Jefferson, Georgia Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Jefferson, Georgia CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Jefferson, Georgia CD rates include Peach State Federal Credit UnionPeach State Federal Credit Union948 Lee St, Jefferson, GA 30549A+5.0 ★Texas Ratio: 2.27%Real return: +1.10%APY minus CPI (February 2026) offering 1 Year Advantage Share Certificate at 3.90% APY, Lanier Federal Credit UnionLanier Federal Credit Union960 Lee St Ste 100, Jefferson, GA 30549 6323A+5.0 ★Texas Ratio: 4.39%Real return: +0.70%APY minus CPI (February 2026) offering Traditional Share Certificates - 12 Month CD (GROWTH CD ) at 3.50% APY, My Georgia Credit UnionMy Georgia Credit Union1681 Old Pendergrass Rd, Jefferson, GA 30549 2718A+5.0 ★Texas Ratio: 2.90%Real return: +0.70%APY minus CPI (February 2026) offering 12 Month CD at 3.50% APY, United BankUnited Bank1420 Winder Hwy, Jefferson, GA 30549A+5.0 ★Texas Ratio: 2.15%Real return: -0.80%APY minus CPI (February 2026) offering 1 Year CD at 2.00% APY, and Wells FargoWells Fargo135 Sycamore St, Jefferson, GA 30549A+5.0 ★Texas Ratio: 5.36%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate at 1.51% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Jefferson has 35 local institutions in our database, with CD rates as high as 3.90% APY from Peach State Federal Credit Union at 948 Lee St, Jefferson, GA 30549. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Georgia area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Jefferson, Georgia & the Surrounding Area
Jefferson 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1420 Winder Hwy, Jefferson, GA 30549
3 Month CD
$500
0.50%
▼ 1.36% below Georgia avg
▼
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
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
135 Sycamore St, Jefferson, GA 30549
3 month Standard Fixed Rate
$2,500
0.06%
▼ 1.80% below Georgia avg
▼
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
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
135 Sycamore St, Jefferson, GA 30549
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.80% below Georgia avg
▼
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
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
135 Sycamore St, Jefferson, GA 30549
3 month Standard Fixed Rate
$2,500
0.05%
▼ 1.81% below Georgia avg
▼
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
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58%
▲ 2.72% above Georgia avg
▼
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%
- 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%
Certificates of Deposit - 3 Month Certificate
$500
3.75%
▲ 1.89% above Georgia avg
▼
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
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75%
▲ 1.89% above Georgia avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.86%▲ 1.89% above avgNationally 2.09%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000; Rate = dividend rate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70%
▲ 1.84% above Georgia avg
▼
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
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60%
▲ 1.74% above Georgia avg
▼
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
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60%
▲ 1.74% above Georgia avg
▼
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
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3-Month CD
$0
3.25%
▲ 1.39% above Georgia avg
▼
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
First Arkansas Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
90-day cd
$500
3.20%
▲ 1.34% above Georgia avg
▼
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
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3 Month Certificates of Deposit
$1,000
3.05%
▲ 1.19% above Georgia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.86%▲ 1.19% above avgNationally 2.09%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3 Month Certificate
$0
2.94%
▲ 1.08% above Georgia avg
▼
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
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
90 Day Certificate
$1,000
2.65%
▲ 0.79% above Georgia avg
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.86%▲ 0.79% above avgNationally 2.09%
Details
Certificate & IRA Certificate Rates; IRA Certificates earn dividends based on the term selected; minimum opening balance $1,000 to earn dividends; CU Succeed account holders may open with $500; early withdrawal penalty 90 days interest
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 7 times
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Month Certificate
$500
2.50%
▲ 0.64% above Georgia avg
▼
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
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA Certificate 3-Month
$0
2.27%
▲ 0.41% above Georgia avg
▼
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
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00%
▲ 0.14% above Georgia avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.31% below Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.86%▼ 0.31% below avgNationally 2.09%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificates - 3 Month
$500
1.51%
▼ 0.35% below Georgia avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.86%▼ 0.35% below avgNationally 2.09%
Details
Dividends simple calculation; $500 minimum deposit required on all certificates
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.36% below Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.86%▼ 0.36% below avgNationally 2.09%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
3 Month Share Certificate - Regular Accounts
$0
1.26%
▼ 0.60% below Georgia avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.86%▼ 0.60% below avgNationally 2.09%
Details
Rate History
No change since Sep 22, 2026 · 1.26% APY · checked 5 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 3 month
$100,000
1.12%
▼ 0.74% below Georgia avg
▼
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
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 3 month
$100,000
1.12%
▼ 0.74% below Georgia avg
▼
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
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 3 month
$500
1.02%
▼ 0.84% below Georgia avg
▼
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%
- 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%
Traditional and Roth IRA Certificate - 3 month
$500
1.02%
▼ 0.84% below Georgia avg
▼
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
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 90 Days
$0
1.00%
▼ 0.86% below Georgia avg
▼
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
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Month Certificate
$5,000
0.75%
▼ 1.11% below Georgia avg
▼
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
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
90 Day Certificate
$0
0.65%
▼ 1.21% below Georgia avg
▼
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
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Rewards
$0
0.60%
▼ 1.26% below Georgia avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.86%▼ 1.26% below avgNationally 2.09%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3 Month CD
$500
0.50%
▼ 1.36% below Georgia avg
▼
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
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Regular
$0
0.50%
▼ 1.36% below Georgia avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.86%▼ 1.36% below avgNationally 2.09%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD - 3-month term
$0
0.50%
▼ 1.36% below Georgia avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.86%▼ 1.36% below avgNationally 2.09%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 0.60% → 0.50% ▼ 0.10 pts · high 0.60% / low 0.50%
- Oct 14, 20260.50%▼ from 0.60%
- Sep 14, 20260.60%first recorded
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Certificates of Deposit - 90 Day
$0
0.30%
▼ 1.56% below Georgia avg
▼
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
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Business Certificates of Deposit - 90 Day
$500
0.20%
▼ 1.66% below Georgia avg
▼
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
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Standard Certificate - 3 Month
$0
0.15%
▼ 1.71% below Georgia avg
▼
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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.03%
▼ 1.83% below Georgia avg
▼
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
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
90 Day CD
$500
0.03%
▼ 1.83% below Georgia avg
▼
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
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
90 Day Jumbo CD
$100,000
0.03%
▼ 1.83% below Georgia avg
▼
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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.02%
▼ 1.84% below Georgia avg
▼
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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.01%
▼ 1.85% below Georgia avg
▼
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
Jefferson 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
948 Lee St, Jefferson, GA 30549
6 Month Term Share Certificate (or CD)
$0
3.50%
▲ 0.59% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.59% above avgNationally 2.77%
Details
Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.50% APY
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
960 Lee St Ste 100, Jefferson, GA 30549 6323
Traditional Share Certificates - 6 Month CD
$500
3.30%
▲ 0.39% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.39% above avgNationally 2.77%
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
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1420 Winder Hwy, Jefferson, GA 30549
6 Month CD
$500
1.75%
▼ 1.16% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.91%▼ 1.16% below avgNationally 2.77%
Details
Rate History
No change since Sep 9, 2026 · 1.75% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
135 Sycamore St, Jefferson, GA 30549
6 month Standard Fixed Rate
$2,500
0.06%
▼ 2.85% below Georgia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.91%▼ 2.85% below avgNationally 2.77%
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
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
135 Sycamore St, Jefferson, GA 30549
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.85% below Georgia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.91%▼ 2.85% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
135 Sycamore St, Jefferson, GA 30549
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.86% below Georgia avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.91%▼ 2.86% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30%
▲ 1.39% above Georgia avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.91%▲ 1.39% above avgNationally 2.77%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate - 6 Months
$0
4.20%
▲ 1.29% above Georgia avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.91%▲ 1.29% above avgNationally 2.77%
Details
Penalty: 90 Days1
Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 6 Months
$0
4.20%
▲ 1.29% above Georgia avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.91%▲ 1.29% above avgNationally 2.77%
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%
- 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%
6 Month CD
$1,000
4.15%
▲ 1.24% above Georgia avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.91%▲ 1.24% above avgNationally 2.77%
Details
$1,000,000 max opening deposit. Early withdrawal penalty may apply.
