Certificate - 6 Months
$0
4.00% ▲ 1.08% above Georgia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 1.08% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
Jumbo - Minimum Deposit of 6 Month Share or IRA Certificate
$100,000
4.00% ▲ 1.08% above Georgia avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 1.08% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYSep 22, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
101 Felton Dr, Rockmart, GA 30153
180 Days Share Certificate
$500
4.00% ▲ 1.08% above Georgia avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 1.08% above avgNationally 2.78%
Details

180 Days*

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1845 Satellite Blvd, Duluth, GA 30097
6 Month Certificate
$500
3.95% ▲ 1.03% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 1.03% above avgNationally 2.78%
Details

Automatic Renewal; Paid at End of Term

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
593 Russell Pkwy, Warner Robins, GA 31088
6 Month Certificate
$500
3.80% ▲ 0.88% above Georgia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.88% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3360 Satellite Blvd, Duluth, GA 30096
WooriWON Certificate of Deposit (CD) - 6-Months
$1,000
3.75% ▲ 0.83% above Georgia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.92%▲ 0.83% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit - 6 Month Certificate
$500
3.75% ▲ 0.83% above Georgia avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 0.83% above avgNationally 2.78%
Details

($500.00 Minimum to open and obtain APY) (Fixed Rate)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
6 Month IRA CD
$500
3.75% ▲ 0.83% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.83% above avgNationally 2.78%
Details

$500 & above

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
6 Month Jumbo CD
$100,000
3.75% ▲ 0.83% above Georgia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.83% above avgNationally 2.78%
Details

$100,000 & above

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
6 Month Senior Class CD
$500
3.75% ▲ 0.83% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.83% above avgNationally 2.78%
Details

$500 & above

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
6 Month Certificate
$0
3.75% ▲ 0.83% above Georgia avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.83% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
122 N Alexander St, Toccoa, GA 30577
6-Month CD
$0
3.75% ▲ 0.83% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.83% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
122 N Alexander St, Toccoa, GA 30577
6-Month Term
$1,000
3.75% ▲ 0.83% above Georgia avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.83% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
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
$0
3.70% ▲ 0.78% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.78% above avgNationally 2.78%
Details

Delta Community row from Compare Certificate of Deposit Accounts table; term not stated in this row; competitor rows excluded

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1025 Virginia Ave, Atlanta, GA 30354 1319
Certificate of Deposit Accounts - 6 Month
$1,000
3.70% ▲ 0.78% above Georgia avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.78% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 13, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2476 Lawrenceville Hwy, Decatur, GA 30033
6 Month Certificate
$0
3.70% ▲ 0.78% above Georgia avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.78% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
6 Month Standard CD
$500
3.70% ▲ 0.78% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.78% above avgNationally 2.78%
Details

$500 - $100,000

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 14, 2026: 3.60% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
990 Highway 84 E, Cairo, GA 39828 2207
6 Month Share Certificate
$500
3.65% ▲ 0.73% above Georgia avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.92%▲ 0.73% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
6 Month Business Share Certificate/CD
$1,000
3.65% ▲ 0.73% above Georgia avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.73% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 29, 2026: 3.65% APYSep 29, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
6 Month Regular and IRA Certificate of Deposit
$1,000
3.65% ▲ 0.73% above Georgia avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.73% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
Business Share Certificate - 6 months
$0
3.65% ▲ 0.73% above Georgia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.73% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 17, 2026: 3.65% APYSep 17, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
Regular and IRA Certificate of Deposit - 6 months
$0
3.65% ▲ 0.73% above Georgia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.73% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
6 Month Share Certificates/CDs
$500
3.60% ▲ 0.68% above Georgia avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 0.68% above avgNationally 2.78%
Details

$500.00 and above; Special promotional as-high-as rate (footnote **); early withdrawal penalty applies

Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 12, 2026: 3.60% APYSep 12, 2026Oct 13, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
980 Johnson Ferry Rd, Atlanta, GA 30342
Share Certificates - 6 months
$0
3.55% ▲ 0.63% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.63% above avgNationally 2.78%
Details

$1,000 minimum balance required; 90 day interest penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold) 6 Month Certificate
$0
3.55% ▲ 0.63% above Georgia avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.63% above avgNationally 2.78%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
40 E Pike St, Lawrenceville, GA 30046 4934
6 Month Term Share Certificate (or CD)
$0
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.78%
Details

Effective September 28, 2026

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Busch Dr NE, Cartersville, GA 30121 7217
6 Month Certificate
$0
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.78%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.50%▼ from 3.55%
  • Sep 14, 20263.55%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Busch Dr NE, Cartersville, GA 30121 7217
Business 6 Month Certificate
$0
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.78%
Details

Dividend Rate column for Business Certificate of Deposit (CD) Rates

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
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
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Sep 14, 2026: 3.30% APYSep 22, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.50%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3205 Mitchell Blvd, Moody AFB, GA 31699
6 Month Share Certificate
$0
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
6 Month IRA Certificate
$0
3.45% ▲ 0.53% above Georgia avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.92%▲ 0.53% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
6 Month Share Certificates
$0
3.45% ▲ 0.53% above Georgia avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.92%▲ 0.53% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
Go Energy Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2100 E Exchange Pl Ste 101, Tucker, GA 30084 5313
6 Month Certificate
$0
3.35% ▲ 0.43% above Georgia avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.43% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
6 Month CD
$0
3.35% ▲ 0.43% above Georgia avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.43% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
6 Month Safari Club CD
$0
3.35% ▲ 0.43% above Georgia avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.43% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
43 N Main St, Statesboro, GA 30458
6-Month Jumbo CD
$0
3.35% ▲ 0.43% above Georgia avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.43% above avgNationally 2.78%
Details

Jumbo CD; Dividend Rate***: 3.30%

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
6 Month JUMBO Regular & IRA Certificates
$100,000
3.33% ▲ 0.41% above Georgia avg
View
▼
Rate3.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.41% above avgNationally 2.78%
Details

Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000

Rate History
No change since Sep 14, 2026 · 3.33% APY · checked 7 times
2.83%3.33%3.83%Sep 14, 2026: 3.33% APYSep 14, 2026Oct 13, 2026
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3718 Mundy Mill Rd, Oakwood, GA 30566 3417
Traditional Share Certificates - 6 Month CD
$500
3.30% ▲ 0.38% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.38% above avgNationally 2.78%
Details

Effective 5/01/2026; Limitations: Term Deposit; Traditional IRA, Roth IRA, Educational IRA

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2040 Ingleside Ave, Macon, GA 31204
6 Month Share Certificate
$0
3.30% ▲ 0.38% above Georgia avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.38% above avgNationally 2.78%
Details

Certificate Rates; Interest compounded monthly

Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 5, 2026: 3.30% APYOct 5, 2026Oct 13, 2026

Georgia 12 Month CD Rates

MonitorBankRates Georgia Average · 12 Month CD3.22% APY▲ 0.02% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Georgia is 3.22% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
12 Month Family Legacy Certificate Account
$0
5.00% ▲ 1.78% above Georgia avg
View
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 1.78% above avgNationally 2.99%
Details

Eligibility: must be opened within two years of the date of death; eligibility subject to verification; 12-month fixed term from account opening; one renewal at rate in effect at maturity, rate not guaranteed to match original

Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
4.41%4.96%5.50%Sep 14, 2026: 4.91% APYSep 17, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.00%▲ from 4.91%
  • Sep 14, 20264.91%first recorded
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1845 Satellite Blvd, Duluth, GA 30097
12 Month Certificate - STUDENT Accounts
$100
5.00% ▲ 1.78% above Georgia avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 1.78% above avgNationally 2.99%
Details

Maximum $10,000; Automatic Renewal; Paid at End of Term

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
4770 Buford Hwy, Chamblee, GA 30341
12 Month Rewards Certificate
$1,000
4.59% ▲ 1.37% above Georgia avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.22%▲ 1.37% above avgNationally 2.99%
Details

Tenure: 20+ Yrs; Active Checking: Yes

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.59% ▲ 0.52 pts · high 4.59% / low 4.07%
3.55%4.33%5.11%Sep 14, 2026: 4.07% APYOct 8, 2026: 4.59% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.59%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
200 Alamar St, Fort Oglethorpe, GA 30742
12 Month Business Share Certificates
$1,000
4.50% ▲ 1.28% above Georgia avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.22%▲ 1.28% above avgNationally 2.99%
Details

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Rate History
1 change since Sep 25, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 25, 2026: 4.25% APYOct 12, 2026: 4.50% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.50%▲ from 4.25%
  • Sep 25, 20264.25%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
200 Alamar St, Fort Oglethorpe, GA 30742
Share Certificates - 12 Months
$1,000
4.50% ▲ 1.28% above Georgia avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.22%▲ 1.28% above avgNationally 2.99%
Details

$1,000 minimum opening deposit required; early withdrawal penalty applies

Rate History
1 change since Oct 4, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Oct 4, 2026: 4.25% APYOct 8, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20264.50%▲ from 4.25%
  • Oct 4, 20264.25%first recorded
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
Jumbo - Minimum Deposit of 12 Month Share or IRA Certificate
$100,000
4.40% ▲ 1.18% above Georgia avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 1.18% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 14, 2026: 4.00% APYSep 22, 2026: 4.25% APYOct 1, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.40%▲ from 4.25%
  • Sep 22, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
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% ▲ 1.13% above Georgia avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 1.13% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificate - 12 Months
$0
4.35% ▲ 1.13% above Georgia avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.22%▲ 1.13% above avgNationally 2.99%
Details

Penalty: 90 Days1

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates - 12 Months
$0
4.35% ▲ 1.13% above Georgia avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.22%▲ 1.13% above avgNationally 2.99%
Details

Penalty: 90 Days1

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.35% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.35%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
700 Horizon South Pkwy, Grovetown, GA 30813 3000
12 Month Certificate
$500
4.30% ▲ 1.08% above Georgia avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 1.08% above avgNationally 2.99%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Loyal Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
11675 Medlock Bridge Rd, Johns Creek, GA 30097
12 Month CD
$1,000
4.25% ▲ 1.03% above Georgia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.22%▲ 1.03% above avgNationally 2.99%
Details

$1,000,000 max opening deposit. Early withdrawal penalty may apply.

Rate History
No change since Sep 29, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 29, 2026: 4.25% APYSep 29, 2026Oct 13, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit - 12 Month Certificate
$500
4.25% ▲ 1.03% above Georgia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.22%▲ 1.03% above avgNationally 2.99%
Details

($500.00 Minimum to open and obtain APY) (Fixed Rate)

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 3, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3333 Piedmont Rd Ne, Atlanta, GA 30305
Special 12-Month Fixed Rate
$0
4.11% ▲ 0.89% above Georgia avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.22%▲ 0.89% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
70 Carlisle Rd, Dawsonville, GA 30534
12-Month CD
$1,000
4.10% ▲ 0.88% above Georgia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.22%▲ 0.88% above avgNationally 2.99%
Details

Valid for new clients or existing clients with a minimum of $25,000 in new money.

