MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CD Rate Trends

Port Wentworth, Georgia Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 12, 2026

Port Wentworth, Georgia CD rates from banks and credit unions serving Georgia range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 12, 2026. Current Port Wentworth, Georgia CD rates include Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.89%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Family Legacy Certificate Account at 5.00% APY, P&S Credit UnionP&S Credit UnionA+5.0 ★Texas Ratio: 0.10%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Certificate - STUDENT Accounts at 5.00% APY, Georgia Heritage Federal Credit UnionGeorgia Heritage Federal Credit UnionA+5.0 ★Texas Ratio: 2.12%Real return: +2.00%APY minus CPI (February 2026) offering IRA Certificate - 60 Months at 4.80% APY, CDC Federal Credit UnionCDC Federal Credit UnionA+5.0 ★Texas Ratio: 2.99%Real return: +1.79%APY minus CPI (February 2026) offering 12 Month Rewards Certificate at 4.59% APY, and Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Port Wentworth is a smaller community with no bank or credit union branches currently in our database. 681 institutions serving the Georgia area are available to Port Wentworth residents, with CD rates as high as 5.00% APY from Platinum Federal Credit Union. 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 12, 2026

Compare Best CD Rates in Port Wentworth, Georgia & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Port Wentworth 3 Month CD Rates

Georgia 3 Month CD Average1.86% APYNational 2.09%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58% ▲ 2.72% above Georgia avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average1.86%▲ 2.72% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Certificates of Deposit - 3 Month Certificate
$500
3.75% ▲ 1.89% above Georgia avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▲ 1.89% above avgNationally 2.09%
Details

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

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

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

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

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

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

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

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

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

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

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

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

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

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
3 Month IRA Certificate
$0
2.27% ▲ 0.41% above Georgia avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average1.86%▲ 0.41% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 5, 2026: 2.27% APYOct 5, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
3-Month CD
$0
2.27% ▲ 0.41% above Georgia avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average1.86%▲ 0.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 6 times
1.77%2.27%2.77%Sep 18, 2026: 2.27% APYSep 18, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00% ▲ 0.14% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▲ 0.14% above avgNationally 2.09%
Details

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

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

Minimum Balance Required to Earn the Stated APY

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

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

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

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

Rate History
No change since Oct 12, 2026 · 1.12% APY
0.62%1.12%1.62%Oct 12, 2026: 1.12% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 3 month
$500
1.02% ▼ 0.84% below Georgia avg
View
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 0.84% below avgNationally 2.09%
Details

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

Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
0.52%1.07%1.62%Sep 25, 2026: 1.12% APYOct 12, 2026: 1.02% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20261.02%▼ from 1.12%
  • Sep 25, 20261.12%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Traditional and Roth IRA Certificate - 3 month
$500
1.02% ▼ 0.84% below Georgia avg
View
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 0.84% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 12, 2026 · 1.02% APY
0.52%1.02%1.52%Oct 12, 2026: 1.02% APYOct 12, 2026Oct 13, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
90 Days Certificate
$0
1.00% ▼ 0.86% below Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average1.86%▼ 0.86% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
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
View
▼
Rate0.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 1.11% below avgNationally 2.09%
Details

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

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

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

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

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

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

Regular APY

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

Compound Method: Simple

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

Compound Method: Simple

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
3 Month Certificate
$0
0.15% ▼ 1.71% below Georgia avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average1.86%▼ 1.71% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate
$2,500
0.06% ▼ 1.80% below Georgia avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average1.86%▼ 1.80% below avgNationally 2.09%
Details

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

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

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

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

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

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

Balance: $25,000.00 and above

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

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 13, 2026
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
90 Day Jumbo CD
$100,000
0.03% ▼ 1.83% below Georgia avg
View
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average1.86%▼ 1.83% below avgNationally 2.09%
Details

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

Balance: $1,000.00 - $24,999.99

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

Balance: $1.00 - $999.99

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

Port Wentworth 6 Month CD Rates

Georgia 6 Month CD Average2.92% APYNational 2.78%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30% ▲ 1.38% above Georgia avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.92%▲ 1.38% above avgNationally 2.78%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate - 6 Months
$0
4.20% ▲ 1.28% above Georgia avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 1.28% above avgNationally 2.78%
Details