Rate History
No change since Sep 29, 2026 · 4.15% APY · checked 5 times
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6 Month Business Share Certificates
$1,000
4.15%
▲ 1.24% above Georgia avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.91%▲ 1.24% above avgNationally 2.77%
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%
- 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%
Share Certificates - 6 Months
$1,000
4.15%
▲ 1.24% above Georgia avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.91%▲ 1.24% above avgNationally 2.77%
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%
- 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%
6 Month Certificate
$500
4.10%
▲ 1.19% above Georgia avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.91%▲ 1.19% above avgNationally 2.77%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- 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%
6 Month Share Certificate - Regular Accounts
$0
4.06%
▲ 1.15% above Georgia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.91%▲ 1.15% above avgNationally 2.77%
Details
Rate History
No change since Sep 22, 2026 · 4.06% APY · checked 5 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate
$0
4.00%
▲ 1.09% above Georgia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
6-Month CD
$1,000
4.00%
▲ 1.09% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.91%▲ 1.09% above avgNationally 2.77%
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%
- 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%
6 Month Certificate of Deposit
$0
4.00%
▲ 1.09% above Georgia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Effective May 28, 2025; penalty imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.00% APY
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 6 Months
$0
4.00%
▲ 1.09% above Georgia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificates - 6 Month Share or IRA Certificate
$100,000
4.00%
▲ 1.09% above Georgia avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Jumbo - Minimum Deposit of $100,000.00
Rate History
No change since Oct 14, 2026 · 4.00% APY
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Share Certificate - 180 Days
$500
4.00%
▲ 1.09% above Georgia avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$500
3.95%
▲ 1.04% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 1.04% above avgNationally 2.77%
Details
Automatic Renewal; Paid at End of Term
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6 Month Certificate
$500
3.80%
▲ 0.89% above Georgia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.91%▲ 0.89% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 6-Months
$1,000
3.75%
▲ 0.84% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.91%▲ 0.84% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Certificates of Deposit - 6 Month Certificate
$500
3.75%
▲ 0.84% above Georgia avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.91%▲ 0.84% above avgNationally 2.77%
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
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
6 Month Certificate of Deposit
$1,000
3.75%
▲ 0.84% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.91%▲ 0.84% above avgNationally 2.77%
Details
Featured CD Rate; Rates effective as of 10.13.26; Minimum deposit and balance to earn APY is $1,000
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
6 Month Certificates of Deposit
$1,000
3.75%
▲ 0.84% above Georgia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.91%▲ 0.84% above avgNationally 2.77%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.84% above Georgia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.91%▲ 0.84% above avgNationally 2.77%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
6 Month Certificate of Deposit Accounts
$0
3.70%
▲ 0.79% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.79% above avgNationally 2.77%
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%
- 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%
Certificate of Deposit Accounts - 6 Month
$1,000
3.70%
▲ 0.79% above Georgia avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.79% above avgNationally 2.77%
Details
Rate History
No change since Oct 13, 2026 · 3.70% APY
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
6 Month Certificate
$1,000
3.70%
▲ 0.79% above Georgia avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.91%▲ 0.79% above avgNationally 2.77%
Details
Certificate & IRA Certificate Rates; IRA Certificates earn dividends based on the term selected; minimum opening balance $1,000 to earn dividends; CU Succeed account holders may open with $500; early withdrawal penalty 90 days interest
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Standard CD - 6 Month
$0
3.70%
▲ 0.79% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.91%▲ 0.79% above avgNationally 2.77%
Details
Balance: $500 to $100,000; Tier Structure: $500 to $100,000
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
- 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%
6 Month Share Certificate
$500
3.65%
▲ 0.74% above Georgia avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.91%▲ 0.74% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
6 Month Business Share Certificate/CD
$1,000
3.65%
▲ 0.74% above Georgia avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.74% above avgNationally 2.77%
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
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
6 Month Regular and IRA Certificate of Deposit
$1,000
3.65%
▲ 0.74% above Georgia avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.74% above avgNationally 2.77%
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
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 6 months
$0
3.65%
▲ 0.74% above Georgia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.74% above avgNationally 2.77%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 17, 2026 · 3.65% APY · checked 7 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 6 months
$0
3.65%
▲ 0.74% above Georgia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.74% above avgNationally 2.77%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 3.65% APY
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
6 Month Share Certificates/CDs
$500
3.60%
▲ 0.69% above Georgia avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.91%▲ 0.69% above avgNationally 2.77%
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
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificates - 6 months
$0
3.55%
▲ 0.64% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.64% above avgNationally 2.77%
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
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Member Merits (Gold) 6 Month Certificate
$0
3.55%
▲ 0.64% above Georgia avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.64% above avgNationally 2.77%
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
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Certificate
$0
3.50%
▲ 0.59% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.59% above avgNationally 2.77%
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%
- 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%
Business 6 Month Certificate
$0
3.50%
▲ 0.59% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.59% above avgNationally 2.77%
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
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share or IRA Certificate
$1,000
3.50%
▲ 0.59% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.91%▲ 0.59% above avgNationally 2.77%
Details
Standard tier; Minimum Deposit of $1,000.00
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- 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%
Share Certificates - 6 Month
$500
3.50%
▲ 0.59% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.91%▲ 0.59% above avgNationally 2.77%
Details
Dividends simple calculation; $500 minimum deposit required on all certificates
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
6 Month IRA Certificate
$0
3.45%
▲ 0.54% above Georgia avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.91%▲ 0.54% above avgNationally 2.77%
Details
Rate History
No change since Sep 29, 2026 · 3.45% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
6 Month Share Certificates
$0
3.45%
▲ 0.54% above Georgia avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.91%▲ 0.54% above avgNationally 2.77%
Details
Rate History
No change since Sep 29, 2026 · 3.45% APY
Go Energy Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
6 Month Certificate Accounts
$0
3.35%
▲ 0.44% above Georgia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.91%▲ 0.44% above avgNationally 2.77%
Details
Balance to earn APY: $1,000; Effective as of July 1, 2025; Fixed rate for term; Dividends compounded monthly
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month CD
$0
3.35%
▲ 0.44% above Georgia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.91%▲ 0.44% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month Safari Club CD
$0
3.35%
▲ 0.44% above Georgia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.91%▲ 0.44% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
6-Month Jumbo CD
$0
3.35%
▲ 0.44% above Georgia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.44% above avgNationally 2.77%
Details
Jumbo CD; Dividend Rate***: 3.30%
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6 Month JUMBO Regular & IRA Certificates
$100,000
3.33%
▲ 0.42% above Georgia avg
▼
Rate3.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.91%▲ 0.42% above avgNationally 2.77%
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
Jefferson 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
948 Lee St, Jefferson, GA 30549
1 Year Advantage Share Certificate
$0
3.90%
▲ 0.68% above Georgia avg
▼
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%
- 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%
948 Lee St, Jefferson, GA 30549
1 Year Loyalty Term Share Certificate (or CD)
$0
3.90%
▲ 0.68% above Georgia avg
▼
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
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
948 Lee St, Jefferson, GA 30549
1 Year Term Share Certificate (or CD)
$0
3.75%
▲ 0.53% above Georgia avg
▼
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
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
948 Lee St, Jefferson, GA 30549
1 Year Freedom Term Share Certificate (or CD)
$0
3.65%
▲ 0.43% above Georgia avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.43% above avgNationally 2.99%
Details
Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.65% APY
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
960 Lee St Ste 100, Jefferson, GA 30549 6323
Traditional Share Certificates - 12 Month CD (GROWTH CD )
$500
3.50%
▲ 0.28% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.22%▲ 0.28% above avgNationally 2.99%
Details
Effective 5/01/2026; Limitations: Term Deposit; Traditional IRA, Roth IRA, Educational IRA
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
My Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
1681 Old Pendergrass Rd, Jefferson, GA 30549 2718
12 Month CD
$1,000
3.50%
▲ 0.28% above Georgia avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.28% above avgNationally 2.99%
Details
Interest rates are fixed with interest credited at maturity; additional deposits are not allowed; early withdrawal penalty applies; CD can be set to automatically renew at the current rates available at the time of maturity; rates effective as of 06/01/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1420 Winder Hwy, Jefferson, GA 30549
1 Year CD
$500
2.00%
▼ 1.22% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.22%▼ 1.22% below avgNationally 2.99%
Details
Rate History
No change since Sep 9, 2026 · 2.00% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
135 Sycamore St, Jefferson, GA 30549
1 year Standard Fixed Rate
$2,500
1.51%
▼ 1.71% below Georgia avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.22%▼ 1.71% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
- Oct 7, 20261.51%▲ from 1.50%
- Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
135 Sycamore St, Jefferson, GA 30549
