Current Hinesville, Georgia CD rates include Wells FargoWells Fargo159 W Hendry St, Hinesville, GA 31313A5.0 ★Texas Ratio: 7.44%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD at 1.51% APY, Marshland Credit UnionMarshland Credit UnionA+5.0 ★Texas Ratio: 1.02%Real return: +1.40%APY minus CPI (February 2026) offering 12-Month Certificate at 4.20% APY, New Millennium BankNew Millennium BankA+5.0 ★Texas Ratio: 3.04%Real return: +1.35%APY minus CPI (February 2026) offering Certificates of Deposit - 12 Month Certificate at 4.15% APY, Georgia Heritage Federal Credit UnionGeorgia Heritage Federal Credit UnionA+5.0 ★Texas Ratio: 3.21%Real return: +1.35%APY minus CPI (February 2026) offering IRA Certificate 36 Months at 4.15% APY, and Workmens Circle Incorporated Credit UnionWorkmens Circle Incorporated Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +1.35%APY minus CPI (February 2026) offering Jumbo - Minimum Deposit of 24 Month Share or IRA Certificate at 4.15% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Hinesville has 11 local institutions in our database, with CD rates as high as 1.51% APY from Wells Fargo at 159 W Hendry St, Hinesville, GA 31313. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Georgia area. Rates are continually updated — 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: August 28, 2026
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Relationship APY 0.06%
Relationship APY 0.06%
Relationship Interest Rate 0.06%
(Fixed Rate)
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. **3 Month Certificate requires a minimum deposit of $5,000.
(90 to 179 days)
Visit Office
Rewards APY 0.60% Regular APY 0.50% Dividend Rate 0.50%
Regular APY 0.50% Dividend Rate 0.50%
Compound Method: Simple
Compound Method: Simple
Relationship APY 0.06%
Relationship APY 0.06%
Relationship Interest Rate 0.05%
Promotional APY is accurate as of July 1, 2026, and is available for a limited time. Offer may be modified or discontinued without notice. Dividends are compounded and credited quarterly. Early withdrawal penalties may reduce earnings. Membership eligibility required.
1
New money deposits required. Special 6-Month Fixed Rate will be fixed for a term of 6-months only. The CD will automatically renew at the then-prevailing published 6-month standard rate and APY at the time of renewal and every renewal period thereafter. Offer Eligibility Requirements: Client must request the Special 6-Month Fixed Rate at account opening. Available only on a new City National Bank Personal CD or City National Bank Business CD. New money is defined as incoming deposits from RBC Rochdale, RBC Securities, or from another financial institution (e.g. via ATM, check, wire transfer, ACH or Zelle), deposited to City National Bank deposit accounts owned by the same client opening the CD, within the previous 30 calendar days prior to CD account opening. Incoming deposits can only be used once for the rate offer and cannot subsequently be counted towards the new money of another Special 6-Month Fixed Rate CD. Offer is available to new and existing personal and business clients only. Large Corporate clients and public fund accounts are not eligible for this Special 6-Month Fixed Rate.
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.
Penalty: 90 Days1
Automatic Renewal
A penalty applies for early withdrawal. Unless otherwise noted: Accounts with a term of one year or less may incur a penalty of the greater of seven days' dividends on the withdrawn amount, all dividends earned up to 90 days, or $25.00. Accounts with a term longer than one year may incur a penalty of the greater of seven days' dividends on the withdrawn amount, all dividends earned up to 180 days, or $25.00. The penalty may be calculated based on the rate at the time of withdrawal and, if necessary, deducted from the principal.
Automatic Renewal to Regular Certificate
(Fixed Rate)
$100,000.00
Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly. Subject to early withdrawal penalty. Automatically renews on the maturity date.
(180 to 269 days)
FL
FL; Dividend Posting: Monthly
GA; Dividend Posting: Monthly
Rewards APY 1.35% Regular APY 1.25% Dividend Rate 1.24%
Regular APY 1.25% Dividend Rate 1.24%
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.