Penalty: 90 Days1

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

Penalty: 90 Days1

Rate History
1 change since Sep 25, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95%
3.45%4.08%4.70%Sep 25, 2026: 3.95% APYOct 4, 2026: 4.20% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.20%▲ from 3.95%
  • Sep 25, 20263.95%first recorded
Loyal Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
6 Month CD
$1,000
4.15% ▲ 1.23% above Georgia avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.92%▲ 1.23% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 29, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 29, 2026: 4.15% APYSep 29, 2026Oct 13, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6 Month Business Share Certificates
$1,000
4.15% ▲ 1.23% above Georgia avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 1.23% above avgNationally 2.78%
Details

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

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

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

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

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

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

Minimum Balance Required to Earn the Stated APY

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

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

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

Rate History
1 change since Sep 9, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
3.05%3.78%4.50%Sep 9, 2026: 3.55% APYSep 27, 2026: 4.00% APYSep 9, 2026Oct 13, 2026
  • Sep 27, 20264.00%▲ from 3.55%
  • Sep 9, 20263.55%first recorded
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
IRA Certificate of Deposit - 6 Month
$0
4.00% ▲ 1.08% above Georgia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 1.08% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
6 Months Certificate
$0
4.00% ▲ 1.08% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 1.08% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo - Minimum Deposit of 6 Month Share or IRA Certificate
$100,000
4.00% ▲ 1.08% above Georgia avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 1.08% above avgNationally 2.78%
Details

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

180 Days*

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$500
3.95% ▲ 1.03% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 1.03% above avgNationally 2.78%
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$500
3.85% ▲ 0.93% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.93% above avgNationally 2.78%
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6 Month Certificate
$500
3.80% ▲ 0.88% above Georgia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.88% above avgNationally 2.78%
Details

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

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

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

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

$500 & above

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

$100,000 & above

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

$500 & above

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

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

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

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
6 Month Certificate of Deposit Accounts
$0
3.70% ▲ 0.78% above Georgia avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.78% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
6 Month Certificate
$0
3.70% ▲ 0.78% above Georgia avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.78% above avgNationally 2.78%
Details

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

$500 - $100,000

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

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
6 Months Business Share Certificate/CD
$1,000
3.65% ▲ 0.73% above Georgia avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.73% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
6 Months CD
$1,000
3.65% ▲ 0.73% above Georgia avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.73% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 17, 2026: 3.65% APYSep 17, 2026Oct 13, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
6 Month Share Certificates/CDs
$500
3.60% ▲ 0.68% above Georgia avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 0.68% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 12, 2026: 3.60% APYSep 12, 2026Oct 13, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
6 Month Share Certificate
$0
3.55% ▲ 0.63% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 Month Term Share Certificate
$1,000
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYSep 29, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share or IRA Certificate
$1,000
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.78%
Details

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

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

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

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

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

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

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
6-Month Jumbo CD
$0
3.35% ▲ 0.43% above Georgia avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.43% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
JUMBO Regular & IRA Certificates - 6 Months
$100,000
3.33% ▲ 0.41% above Georgia avg
View
▼
Rate3.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.41% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.33% APY · checked 5 times
2.83%3.33%3.83%Sep 14, 2026: 3.33% APYSep 14, 2026Oct 13, 2026
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Traditional Share Certificates 6 Month CD
$500
3.30% ▲ 0.38% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.38% above avgNationally 2.78%
Details

Term Deposit; Traditional IRA, Roth IRA, Educational IRA

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month Share Certificate
$0
3.30% ▲ 0.38% above Georgia avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.38% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 5, 2026: 3.30% APYOct 5, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
6 Month IRA Certificate
$0
3.30% ▲ 0.38% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.38% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 5, 2026: 3.30% APYOct 5, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
6-Month CD
$0
3.30% ▲ 0.38% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.38% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
6 Month Certificate
$500
3.25% ▲ 0.33% above Georgia avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.33% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6 Month Certificate
$500
3.22% ▲ 0.30% above Georgia avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.30% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.22% APY · checked 6 times
2.72%3.22%3.72%Sep 14, 2026: 3.22% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6 Month Certificate
$0
3.20% ▲ 0.28% above Georgia avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.92%▲ 0.28% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 13, 2026

Port Wentworth 12 Month CD Rates

Georgia 12 Month CD Average3.22% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Family Legacy Certificate Account
$0
5.00% ▲ 1.78% above Georgia avg
View
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 1.78% above avgNationally 2.99%
Details

The Family Legacy Certificate Account must be opened within two years of the date of death. Eligibility is subject to verification.

Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
4.41%4.96%5.50%Sep 14, 2026: 4.91% APYSep 17, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.00%▲ from 4.91%
  • Sep 14, 20264.91%first recorded
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificate - STUDENT Accounts
$100
5.00% ▲ 1.78% above Georgia avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 1.78% above avgNationally 2.99%
Details

Maximum $10,000 (Automatic Renewal)

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 7 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12 Month Rewards Certificate
$1,000
4.59% ▲ 1.37% above Georgia avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.22%▲ 1.37% above avgNationally 2.99%
Details

Tenure: 20+ Yrs; Active Checking: Yes

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

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

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

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

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

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 14, 2026: 4.00% APYSep 22, 2026: 4.25% APYOct 1, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.40%▲ from 4.25%
  • Sep 22, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.13% above Georgia avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 1.13% above avgNationally 2.99%
Details

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

Penalty: 90 Days1

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

Penalty: 90 Days1

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

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

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

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

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

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

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

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

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

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

12 Months*

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

Tenure: 15-19 Yrs; Active Checking: Yes

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.78% above Georgia avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

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

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

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

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

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
12 Month Certificate of Deposit Accounts
$0
4.00% ▲ 0.78% above Georgia avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
12 Month IRA CD
$0
4.00% ▲ 0.78% above Georgia avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
12 Months Certificate
$0
4.00% ▲ 0.78% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
12 Month IRA CD
$500
4.00% ▲ 0.78% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.78% above avgNationally 2.99%
Details

IRA CD

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

Balance: $100,000+; Jumbo CD

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

$500 & above

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

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

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

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

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

$500 - $100,000

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

Balance: $500 to $100,000

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 14, 2026: 3.70% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Advantage Share Certificate
$0
3.90% ▲ 0.68% above Georgia avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.68% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 14, 2026: 3.65% APYSep 29, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.90%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Loyalty Term Share Certificate
$10,000
3.90% ▲ 0.68% above Georgia avg
View
▼
Rate3.83%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.68% above avgNationally 2.99%
Details

Plus 5 Years of Membership

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 14, 2026: 3.65% APYSep 29, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.90%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificate
$500
3.90% ▲ 0.68% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.68% above avgNationally 2.99%
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
12 Month Share Certificate
$0
3.85% ▲ 0.63% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 5, 2026: 3.85% APYOct 5, 2026Oct 13, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1 Year CD
$0
3.85% ▲ 0.63% above Georgia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1 Year IRA CD
$0
3.85% ▲ 0.63% above Georgia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1 Year Trust CD
$0
3.85% ▲ 0.63% above Georgia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Tax Factor 1 Year CD
$0
3.85% ▲ 0.63% above Georgia avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
12 Month Certificate
$0
3.85% ▲ 0.63% above Georgia avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.22%▲ 0.63% above avgNationally 2.99%
Details

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

Minimum Balance Required to Earn the Stated APY

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

LIMITED TIME OFFER: EFFECTIVE 10/03/2025

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

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
12 Month IRA Certificate
$0
3.76% ▲ 0.54% above Georgia avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.54% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 5, 2026: 3.76% APYOct 5, 2026Oct 13, 2026
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12-Month CD
$0
3.75% ▲ 0.53% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.22%▲ 0.53% above avgNationally 2.99%
Details

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

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

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Term Share Certificate
$1,000
3.75% ▲ 0.53% above Georgia avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYSep 29, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Coweta Cities & County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 year Regular Certificate
$1,000
3.75% ▲ 0.53% above Georgia avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Dividends will be compounded quarterly and will be credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
JUMBO Regular & IRA Certificates - 1 Year
$100,000
3.75% ▲ 0.53% above Georgia avg
View
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Months Business Share Certificate/CD
$1,000
3.75% ▲ 0.53% above Georgia avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 13, 2026

Port Wentworth 18 Month CD Rates

Georgia 18 Month CD Average3.07% APYNational 2.87%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate - 18 Months
$0
4.45% ▲ 1.38% above Georgia avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▲ 1.38% above avgNationally 2.87%
Details

Penalty: 120 Days1

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

Penalty: 120 Days1

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

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

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

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

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

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

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

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

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

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

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 Month Certificate
$0
3.95% ▲ 0.88% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.07%▲ 0.88% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Mutual Savings Credit Union
18 Month Certificate of Deposit
$0
3.95% ▲ 0.88% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average3.07%▲ 0.88% above avgNationally 2.87%
Details