Rate History
1 change since Sep 9, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
2.70%3.75%4.80%Sep 9, 2026: 3.40% APYSep 27, 2026: 4.10% APYSep 9, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 3.40%
  • Sep 9, 20263.40%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
101 Felton Dr, Rockmart, GA 30153
12 Months Share Certificate
$500
4.10% ▲ 0.88% above Georgia avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.88% above avgNationally 2.99%
Details

12 Months*

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
4770 Buford Hwy, Chamblee, GA 30341
12 Month Rewards Certificate
$1,000
4.07% ▲ 0.85% above Georgia avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.22%▲ 0.85% above avgNationally 2.99%
Details

Tenure: 15-19 Yrs; Active Checking: Yes

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.78% above Georgia avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
5975 Shiloh Rd, Alpharetta, GA 30005
12 Month CD
$1,000
4.00% ▲ 0.78% above Georgia avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Millennium Club Account - 1 Year Term
$1,000
4.00% ▲ 0.78% above Georgia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Minimum to open and obtain APY is $1,000 contract amount (Fixed Rate)

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1025 Virginia Ave, Atlanta, GA 30354 1319
Certificate of Deposit Accounts - 12 Month
$1,000
4.00% ▲ 0.78% above Georgia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
C O Bldg 86, Brunswick, GA 31524
Certificate - 12 Months
$0
4.00% ▲ 0.78% above Georgia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
12 Month IRA CD
$500
4.00% ▲ 0.78% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

IRA CD

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
12 Month Jumbo CD
$0
4.00% ▲ 0.78% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Balance: $100,000+; Jumbo CD

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
12 Month Senior Class CD
$500
4.00% ▲ 0.78% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

$500 & above

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 13, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3205 Mitchell Blvd, Moody AFB, GA 31699
1 Year Share Certificate
$0
4.00% ▲ 0.78% above Georgia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Go Energy Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2100 E Exchange Pl Ste 101, Tucker, GA 30084 5313
1 Year Certificate
$0
4.00% ▲ 0.78% above Georgia avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
122 N Alexander St, Toccoa, GA 30577
1-Year CD
$0
4.00% ▲ 0.78% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
122 N Alexander St, Toccoa, GA 30577
1-Year Term
$1,000
4.00% ▲ 0.78% above Georgia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
12 Month Standard CD
$500
3.95% ▲ 0.73% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.73% above avgNationally 2.99%
Details

$500 - $100,000

Rate History
1 change since Sep 22, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 22, 2026: 3.70% APYOct 10, 2026: 3.95% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.70%
  • Sep 22, 20263.70%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
Standard CD - 12 mo.
$500
3.95% ▲ 0.73% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.73% above avgNationally 2.99%
Details

Balance: $500 to $100,000

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 14, 2026: 3.70% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
40 E Pike St, Lawrenceville, GA 30046 4934
1 Year Advantage Share Certificate
$0
3.90% ▲ 0.68% above Georgia avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.68% above avgNationally 2.99%
Details

IRA; Effective September 28, 2026; Advantage Certificate pays a premium dividend

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 14, 2026: 3.65% APYSep 29, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.90%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
40 E Pike St, Lawrenceville, GA 30046 4934
1 Year Loyalty Term Share Certificate (or CD)
$0
3.90% ▲ 0.68% above Georgia avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.68% above avgNationally 2.99%
Details

Requires 5 years of membership; Effective September 28, 2026

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1845 Satellite Blvd, Duluth, GA 30097
12 Month Certificate
$500
3.90% ▲ 0.68% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.68% above avgNationally 2.99%
Details

Automatic Renewal; Paid at End of Term

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
980 Johnson Ferry Rd, Atlanta, GA 30342
Share Certificates - 12 months
$0
3.85% ▲ 0.63% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details

$1,000 minimum balance required; 90 day interest penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
1 Year CD
$0
3.85% ▲ 0.63% above Georgia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • 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%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
1 Year IRA CD
$0
3.85% ▲ 0.63% above Georgia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • 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%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
1 Year Trust CD
$0
3.85% ▲ 0.63% above Georgia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • 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%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
Tax Factor 1 Year CD
$0
3.85% ▲ 0.63% above Georgia avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • 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%
2476 Lawrenceville Hwy, Decatur, GA 30033
12 Month Certificate
$0
3.85% ▲ 0.63% above Georgia avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2900 Westside Pkwy, Alpharetta, GA 30004
12 Month Share Certificate Accounts - Regular Accounts
$0
3.85% ▲ 0.63% above Georgia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 22, 2026: 3.85% APYSep 22, 2026Oct 13, 2026
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
5000 Research CT, Johns Creek, GA 30024
12 Month Certificate Special
$500
3.82% ▲ 0.60% above Georgia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.22%▲ 0.60% above avgNationally 2.99%
Details

LIMITED TIME OFFER: EFFECTIVE 10/03/2025

Rate History
No change since Sep 20, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 20, 2026: 3.82% APYSep 20, 2026Oct 13, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
990 Highway 84 E, Cairo, GA 39828 2207
12 Month Share Certificate
$500
3.80% ▲ 0.58% above Georgia avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.22%▲ 0.58% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
43 N Main St, Statesboro, GA 30458
IRA Certificate 12-Month
$0
3.76% ▲ 0.54% above Georgia avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.54% above avgNationally 2.99%
Details

Dividend Rate with APY shown in IRA Certificates table

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 6 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 13, 2026
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8910 Main St, Woodstock, GA 30188
12-Month CD
$0
3.75% ▲ 0.53% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Rate History
1 change since Sep 27, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 27, 2026: 3.55% APYOct 7, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.55%
  • Sep 27, 20263.55%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
1 Year Share Certificates/CDs
$500
3.75% ▲ 0.53% above Georgia avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.22%▲ 0.53% above avgNationally 2.99%
Details

$500.00 and above; Special promotional as-high-as rate (footnote **); early withdrawal penalty applies

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
40 E Pike St, Lawrenceville, GA 30046 4934
1 Year Term Share Certificate (or CD)
$0
3.75% ▲ 0.53% above Georgia avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Effective September 28, 2026

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Coweta Cities & County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 Jefferson Pkwy, Newnan, GA 30263 5813
Regular Certificates - 1 Year
$1,000
3.75% ▲ 0.53% above Georgia avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.53% above avgNationally 2.99%
Details

$1000.00 minimum required to open Share or IRA Certificate; dividend rate fixed for the term; dividends compounded and credited quarterly

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
1 Year JUMBO Regular & IRA Certificates
$100,000
3.75% ▲ 0.53% above Georgia avg
View
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
12 Month Business Share Certificate/CD
$1,000
3.75% ▲ 0.53% above Georgia avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
12 Month Regular and IRA Certificate of Deposit
$1,000
3.75% ▲ 0.53% above Georgia avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026

Georgia 18 Month CD Rates

MonitorBankRates Georgia Average · 18 Month CD3.07% APY▼ 0.01% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Georgia is 3.07% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificate - 18 Months
$0
4.45% ▲ 1.38% above Georgia avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▲ 1.38% above avgNationally 2.87%
Details

Penalty: 120 Days1

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 13, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates - 18 Months
$0
4.45% ▲ 1.38% above Georgia avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▲ 1.38% above avgNationally 2.87%
Details

Penalty: 120 Days1

Rate History
1 change since Sep 25, 2026 · 4.05% → 4.45% ▲ 0.40 pts · high 4.45% / low 4.05%
3.55%4.25%4.95%Sep 25, 2026: 4.05% APYOct 4, 2026: 4.45% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.45%▲ from 4.05%
  • Sep 25, 20264.05%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
700 Horizon South Pkwy, Grovetown, GA 30813 3000
18 Month Certificate
$500
4.40% ▲ 1.33% above Georgia avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 1.33% above avgNationally 2.87%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 27, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
200 Alamar St, Fort Oglethorpe, GA 30742
18 Month Business Share Certificates
$1,000
4.25% ▲ 1.18% above Georgia avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▲ 1.18% above avgNationally 2.87%
Details

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 12, 2026: 4.25% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
200 Alamar St, Fort Oglethorpe, GA 30742
Share Certificates - 18 Months
$1,000
4.25% ▲ 1.18% above Georgia avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▲ 1.18% above avgNationally 2.87%
Details

$1,000 minimum opening deposit required; early withdrawal penalty applies

Rate History
1 change since Oct 4, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Oct 4, 2026: 4.00% APYOct 8, 2026: 4.25% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20264.25%▲ from 4.00%
  • Oct 4, 20264.00%first recorded
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
70 Carlisle Rd, Dawsonville, GA 30534
18-Month CD
$1,000
4.20% ▲ 1.13% above Georgia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.07%▲ 1.13% above avgNationally 2.87%
Details

Valid for new clients or existing clients with a minimum of $25,000 in new money.

Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Oct 13, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3205 Mitchell Blvd, Moody AFB, GA 31699
18 Month Share Certificate
$0
4.15% ▲ 1.08% above Georgia avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 1.08% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
18 Month Certificate
$0
4.00% ▲ 0.93% above Georgia avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.93% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
18 Month Certificate of Deposit
$500
3.95% ▲ 0.88% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.07%▲ 0.88% above avgNationally 2.87%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Mutual Savings Credit Union 10 Peachtree Pl NE, Atlanta, GA 30309
18 Month Certificate of Deposit
$0
3.95% ▲ 0.88% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average3.07%▲ 0.88% above avgNationally 2.87%
Details

APY*

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1845 Satellite Blvd, Duluth, GA 30097
18 Month Certificate
$500
3.80% ▲ 0.73% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.07%▲ 0.73% above avgNationally 2.87%
Details

Automatic Renewal; Paid at End of Term

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
505 Takeda Pkwy, Social Circle, GA 30025 4723
18-month term
$0
3.80% ▲ 0.73% above Georgia avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.73% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
505 Takeda Pkwy, Social Circle, GA 30025 4723
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 0.73% above Georgia avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
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% ▲ 0.63% above Georgia avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.63% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
43 N Main St, Statesboro, GA 30458
IRA Certificate 18-Month
$0
3.66% ▲ 0.59% above Georgia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.07%▲ 0.59% above avgNationally 2.87%
Details

Dividend Rate with APY shown in IRA Certificates table

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2476 Lawrenceville Hwy, Decatur, GA 30033
18 Month Certificate
$0
3.65% ▲ 0.58% above Georgia avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.58% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
43 N Main St, Statesboro, GA 30458
18-Month Jumbo CD
$0
3.61% ▲ 0.54% above Georgia avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.07%▲ 0.54% above avgNationally 2.87%
Details