Relationship APY 1.51%
Relationship APY 1.51%
Relationship Interest Rate 1.50%
Promotional APY is accurate as of July 1, 2026, and is available for a limited time. Offer may be modified or discontinued without notice. Dividends are compounded and credited quarterly. Early withdrawal penalties may reduce earnings. Membership eligibility required.
(Fixed Rate)
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.
Minimum to open and obtain APY is $1,000 contract amount (Fixed Rate)
A penalty applies for early withdrawal. Unless otherwise noted: Accounts with a term of one year or less may incur a penalty of the greater of seven days' dividends on the withdrawn amount, all dividends earned up to 90 days, or $25.00. Accounts with a term longer than one year may incur a penalty of the greater of seven days' dividends on the withdrawn amount, all dividends earned up to 180 days, or $25.00. The penalty may be calculated based on the rate at the time of withdrawal and, if necessary, deducted from the principal.
Penalty: 90 Days1
$100,000.00
Automatic Renewal
LIMITED TIME OFFER: EFFECTIVE 10/03/2025
Lock in 3.75% APY* for 12 months and watch your savings grow.
Over $50,000
*
Dividends will be compounded quarterly and will be credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.
Penalty: 120 Days1
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.
A penalty applies for early withdrawal. Unless otherwise noted: Accounts with a term of one year or less may incur a penalty of the greater of seven days' dividends on the withdrawn amount, all dividends earned up to 90 days, or $25.00. Accounts with a term longer than one year may incur a penalty of the greater of seven days' dividends on the withdrawn amount, all dividends earned up to 180 days, or $25.00. The penalty may be calculated based on the rate at the time of withdrawal and, if necessary, deducted from the principal.
Automatic Renewal to Regular Certificate
Automatic Renewal
(Fixed Rate)
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Regular APY 3.45% Dividend Rate 3.40%
Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%
Regular APY 3.30% Dividend Rate 3.25%
FL
FL; Dividend Posting: Monthly
GA; Dividend Posting: Monthly
Compound Method: Quarterly
Compound Method: Quarterly
$100,000.00
Penalty: 180 Days1
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.
Automatic Renewal to Regular Certificate
A penalty applies for early withdrawal. Unless otherwise noted: Accounts with a term of one year or less may incur a penalty of the greater of seven days' dividends on the withdrawn amount, all dividends earned up to 90 days, or $25.00. Accounts with a term longer than one year may incur a penalty of the greater of seven days' dividends on the withdrawn amount, all dividends earned up to 180 days, or $25.00. The penalty may be calculated based on the rate at the time of withdrawal and, if necessary, deducted from the principal.
Over $50,000
(Fixed Rate)
*
FL
FL; Dividend Posting: Monthly
GA; Dividend Posting: Monthly
Rewards APY 2.60% Regular APY 2.34% Dividend Rate 2.32%
Penalty: 180 Days1
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.
LIMITED TIME OFFER: EFFECTIVE 10/03/2025
*
APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Rate may change twice during the term. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10%). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months).
FL
FL; Dividend Posting: Monthly
GA; Dividend Posting: Monthly
Rewards APY 2.75% Regular APY 2.49% Dividend Rate 2.47%
Regular APY 2.49% Dividend Rate 2.47%
Rewards APY 2.75% Regular APY 2.49% Dividend Rate 2.47%
Regular APY 2.49% Dividend Rate 2.47%
(Fixed Rate)
Minimum to open and obtain APY is $1,000 contract amount (Fixed Rate)
Penalty: 180 Days1
Automatic Renewal to Regular Certificate
Automatic Renewal
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.
*
FL
FL; Dividend Posting: Monthly
GA; Dividend Posting: Monthly
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Regular APY 2.64% Dividend Rate 2.61%
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Regular APY 2.64% Dividend Rate 2.61%
(Fixed Rate)
Visit Office
Compound Method: Quarterly
Compound Method: Quarterly
Penalty: 180 Days1
Automatic Renewal to Regular Certificate
Automatic Renewal
*
APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Rate may change twice during the term. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25%). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Rate will adjust to current rate for like fixed rate certificate term less a margin (.25% for 60 months).