APY*

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.90% ▲ 0.83% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.07%▲ 0.83% above avgNationally 2.87%
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.80% ▲ 0.73% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.07%▲ 0.73% above avgNationally 2.87%
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18-month term
$0
3.80% ▲ 0.73% above Georgia avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.73% above avgNationally 2.87%
Details

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

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.63% above Georgia avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.63% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18 Month IRA Certificate
$0
3.66% ▲ 0.59% above Georgia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.07%▲ 0.59% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 5, 2026: 3.66% APYOct 5, 2026Oct 13, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month Certificate
$0
3.65% ▲ 0.58% above Georgia avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.58% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18-Month CD
$0
3.61% ▲ 0.54% above Georgia avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.07%▲ 0.54% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 18, 2026: 3.61% APYSep 18, 2026Oct 13, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18-Month Jumbo CD
$0
3.61% ▲ 0.54% above Georgia avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.07%▲ 0.54% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
18 Month Share and IRA Certificate
$500
3.56% ▲ 0.49% above Georgia avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.07%▲ 0.49% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 5, 2026: 3.56% APYOct 5, 2026Oct 13, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Certificates of Deposit - 18 Month Certificate
$500
3.50% ▲ 0.43% above Georgia avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▲ 0.43% above avgNationally 2.87%
Details

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

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

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

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

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
18 Months IRA Certificate
$0
3.50% ▲ 0.43% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.07%▲ 0.43% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
18 Month Share Certificate Accounts - Regular Accounts
$0
3.50% ▲ 0.43% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.43% above avgNationally 2.87%
Details

Minimum Balance Required to Earn the Stated APY

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

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

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

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

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

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 13, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
18 Month Share Certificate
$0
3.40% ▲ 0.33% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.07%▲ 0.33% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 5, 2026: 3.40% APYOct 5, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18 Month IRA Certificate
$0
3.35% ▲ 0.28% above Georgia avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average3.07%▲ 0.28% above avgNationally 2.87%
Details

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

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

18 Months*

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

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

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
2.81%3.36%3.91%Sep 25, 2026: 3.41% APYOct 12, 2026: 3.31% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.31%▼ from 3.41%
  • Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Traditional and Roth IRA Certificate - 18 month
$500
3.31% ▲ 0.24% above Georgia avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average3.07%▲ 0.24% above avgNationally 2.87%
Details

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

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 13, 2026
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
18-Month Term Share Certificate
$500
3.25% ▲ 0.18% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average3.07%▲ 0.18% above avgNationally 2.87%
Details

Dividends Compounded: Quarterly; Dividends Credited: Quarterly

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

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

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

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

Rate History
No change since Sep 29, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 29, 2026: 3.00% APYSep 29, 2026Oct 13, 2026
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
18 Month Share Certificate
$0
3.00% ▼ 0.07% below Georgia avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.07%▼ 0.07% below avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 5, 2026: 3.00% APYOct 5, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
18 Month Certificate
$0
2.90% ▼ 0.17% below Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.07%▼ 0.17% below avgNationally 2.87%
Details

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

FL; Dividend Posting: Monthly

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

FL; Dividend Posting: Monthly

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

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

GA; Dividend Posting: Monthly

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

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

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 13, 2026
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18 Month Share Certificate
$500
2.02% ▼ 1.05% below Georgia avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average3.07%▼ 1.05% below avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 5, 2026: 2.02% APYOct 5, 2026Oct 13, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
18 Month Certificate
$500
2.00% ▼ 1.07% below Georgia avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.07%▼ 1.07% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month CD
$500
1.80% ▼ 1.27% below Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average3.07%▼ 1.27% below avgNationally 2.87%
Details

Rate History
No change since Sep 9, 2026 · 1.80% APY · checked 3 times
1.30%1.80%2.30%Sep 9, 2026: 1.80% APYSep 9, 2026Oct 13, 2026
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
18 Month Certificate
$0
1.51% ▼ 1.56% below Georgia avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average3.07%▼ 1.56% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 7, 2026: 1.51% APYOct 7, 2026Oct 13, 2026

Port Wentworth 24 Month CD Rates

Georgia 24 Month CD Average2.96% APYNational 2.88%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate - 24 Months
$0
4.50% ▲ 1.54% above Georgia avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 1.54% above avgNationally 2.88%
Details