Jumbo CD; Dividend Rate***: 3.55%

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 7 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
670 Metropolitan Pkwy SW, Atlanta, GA 30310
18 Month Share and IRA Certificate
$500
3.56% ▲ 0.49% above Georgia avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.07%▲ 0.49% above avgNationally 2.87%
Details

Dividends compounded and credited quarterly

Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 5, 2026: 3.56% APYOct 5, 2026Oct 13, 2026
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% ▲ 0.49% above Georgia avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.07%▲ 0.49% above avgNationally 2.87%
Details

Dividends compounded and credited quarterly; penalty imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 13, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit - 18 Month Certificate
$500
3.50% ▲ 0.43% above Georgia avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▲ 0.43% above avgNationally 2.87%
Details

($500.00 Minimum to open and obtain APY) (Fixed Rate)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3525 Piedmont Rd Ne, Atlanta, GA 30305
18 Month CD
$500
3.50% ▲ 0.43% above Georgia avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▲ 0.43% above avgNationally 2.87%
Details

Penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
593 Russell Pkwy, Warner Robins, GA 31088
18 Month Certificate
$500
3.50% ▲ 0.43% above Georgia avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.07%▲ 0.43% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
C O Bldg 86, Brunswick, GA 31524
IRA Certificate - 18 Months
$0
3.50% ▲ 0.43% above Georgia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.07%▲ 0.43% above avgNationally 2.87%
Details

IRA

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2900 Westside Pkwy, Alpharetta, GA 30004
18 Month Share Certificate Accounts - Regular Accounts
$0
3.50% ▲ 0.43% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.43% above avgNationally 2.87%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
175 S Macon St, Jesup, GA 31545
18 Month Certificate
$0
3.46% ▲ 0.39% above Georgia avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.07%▲ 0.39% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 24, 2026: 3.46% APYSep 24, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Jumbo Share Certificate - 18 month
$100,000
3.41% ▲ 0.34% above Georgia avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▲ 0.34% above avgNationally 2.87%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Jumbo Traditional and Roth IRA Certificate - 18 month
$100,000
3.41% ▲ 0.34% above Georgia avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▲ 0.34% above avgNationally 2.87%
Details

Rate includes a 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 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 13, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
980 Johnson Ferry Rd, Atlanta, GA 30342
Share Certificates - 18 months
$0
3.40% ▲ 0.33% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.07%▲ 0.33% above avgNationally 2.87%
Details

$1,000 minimum balance required; 90 day interest penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
18 Month IRA Certificate
$0
3.35% ▲ 0.28% above Georgia avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average3.07%▲ 0.28% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
18 Month Share Certificates
$0
3.35% ▲ 0.28% above Georgia avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average3.07%▲ 0.28% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
101 Felton Dr, Rockmart, GA 30153
18 Months Share Certificate
$500
3.35% ▲ 0.28% above Georgia avg
View
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.28% above avgNationally 2.87%
Details

18 Months*

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Share Certificate - 18 month
$500
3.31% ▲ 0.24% above Georgia avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▲ 0.24% above avgNationally 2.87%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
2.81%3.36%3.91%Sep 25, 2026: 3.41% APYOct 12, 2026: 3.31% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 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
Traditional and Roth IRA Certificate - 18 month
$500
3.31% ▲ 0.24% above Georgia avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▲ 0.24% above avgNationally 2.87%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold) 18 Month Certificate
$0
3.30% ▲ 0.23% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.07%▲ 0.23% above avgNationally 2.87%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Busch Dr NE, Cartersville, GA 30121 7217
18 Month Certificate
$0
3.25% ▲ 0.18% above Georgia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.07%▲ 0.18% above avgNationally 2.87%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • 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%
100 Busch Dr NE, Cartersville, GA 30121 7217
Business 18 Month Certificate
$0
3.25% ▲ 0.18% above Georgia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.07%▲ 0.18% above avgNationally 2.87%
Details

Dividend Rate column for Business Certificate of Deposit (CD) Rates

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
430 Lanier Ave E, Fayetteville, GA 30214
18-Month Term Share Certificate
$500
3.25% ▲ 0.18% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.18% above avgNationally 2.87%
Details

Dividends Compounded: Quarterly; Dividends Credited: Quarterly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Go Energy Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2100 E Exchange Pl Ste 101, Tucker, GA 30084 5313
18 Month Certificate
$0
3.20% ▲ 0.13% above Georgia avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.13% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
300 Jackson St, Vidalia, GA 30474
IRA 18 Months
$250
3.05% ▼ 0.02% below Georgia avg
View
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▼ 0.02% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Loyal Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
11675 Medlock Bridge Rd, Johns Creek, GA 30097
18 Month CD
$1,000
3.00% ▼ 0.07% below Georgia avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.07%▼ 0.07% below avgNationally 2.87%
Details

$1,000,000 max opening deposit. Early withdrawal penalty may apply.

Rate History
No change since Sep 29, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 29, 2026: 3.00% APYSep 29, 2026Oct 13, 2026
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2040 Ingleside Ave, Macon, GA 31204
18 Month Share Certificate
$0
3.00% ▼ 0.07% below Georgia avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.07%▼ 0.07% below avgNationally 2.87%
Details

Certificate Rates; Interest compounded monthly

Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 5, 2026: 3.00% APYOct 5, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
201 3rd Ave Bldg 38200, Fort Gordon, GA 30905
18 Month Certificate
$0
2.90% ▼ 0.17% below Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.07%▼ 0.17% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
18 Month Business CD
$0
2.75% ▼ 0.32% below Georgia avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▼ 0.32% below avgNationally 2.87%
Details

FL; Dividend Posting: Monthly

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
18 Month Certificate
$0
2.75% ▼ 0.32% below Georgia avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▼ 0.32% below avgNationally 2.87%
Details

FL; Dividend Posting: Monthly

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
18 Month Traditional CD
$1,000
2.75% ▼ 0.32% below Georgia avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▼ 0.32% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
18 months CD
$0
2.75% ▼ 0.32% below Georgia avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▼ 0.32% below avgNationally 2.87%
Details

GA; Dividend Posting: Monthly

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
122 N Alexander St, Toccoa, GA 30577
18-Month CD
$0
2.75% ▼ 0.32% below Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▼ 0.32% below avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
122 N Alexander St, Toccoa, GA 30577
18-Month Term
$1,000
2.75% ▼ 0.32% below Georgia avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▼ 0.32% below avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 13, 2026
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
601 W Oglethorpe Hwy, Hinesville, GA 31313
Share Certificates - 18 Month
$500
2.02% ▼ 1.05% below Georgia avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.07%▼ 1.05% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 7 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
10300 Industrial Blvd Ne, Covington, GA 30014
18 Month Certificate
$500
2.00% ▼ 1.07% below Georgia avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.07%▼ 1.07% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026

Georgia 24 Month CD Rates

MonitorBankRates Georgia Average · 24 Month CD2.96% APY▲ 0.02% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Georgia is 2.96% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificate - 24 Months
$0
4.50% ▲ 1.54% above Georgia avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 1.54% above avgNationally 2.88%
Details

Penalty: 180 Days1

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates - 24 Months
$0
4.50% ▲ 1.54% above Georgia avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 1.54% above avgNationally 2.88%
Details

Penalty: 180 Days1

Rate History
1 change since Sep 25, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 25, 2026: 4.10% APYOct 4, 2026: 4.50% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 4.10%
  • Sep 25, 20264.10%first recorded
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
Jumbo - Minimum Deposit of 24 Month Share or IRA Certificate
$100,000
4.50% ▲ 1.54% above Georgia avg
View
▼
Rate4.41%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 1.54% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 22, 2026: 4.40% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.50%▲ from 4.40%
  • Sep 22, 20264.40%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
24 Month 3-Step Share Certificate
$0
4.40% ▲ 1.44% above Georgia avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 1.44% above avgNationally 2.88%
Details

Penalty2: 180 Days (See 2 below)

Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 8, 2026: 4.40% APYOct 8, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
700 Horizon South Pkwy, Grovetown, GA 30813 3000
24 Month Certificate
$500
4.25% ▲ 1.29% above Georgia avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 1.29% above avgNationally 2.88%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYSep 27, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
101 Felton Dr, Rockmart, GA 30153
24 Months Share Certificate
$500
4.20% ▲ 1.24% above Georgia avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 1.24% above avgNationally 2.88%
Details

24 Months*

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
200 Alamar St, Fort Oglethorpe, GA 30742
24 Month Business Share Certificates
$1,000
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 25, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
200 Alamar St, Fort Oglethorpe, GA 30742
Share Certificates - 24 Months
$1,000
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

$1,000 minimum opening deposit required; early withdrawal penalty applies

Rate History
1 change since Oct 4, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 4, 2026: 3.75% APYOct 8, 2026: 4.00% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
24 Month Business Share Certificate/CD
$1,000
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
24 Month Regular and IRA Certificate of Deposit
$1,000
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
Business Share Certificate - 24 months
$0
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
Regular and IRA Certificate of Deposit - 24 months
$0
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
2 Year CD
$0
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • 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%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
2 Year IRA CD
$0
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • 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%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
2 Year Trust CD
$0
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1845 Satellite Blvd, Duluth, GA 30097
24 Month Certificate
$500
4.00% ▲ 1.04% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Automatic Renewal; Paid at End of Term

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
24 Month Certificate of Deposit
$500
3.85% ▲ 0.89% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 0.89% above avgNationally 2.88%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Mutual Savings Credit Union 10 Peachtree Pl NE, Atlanta, GA 30309
24 Month Certificate of Deposit
$0
3.85% ▲ 0.89% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average2.96%▲ 0.89% above avgNationally 2.88%
Details

APY*

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
24 Month Share or IRA Certificate
$1,000
3.80% ▲ 0.84% above Georgia avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 0.84% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 22, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.80%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
24 Month IRA CD
$500
3.80% ▲ 0.84% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 0.84% above avgNationally 2.88%
Details

IRA CD

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.80% ▲ 0.55 pts · high 3.80% / low 3.25%
2.70%3.53%4.35%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
24 Month Jumbo CD
$0
3.80% ▲ 0.84% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 0.84% above avgNationally 2.88%
Details

Balance: $100,000+; Jumbo CD

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.80% ▲ 0.55 pts · high 3.80% / low 3.25%
2.70%3.53%4.35%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
24 Month Senior Class CD
$500
3.80% ▲ 0.84% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 0.84% above avgNationally 2.88%
Details

$500 & above

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
24 Month Standard CD
$500
3.75% ▲ 0.79% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 0.79% above avgNationally 2.88%
Details

$500 - $100,000

Rate History
1 change since Sep 22, 2026 · 3.20% → 3.75% ▲ 0.55 pts · high 3.75% / low 3.20%
2.65%3.48%4.30%Sep 22, 2026: 3.20% APYOct 10, 2026: 3.75% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.20%
  • Sep 22, 20263.20%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
Standard CD - 24 mo.
$500
3.75% ▲ 0.79% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 0.79% above avgNationally 2.88%
Details