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Regular APY 2.84% Dividend Rate 2.81%
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Regular APY 2.84% Dividend Rate 2.81%
A penalty applies for early withdrawal. Unless otherwise noted: Accounts with a term of one year or less may incur a penalty of the greater of seven days' dividends on the withdrawn amount, all dividends earned up to 90 days, or $25.00. Accounts with a term longer than one year may incur a penalty of the greater of seven days' dividends on the withdrawn amount, all dividends earned up to 180 days, or $25.00. The penalty may be calculated based on the rate at the time of withdrawal and, if necessary, deducted from the principal.
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.
(Fixed Rate)
Compare local Hinesville, GA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Georgia 12-month CD rates fell 0.995 points over the past 7 days to 1.971% APY.
Georgia 6-month CD rates fell 1.765 points over the past 7 days to 1.017% APY.
Where are Georgia CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Annual interest earnings at today’s Georgia average APYs. State average used where available; national average as fallback.
| CD Term | GA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.618% | $30.90 | $61.81 | $154.53 | $309.05 |
| 6-Month CD | 1.017% | $50.85 | $101.69 | $254.23 | $508.45 |
| 12-Month CD | 1.971% | $98.57 | $197.14 | $492.85 | $985.70 |
| 18-Month CD | 2.997% | $149.87 | $299.73 | $749.33 | $1,498.65 |
| 24-Month CD | 2.902% | $145.08 | $290.15 | $725.38 | $1,450.75 |
| 36-Month CD | 2.665% | $133.26 | $266.51 | $666.28 | $1,332.55 |
| 48-Month CD | 2.698% | $134.90 | $269.80 | $674.50 | $1,349.00 |
| 60-Month CD | 2.828% | $141.39 | $282.78 | $706.95 | $1,413.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
$25,000 split equally across 5 terms using today’s Georgia average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | GA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.618% | $30.90 |
| 2 | 6-Month CD | $5,000 | 1.017% | $50.85 |
| 3 | 12-Month CD | $5,000 | 1.971% | $98.57 |
| 4 | 24-Month CD | $5,000 | 2.902% | $145.08 |
| 5 | 36-Month CD | $5,000 | 2.665% | $133.26 |
| Total ($25,000 invested) | $25,000 | 1.835% blended | $458.66/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.
MonitorBankRates tracks 358 CD rates from 11 banks and 35 credit unions with locations in Hinesville, Georgia, plus national online institutions available to Georgia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Wells Fargo offers a CD at 1.51% APY with a minimum deposit of $2,500. Use the rate table above to compare all current offers in Hinesville, Georgia.
What to compare when shopping for a CD in Hinesville, Georgia
To find the best APYs in Hinesville, Georgia, start with credit unions and online-only banks — Hinesville, Georgia has 35 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.
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
8.7% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 6.9% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s GA 12-month CD average of 1.971%, saving 10% of the local median salary ($4,018/year) and putting it in a CD would earn an additional $79 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
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 Hinesville, 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 Hinesville, Georgia as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Hinesville, Georgia savers easier access to their funds. For example, Wells Fargo is offering its 6 month Standard Interest Rate at 0.06% 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 4.15% 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.
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 Hinesville, 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.
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 Hinesville, Georgia CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Hinesville, 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.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Hinesville, Georgia rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
At today’s GA top rate of 1.51% APY, a $10,000 deposit earns $151 in the first year. Enter your amount to see your exact return.
Hinesville, Georgia CD LadderGA CD rates currently range from 0.618% (3-month) to 2.665% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Hinesville, Georgia CD at 1.51% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsGeorgia’s average 12-month CD is 1.971% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hinesville, 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 Hinesville, 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 Hinesville, 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.