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.71% below Georgia avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.22%▼ 1.71% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Relationship APY 1.51%
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
135 Sycamore St, Jefferson, GA 30549
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.72% below Georgia avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.22%▼ 1.72% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Family Legacy Certificate Account
$0
5.00%
▲ 1.78% above Georgia avg
▼
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%
- 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%
12 Month Certificate - STUDENT Accounts
$100
5.00%
▲ 1.78% above Georgia avg
▼
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
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12 Month Rewards Certificate
$1,000
4.59%
▲ 1.37% above Georgia avg
▼
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%
- 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%
12 Month Business Share Certificates
$1,000
4.50%
▲ 1.28% above Georgia avg
▼
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%
- 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%
Share Certificates - 12 Months
$1,000
4.50%
▲ 1.28% above Georgia avg
▼
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%
- 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%
Share Certificates - 12 Month Share or IRA Certificate
$100,000
4.40%
▲ 1.18% above Georgia avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 1.18% above avgNationally 2.99%
Details
Jumbo - Minimum Deposit of $100,000.00
Rate History
No change since Oct 14, 2026 · 4.40% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.13% above Georgia avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 1.13% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate - 12 Months
$0
4.35%
▲ 1.13% above Georgia avg
▼
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
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 12 Months
$0
4.35%
▲ 1.13% above Georgia avg
▼
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%
- 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%
12 Month Certificate
$500
4.30%
▲ 1.08% above Georgia avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 1.08% above avgNationally 2.99%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
- 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%
12 Month CD
$1,000
4.25%
▲ 1.03% above Georgia avg
▼
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
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Certificates of Deposit - 12 Month Certificate
$500
4.25%
▲ 1.03% above Georgia avg
▼
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%
- 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%
Special 12-Month Fixed Rate
$0
4.11%
▲ 0.89% above Georgia avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.88% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.88% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
12-Month CD
$1,000
4.10%
▲ 0.88% above Georgia avg
▼
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%
- 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%
Share Certificate - 12 Months
$500
4.10%
▲ 0.88% above Georgia avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.88% above avgNationally 2.99%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12 Month Rewards Certificate
$1,000
4.07%
▲ 0.85% above Georgia avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.83% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.83% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.78% above Georgia avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month CD
$1,000
4.00%
▲ 0.78% above Georgia avg
▼
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%
- 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%
Millennium Club Account - 1 Year Term
$1,000
4.00%
▲ 0.78% above Georgia avg
▼
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
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
Certificate of Deposit Accounts - 12 Month
$1,000
4.00%
▲ 0.78% above Georgia avg
▼
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
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 12 Months
$0
4.00%
▲ 0.78% above Georgia avg
▼
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
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
12 mo. IRA CD
$0
4.00%
▲ 0.78% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Balance: $500 and above
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- 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%
12 mo. Jumbo CD
$0
4.00%
▲ 0.78% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 10, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificates - 1 Year
$500
4.00%
▲ 0.78% above Georgia avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Dividends compounded quarterly; $500 minimum deposit required on all certificates
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Go Energy Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1 Year Certificate Accounts
$0
4.00%
▲ 0.78% above Georgia avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Balance to earn APY: $1,000; Effective as of July 1, 2025; Fixed rate for term; Dividends compounded monthly
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.78% above Georgia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Standard CD - 12 Month
$0
3.95%
▲ 0.73% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.73% above avgNationally 2.99%
Details
Balance: $500 to $100,000; Tier Structure: $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%
- Oct 10, 20263.95%▲ from 3.70%
- Sep 14, 20263.70%first recorded
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificate
$500
3.90%
▲ 0.68% above Georgia avg
▼
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
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificates - 12 months
$0
3.85%
▲ 0.63% above Georgia avg
▼
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
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1 Year CD
$0
3.85%
▲ 0.63% above Georgia avg
▼
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%
- 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%
1 Year IRA CD
$0
3.85%
▲ 0.63% above Georgia avg
▼
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%
- 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%
1 Year Trust CD
$0
3.85%
▲ 0.63% above Georgia avg
▼
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%
- 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%
Tax Factor 1 Year CD
$0
3.85%
▲ 0.63% above Georgia avg
▼
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%
- 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%
12 Month Certificate
$1,000
3.85%
▲ 0.63% above Georgia avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details
Certificate & IRA Certificate Rates; IRA Certificates earn dividends based on the term selected; minimum opening balance $1,000 to earn dividends; CU Succeed account holders may open with $500; early withdrawal penalty 90 days interest
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12 Month Share Certificate - Regular Accounts
$0
3.85%
▲ 0.63% above Georgia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details
Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 5 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12 Month Share Certificate - Roth or Traditional IRA
$0
3.85%
▲ 0.63% above Georgia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details
IRA certificate; term limited to 12, 24, 36, 48 or 60 months
Rate History
No change since Oct 14, 2026 · 3.85% APY
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
12 Month Certificate Special
$500
3.82%
▲ 0.60% above Georgia avg
▼
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
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
12 Month Share Certificate
$500
3.80%
▲ 0.58% above Georgia avg
▼
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
Jefferson 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1420 Winder Hwy, Jefferson, GA 30549
18 Month CD
$500
1.80%
▼ 1.28% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.08%▼ 1.28% below avgNationally 2.88%
Details
Rate History
No change since Sep 9, 2026 · 1.80% APY · checked 3 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate - 18 Months
$0
4.45%
▲ 1.37% above Georgia avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.08%▲ 1.37% above avgNationally 2.88%
Details
Penalty: 120 Days1
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 18 Months
$0
4.45%
▲ 1.37% above Georgia avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.08%▲ 1.37% above avgNationally 2.88%
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%
- 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%
18 Month Certificate
$500
4.40%
▲ 1.32% above Georgia avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 1.32% above avgNationally 2.88%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- 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%
18 Month Business Share Certificates
$1,000
4.25%
▲ 1.17% above Georgia avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.08%▲ 1.17% 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 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- 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%
Share Certificates - 18 Months
$1,000
4.25%
▲ 1.17% above Georgia avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.08%▲ 1.17% above avgNationally 2.88%
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%
- 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%
18-Month CD
$1,000
4.20%
▲ 1.12% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.08%▲ 1.12% above avgNationally 2.88%
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.07% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 1.07% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificates - 18 Month
$500
4.15%
▲ 1.07% above Georgia avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 1.07% above avgNationally 2.88%
Details
Dividends compounded quarterly; $500 minimum deposit required on all certificates
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 1.02% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 1.02% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
18 Month Certificate of Deposit
$1,000
4.00%
▲ 0.92% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 0.92% above avgNationally 2.88%
Details
Featured CD Rate; Rates effective as of 10.13.26; Minimum deposit and balance to earn APY is $1,000
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 4 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
18 Month Certificates of Deposit
$1,000
4.00%
▲ 0.92% above Georgia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 0.92% above avgNationally 2.88%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 Month Certificate of Deposit
$500
3.95%
▲ 0.87% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.08%▲ 0.87% 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 · 3.95% APY · checked 2 times
Mutual Savings Credit Union
18 Month Certificate of Deposit
$0
3.95%
▲ 0.87% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average3.08%▲ 0.87% above avgNationally 2.88%
Details
APY*
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.80%
▲ 0.72% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.08%▲ 0.72% above avgNationally 2.88%
Details
Automatic Renewal; Paid at End of Term
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 0.72% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 0.72% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular APY
$0
3.80%
▲ 0.72% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 0.72% above avgNationally 2.88%
Details
Regular APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards APY
$0
3.80%
▲ 0.72% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 0.72% above avgNationally 2.88%
Details
Rewards APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.80%
▲ 0.72% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 0.72% above avgNationally 2.88%
Details
Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 14, 20263.80%▲ from 3.65%