Balance: $500 to $100,000

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.75% ▲ 0.55 pts · high 3.75% / low 3.20%
2.65%3.48%4.30%Sep 14, 2026: 3.20% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
2 Year Share Certificates/CDs
$500
3.65% ▲ 0.69% above Georgia avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 0.69% above avgNationally 2.88%
Details

$500.00 and above; Special promotional as-high-as rate (footnote **); early withdrawal penalty applies

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 13, 2026
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% ▲ 0.64% above Georgia avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 0.64% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
990 Highway 84 E, Cairo, GA 39828 2207
24 Month Share Certificate
$500
3.60% ▲ 0.64% above Georgia avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.96%▲ 0.64% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
2 Year JUMBO Regular & IRA Certificates
$100,000
3.60% ▲ 0.64% above Georgia avg
View
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 0.64% above avgNationally 2.88%
Details

Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.61% above Georgia avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.96%▲ 0.61% above avgNationally 2.88%
Details

Balance: $250,000 - and above

Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 7 times
3.07%3.57%4.07%Sep 11, 2026: 3.57% APYSep 11, 2026Oct 13, 2026
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
2 Year CD
$0
3.57% ▲ 0.61% above Georgia avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.96%▲ 0.61% above avgNationally 2.88%
Details

Balance: $250,000 - and above

Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
3.07%3.57%4.07%Oct 7, 2026: 3.57% APYOct 7, 2026Oct 13, 2026
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
670 Metropolitan Pkwy SW, Atlanta, GA 30310
24 Month Share and IRA Certificate
$500
3.56% ▲ 0.60% above Georgia avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 0.60% above avgNationally 2.88%
Details

Dividends compounded and credited quarterly

Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 5, 2026: 3.56% APYOct 5, 2026Oct 13, 2026
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% ▲ 0.60% above Georgia avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 0.60% above avgNationally 2.88%
Details

Dividends compounded and credited quarterly; penalty imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 13, 2026
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3525 Piedmont Rd Ne, Atlanta, GA 30305
24 Month CD
$500
3.50% ▲ 0.54% above Georgia avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 0.54% above avgNationally 2.88%
Details

Penalty may be imposed for early withdrawal; also available for IRA CDs; certain account types only available to be opened in person at a branch

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
40 E Pike St, Lawrenceville, GA 30046 4934
2 Year Loyalty Term Share Certificate (or CD)
$0
3.50% ▲ 0.54% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 0.54% above avgNationally 2.88%
Details

Requires 5 years of membership; Effective September 28, 2026

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
593 Russell Pkwy, Warner Robins, GA 31088
24 Month Certificate
$500
3.50% ▲ 0.54% above Georgia avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
C O Bldg 86, Brunswick, GA 31524
Certificate - 24 Months
$0
3.50% ▲ 0.54% above Georgia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2476 Lawrenceville Hwy, Decatur, GA 30033
24 Month Certificate
$0
3.50% ▲ 0.54% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3205 Mitchell Blvd, Moody AFB, GA 31699
2 Year Share Certificate
$0
3.50% ▲ 0.54% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
Regular & IRA Certificates - 2 Year
$1,000
3.49% ▲ 0.53% above Georgia avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 0.53% above avgNationally 2.88%
Details

Effective 10/1/2026

Rate History
No change since Oct 13, 2026 · 3.49% APY
2.99%3.49%3.99%Oct 13, 2026: 3.49% APYOct 13, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
24 Month IRA Certificate
$0
3.45% ▲ 0.49% above Georgia avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.96%▲ 0.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
24 Month Share Certificates
$0
3.45% ▲ 0.49% above Georgia avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.96%▲ 0.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1845 Satellite Blvd, Duluth, GA 30097
2 Year IRA Certificate
$1,000
3.45% ▲ 0.49% above Georgia avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 0.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
175 S Macon St, Jesup, GA 31545
24 Month Certificate
$0
3.41% ▲ 0.45% above Georgia avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.96%▲ 0.45% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Jumbo Share Certificate - 24 month
$100,000
3.41% ▲ 0.45% above Georgia avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 0.45% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Jumbo Traditional and Roth IRA Certificate - 24 month
$100,000
3.41% ▲ 0.45% above Georgia avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 0.45% above avgNationally 2.88%
Details

Rate includes a 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 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1025 Virginia Ave, Atlanta, GA 30354 1319
Certificate of Deposit Accounts - 24 Month
$1,000
3.40% ▲ 0.44% above Georgia avg
View
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 0.44% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
40 E Pike St, Lawrenceville, GA 30046 4934
2 Year Term Share Certificate (or CD)
$0
3.35% ▲ 0.39% above Georgia avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 0.39% above avgNationally 2.88%
Details

Effective September 28, 2026

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 13, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
980 Johnson Ferry Rd, Atlanta, GA 30342
Share Certificates - 24 months
$0
3.35% ▲ 0.39% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 0.39% above avgNationally 2.88%
Details

$1,000 minimum balance required; 90 day interest penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3604 Atlanta Ave, Hapeville, GA 30354
2 Year Certificate of Deposit
$0
3.35% ▲ 0.39% above Georgia avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.96%▲ 0.39% above avgNationally 2.88%
Details

Condition: 2 Year Over $50,000. Balance: Over $50,000; Effective May 28, 2025; penalty imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Share Certificate - 24 month
$500
3.31% ▲ 0.35% above Georgia avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 0.35% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
2.81%3.36%3.91%Sep 25, 2026: 3.41% APYOct 12, 2026: 3.31% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.31%▼ from 3.41%
  • Sep 25, 20263.41%first recorded

Georgia 36 Month CD Rates

MonitorBankRates Georgia Average · 36 Month CD2.81% APY▲ 0.01% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Georgia is 2.81% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificate - 36 Months
$0
4.60% ▲ 1.79% above Georgia avg
View
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 1.79% above avgNationally 2.81%
Details

Penalty: 180 Days1

Rate History
No change since Oct 8, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 8, 2026: 4.60% APYOct 8, 2026Oct 13, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates - 36 Months
$0
4.60% ▲ 1.79% above Georgia avg
View
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 1.79% above avgNationally 2.81%
Details

Penalty: 180 Days1

Rate History
1 change since Sep 25, 2026 · 4.15% → 4.60% ▲ 0.45 pts · high 4.60% / low 4.15%
3.65%4.38%5.10%Sep 25, 2026: 4.15% APYOct 4, 2026: 4.60% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.60%▲ from 4.15%
  • Sep 25, 20264.15%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
101 Felton Dr, Rockmart, GA 30153
36 Months Share Certificate
$500
4.20% ▲ 1.39% above Georgia avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 1.39% above avgNationally 2.81%
Details

36 Months*

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
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
$100,000
4.15% ▲ 1.34% above Georgia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 1.34% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
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
$1,000
4.10% ▲ 1.29% above Georgia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 1.29% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
36 Month Business Share Certificate/CD
$1,000
4.00% ▲ 1.19% above Georgia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 1.19% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
36 Month Regular and IRA Certificate of Deposit
$1,000
4.00% ▲ 1.19% above Georgia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 1.19% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
Business Share Certificate - 36 months
$0
4.00% ▲ 1.19% above Georgia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 1.19% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
Regular and IRA Certificate of Deposit - 36 months
$0
4.00% ▲ 1.19% above Georgia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 1.19% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1845 Satellite Blvd, Duluth, GA 30097
36 Month Certificate
$500
4.00% ▲ 1.19% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 1.19% above avgNationally 2.81%
Details

Automatic Renewal; Paid at End of Term

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
700 Horizon South Pkwy, Grovetown, GA 30813 3000
36 Month Certificate
$500
4.00% ▲ 1.19% above Georgia avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 1.19% above avgNationally 2.81%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
593 Russell Pkwy, Warner Robins, GA 31088
36 Month Certificate
$500
3.75% ▲ 0.94% above Georgia avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.94% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
36 Month Certificate of Deposit
$500
3.75% ▲ 0.94% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 0.94% above avgNationally 2.81%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Mutual Savings Credit Union 10 Peachtree Pl NE, Atlanta, GA 30309
36 Month Certificate of Deposit
$0
3.75% ▲ 0.94% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average2.81%▲ 0.94% above avgNationally 2.81%
Details

APY*

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
36 Month IRA CD
$500
3.75% ▲ 0.94% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 0.94% above avgNationally 2.81%
Details

IRA CD

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
36 Month Jumbo CD
$0
3.75% ▲ 0.94% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 0.94% above avgNationally 2.81%
Details

Balance: $100,000+; Jumbo CD

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
36 Month Senior Class CD
$500
3.75% ▲ 0.94% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 0.94% above avgNationally 2.81%
Details

$500 & above

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
36 Month Standard CD
$500
3.70% ▲ 0.89% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 0.89% above avgNationally 2.81%
Details

$500 - $100,000

Rate History
1 change since Sep 22, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
2.70%3.45%4.20%Sep 22, 2026: 3.20% APYOct 10, 2026: 3.70% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.20%
  • Sep 22, 20263.20%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
Standard CD - 36 mo.
$500
3.70% ▲ 0.89% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 0.89% above avgNationally 2.81%
Details

Balance: $500 to $100,000

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
2.70%3.45%4.20%Sep 14, 2026: 3.20% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
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
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.76% above avgNationally 2.81%
Details

Balance: $250,000 - and above

Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 7 times
3.07%3.57%4.07%Sep 11, 2026: 3.57% APYSep 11, 2026Oct 13, 2026
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
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.76% above avgNationally 2.81%
Details

Balance: $250,000 - and above

Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
3.07%3.57%4.07%Oct 7, 2026: 3.57% APYOct 7, 2026Oct 13, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
990 Highway 84 E, Cairo, GA 39828 2207
36 Month Share Certificate
$500
3.55% ▲ 0.74% above Georgia avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.81%▲ 0.74% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
3 Year JUMBO Regular & IRA Certificates
$100,000
3.55% ▲ 0.74% above Georgia avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 0.74% above avgNationally 2.81%
Details

Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1845 Satellite Blvd, Duluth, GA 30097
3 Year IRA Certificate
$1,000
3.55% ▲ 0.74% above Georgia avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 0.74% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
36 Month IRA Certificate
$0
3.50% ▲ 0.69% above Georgia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.81%▲ 0.69% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
36 Month Share Certificates
$0
3.50% ▲ 0.69% above Georgia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.81%▲ 0.69% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
C O Bldg 86, Brunswick, GA 31524
Certificate - 36 Months
$0
3.50% ▲ 0.69% above Georgia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 0.69% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2476 Lawrenceville Hwy, Decatur, GA 30033
36 Month Certificate
$0
3.50% ▲ 0.69% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 0.69% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3205 Mitchell Blvd, Moody AFB, GA 31699
3 Year Share Certificate
$0
3.50% ▲ 0.69% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 0.69% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
Regular & IRA Certificates - 3 Year
$1,000
3.44% ▲ 0.63% above Georgia avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 0.63% above avgNationally 2.81%
Details