Penalty: 180 Days1

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

Penalty: 180 Days1

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

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

Penalty2: 180 Days (See 2 below)

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

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

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

24 Months*

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

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

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

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

Rate History
1 change since Oct 4, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 4, 2026: 3.75% APYOct 8, 2026: 4.00% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Months Business Share Certificate/CD
$1,000
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Months CD
$1,000
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 13, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Year CD
$0
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Year IRA CD
$0
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Year Trust CD
$0
4.00% ▲ 1.04% above Georgia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 1.04% above avgNationally 2.88%
Details

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

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
24 Month Certificate
$500
3.95% ▲ 0.99% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.99% above avgNationally 2.88%
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Certificate
$0
3.85% ▲ 0.89% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.89% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Mutual Savings Credit Union
24 Month Certificate of Deposit
$0
3.85% ▲ 0.89% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average2.96%▲ 0.89% above avgNationally 2.88%
Details

APY*

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

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

IRA CD

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

Balance: $100,000+; Jumbo CD

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

$500 & above

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

$500 - $100,000

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

Balance: $500 to $100,000

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

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

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.64% above Georgia avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 0.64% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

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

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
JUMBO Regular & IRA Certificates - 2 Year
$100,000
3.60% ▲ 0.64% above Georgia avg
View
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.64% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2 Year Business CD
$0
3.57% ▲ 0.61% above Georgia avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.96%▲ 0.61% above avgNationally 2.88%
Details

Balance: $250,000 - and above

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

Balance: $250,000 - and above

Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
3.07%3.57%4.07%Oct 7, 2026: 3.57% APYOct 7, 2026Oct 13, 2026
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
24 Month Share and IRA Certificate
$500
3.56% ▲ 0.60% above Georgia avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.60% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 5, 2026: 3.56% APYOct 5, 2026Oct 13, 2026
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
24 Month CD
$500
3.50% ▲ 0.54% above Georgia avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 0.54% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 Year Loyalty Term Share Certificate
$10,000
3.50% ▲ 0.54% above Georgia avg
View
▼
Rate3.45%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.54% above avgNationally 2.88%
Details

Plus 5 Years of Membership

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYSep 29, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Certificate
$500
3.50% ▲ 0.54% above Georgia avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
24 Months Certificate
$0
3.50% ▲ 0.54% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
24 Month Certificate
$0
3.50% ▲ 0.54% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.96%▲ 0.54% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
2 Year Certificate
$1,000
3.49% ▲ 0.53% above Georgia avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.53% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 6 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
24 Month IRA Certificate
$0
3.45% ▲ 0.49% above Georgia avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Georgia Average2.96%▲ 0.49% above avgNationally 2.88%
Details

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

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

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

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

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

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

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

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
24 Month Certificate of Deposit Accounts
$0
3.40% ▲ 0.44% above Georgia avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.44% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30%
2.80%3.35%3.90%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.40%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
24 Month IRA CD
$0
3.40% ▲ 0.44% above Georgia avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.44% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30%
2.80%3.35%3.90%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.40%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 Year Term Share Certificate
$1,000
3.35% ▲ 0.39% above Georgia avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.39% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
2.60%3.23%3.85%Sep 14, 2026: 3.10% APYSep 29, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.35%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
24 Month Share Certificate
$0
3.35% ▲ 0.39% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.39% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 5, 2026: 3.35% APYOct 5, 2026Oct 13, 2026
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
IRA Certificate of Deposit - 2 Year
$0
3.35% ▲ 0.39% above Georgia avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.96%▲ 0.39% above avgNationally 2.88%
Details

Over $50,000

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 24 month
$500
3.31% ▲ 0.35% above Georgia avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 0.35% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
2.81%3.36%3.91%Sep 25, 2026: 3.41% APYOct 12, 2026: 3.31% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.31%▼ from 3.41%
  • Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Traditional and Roth IRA Certificate - 24 month
$500
3.31% ▲ 0.35% above Georgia avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.96%▲ 0.35% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 13, 2026

Port Wentworth 36 Month CD Rates

Georgia 36 Month CD Average2.81% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate - 36 Months
$0
4.60% ▲ 1.79% above Georgia avg
View
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 1.79% above avgNationally 2.81%
Details