- Sep 27, 20263.65%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.62% above Georgia avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 0.62% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA Certificate 18-Month
$0
3.66%
▲ 0.58% above Georgia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.08%▲ 0.58% above avgNationally 2.88%
Details
Dividend Rate with APY shown in IRA Certificates table
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month Certificate
$1,000
3.65%
▲ 0.57% above Georgia avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 0.57% above avgNationally 2.88%
Details
Certificate & IRA Certificate Rates; IRA Certificates earn dividends based on the term selected; minimum opening balance $1,000 to earn dividends; CU Succeed account holders may open with $500; early withdrawal penalty 180 days interest
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18-Month Jumbo CD
$0
3.61%
▲ 0.53% above Georgia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.08%▲ 0.53% above avgNationally 2.88%
Details
Jumbo CD; Dividend Rate***: 3.55%
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 7 times
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
18 Month Share and IRA Certificate
$500
3.56%
▲ 0.48% above Georgia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.08%▲ 0.48% above avgNationally 2.88%
Details
Dividends compounded and credited quarterly
Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 3 times
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
Share and IRA Certificate - 18 months
$500
3.56%
▲ 0.48% above Georgia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.08%▲ 0.48% 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
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Certificates of Deposit - 18 Month Certificate
$500
3.50%
▲ 0.42% above Georgia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.08%▲ 0.42% above avgNationally 2.88%
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
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
18 Month CD
$500
3.50%
▲ 0.42% above Georgia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.08%▲ 0.42% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Certificate
$500
3.50%
▲ 0.42% above Georgia avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.08%▲ 0.42% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
IRA Certificate - 18 Months
$0
3.50%
▲ 0.42% above Georgia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.08%▲ 0.42% above avgNationally 2.88%
Details
IRA
Rate History
No change since Oct 13, 2026 · 3.50% APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
18 Month Share Certificate - Regular Accounts
$0
3.50%
▲ 0.42% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 0.42% above avgNationally 2.88%
Details
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
18 Month Certificate
$0
3.46%
▲ 0.38% above Georgia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.08%▲ 0.38% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 18 month
$100,000
3.41%
▲ 0.33% above Georgia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.08%▲ 0.33% 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
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 18 month
$100,000
3.41%
▲ 0.33% above Georgia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.08%▲ 0.33% 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
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificates - 18 months
$0
3.40%
▲ 0.32% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.08%▲ 0.32% 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 · 3.40% APY · checked 8 times
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18 Month IRA Certificate
$0
3.35%
▲ 0.27% above Georgia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average3.08%▲ 0.27% above avgNationally 2.88%
Details
Rate History
No change since Sep 29, 2026 · 3.35% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18 Month Share Certificates
$0
3.35%
▲ 0.27% above Georgia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average3.08%▲ 0.27% above avgNationally 2.88%
Details
Rate History
No change since Sep 29, 2026 · 3.35% APY
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Share Certificate - 18 Months
$500
3.35%
▲ 0.27% above Georgia avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 0.27% above avgNationally 2.88%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 18 month
$500
3.31%
▲ 0.23% above Georgia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.08%▲ 0.23% 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%
- 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%
Traditional and Roth IRA Certificate - 18 month
$500
3.31%
▲ 0.23% above Georgia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.08%▲ 0.23% above avgNationally 2.88%
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
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Member Merits (Gold) 18 Month Certificate
$0
3.30%
▲ 0.22% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.08%▲ 0.22% above avgNationally 2.88%
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
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Certificate
$0
3.25%
▲ 0.17% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.08%▲ 0.17% above avgNationally 2.88%
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%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business 18 Month Certificate
$0
3.25%
▲ 0.17% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.08%▲ 0.17% above avgNationally 2.88%
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
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
18-Month Term Share Certificate
$500
3.25%
▲ 0.17% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 0.17% above avgNationally 2.88%
Details
Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Dividend Period: Quarterly
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 2 times
Go Energy Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
18 Month Certificate Accounts
$0
3.20%
▲ 0.12% above Georgia avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▲ 0.12% above avgNationally 2.88%
Details
Balance to earn APY: $1,000; Effective as of July 1, 2025; Fixed rate for term; Dividends compounded monthly
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
IRA 18 Months
$250
3.05%
▼ 0.03% below Georgia avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.08%▼ 0.03% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Loyal Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
18 Month CD
$1,000
3.00%
▼ 0.08% below Georgia avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.08%▼ 0.08% below avgNationally 2.88%
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
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
18 Month Share Certificate
$0
3.00%
▼ 0.08% below Georgia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average3.08%▼ 0.08% below avgNationally 2.88%
Details
Certificate Rates; Interest compounded monthly
Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 3 times
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
18 Month Certificate
$0
2.90%
▼ 0.18% below Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.08%▼ 0.18% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Business CD
$1,000
2.75%
▼ 0.33% below Georgia avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▼ 0.33% below avgNationally 2.88%
Details
FL; Dividend Posting: Monthly
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month CD
$0
2.75%
▼ 0.33% below Georgia avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average3.08%▼ 0.33% below avgNationally 2.88%
Details
GA; Dividend Posting: Monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
Jefferson 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
948 Lee St, Jefferson, GA 30549
2 Year Loyalty Term Share Certificate (or CD)
$0
3.50%
▲ 0.53% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 0.53% 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
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
948 Lee St, Jefferson, GA 30549
2 Year Term Share Certificate (or CD)
$0
3.35%
▲ 0.38% above Georgia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 0.38% above avgNationally 2.88%
Details
Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.35% APY
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
960 Lee St Ste 100, Jefferson, GA 30549 6323
Traditional Share Certificates - 24 Month CD
$500
2.75%
▼ 0.22% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▼ 0.22% below avgNationally 2.88%
Details
Effective 5/01/2026; Limitations: Term Deposit; Traditional IRA, Roth IRA, Educational IRA
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1420 Winder Hwy, Jefferson, GA 30549
2 Year CD
$500
1.80%
▼ 1.17% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.97%▼ 1.17% below avgNationally 2.88%
Details
Rate History
No change since Sep 9, 2026 · 1.80% APY · checked 3 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate - 24 Months
$0
4.50%
▲ 1.53% above Georgia avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.97%▲ 1.53% above avgNationally 2.88%
Details
Penalty: 180 Days1
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 24 Months
$0
4.50%
▲ 1.53% above Georgia avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.97%▲ 1.53% 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%
- 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%
Share Certificates - 24 Month Share or IRA Certificate
$100,000
4.50%
▲ 1.53% above Georgia avg
▼
Rate4.41%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.97%▲ 1.53% above avgNationally 2.88%
Details
Jumbo - Minimum Deposit of $100,000.00
Rate History
No change since Oct 14, 2026 · 4.50% APY
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month 3-Step Share Certificate
$0
4.40%
▲ 1.43% above Georgia avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.97%▲ 1.43% 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
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Month Certificate
$500
4.25%
▲ 1.28% above Georgia avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.97%▲ 1.28% above avgNationally 2.88%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- 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%
Share Certificate - 24 Months
$500
4.20%
▲ 1.23% above Georgia avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.97%▲ 1.23% above avgNationally 2.88%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
24 Month Business Share Certificates
$1,000
4.00%
▲ 1.03% above Georgia avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.97%▲ 1.03% 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%
- 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%
Share Certificates - 24 Months
$1,000
4.00%
▲ 1.03% above Georgia avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.97%▲ 1.03% 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%
- 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%
24 Month Business Share Certificate/CD
$1,000
4.00%
▲ 1.03% above Georgia avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 1.03% 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
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Regular and IRA Certificate of Deposit
$1,000
4.00%
▲ 1.03% above Georgia avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 1.03% 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
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 24 months
$0
4.00%
▲ 1.03% above Georgia avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 1.03% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 24 months
$0
4.00%
▲ 1.03% above Georgia avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 1.03% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 4.00% APY
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Year CD
$0
4.00%
▲ 1.03% above Georgia avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.97%▲ 1.03% 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%
- 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%
2 Year IRA CD
$0
4.00%
▲ 1.03% above Georgia avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.97%▲ 1.03% 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%
- 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%
2 Year Trust CD
$0
4.00%