Effective 10/1/2026

Rate History
No change since Oct 13, 2026 · 3.44% APY
2.94%3.44%3.94%Oct 13, 2026: 3.44% APYOct 13, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
175 S Macon St, Jesup, GA 31545
36 Month Certificate
$0
3.41% ▲ 0.60% above Georgia avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.81%▲ 0.60% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
980 Johnson Ferry Rd, Atlanta, GA 30342
Share Certificates - 36 months
$0
3.35% ▲ 0.54% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 0.54% above avgNationally 2.81%
Details

$1,000 minimum balance required; 90 day interest penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Jumbo Share Certificate - 36 month
$100,000
3.31% ▲ 0.50% above Georgia avg
View
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 0.50% above avgNationally 2.81%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Jumbo Traditional and Roth IRA Certificate - 36 month
$100,000
3.31% ▲ 0.50% above Georgia avg
View
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 0.50% above avgNationally 2.81%
Details

Rate includes a 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 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 13, 2026
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
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.81%
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Oct 13, 2026
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
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.81%
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold) 36 Month Certificate
$0
3.30% ▲ 0.49% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.81%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
670 Metropolitan Pkwy SW, Atlanta, GA 30310
36 Month Share and IRA Certificate
$500
3.30% ▲ 0.49% above Georgia avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.81%
Details

Dividends compounded and credited quarterly

Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 5, 2026: 3.30% APYOct 5, 2026Oct 13, 2026
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
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.81%
Details

Dividends compounded and credited quarterly; penalty imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
5000 Research CT, Johns Creek, GA 30024
36 Month Certificate Special
$500
3.30% ▲ 0.49% above Georgia avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.81%
Details

LIMITED TIME OFFER: EFFECTIVE 10/03/2025

Rate History
No change since Sep 20, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 20, 2026: 3.30% APYSep 20, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2900 Westside Pkwy, Alpharetta, GA 30004
36 Month Share Certificate Accounts - Regular Accounts
$0
3.29% ▲ 0.48% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 0.48% above avgNationally 2.81%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 22, 2026: 3.29% APYSep 22, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Busch Dr NE, Cartersville, GA 30121 7217
36 Month Certificate
$0
3.25% ▲ 0.44% above Georgia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 0.44% above avgNationally 2.81%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • 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%
100 Busch Dr NE, Cartersville, GA 30121 7217
Business 36 Month Certificate
$0
3.25% ▲ 0.44% above Georgia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 0.44% above avgNationally 2.81%
Details

Dividend Rate column for Business Certificate of Deposit (CD) Rates

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Share Certificate - 36 month
$500
3.21% ▲ 0.40% above Georgia avg
View
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 0.40% above avgNationally 2.81%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
2.71%3.26%3.81%Sep 25, 2026: 3.31% APYOct 12, 2026: 3.21% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 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
Traditional and Roth IRA Certificate - 36 month
$500
3.21% ▲ 0.40% above Georgia avg
View
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 0.40% above avgNationally 2.81%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
201 3rd Ave Bldg 38200, Fort Gordon, GA 30905
3 Year Certificate
$0
3.20% ▲ 0.39% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.81%▲ 0.39% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
40 E Pike St, Lawrenceville, GA 30046 4934
3 Year Loyalty Term Share Certificate (or CD)
$0
3.20% ▲ 0.39% above Georgia avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.81%▲ 0.39% above avgNationally 2.81%
Details

Requires 5 years of membership; Effective September 28, 2026

Rate History
No change since Oct 13, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 13, 2026: 3.20% APYOct 13, 2026Oct 13, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
3 Year Share Certificates/CDs
$500
3.15% ▲ 0.34% above Georgia avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 0.34% above avgNationally 2.81%
Details

$500.00 and above; Early withdrawal penalty applies

Rate History
No change since Sep 12, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 12, 2026: 3.15% APYSep 12, 2026Oct 13, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
3 Year CD
$0
3.15% ▲ 0.34% above Georgia avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.34% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
3 Year IRA CD
$0
3.15% ▲ 0.34% above Georgia avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.34% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026

Georgia 48 Month CD Rates

MonitorBankRates Georgia Average · 48 Month CD2.79% APY▲ 0.01% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Georgia is 2.79% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificate - 48 Months
$0
4.70% ▲ 1.91% above Georgia avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.79%▲ 1.91% above avgNationally 2.80%
Details

Penalty: 180 Days1

Rate History
No change since Oct 8, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 8, 2026: 4.70% APYOct 8, 2026Oct 13, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates - 48 Months
$0
4.70% ▲ 1.91% above Georgia avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.79%▲ 1.91% above avgNationally 2.80%
Details

Penalty: 180 Days1

Rate History
1 change since Sep 25, 2026 · 4.15% → 4.70% ▲ 0.55 pts · high 4.70% / low 4.15%
3.60%4.43%5.25%Sep 25, 2026: 4.15% APYOct 4, 2026: 4.70% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.70%▲ from 4.15%
  • Sep 25, 20264.15%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
4 Year Share Certificates/CDs
$500
4.50% ▲ 1.71% above Georgia avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.79%▲ 1.71% above avgNationally 2.80%
Details

$500.00 and above; Special promotional as-high-as rate (footnote **); 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%
1.80%3.82%5.85%Sep 12, 2026: 3.15% APYOct 4, 2026: 4.50% APYSep 12, 2026Oct 13, 2026
  • 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%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
48 Month Share Certificate (with payroll direct deposit)
$500
4.50% ▲ 1.71% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.79%▲ 1.71% above avgNationally 2.80%
Details

As high as APY; requires payroll direct deposit; rate effective 9/28/2026

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 13, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
101 Felton Dr, Rockmart, GA 30153
48 Months Share Certificate
$500
4.20% ▲ 1.41% above Georgia avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 1.41% above avgNationally 2.80%
Details

48 Months*

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1845 Satellite Blvd, Duluth, GA 30097
48 Month Certificate
$500
3.95% ▲ 1.16% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.79%▲ 1.16% above avgNationally 2.80%
Details

Automatic Renewal; Paid at End of Term

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
48 Month Certificate of Deposit
$500
3.85% ▲ 1.06% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.79%▲ 1.06% above avgNationally 2.80%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 13, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
593 Russell Pkwy, Warner Robins, GA 31088
48 Month Certificate
$500
3.75% ▲ 0.96% above Georgia avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 0.96% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Mutual Savings Credit Union 10 Peachtree Pl NE, Atlanta, GA 30309
48 Month Certificate of Deposit
$0
3.75% ▲ 0.96% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average2.79%▲ 0.96% above avgNationally 2.80%
Details

APY*

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
48 Month IRA CD
$500
3.75% ▲ 0.96% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.96% above avgNationally 2.80%
Details

IRA CD

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
48 Month Jumbo CD
$0
3.75% ▲ 0.96% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.96% above avgNationally 2.80%
Details

Balance: $100,000+; Jumbo CD

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
48 Month Senior Class CD
$500
3.75% ▲ 0.96% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.96% above avgNationally 2.80%
Details

$500 & above

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
700 Horizon South Pkwy, Grovetown, GA 30813 3000
48 Month Certificate
$500
3.75% ▲ 0.96% above Georgia avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.96% above avgNationally 2.80%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
48 Month Standard CD
$500
3.70% ▲ 0.91% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.91% above avgNationally 2.80%
Details

$500 - $100,000

Rate History
1 change since Sep 22, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30%
2.80%3.50%4.20%Sep 22, 2026: 3.30% APYOct 10, 2026: 3.70% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.30%
  • Sep 22, 20263.30%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
Standard CD - 48 mo.
$500
3.70% ▲ 0.91% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.91% above avgNationally 2.80%
Details

Balance: $500 to $100,000

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30%
2.80%3.50%4.20%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1845 Satellite Blvd, Duluth, GA 30097
4 Year IRA Certificate
$1,000
3.65% ▲ 0.86% above Georgia avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.86% above avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Oct 13, 2026
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% ▲ 0.78% above Georgia avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.79%▲ 0.78% above avgNationally 2.80%
Details

Balance: $250,000 - and above

Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 7 times
3.07%3.57%4.07%Sep 11, 2026: 3.57% APYSep 11, 2026Oct 13, 2026
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
4 Year CD
$0
3.57% ▲ 0.78% above Georgia avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.79%▲ 0.78% above avgNationally 2.80%
Details

Balance: $250,000 - and above

Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
3.07%3.57%4.07%Oct 7, 2026: 3.57% APYOct 7, 2026Oct 13, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
990 Highway 84 E, Cairo, GA 39828 2207
48 Month Share Certificate
$500
3.50% ▲ 0.71% above Georgia avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.79%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
48 Month IRA Certificate
$0
3.50% ▲ 0.71% above Georgia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.79%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
48 Month Share Certificates
$0
3.50% ▲ 0.71% above Georgia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.79%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2476 Lawrenceville Hwy, Decatur, GA 30033
48 Month Certificate
$0
3.50% ▲ 0.71% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2900 Westside Pkwy, Alpharetta, GA 30004
48 Month Share Certificate Accounts - Regular Accounts
$0
3.50% ▲ 0.71% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.71% above avgNationally 2.80%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 13, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3205 Mitchell Blvd, Moody AFB, GA 31699
4 Year Share Certificate
$0
3.50% ▲ 0.71% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
175 S Macon St, Jesup, GA 31545
48 Month Certificate
$0
3.41% ▲ 0.62% above Georgia avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.79%▲ 0.62% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
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% ▲ 0.51% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.79%▲ 0.51% above avgNationally 2.80%
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Oct 13, 2026
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
4 Year CD
$0
3.30% ▲ 0.51% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.79%▲ 0.51% above avgNationally 2.80%
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
40 E Pike St, Lawrenceville, GA 30046 4934
4 Year Loyalty Term Share Certificate (or CD)
$0
3.30% ▲ 0.51% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.79%▲ 0.51% above avgNationally 2.80%
Details

Requires 5 years of membership; Effective September 28, 2026

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold) 48 Month Certificate
$0
3.30% ▲ 0.51% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.79%▲ 0.51% above avgNationally 2.80%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Busch Dr NE, Cartersville, GA 30121 7217
48 Month Certificate
$0
3.25% ▲ 0.46% above Georgia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.79%▲ 0.46% above avgNationally 2.80%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • 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%
100 Busch Dr NE, Cartersville, GA 30121 7217
Business 48 Month Certificate
$0
3.25% ▲ 0.46% above Georgia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.79%▲ 0.46% above avgNationally 2.80%
Details