Penalty: 180 Days1

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

Penalty: 180 Days1

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

36 Months*

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.34% above Georgia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 1.34% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.29% above Georgia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 1.29% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Months Business Share Certificate/CD
$1,000
4.00% ▲ 1.19% above Georgia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 1.19% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Months CD
$1,000
4.00% ▲ 1.19% above Georgia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 1.19% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
36 Month Certificate
$500
4.00% ▲ 1.19% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 1.19% above avgNationally 2.81%
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificate
$500
4.00% ▲ 1.19% above Georgia avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 1.19% above avgNationally 2.81%
Details

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

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

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Certificate
$0
3.75% ▲ 0.94% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.94% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Mutual Savings Credit Union
36 Month Certificate of Deposit
$0
3.75% ▲ 0.94% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average2.81%▲ 0.94% above avgNationally 2.81%
Details

APY*

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

IRA CD

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

Balance: $100,000+; Jumbo CD

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

$500 & above

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

$500 - $100,000

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

Balance: $500 to $100,000

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
2.70%3.45%4.20%Sep 14, 2026: 3.20% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3 Year Business CD
$0
3.57% ▲ 0.76% above Georgia avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.76% above avgNationally 2.81%
Details

Balance: $250,000 - and above

Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 7 times
3.07%3.57%4.07%Sep 11, 2026: 3.57% APYSep 11, 2026Oct 13, 2026
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3 Year CD
$0
3.57% ▲ 0.76% above Georgia avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.76% above avgNationally 2.81%
Details

Balance: $250,000 - and above

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

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
JUMBO Regular & IRA Certificates - 3 Year
$100,000
3.55% ▲ 0.74% above Georgia avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.74% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
3 Year IRA Certificate
$1,000
3.55% ▲ 0.74% above Georgia avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 0.74% above avgNationally 2.81%
Details

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

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

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
36 Months Certificate
$0
3.50% ▲ 0.69% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.69% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 Month Certificate
$0
3.50% ▲ 0.69% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.81%▲ 0.69% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3 Year Certificate
$1,000
3.44% ▲ 0.63% above Georgia avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.63% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
36 Month Certificate
$0
3.41% ▲ 0.60% above Georgia avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.81%▲ 0.60% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
36 Month Share Certificate
$0
3.35% ▲ 0.54% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 5, 2026: 3.35% APYOct 5, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Jumbo Share Certificate - 36 month
$100,000
3.31% ▲ 0.50% above Georgia avg
View
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 0.50% above avgNationally 2.81%
Details

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

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

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

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 13, 2026
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3 Year Business CD
$0
3.30% ▲ 0.49% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.81%
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Oct 13, 2026
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3 Year CD
$0
3.30% ▲ 0.49% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.81%
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
36 Month Share and IRA Certificate
$500
3.30% ▲ 0.49% above Georgia avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 5, 2026: 3.30% APYOct 5, 2026Oct 13, 2026
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
36 Month Certificate Special
$500
3.30% ▲ 0.49% above Georgia avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 0.49% above avgNationally 2.81%
Details

LIMITED TIME OFFER: EFFECTIVE 10/03/2025

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

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 22, 2026: 3.29% APYSep 22, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 36 month
$500
3.21% ▲ 0.40% above Georgia avg
View
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 0.40% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
2.71%3.26%3.81%Sep 25, 2026: 3.31% APYOct 12, 2026: 3.21% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.21%▼ from 3.31%
  • Sep 25, 20263.31%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Traditional and Roth IRA Certificate - 36 month
$500
3.21% ▲ 0.40% above Georgia avg
View
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 0.40% above avgNationally 2.81%
Details

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

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

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Year Loyalty Term Share Certificate
$10,000
3.20% ▲ 0.39% above Georgia avg
View
▼
Rate3.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.39% above avgNationally 2.81%
Details

Plus 5 Years of Membership

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
3 Year Share Certificates/CDs
$500
3.15% ▲ 0.34% above Georgia avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 0.34% above avgNationally 2.81%
Details

$500.00 and above; Early withdrawal penalty applies

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

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

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
IRA - 36 Months
$0
3.15% ▲ 0.34% above Georgia avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.34% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
Share - 36 Months
$0
3.15% ▲ 0.34% above Georgia avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.34% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year IRA Certificate
$0
3.10% ▲ 0.29% above Georgia avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.81%▲ 0.29% above avgNationally 2.81%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
36 Month Certificate of Deposit Accounts
$0
3.10% ▲ 0.29% above Georgia avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.29% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
2.50%3.05%3.60%Sep 14, 2026: 3.00% APYOct 9, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.10%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
36 Month IRA CD
$0
3.10% ▲ 0.29% above Georgia avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.81%▲ 0.29% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
2.50%3.05%3.60%Sep 14, 2026: 3.00% APYOct 9, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.10%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
36 Month Rewards Certificate
$1,000
3.04% ▲ 0.23% above Georgia avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.81%▲ 0.23% above avgNationally 2.81%
Details