▲ 1.03% above Georgia avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.97%▲ 1.03% 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%
- 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%
24 Month Certificate
$500
4.00%
▲ 1.03% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 1.03% 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
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Certificate of Deposit
$500
3.85%
▲ 0.88% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 0.88% 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
Mutual Savings Credit Union
24 Month Certificate of Deposit
$0
3.85%
▲ 0.88% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average2.97%▲ 0.88% above avgNationally 2.88%
Details
APY*
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share or IRA Certificate
$1,000
3.80%
▲ 0.83% above Georgia avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.97%▲ 0.83% above avgNationally 2.88%
Details
Standard tier; Minimum Deposit of $1,000.00
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
- 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%
24 mo. IRA CD
$0
3.80%
▲ 0.83% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.97%▲ 0.83% above avgNationally 2.88%
Details
Balance: $500 and above
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.80% ▲ 0.55 pts · high 3.80% / low 3.25%
- 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%
24 mo. Jumbo CD
$0
3.80%
▲ 0.83% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.97%▲ 0.83% above avgNationally 2.88%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.80% ▲ 0.55 pts · high 3.80% / low 3.25%
- 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%
Standard CD - 24 Month
$0
3.75%
▲ 0.78% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.97%▲ 0.78% above avgNationally 2.88%
Details
Balance: $500 to $100,000; Tier Structure: $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%
- Oct 10, 20263.75%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.73% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.97%▲ 0.73% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.69% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.97%▲ 0.69% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
2 Year Share Certificates/CDs
$500
3.65%
▲ 0.68% above Georgia avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.97%▲ 0.68% 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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.63% above Georgia avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.97%▲ 0.63% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
24 Month Share Certificate
$500
3.60%
▲ 0.63% above Georgia avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.97%▲ 0.63% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
2 Year JUMBO Regular & IRA Certificates
$100,000
3.60%
▲ 0.63% above Georgia avg
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 0.63% 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
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2 Year Business CD
$0
3.57%
▲ 0.60% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.97%▲ 0.60% above avgNationally 2.88%
Details
Balance: $250,000 - and above
Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2 Year CD
$0
3.57%
▲ 0.60% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.97%▲ 0.60% above avgNationally 2.88%
Details
Balance: $250,000 - and above
Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
24 Month Share and IRA Certificate
$500
3.56%
▲ 0.59% above Georgia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 0.59% above avgNationally 2.88%
Details
Dividends compounded and credited quarterly
Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 3 times
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
Share and IRA Certificate - 24 months
$500
3.56%
▲ 0.59% above Georgia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 0.59% 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
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
24 Month CD
$500
3.50%
▲ 0.53% above Georgia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.97%▲ 0.53% 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
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Certificate
$500
3.50%
▲ 0.53% above Georgia avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.97%▲ 0.53% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 24 Months
$0
3.50%
▲ 0.53% above Georgia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 0.53% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 3.50% APY
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
24 Month Certificate
$1,000
3.50%
▲ 0.53% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.97%▲ 0.53% above avgNationally 2.88%
Details
Certificate & IRA Certificate Rates; IRA Certificates earn dividends based on the term selected; minimum opening balance $1,000 to earn dividends; CU Succeed account holders may open with $500; early withdrawal penalty 180 days interest
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificates - 2 Year
$500
3.50%
▲ 0.53% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.97%▲ 0.53% above avgNationally 2.88%
Details
Dividends compounded quarterly; $500 minimum deposit required on all certificates
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Regular & IRA Certificates - 2 Year
$1,000
3.49%
▲ 0.52% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 0.52% above avgNationally 2.88%
Details
Effective 10/1/2026
Rate History
No change since Oct 13, 2026 · 3.49% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
24 Month IRA Certificate
$0
3.45%
▲ 0.48% above Georgia avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.97%▲ 0.48% above avgNationally 2.88%
Details
Rate History
No change since Sep 29, 2026 · 3.45% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
24 Month Share Certificates
$0
3.45%
▲ 0.48% above Georgia avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.97%▲ 0.48% above avgNationally 2.88%
Details
Rate History
No change since Sep 29, 2026 · 3.45% APY
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
IRA Certificates - 2 years
$1,000
3.45%
▲ 0.48% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.97%▲ 0.48% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
24 Month Certificate
$0
3.41%
▲ 0.44% above Georgia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.97%▲ 0.44% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 24 month
$100,000
3.41%
▲ 0.44% above Georgia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.97%▲ 0.44% 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
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 24 month
$100,000
3.41%
▲ 0.44% above Georgia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.97%▲ 0.44% 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
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
Certificate of Deposit Accounts - 24 Month
$1,000
3.40%
▲ 0.43% above Georgia avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 0.43% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 3.40% APY
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificates - 24 months
$0
3.35%
▲ 0.38% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.97%▲ 0.38% 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
Jefferson 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
948 Lee St, Jefferson, GA 30549
3 Year Loyalty Term Share Certificate (or CD)
$0
3.20%
▲ 0.38% above Georgia avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 0.38% 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
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
948 Lee St, Jefferson, GA 30549
3 Year Term Share Certificate (or CD)
$0
3.00%
▲ 0.18% above Georgia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 0.18% above avgNationally 2.81%
Details
Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.00% APY
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1420 Winder Hwy, Jefferson, GA 30549
3 Year CD
$500
1.85%
▼ 0.97% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.82%▼ 0.97% below avgNationally 2.81%
Details
Rate History
No change since Sep 9, 2026 · 1.85% APY · checked 3 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate - 36 Months
$0
4.60%
▲ 1.78% above Georgia avg
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.82%▲ 1.78% above avgNationally 2.81%
Details
Penalty: 180 Days1
Rate History
No change since Oct 8, 2026 · 4.60% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 36 Months
$0
4.60%
▲ 1.78% above Georgia avg
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.82%▲ 1.78% 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%
- 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%
Share Certificate - 36 Months
$500
4.20%
▲ 1.38% above Georgia avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.82%▲ 1.38% above avgNationally 2.81%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.33% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.82%▲ 1.33% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.28% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.82%▲ 1.28% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Business Share Certificate/CD
$1,000
4.00%
▲ 1.18% above Georgia avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 1.18% 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
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Regular and IRA Certificate of Deposit
$1,000
4.00%
▲ 1.18% above Georgia avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 1.18% 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
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 36 months
$0
4.00%
▲ 1.18% above Georgia avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 1.18% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 36 months
$0
4.00%
▲ 1.18% above Georgia avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 1.18% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 4.00% APY
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
36 Month Certificate
$500
4.00%
▲ 1.18% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 1.18% 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
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificate
$500
4.00%
▲ 1.18% above Georgia avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.82%▲ 1.18% above avgNationally 2.81%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- 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%
36 Month Certificate
$500
3.75%
▲ 0.93% above Georgia avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.82%▲ 0.93% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Certificate of Deposit
$500
3.75%
▲ 0.93% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 0.93% 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
Mutual Savings Credit Union
36 Month Certificate of Deposit
$0
3.75%
▲ 0.93% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average2.82%▲ 0.93% above avgNationally 2.81%
Details
APY*
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
36 mo. IRA CD
$0
3.75%
▲ 0.93% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.82%▲ 0.93% above avgNationally 2.81%
Details
Balance: $500 and above
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- 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%
36 mo. Jumbo CD
$0
3.75%
▲ 0.93% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.82%▲ 0.93% above avgNationally 2.81%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- 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%
Standard CD - 36 Month
$0
3.70%
▲ 0.88% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.82%▲ 0.88% above avgNationally 2.81%
Details
Balance: $500 to $100,000; Tier Structure: $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%
- Oct 10, 20263.70%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3 Year Business CD
$0
3.57%
▲ 0.75% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.82%▲ 0.75% above avgNationally 2.81%
Details
Balance: $250,000 - and above
Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3 Year CD
$0
3.57%
▲ 0.75% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.82%▲ 0.75% above avgNationally 2.81%
Details
Balance: $250,000 - and above
Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
36 Month Share Certificate
$500
3.55%