Dividend Rate column for Business Certificate of Deposit (CD) Rates

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
48 Month Certificate
$0
3.25% ▲ 0.46% above Georgia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Jumbo Share Certificate - 48 month
$100,000
3.21% ▲ 0.42% above Georgia avg
View
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.79%▲ 0.42% above avgNationally 2.80%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Jumbo Traditional and Roth IRA Certificate - 48 month
$100,000
3.21% ▲ 0.42% above Georgia avg
View
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.79%▲ 0.42% above avgNationally 2.80%
Details

Rate includes a 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 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
201 3rd Ave Bldg 38200, Fort Gordon, GA 30905
4 Year Certificate
$0
3.20% ▲ 0.41% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.79%▲ 0.41% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
4 Year JUMBO Regular & IRA Certificates
$100,000
3.19% ▲ 0.40% above Georgia avg
View
▼
Rate3.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.79%▲ 0.40% above avgNationally 2.80%
Details

Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000

Rate History
No change since Sep 14, 2026 · 3.19% APY · checked 7 times
2.69%3.19%3.69%Sep 14, 2026: 3.19% APYSep 14, 2026Oct 13, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
4 Year CD
$0
3.15% ▲ 0.36% above Georgia avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
4 Year IRA CD
$0
3.15% ▲ 0.36% above Georgia avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Share Certificate - 48 month
$500
3.11% ▲ 0.32% above Georgia avg
View
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.79%▲ 0.32% above avgNationally 2.80%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
2.61%3.16%3.71%Sep 25, 2026: 3.21% APYOct 12, 2026: 3.11% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 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
Traditional and Roth IRA Certificate - 48 month
$500
3.11% ▲ 0.32% above Georgia avg
View
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.79%▲ 0.32% above avgNationally 2.80%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.11% APY
2.61%3.11%3.61%Oct 12, 2026: 3.11% APYOct 12, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
201 3rd Ave Bldg 38200, Fort Gordon, GA 30905
4 Year IRA Certificate
$0
3.10% ▲ 0.31% above Georgia avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.79%▲ 0.31% above avgNationally 2.80%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
40 E Pike St, Lawrenceville, GA 30046 4934
4 Year Term Share Certificate (or CD)
$0
3.10% ▲ 0.31% above Georgia avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.79%▲ 0.31% above avgNationally 2.80%
Details

Effective September 28, 2026

Rate History
No change since Oct 13, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 13, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
4 Year Business CD
$0
3.10% ▲ 0.31% above Georgia avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.31% above avgNationally 2.80%
Details

FL; Dividend Posting: Monthly

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
4 Year Certificate
$0
3.10% ▲ 0.31% above Georgia avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.31% above avgNationally 2.80%
Details

FL; Dividend Posting: Monthly

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
4 Year Traditional CD
$1,000
3.10% ▲ 0.31% above Georgia avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.31% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
4 years CD
$0
3.10% ▲ 0.31% above Georgia avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.31% above avgNationally 2.80%
Details

GA; Dividend Posting: Monthly

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
Regular & IRA Certificates - 4 Year
$1,000
3.09% ▲ 0.30% above Georgia avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.79%▲ 0.30% above avgNationally 2.80%
Details

Effective 10/1/2026

Rate History
No change since Oct 13, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 13, 2026: 3.09% APYOct 13, 2026Oct 13, 2026
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
601 W Oglethorpe Hwy, Hinesville, GA 31313
Share Certificates - 48 Month
$500
3.04% ▲ 0.25% above Georgia avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.79%▲ 0.25% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
670 Metropolitan Pkwy SW, Atlanta, GA 30310
48 Month Share and IRA Certificate
$500
3.04% ▲ 0.25% above Georgia avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.79%▲ 0.25% above avgNationally 2.80%
Details

Dividends compounded and credited quarterly

Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 5, 2026: 3.04% APYOct 5, 2026Oct 13, 2026
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% ▲ 0.25% above Georgia avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.79%▲ 0.25% above avgNationally 2.80%
Details

Dividends compounded and credited quarterly; penalty imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 13, 2026: 3.04% APYOct 13, 2026Oct 13, 2026

Georgia 60 Month CD Rates

MonitorBankRates Georgia Average · 60 Month CD2.92% APY▲ 0.04% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Georgia is 2.92% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificate - 60 Months
$0
4.80% ▲ 1.88% above Georgia avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 1.88% above avgNationally 2.90%
Details

Penalty: 180 Days1

Rate History
No change since Oct 8, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 8, 2026: 4.80% APYOct 8, 2026Oct 13, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates - 60 Months
$0
4.80% ▲ 1.88% above Georgia avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 1.88% above avgNationally 2.90%
Details

Penalty: 180 Days1

Rate History
1 change since Sep 25, 2026 · 4.15% → 4.80% ▲ 0.65 pts · high 4.80% / low 4.15%
3.50%4.48%5.45%Sep 25, 2026: 4.15% APYOct 4, 2026: 4.80% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.80%▲ from 4.15%
  • Sep 25, 20264.15%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
101 Felton Dr, Rockmart, GA 30153
60 Months Share Certificate
$500
4.20% ▲ 1.28% above Georgia avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 1.28% above avgNationally 2.90%
Details

60 Months*

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
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
$100,000
3.90% ▲ 0.98% above Georgia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.98% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
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
$1,000
3.85% ▲ 0.93% above Georgia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.93% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
60 Month Certificate of Deposit
$500
3.85% ▲ 0.93% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.93% above avgNationally 2.90%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 13, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1845 Satellite Blvd, Duluth, GA 30097
60 Month Certificate
$500
3.85% ▲ 0.93% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.93% above avgNationally 2.90%
Details

Automatic Renewal; Paid at End of Term

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Mutual Savings Credit Union 10 Peachtree Pl NE, Atlanta, GA 30309
60 Month Certificate of Deposit
$0
3.75% ▲ 0.83% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average2.92%▲ 0.83% above avgNationally 2.90%
Details

APY*

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
60 Month IRA CD
$500
3.75% ▲ 0.83% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.83% above avgNationally 2.90%
Details

IRA CD

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
60 Month Jumbo CD
$0
3.75% ▲ 0.83% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.83% above avgNationally 2.90%
Details

Balance: $100,000+; Jumbo CD

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
60 Month Senior Class CD
$500
3.75% ▲ 0.83% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.83% above avgNationally 2.90%
Details

$500 & above

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1845 Satellite Blvd, Duluth, GA 30097
5 Year IRA Certificate
$1,000
3.70% ▲ 0.78% above Georgia avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.78% above avgNationally 2.90%
Details

Rate History
No change since Sep 22, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 22, 2026: 3.70% APYSep 22, 2026Oct 13, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
60 Month Standard CD
$500
3.70% ▲ 0.78% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.78% above avgNationally 2.90%
Details

$500 - $100,000

Rate History
1 change since Sep 22, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30%
2.80%3.50%4.20%Sep 22, 2026: 3.30% APYOct 10, 2026: 3.70% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.30%
  • Sep 22, 20263.30%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3048 Eagle Dr, Woodstock, GA 30189 5531
Standard CD - 60 mo.
$500
3.70% ▲ 0.78% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.78% above avgNationally 2.90%
Details

Balance: $500 to $100,000

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30%
2.80%3.50%4.20%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.30%
  • Sep 14, 20263.30%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% ▲ 0.65% above Georgia avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.92%▲ 0.65% above avgNationally 2.90%
Details

Balance: $250,000 - and above

Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 7 times
3.07%3.57%4.07%Sep 11, 2026: 3.57% APYSep 11, 2026Oct 13, 2026
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
5 Year CD
$0
3.57% ▲ 0.65% above Georgia avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.92%▲ 0.65% above avgNationally 2.90%
Details

Balance: $250,000 - and above

Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
3.07%3.57%4.07%Oct 7, 2026: 3.57% APYOct 7, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
60 Month IRA Certificate
$0
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
5800 Windward Pkwy, Alpharetta, GA 30005
60 Month Share Certificates
$0
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
60 Month Business Share Certificate/CD
$1,000
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
60 Month Regular and IRA Certificate of Deposit
$1,000
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
Business Share Certificate - 60 months
$0
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 17, 2026: 3.50% APYSep 17, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
Regular and IRA Certificate of Deposit - 60 months
$0
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2476 Lawrenceville Hwy, Decatur, GA 30033
60 Month Certificate
$0
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
700 Horizon South Pkwy, Grovetown, GA 30813 3000
60 Month Certificate
$500
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.90%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 1, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2900 Westside Pkwy, Alpharetta, GA 30004
60 Month Share Certificate Accounts - Regular Accounts
$0
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 13, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3205 Mitchell Blvd, Moody AFB, GA 31699
5 Year Share Certificate
$0
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
990 Highway 84 E, Cairo, GA 39828 2207
60 Month Share Certificate
$500
3.45% ▲ 0.53% above Georgia avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.92%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
5 Year JUMBO Regular & IRA Certificates
$100,000
3.44% ▲ 0.52% above Georgia avg
View
▼
Rate3.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.52% above avgNationally 2.90%
Details

Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
175 S Macon St, Jesup, GA 31545
60 Month Certificate
$0
3.41% ▲ 0.49% above Georgia avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.92%▲ 0.49% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
40 E Pike St, Lawrenceville, GA 30046 4934
5 Year Advantage Share Certificate
$0
3.40% ▲ 0.48% above Georgia avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.48% above avgNationally 2.90%
Details

IRA; Effective September 28, 2026; Advantage Certificate pays a premium dividend

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
40 E Pike St, Lawrenceville, GA 30046 4934
5 Year Loyalty Term Share Certificate (or CD)
$0
3.40% ▲ 0.48% above Georgia avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.48% above avgNationally 2.90%
Details

Requires 5 years of membership; Effective September 28, 2026

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
Regular & IRA Certificates - 5 Year
$1,000
3.34% ▲ 0.42% above Georgia avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.42% above avgNationally 2.90%
Details

Effective 10/1/2026

Rate History
No change since Oct 13, 2026 · 3.34% APY
2.84%3.34%3.84%Oct 13, 2026: 3.34% APYOct 13, 2026Oct 13, 2026
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% ▲ 0.38% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.92%▲ 0.38% 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
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Oct 13, 2026
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1575 Northside Dr Nw, Atlanta, GA 30318
5 Year CD
$0
3.30% ▲ 0.38% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.92%▲ 0.38% 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
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
4770 Buford Hwy, Chamblee, GA 30341
60 Month Rewards Certificate
$1,000
3.30% ▲ 0.38% above Georgia avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 0.38% above avgNationally 2.90%
Details

Tenure: 20+ Yrs; Active Checking: Yes

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
601 W Oglethorpe Hwy, Hinesville, GA 31313
Share Certificates - 60 Month
$500
3.30% ▲ 0.38% above Georgia avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.38% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold) 60 Month Certificate
$0
3.30% ▲ 0.38% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.38% above avgNationally 2.90%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
200 Alamar St, Fort Oglethorpe, GA 30742
60 Month Business Share Certificates
$1,000
3.25% ▲ 0.33% above Georgia avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 0.33% above avgNationally 2.90%
Details