▲ 0.73% above Georgia avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.82%▲ 0.73% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3 Year JUMBO Regular & IRA Certificates
$100,000
3.55%
▲ 0.73% above Georgia avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 0.73% 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
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
IRA Certificates - 3 years
$1,000
3.55%
▲ 0.73% above Georgia avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.82%▲ 0.73% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
36 Month IRA Certificate
$0
3.50%
▲ 0.68% above Georgia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.82%▲ 0.68% above avgNationally 2.81%
Details
Rate History
No change since Sep 29, 2026 · 3.50% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
36 Month Share Certificates
$0
3.50%
▲ 0.68% above Georgia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.82%▲ 0.68% above avgNationally 2.81%
Details
Rate History
No change since Sep 29, 2026 · 3.50% APY
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 36 Months
$0
3.50%
▲ 0.68% above Georgia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 0.68% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.50% APY
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 Month Certificate
$1,000
3.50%
▲ 0.68% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.82%▲ 0.68% above avgNationally 2.81%
Details
Certificate & IRA Certificate Rates; IRA Certificates earn dividends based on the term selected; minimum opening balance $1,000 to earn dividends; CU Succeed account holders may open with $500; early withdrawal penalty 180 days interest
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificates - 3 Year
$500
3.50%
▲ 0.68% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.82%▲ 0.68% above avgNationally 2.81%
Details
Dividends compounded quarterly; $500 minimum deposit required on all certificates
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Regular & IRA Certificates - 3 Year
$1,000
3.44%
▲ 0.62% above Georgia avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 0.62% above avgNationally 2.81%
Details
Effective 10/1/2026
Rate History
No change since Oct 13, 2026 · 3.44% APY
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
36 Month Certificate
$0
3.41%
▲ 0.59% above Georgia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.82%▲ 0.59% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificates - 36 months
$0
3.35%
▲ 0.53% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 0.53% 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
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 36 month
$100,000
3.31%
▲ 0.49% above Georgia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.82%▲ 0.49% 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
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 36 month
$100,000
3.31%
▲ 0.49% above Georgia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.82%▲ 0.49% 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
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3 Year Business CD
$0
3.30%
▲ 0.48% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.82%▲ 0.48% 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
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3 Year CD
$0
3.30%
▲ 0.48% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.82%▲ 0.48% 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
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Member Merits (Gold) 36 Month Certificate
$0
3.30%
▲ 0.48% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 0.48% 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
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
36 Month Share and IRA Certificate
$500
3.30%
▲ 0.48% above Georgia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 0.48% above avgNationally 2.81%
Details
Dividends compounded and credited quarterly
Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 3 times
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
Share and IRA Certificate - 36 months
$500
3.30%
▲ 0.48% above Georgia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 0.48% 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
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
36 Month Certificate Special
$500
3.30%
▲ 0.48% above Georgia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.82%▲ 0.48% 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
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
36 Month Share Certificate - Regular Accounts
$0
3.29%
▲ 0.47% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.82%▲ 0.47% above avgNationally 2.81%
Details
Rate History
No change since Sep 22, 2026 · 3.29% APY · checked 5 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
36 Month Share Certificate - Roth or Traditional IRA
$0
3.29%
▲ 0.47% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.82%▲ 0.47% above avgNationally 2.81%
Details
IRA certificate; term limited to 12, 24, 36, 48 or 60 months
Rate History
No change since Oct 14, 2026 · 3.29% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
36 Month Certificate
$0
3.25%
▲ 0.43% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 0.43% 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%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business 36 Month Certificate
$0
3.25%
▲ 0.43% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.82%▲ 0.43% 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
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 36 month
$500
3.21%
▲ 0.39% above Georgia avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.82%▲ 0.39% 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%
- 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%
Traditional and Roth IRA Certificate - 36 month
$500
3.21%
▲ 0.39% above Georgia avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.82%▲ 0.39% 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
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year Certificate
$0
3.20%
▲ 0.38% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.82%▲ 0.38% 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%
- Sep 18, 20263.20%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
3 Year Share Certificates/CDs
$500
3.15%
▲ 0.33% above Georgia avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.82%▲ 0.33% 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
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
3 Year CD
$0
3.15%
▲ 0.33% above Georgia avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.82%▲ 0.33% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
Jefferson 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
948 Lee St, Jefferson, GA 30549
4 Year Loyalty Term Share Certificate (or CD)
$0
3.30%
▲ 0.50% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.80%▲ 0.50% 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
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
948 Lee St, Jefferson, GA 30549
4 Year Term Share Certificate (or CD)
$0
3.10%
▲ 0.30% above Georgia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.80%▲ 0.30% above avgNationally 2.80%
Details
Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.10% APY
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1420 Winder Hwy, Jefferson, GA 30549
4 Year CD
$500
1.90%
▼ 0.90% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.80%▼ 0.90% below avgNationally 2.80%
Details
Rate History
No change since Sep 9, 2026 · 1.90% APY · checked 3 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate - 48 Months
$0
4.70%
▲ 1.90% above Georgia avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.80%▲ 1.90% above avgNationally 2.80%
Details
Penalty: 180 Days1
Rate History
No change since Oct 8, 2026 · 4.70% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 48 Months
$0
4.70%
▲ 1.90% above Georgia avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.80%▲ 1.90% 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%
- 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%
4 Year Share Certificates/CDs
$500
4.50%
▲ 1.70% above Georgia avg
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.80%▲ 1.70% 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%
- 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%
48 Month Share Certificate (with payroll direct deposit)
$500
4.50%
▲ 1.70% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.80%▲ 1.70% 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
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Share Certificate - 48 Months
$500
4.20%
▲ 1.40% above Georgia avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 1.40% above avgNationally 2.80%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
3.95%
▲ 1.15% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.80%▲ 1.15% 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
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48 Month Certificate of Deposit
$500
3.85%
▲ 1.05% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.80%▲ 1.05% 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%
- 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%
48 Month Certificate
$500
3.75%
▲ 0.95% above Georgia avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.80%▲ 0.95% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Mutual Savings Credit Union
48 Month Certificate of Deposit
$0
3.75%
▲ 0.95% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average2.80%▲ 0.95% above avgNationally 2.80%
Details
APY*
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 mo. IRA CD
$0
3.75%
▲ 0.95% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.95% above avgNationally 2.80%
Details
Balance: $500 and above
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 10, 20263.75%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 mo. Jumbo CD
$0
3.75%
▲ 0.95% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.95% above avgNationally 2.80%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 10, 20263.75%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Month Certificate
$500
3.75%
▲ 0.95% above Georgia avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.95% above avgNationally 2.80%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- 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%
Standard CD - 48 Month
$0
3.70%
▲ 0.90% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.90% above avgNationally 2.80%
Details
Balance: $500 to $100,000; Tier Structure: $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%
- 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%
IRA Certificates - 4 years
$1,000
3.65%
▲ 0.85% above Georgia avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.85% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
4 Year Business CD
$0
3.57%
▲ 0.77% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.80%▲ 0.77% above avgNationally 2.80%
Details
Balance: $250,000 - and above
Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
4 Year CD
$0
3.57%
▲ 0.77% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.80%▲ 0.77% above avgNationally 2.80%
Details
Balance: $250,000 - and above
Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
48 Month Share Certificate
$500
3.50%
▲ 0.70% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.80%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month IRA Certificate
$0
3.50%
▲ 0.70% above Georgia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.80%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 29, 2026 · 3.50% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month Share Certificates
$0
3.50%
▲ 0.70% above Georgia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.80%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 29, 2026 · 3.50% APY
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month Certificate
$1,000
3.50%
▲ 0.70% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.70% above avgNationally 2.80%
Details
Certificate & IRA Certificate Rates; IRA Certificates earn dividends based on the term selected; minimum opening balance $1,000 to earn dividends; CU Succeed account holders may open with $500; early withdrawal penalty 180 days interest
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
48 Month Share Certificate - Regular Accounts
$0
3.50%
▲ 0.70% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
48 Month Share Certificate - Roth or Traditional IRA
$0
3.50%
▲ 0.70% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.70% above avgNationally 2.80%
Details
IRA certificate; term limited to 12, 24, 36, 48 or 60 months
Rate History
No change since Oct 14, 2026 · 3.50% APY
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificates - 4 Year
$500
3.50%
▲ 0.70% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.70% above avgNationally 2.80%
Details
Dividends compounded quarterly; $500 minimum deposit required on all certificates
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
48 Month Certificate
$0
3.41%
▲ 0.61% above Georgia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.80%▲ 0.61% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
4 Year Business CD
$0
3.30%
▲ 0.50% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.80%▲ 0.50% 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
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
4 Year CD
$0
3.30%
▲ 0.50% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.80%▲ 0.50% 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
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Member Merits (Gold) 48 Month Certificate
$0
3.30%
▲ 0.50% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.80%▲ 0.50% 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
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
48 Month Certificate
$0
3.25%
▲ 0.45% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.80%▲ 0.45% 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%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business 48 Month Certificate
$0
3.25%
▲ 0.45% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.80%▲ 0.45% 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
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
48 Month Certificates of Deposit
$1,000
3.25%
▲ 0.45% above Georgia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.45% above avgNationally 2.80%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 48 month
$100,000
3.21%
▲ 0.41% above Georgia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.80%▲ 0.41% 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
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 48 month
$100,000
3.21%
▲ 0.41% above Georgia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.80%▲ 0.41% 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
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year Certificate
$0
3.20%
▲ 0.40% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.80%▲ 0.40% 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%
- 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%
4 Year JUMBO Regular & IRA Certificates
$100,000
3.19%
▲ 0.39% above Georgia avg
▼
Rate3.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.80%▲ 0.39% 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
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
4 Year CD
$0
3.15%
▲ 0.35% above Georgia avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.80%▲ 0.35% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
4 Year IRA CD
$0
3.15%
▲ 0.35% above Georgia avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.80%▲ 0.35% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 48 month
$500
3.11%
▲ 0.31% above Georgia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.80%▲ 0.31% 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%
- 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%
Traditional and Roth IRA Certificate - 48 month
$500
3.11%
▲ 0.31% above Georgia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.80%▲ 0.31% 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
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year IRA Certificate
$0
3.10%
▲ 0.30% above Georgia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.80%▲ 0.30% 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
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
4 Year Business CD
$1,000
3.10%
▲ 0.30% above Georgia avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.30% above avgNationally 2.80%
Details
FL; Dividend Posting: Monthly
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
4 Year CD
$0
3.10%
▲ 0.30% above Georgia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.30% above avgNationally 2.80%
Details
GA; Dividend Posting: Monthly
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 3 times
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
4 Year Traditional CD
$1,000
3.10%
▲ 0.30% above Georgia avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.30% above avgNationally 2.80%
Details
FL; Dividend Posting: Monthly
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Business CD - 4 years
$1,000
3.10%
▲ 0.30% above Georgia avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.30% above avgNationally 2.80%
Details
GA; Dividend Posting: Monthly
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Certificate of Deposit - 4 years
$0
3.10%
▲ 0.30% above Georgia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.80%▲ 0.30% above avgNationally 2.80%
Details
FL; Dividend posting: Monthly
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Regular & IRA Certificates - 4 Year
$1,000
3.09%
▲ 0.29% above Georgia avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.80%▲ 0.29% above avgNationally 2.80%
Details
Effective 10/1/2026
Rate History
No change since Oct 13, 2026 · 3.09% APY
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share Certificates - 48 Month
$500
3.04%
▲ 0.24% above Georgia avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.80%▲ 0.24% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
48 Month Share and IRA Certificate
$500
3.04%
▲ 0.24% above Georgia avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.80%▲ 0.24% above avgNationally 2.80%
Details
Dividends compounded and credited quarterly
Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 3 times
Jefferson 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
948 Lee St, Jefferson, GA 30549
5 Year Advantage Share Certificate
$0
3.40%
▲ 0.47% above Georgia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.47% above avgNationally 2.91%
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
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
948 Lee St, Jefferson, GA 30549
5 Year Loyalty Term Share Certificate (or CD)
$0
3.40%
▲ 0.47% above Georgia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.47% above avgNationally 2.91%
Details
Requires 5 years of membership; Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.40% APY
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
948 Lee St, Jefferson, GA 30549
5 Year Term Share Certificate (or CD)
$0
3.15%
▲ 0.22% above Georgia avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.22% above avgNationally 2.91%
Details
Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.15% APY
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1420 Winder Hwy, Jefferson, GA 30549
5 Year CD
$500
1.90%
▼ 1.03% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.93%▼ 1.03% below avgNationally 2.91%
Details
Rate History
No change since Sep 9, 2026 · 1.90% APY · checked 3 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate - 60 Months
$0
4.80%
▲ 1.87% above Georgia avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.93%▲ 1.87% above avgNationally 2.91%
Details
Penalty: 180 Days1
Rate History
No change since Oct 8, 2026 · 4.80% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 60 Months
$0
4.80%
▲ 1.87% above Georgia avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.93%▲ 1.87% above avgNationally 2.91%
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%
- 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%
Share Certificate - 60 Months
$500
4.20%
▲ 1.27% above Georgia avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 1.27% above avgNationally 2.91%
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.97% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 0.97% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.92% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 0.92% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month Certificate of Deposit
$500
3.85%
▲ 0.92% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.92% above avgNationally 2.91%
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%
- 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%
60 Month Certificate
$500
3.85%
▲ 0.92% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.92% above avgNationally 2.91%
Details
Automatic Renewal; Paid at End of Term
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Mutual Savings Credit Union
60 Month Certificate of Deposit
$0
3.75%
▲ 0.82% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average2.93%▲ 0.82% above avgNationally 2.91%
Details
APY*
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
60 mo. IRA CD
$0
3.75%
▲ 0.82% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 0.82% above avgNationally 2.91%
Details
Balance: $500 and above
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 10, 20263.75%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
60 mo. Jumbo CD
$0
3.75%
▲ 0.82% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 0.82% above avgNationally 2.91%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 10, 20263.75%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
IRA Certificates - 5 years
$1,000
3.70%
▲ 0.77% above Georgia avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 0.77% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Standard CD - 60 Month
$0
3.70%
▲ 0.77% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 0.77% above avgNationally 2.91%
Details
Balance: $500 to $100,000; Tier Structure: $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%
- Oct 10, 20263.70%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5 Year Business CD
$0
3.57%
▲ 0.64% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.93%▲ 0.64% above avgNationally 2.91%
Details
Balance: $250,000 - and above
Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5 Year CD
$0
3.57%
▲ 0.64% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.93%▲ 0.64% above avgNationally 2.91%
Details
Balance: $250,000 - and above
Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
60 Month IRA Certificate
$0
3.50%
▲ 0.57% above Georgia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.93%▲ 0.57% above avgNationally 2.91%
Details
Rate History
No change since Sep 29, 2026 · 3.50% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
60 Month Share Certificates
$0
3.50%
▲ 0.57% above Georgia avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.93%▲ 0.57% above avgNationally 2.91%
Details
Rate History
No change since Sep 29, 2026 · 3.50% APY
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Month Business Share Certificate/CD
$1,000
3.50%
▲ 0.57% above Georgia avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.57% above avgNationally 2.91%
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
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Month Regular and IRA Certificate of Deposit
$1,000
3.50%
▲ 0.57% above Georgia avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.57% above avgNationally 2.91%
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
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 60 months
$0
3.50%
▲ 0.57% above Georgia avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.57% above avgNationally 2.91%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 7 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 60 months
$0
3.50%
▲ 0.57% above Georgia avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.57% above avgNationally 2.91%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 3.50% APY
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month Certificate
$1,000
3.50%
▲ 0.57% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 0.57% above avgNationally 2.91%
Details
Certificate & IRA Certificate Rates; IRA Certificates earn dividends based on the term selected; minimum opening balance $1,000 to earn dividends; CU Succeed account holders may open with $500; early withdrawal penalty 180 days interest