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Rate History
1 change since Sep 25, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 25, 2026: 3.00% APYOct 12, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.25%▲ from 3.00%
  • Sep 25, 20263.00%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
200 Alamar St, Fort Oglethorpe, GA 30742
Share Certificates - 60 Months
$1,000
3.25% ▲ 0.33% above Georgia avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 0.33% above avgNationally 2.90%
Details

$1,000 minimum opening deposit required; early withdrawal penalty applies

Rate History
1 change since Oct 4, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Oct 4, 2026: 3.00% APYOct 8, 2026: 3.25% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20263.25%▲ from 3.00%
  • Oct 4, 20263.00%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
5 Year CD
$0
3.25% ▲ 0.33% above Georgia avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.33% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
5 Year IRA CD
$0
3.25% ▲ 0.33% above Georgia avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.33% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
5 Year Trust CD
$0
3.25% ▲ 0.33% above Georgia avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.33% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Busch Dr NE, Cartersville, GA 30121 7217
60 Month Certificate
$0
3.25% ▲ 0.33% above Georgia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.33% above avgNationally 2.90%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • 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%
100 Busch Dr NE, Cartersville, GA 30121 7217
Business 60 Month Certificate
$0
3.25% ▲ 0.33% above Georgia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.33% above avgNationally 2.90%
Details

Dividend Rate column for Business Certificate of Deposit (CD) Rates

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
60 Month Certificate
$0
3.25% ▲ 0.33% above Georgia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.33% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Jumbo Share Certificate - 60 month
$100,000
3.21% ▲ 0.29% above Georgia avg
View
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 0.29% above avgNationally 2.90%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
959 E Confederate Ave SE, Atlanta, GA 30316
Jumbo Traditional and Roth IRA Certificate - 60 month
$100,000
3.21% ▲ 0.29% above Georgia avg
View
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 0.29% above avgNationally 2.90%
Details

Rate includes a 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 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
201 3rd Ave Bldg 38200, Fort Gordon, GA 30905
5 Year Certificate
$0
3.20% ▲ 0.28% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.92%▲ 0.28% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
40 E Pike St, Lawrenceville, GA 30046 4934
5 Year Term Share Certificate (or CD)
$0
3.15% ▲ 0.23% above Georgia avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.23% above avgNationally 2.90%
Details

Effective September 28, 2026

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold) 60 Month Variable Rate Certificate
$0
3.15% ▲ 0.23% above Georgia avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.92%▲ 0.23% above avgNationally 2.90%
Details

Variable Rate Certificate; Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; rate may change twice during the term

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 13, 2026
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.

Top CD Rates from Georgia Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Loyal Trust Bank
12 Month CD
A+ 5.0 ★ TX: 5.99%
Min: $1,000
4.25%
New Millennium Bank
Certificates of Deposit - 12 Month Certificate
A+ 5.0 ★ TX: 3.44%
Min: $500
4.25%
Coastal States Bank (CSB)
18-Month CD
A+ 5.0 ★ TX: 4.83%
Min: $1,000
4.20%
City National Bank
Special 12-Month Fixed Rate
A+ 5.0 ★ TX: 5.55%
Min: $0
4.11%
CU Top 5 Credit Union Rates
Platinum Federal Credit Union
12 Month Family Legacy Certificate Account
A+ 5.0 ★ TX: 1.89%
Min: $0
5.00%
P&S Credit Union
12 Month Certificate - STUDENT Accounts
A+ 5.0 ★ TX: 0.10%
Min: $100
5.00%
Georgia Heritage Federal Credit Union
IRA Certificate - 60 Months
A+ 5.0 ★ TX: 2.12%
Min: $0
4.80%
CDC Federal Credit Union
12 Month Rewards Certificate
A+ 5.0 ★ TX: 2.99%
Min: $1,000
4.59%
Tennessee Valley Federal Credit Union
12 Month Business Share Certificates
A+ 5.0 ★ TX: 3.70%
Min: $1,000
4.50%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Georgia CD Rate Trends

Compare local Georgia CD rate quotes against the statewide average

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

View Full Georgia CD Trends
12-Month CD GA Avg
3.217%
▲ 0.020 vs 7 days ago

Georgia 12-month CD rates rose 0.020 points over the past 7 days to 3.217% APY.

6-Month CD GA Avg
2.917%
▲ 0.033 vs 7 days ago

Georgia 6-month CD rates rose 0.033 points over the past 7 days to 2.917% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

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
3.217%
6-Month Forecast
3.217%
Range: 3.02%, 3.37%
12-Month Forecast
3.467%
Range: 3.27%, 3.62%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Georgia average 12-month CD APY in our database.

Spread model: The Georgia 12-month CD average currently trades 1.16% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.862% $93.12 $186.23 $465.58 $931.15
6-Month CD 2.917% $145.84 $291.67 $729.18 $1,458.35
12-Month CD 3.217% $160.83 $321.66 $804.15 $1,608.30
18-Month CD 3.067% $153.37 $306.74 $766.85 $1,533.70
24-Month CD 2.960% $148.00 $295.99 $739.98 $1,479.95
36-Month CD 2.809% $140.47 $280.94 $702.35 $1,404.70
48-Month CD 2.789% $139.43 $278.86 $697.15 $1,394.30
60-Month CD 2.915% $145.77 $291.53 $728.82 $1,457.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Georgia Savers

$25,000 split equally across 5 terms using today’s Georgia average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit GA Avg APY Annual Earnings
1 3-Month CD $5,000 1.862% $93.12
2 6-Month CD $5,000 2.917% $145.84
3 12-Month CD $5,000 3.217% $160.83
4 24-Month CD $5,000 2.960% $148.00
5 36-Month CD $5,000 2.809% $140.47
Total ($25,000 invested) $25,000 2.753% blended $688.26/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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727
CD Rates
Tracked in Georgia
23 Banks 54 Credit Unions

About Our Georgia CD Rate Database

MonitorBankRates tracks 727 CD rates from 23 banks and 54 credit unions with locations in Georgia, plus national online institutions available to Georgia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 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: Platinum Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Georgia.

How to Find the Best CD Rates in Georgia

What to compare when shopping for a CD in Georgia

To find the best APYs in Georgia, start with credit unions and online-only banks: Georgia has 54 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Georgia

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Georgia: 77 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare 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 Georgia money market rates

Georgia Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
15.0%
National avg: 17.3%
Median Individual Earnings
$43,815
National avg: $47,340
Poverty Rate
13.4%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$141/yr
At GA 12-mo avg 3.217% APY

15.0% of residents are 65 or older, below the national average of 17.3%. At today’s GA 12-month CD average of 3.217%, saving 10% of the local median salary ($4,381/year) and putting it in a CD would earn an additional $141 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Georgia

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 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 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 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 Georgia as everywhere in the U.S.

Choosing a CD Term in 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 Georgia savers easier access to their funds. For example, Austin Capital Bank is offering its 6 Month CD at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Georgia Heritage Federal Credit Union is offering its IRA Certificate - 60 Months at 4.80% 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 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 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 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 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 Georgia

Most CDs carry a fixed rate that is locked for the entire term, protecting a 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 Georgia

Are CD rates in Georgia FDIC insured?

Yes, most established banks in Georgia are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Georgia?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Georgia.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

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

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Georgia may offer slightly higher APYs compared to standard CDs.

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

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

What is a CD ladder?

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

Best CD rates in Georgia?

Here are recent top rates found for this area:
  • Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
  • P&S Credit Union: 5.00% APY (12 Month Certificate - STUDENT Accounts)
  • Georgia Heritage Federal Credit Union: 4.80% APY (IRA Certificate - 60 Months)
  • CDC Federal Credit Union: 4.59% APY (12 Month Rewards Certificate)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Tennessee Valley Federal Credit Union: 4.50% APY (12 Month Business Share Certificates)
  • Excel Federal Credit Union: 4.50% APY (4 Year Share Certificates/CDs)
  • Workmens Circle Incorporated Credit Union: 4.50% APY (Jumbo - Minimum Deposit of 24 Month Share or IRA Certificate)
  • Empeople Credit Union: 4.40% APY (18 Month Certificate)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
Rates reflect recent verified offers available in Georgia. Last Updated: October 13, 2026

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 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.

Top Georgia CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Georgia. Averages shown use the Georgia state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Georgia

Georgia CD Calculator

At today’s GA top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Georgia CD Ladder

GA CD rates currently range from 1.862% (3-month) to 2.809% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Georgia CD at 5.00% 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 Savings

Georgia’s average 12-month CD is 3.217% 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 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 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 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 13, 2026