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
60 Month Certificate
$500
3.50%
▲ 0.57% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 0.57% above avgNationally 2.91%
Details
IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- 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%
60 Month Share Certificate - Regular Accounts
$0
3.50%
▲ 0.57% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 0.57% above avgNationally 2.91%
Details
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
60 Month Share Certificate - Roth or Traditional IRA
$0
3.50%
▲ 0.57% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 0.57% above avgNationally 2.91%
Details
IRA certificate; term limited to 12, 24, 36, 48 or 60 months
Rate History
No change since Oct 14, 2026 · 3.50% APY
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificates - 5 Year
$500
3.50%
▲ 0.57% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 0.57% above avgNationally 2.91%
Details
Dividends compounded quarterly; $500 minimum deposit required on all certificates
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
60 Month Share Certificate
$500
3.45%
▲ 0.52% above Georgia avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.93%▲ 0.52% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
5 Year JUMBO Regular & IRA Certificates
$100,000
3.44%
▲ 0.51% above Georgia avg
▼
Rate3.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.51% above avgNationally 2.91%
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
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
60 Month Certificate
$0
3.41%
▲ 0.48% above Georgia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.93%▲ 0.48% above avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Regular & IRA Certificates - 5 Year
$1,000
3.34%
▲ 0.41% above Georgia avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.41% above avgNationally 2.91%
Details
Effective 10/1/2026
Rate History
No change since Oct 13, 2026 · 3.34% APY
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5 Year Business CD
$0
3.30%
▲ 0.37% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.93%▲ 0.37% above avgNationally 2.91%
Details
Balance: $0.01 - $249,999.99
Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5 Year CD
$0
3.30%
▲ 0.37% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.93%▲ 0.37% above avgNationally 2.91%
Details
Balance: $0.01 - $249,999.99
Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
60 Month Rewards Certificate
$1,000
3.30%
▲ 0.37% above Georgia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.93%▲ 0.37% above avgNationally 2.91%
Details
Tenure: 20+ Yrs; Active Checking: Yes
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share Certificates - 60 Month
$500
3.30%
▲ 0.37% above Georgia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.37% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Member Merits (Gold) 60 Month Certificate
$0
3.30%
▲ 0.37% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.37% above avgNationally 2.91%
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
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month Business Share Certificates
$1,000
3.25%
▲ 0.32% above Georgia avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.93%▲ 0.32% above avgNationally 2.91%
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%
- 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%
Share Certificates - 60 Months
$1,000
3.25%
▲ 0.32% above Georgia avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.93%▲ 0.32% above avgNationally 2.91%
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%
- 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%
5 Year CD
$0
3.25%
▲ 0.32% above Georgia avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.93%▲ 0.32% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
5 Year IRA CD
$0
3.25%
▲ 0.32% above Georgia avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.93%▲ 0.32% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
5 Year Trust CD
$0
3.25%
▲ 0.32% above Georgia avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.93%▲ 0.32% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Certificate
$0
3.25%
▲ 0.32% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.32% above avgNationally 2.91%
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%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business 60 Month Certificate
$0
3.25%
▲ 0.32% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.32% above avgNationally 2.91%
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
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
60 Month Certificates of Deposit
$1,000
3.25%
▲ 0.32% above Georgia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average2.93%▲ 0.32% above avgNationally 2.91%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 60 month
$100,000
3.21%
▲ 0.28% above Georgia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.93%▲ 0.28% above avgNationally 2.91%
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
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Traditional and Roth IRA Certificate - 60 month
$100,000
3.21%
▲ 0.28% above Georgia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.93%▲ 0.28% above avgNationally 2.91%
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
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
5 Year Certificate
$0
3.20%
▲ 0.27% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.93%▲ 0.27% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
- Sep 18, 20263.20%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Member Merits (Gold) 60 Month Variable Rate Certificate
$0
3.15%
▲ 0.22% above Georgia avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Georgia Average2.93%▲ 0.22% above avgNationally 2.91%
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
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Jefferson, GA CD Rate Trends
Compare local Jefferson, GA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD GA Avg
3.216%
▲ 0.007 vs 7 days ago
Georgia 12-month CD rates rose 0.007 points over the past 7 days to 3.216% APY.
6-Month CD GA Avg
2.912%
▲ 0.011 vs 7 days ago
Georgia 6-month CD rates rose 0.011 points over the past 7 days to 2.912% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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GA CD Rate Forecast, Next 12 Months
Where are Georgia CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
GA 12-Month Avg APY
3.216%
6-Month Forecast
3.216%
Range: 3.02%, 3.37%
12-Month Forecast
3.466%
Range: 3.27%, 3.62%
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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 | 1.863% | $93.14 | $186.28 | $465.70 | $931.40 |
| 6-Month CD | 2.912% | $145.59 | $291.18 | $727.95 | $1,455.90 |
| 12-Month CD | 3.216% | $160.82 | $321.63 | $804.07 | $1,608.15 |
| 18-Month CD | 3.076% | $153.79 | $307.57 | $768.93 | $1,537.85 |
| 24-Month CD | 2.969% | $148.43 | $296.85 | $742.13 | $1,484.25 |
| 36-Month CD | 2.819% | $140.95 | $281.89 | $704.73 | $1,409.45 |
| 48-Month CD | 2.798% | $139.92 | $279.84 | $699.60 | $1,399.20 |
| 60-Month CD | 2.933% | $146.66 | $293.31 | $733.28 | $1,466.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Jefferson, Georgia Savers
$25,000 split equally across 5 terms using today’s Georgia average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | GA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.863% | $93.14 |
| 2 | 6-Month CD | $5,000 | 2.912% | $145.59 |
| 3 | 12-Month CD | $5,000 | 3.216% | $160.82 |
| 4 | 24-Month CD | $5,000 | 2.969% | $148.43 |
| 5 | 36-Month CD | $5,000 | 2.819% | $140.95 |
| Total ($25,000 invested) | $25,000 | 2.756% blended | $688.93/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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786
CD Rates
Tracked in Jefferson, Georgia
Tracked in Jefferson, Georgia
23 Banks
54 Credit Unions
About Our Jefferson, Georgia CD Rate Database
MonitorBankRates tracks 786 CD rates from 23 banks and 54 credit unions with locations in Jefferson, 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: Peach State Federal Credit Union offers a CD at 3.90% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Jefferson, Georgia.
How to Find the Best CD Rates in Jefferson, Georgia
What to compare when shopping for a CD in Jefferson, Georgia
To find the best APYs in Jefferson, Georgia, start with credit unions and online-only banks: Jefferson, 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 Jefferson, 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 Jefferson, Georgia: 77 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Jefferson, 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 Jefferson, Georgia money market rates
Jefferson, Georgia Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
11.4%
National avg: 17.3%
Median Individual Earnings
$51,353
National avg: $47,340
Poverty Rate
5.6%
National avg: 11.1%
Unemployment Rate
2.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$165/yr
At GA 12-mo avg 3.216% APY
11.4% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.6% reflects a strong local economy. At today’s GA 12-month CD average of 3.216%, saving 10% of the local median salary ($5,135/year) and putting it in a CD would earn an additional $165 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 Jefferson, 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 Jefferson, 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 Jefferson, 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 Jefferson, Georgia as everywhere in the U.S.
Choosing a CD Term in Jefferson, 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 Jefferson, Georgia savers easier access to their funds. For example, Peach State Federal Credit Union is offering its 6 Month Term Share Certificate (or CD) at 3.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Peach State Federal Credit Union is offering its 5 Year Advantage Share Certificate at 3.40% 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 Jefferson, 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 Jefferson, 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 Jefferson, 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 Jefferson, 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 Jefferson, Georgia
Most CDs carry a fixed rate that is locked for the entire term, protecting a Jefferson, 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 Jefferson, Georgia
Are CD rates in Jefferson, Georgia FDIC insured?
Yes, most established banks in Jefferson, 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 Jefferson, 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 Jefferson, 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 Jefferson, 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 Jefferson, Georgia?
Here are recent top rates found for this area:
- Peach State Federal Credit Union: 3.90% APY (1 Year Advantage Share Certificate)
- Lanier Federal Credit Union: 3.50% APY (Traditional Share Certificates - 12 Month CD (GROWTH CD ))
- My Georgia Credit Union: 3.50% APY (12 Month CD)
- United Bank: 2.00% APY (1 Year CD)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate)
- 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)
Rates reflect recent verified offers available in Jefferson, Georgia. Last Updated: October 14, 2026
Jefferson, 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 Jefferson, Georgia rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Jefferson, Georgia
Jefferson, Georgia CD Calculator
At today’s GA top rate of 3.90% APY, a $10,000 deposit earns $390 in the first year. Enter your amount to see your exact return.
Jefferson, Georgia CD LadderGA CD rates currently range from 1.863% (3-month) to 2.819% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Jefferson, Georgia CD at 3.90% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsGeorgia’s average 12-month CD is 3.216% 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 Jefferson, 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 Jefferson, 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 Jefferson, 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 14, 2026
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