Georgia Rates & Resources

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Cities in Georgia

  • Abbeville
  • Acworth
  • Adairsville
  • Adel
  • Adrian
  • Ailey
  • Alamo
  • Alapaha
  • Albany
  • Aldora
  • Allenhurst
  • Allentown
  • Alma
  • Alpharetta
  • Alston
  • Alto
  • Ambrose
  • Americus
  • Andersonville
  • Appling
  • Arabi
  • Aragon
  • Arcade
  • Argyle
  • Arlington
  • Armuchee
  • Arnoldsville
  • Ashburn
  • Athens
  • Atlanta
  • Attapulgus
  • Auburn
  • Augusta
  • Austell
  • Avalon
  • Avera
  • Avondale Estates
  • Axson
  • Baconton
  • Bainbridge
  • Baldwin
  • Ball Ground
  • Barnesville
  • Barney
  • Bartow
  • Barwick
  • Baxley
  • Bellville
  • Berkeley Lake
  • Berlin
  • Bethlehem
  • Between
  • Bishop
  • Blackshear
  • Blairsville
  • Blakely
  • Bloomingdale
  • Blue Ridge
  • Bluffton
  • Blythe
  • Bogart
  • Bolingbroke
  • Bonaire
  • Boneville
  • Boston
  • Bostwick
  • Bowdon
  • Bowdon Junction
  • Bowersville
  • Bowman
  • Box Springs
  • Braselton
  • Braswell
  • Bremen
  • Brinson
  • Bristol
  • Bronwood
  • Brookfield
  • Brookhaven
  • Brooklet
  • Brooks
  • Broxton
  • Brunswick
  • Buchanan
  • Buckhead
  • Buena Vista
  • Buford
  • Butler
  • Byromville
  • Byron
  • Cadwell
  • Cairo
  • Calhoun
  • Calvary
  • Camak
  • Camilla
  • Canon
  • Canton
  • Carl
  • Carlton
  • Carnesville
  • Carrollton
  • Cartersville
  • Cassville
  • Cataula
  • Cave Spring
  • Cecil
  • Cedar Springs
  • Cedartown
  • Centerville
  • Centralhatchee
  • Chamblee
  • Chatsworth
  • Chattahoochee Hills
  • Chauncey
  • Cherrylog
  • Chester
  • Chestnut Mountain
  • Chickamauga
  • Chula
  • Cisco
  • Clarkdale
  • Clarkesville
  • Clarkston
  • Claxton
  • Clayton
  • Clermont
  • Cleveland
  • Climax
  • Clinchfield
  • Clyo
  • Cobb
  • Cobbtown
  • Cochran
  • Cohutta
  • Colbert
  • Coleman
  • College Park
  • Collins
  • Colquitt
  • Columbus
  • Comer
  • Commerce
  • Concord
  • Conley
  • Conyers
  • Coolidge
  • Coosa
  • Cordele
  • Cornelia
  • Cotton
  • Covington
  • Crandall
  • Crawford
  • Crawfordville
  • Crescent
  • Culloden
  • Cumming
  • Cusseta
  • Cusseta-Chattahoochee County
  • Cuthbert
  • Dacula
  • Dahlonega
  • Daisy
  • Dallas
  • Dalton
  • Damascus
  • Danielsville
  • Danville
  • Darien
  • Dasher
  • Davisboro
  • Dawson
  • Dawsonville
  • De Soto
  • Dearing
  • Decatur
  • Deepstep
  • Demorest
  • Denton
  • Dewy Rose
  • Dexter
  • Dillard
  • Dixie
  • Doerun
  • Donalsonville
  • Dooling
  • Doraville
  • Douglas
  • Douglasville
  • Dover
  • Dry Branch
  • Du Pont
  • Dublin
  • Dudley
  • Duluth
  • Dunwoody
  • East Dublin
  • East Ellijay
  • East Point
  • Eastanollee
  • Eastman
  • Eatonton
  • Echols County
  • Eden
  • Edge Hill
  • Edison
  • Elberton
  • Elko
  • Ellabell
  • Ellaville
  • Ellenton
  • Ellenwood
  • Ellerslie
  • Ellijay
  • Emerson
  • Enigma
  • Ephesus
  • Epworth
  • Esom Hill
  • Eton
  • Euharlee
  • Evans
  • Experiment
  • Fairburn
  • Fairmount
  • Fargo
  • Farmington
  • Fayetteville
  • Felton
  • Fitzgerald
  • Fleming
  • Flemington
  • Flintstone
  • Flovilla
  • Flowery Branch
  • Folkston
  • Forest Park
  • Forsyth
  • Fort Benning
  • Fort Gaines
  • Fort Oglethorpe
  • Fort Stewart
  • Fort Valley
  • Fortson
  • Fowlstown
  • Franklin
  • Franklin Springs
  • Funston
  • Gainesville
  • Garden City
  • Garfield
  • Gay
  • Geneva
  • Georgetown
  • Georgetown-Quitman County
  • Gibson
  • Gillsville
  • Girard
  • Glenn
  • Glennville
  • Glenwood
  • Good Hope
  • Gordon
  • Gough
  • Gracewood
  • Graham
  • Grantville
  • Gray
  • Grayson
  • Graysville
  • Greensboro
  • Greenville
  • Griffin
  • Grovetown
  • Gumbranch
  • Guyton
  • Haddock
  • Hagan
  • Hahira
  • Hamilton
  • Hampton
  • Hapeville
  • Haralson
  • Hardwick
  • Harlem
  • Harrison
  • Hartsfield
  • Hartwell
  • Hawkinsville
  • Hazlehurst
  • Helen
  • Helena
  • Hephzibah
  • Hiawassee
  • Higgston
  • High Shoals
  • Hillsboro
  • Hiltonia
  • Hinesville
  • Hiram
  • Hoboken
  • Hogansville
  • Holly Springs
  • Homeland
  • Homer
  • Homerville
  • Hortense
  • Hoschton
  • Howard
  • Hull
  • Ideal
  • Ila
  • Inman
  • Iron City
  • Irwinton
  • Irwinville
  • Ivey
  • Jackson
  • Jacksonville
  • Jakin
  • Jasper
  • Jefferson
  • Jeffersonville
  • Jekyll Island
  • Jenkinsburg
  • Jersey
  • Jesup
  • Jewell
  • Johns Creek
  • Jonesboro
  • Juliette
  • Junction City
  • Kathleen
  • Kennesaw
  • Keysville
  • Kings Bay
  • Kingsland
  • Kingston
  • Kite
  • Knoxville
  • La Fayette
  • Lagrange
  • Lake City
  • Lake Park
  • Lakeland
  • Lakemont
  • Lavonia
  • Lawrenceville
  • Leary
  • Lebanon
  • Leesburg
  • Lenox
  • Leslie
  • Lexington
  • Lilburn
  • Lilly
  • Lincolnton
  • Lindale
  • Lithia Springs
  • Lithonia
  • Lizella
  • Locust Grove
  • Loganville
  • Lone Oak
  • Lookout Mountain
  • Louisville
  • Louvale
  • Lovejoy
  • Ludowici
  • Lula
  • Lumber City
  • Lumpkin
  • Luthersville
  • Lyerly
  • Lyons
  • Mableton
  • Macon
  • Macon-Bibb County
  • Madison
  • Manassas
  • Manchester
  • Manor
  • Mansfield
  • Marble Hill
  • Marietta
  • Marshallville
  • Martin
  • Matthews
  • Mauk
  • Maxeys
  • Maysville
  • McCaysville
  • Mcdonough
  • McIntyre
  • McRae
  • McRae-Helena
  • Meansville
  • Meigs
  • Meldrim
  • Menlo
  • Meridian
  • Mershon
  • Mesena
  • Metter
  • Midland
  • Midville
  • Midway
  • Milan
  • Milledgeville
  • Millen
  • Millwood
  • Milner
  • Milton
  • Mineral Bluff
  • Mitchell
  • Molena
  • Monroe
  • Montezuma
  • Monticello
  • Montrose
  • Moreland
  • Morgan
  • Morganton
  • Morris
  • Morrow
  • Morven
  • Moultrie
  • Mount Airy
  • Mount Berry
  • Mount Vernon
  • Mount Zion
  • Mountain City
  • Mountain Park
  • Murrayville
  • Musella
  • Mystic
  • Nahunta
  • Nashville
  • Naylor
  • Nelson
  • Newborn
  • Newington
  • Newnan
  • Newton
  • Nicholls
  • Nicholson
  • Norcross
  • Norman Park
  • Norristown
  • North High Shoals
  • Norwood
  • Nunez
  • Oak Park
  • Oakfield
  • Oakman
  • Oakwood
  • Ochlocknee
  • Ocilla
  • Oconee
  • Odum
  • Offerman
  • Oglethorpe
  • Oliver
  • Omaha
  • Omega
  • Orchard Hill
  • Oxford
  • Palmetto
  • Parrott
  • Patterson
  • Pavo
  • Peachtree City
  • Peachtree Corners
  • Pearson
  • Pelham
  • Pembroke
  • Pendergrass
  • Perkins
  • Perry
  • Pine Lake
  • Pine Mountain
  • Pine Mountain Valley
  • Pinehurst
  • Pineview
  • Pitts
  • Plainfield
  • Plains
  • Plainville
  • Pooler
  • Port Wentworth
  • Portal
  • Porterdale
  • Poulan
  • Powder Springs
  • Preston
  • Pulaski
  • Putney
  • Quitman
  • Rabun Gap
  • Ranger
  • Ray City
  • Rayle
  • Rebecca
  • Red Oak
  • Redan
  • Register
  • Reidsville
  • Remerton
  • Rentz
  • Resaca
  • Rest Haven
  • Rex
  • Reynolds
  • Rhine
  • Riceboro
  • Richland
  • Richmond Hill
  • Riddleville
  • Rincon
  • Ringgold
  • Rising Fawn
  • Riverdale
  • Roberta
  • Rochelle
  • Rock Spring
  • Rockledge
  • Rockmart
  • Rocky Face
  • Rocky Ford
  • Rome
  • Roopville
  • Rossville
  • Roswell
  • Royston
  • Rupert
  • Rutledge
  • Rydal
  • Saint George
  • Saint Marys
  • Saint Simons Island
  • Sale City
  • Sandersville
  • Sandy Springs
  • Santa Claus
  • Sapelo Island
  • Sardis
  • Sargent
  • Sasser
  • Sautee Nacoochee
  • Savannah
  • Scotland
  • Scottdale
  • Screven
  • Sea Island
  • Senoia
  • Seville
  • Shady Dale
  • Shannon
  • Sharon
  • Sharpsburg
  • Shellman
  • Shiloh
  • Siloam
  • Silver Creek
  • Sky Valley
  • Smarr
  • Smithville
  • Smyrna
  • Snellville
  • Social Circle
  • Soperton
  • South Fulton
  • Sparks
  • Sparta
  • Springfield
  • Stapleton
  • Statenville
  • Statesboro
  • Statham
  • Stephens
  • Stillmore
  • Stockbridge
  • Stockton
  • Stone Mountain
  • Stonecrest
  • Suches
  • Sugar Hill
  • Sugar Valley
  • Summertown
  • Summerville
  • Sumner
  • Sunny Side
  • Surrency
  • Suwanee
  • Swainsboro
  • Sycamore
  • Sylvania
  • Sylvester
  • Talbotton
  • Talking Rock
  • Tallapoosa
  • Tallulah Falls
  • Talmo
  • Tarrytown
  • Tate
  • Taylorsville
  • Temple
  • Tennga
  • Tennille
  • The Rock
  • Thomaston
  • Thomasville
  • Thomson
  • Thunderbolt
  • Tifton
  • Tiger
  • Tignall
  • Toccoa
  • Toomsboro
  • Townsend
  • Trenton
  • Trion
  • Tucker
  • Tunnel Hill
  • Turin
  • Turnerville
  • Twin City
  • Ty Ty
  • Tybee Island
  • Tyrone
  • Unadilla
  • Union City
  • Union Point
  • Upatoi
  • Uvalda
  • Valdosta
  • Valona
  • Varnell
  • Vernonburg
  • Vidalia
  • Vidette
  • Vienna
  • Villa Rica
  • Waco
  • Wadley
  • Waleska
  • Walnut Grove
  • Walthourville
  • Waresboro
  • Warm Springs
  • Warner Robins
  • Warrenton
  • Warthen
  • Warwick
  • Washington
  • Watkinsville
  • Waverly
  • Waverly Hall
  • Waycross
  • Waynesboro
  • Waynesville
  • Webster County
  • West Green
  • West Point
  • Weston
  • Whigham
  • White
  • White Oak
  • White Plains
  • Whitesburg
  • Wildwood
  • Wiley
  • Willacoochee
  • Williamson
  • Winder
  • Winston
  • Winterville
  • Woodbine
  • Woodbury
  • Woodland
  • Woodstock
  • Woodville
  • Woolsey
  • Wray
  • Wrens
  • Wrightsville
  • Yatesville
  • Young Harris
  • Zebulon