Tenure: 20+ Yrs; Active Checking: Yes

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026

Port Wentworth 48 Month CD Rates

Georgia 48 Month CD Average2.79% APYNational 2.80%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate - 48 Months
$0
4.70% ▲ 1.91% above Georgia avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.79%▲ 1.91% above avgNationally 2.80%
Details

Penalty: 180 Days1

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

Penalty: 180 Days1

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

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

Rate History
1 change since Sep 12, 2026 · 3.15% → 4.50% ▲ 1.35 pts · high 4.50% / low 3.15%
1.80%3.82%5.85%Sep 12, 2026: 3.15% APYOct 4, 2026: 4.50% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 3.15%
  • Sep 12, 20263.15%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
48 Month Share Certificate (with payroll direct deposit)
$500
4.50% ▲ 1.71% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.79%▲ 1.71% above avgNationally 2.80%
Details

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

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

48 Months*

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
4.05% ▲ 1.26% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 1.26% above avgNationally 2.80%
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
3.95% ▲ 1.16% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 1.16% above avgNationally 2.80%
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48 Month Certificate
$0
3.85% ▲ 1.06% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 1.06% above avgNationally 2.80%
Details

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

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

APY*

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

IRA CD

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

Balance: $100,000+; Jumbo CD

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

$500 & above

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

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

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

$500 - $100,000

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

Balance: $500 to $100,000

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

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Oct 13, 2026
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
4 Year Business CD
$0
3.57% ▲ 0.78% above Georgia avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.79%▲ 0.78% above avgNationally 2.80%
Details

Balance: $250,000 - and above

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

Balance: $250,000 - and above

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

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

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

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

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

Minimum Balance Required to Earn the Stated APY

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

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

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
4 Year Business CD
$0
3.30% ▲ 0.51% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.79%▲ 0.51% above avgNationally 2.80%
Details

Balance: $0.01 - $249,999.99

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

Balance: $0.01 - $249,999.99

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4 Year Loyalty Term Share Certificate
$10,000
3.30% ▲ 0.51% above Georgia avg
View
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 0.51% above avgNationally 2.80%
Details

Plus 5 Years of Membership

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
48 Month Certificate
$0
3.25% ▲ 0.46% above Georgia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.46% above avgNationally 2.80%
Details

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

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

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

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

Rate History
No change since Oct 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year Certificate
$0
3.20% ▲ 0.41% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.79%▲ 0.41% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
JUMBO Regular & IRA Certificates - 4 Year
$100,000
3.19% ▲ 0.40% above Georgia avg
View
▼
Rate3.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 0.40% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.19% APY · checked 5 times
2.69%3.19%3.69%Sep 14, 2026: 3.19% APYSep 14, 2026Oct 13, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
4 Year CD
$0
3.15% ▲ 0.36% above Georgia avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 0.36% above avgNationally 2.80%
Details

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

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

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

Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
2.61%3.16%3.71%Sep 25, 2026: 3.21% APYOct 12, 2026: 3.11% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.11%▼ from 3.21%
  • Sep 25, 20263.21%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Traditional and Roth IRA Certificate - 48 month
$500
3.11% ▲ 0.32% above Georgia avg
View
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.79%▲ 0.32% above avgNationally 2.80%
Details

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

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

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4 Year Term Share Certificate
$1,000
3.10% ▲ 0.31% above Georgia avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 0.31% above avgNationally 2.80%
Details

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

FL; Dividend Posting: Monthly

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

FL; Dividend Posting: Monthly

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

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

GA; Dividend Posting: Monthly

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
4 Year Certificate
$1,000
3.09% ▲ 0.30% above Georgia avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 0.30% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 6 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Oct 13, 2026
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 Month Share Certificate
$500
3.04% ▲ 0.25% above Georgia avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 0.25% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 5, 2026: 3.04% APYOct 5, 2026Oct 13, 2026
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
48 Month Share and IRA Certificate
$500
3.04% ▲ 0.25% above Georgia avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 0.25% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 5, 2026: 3.04% APYOct 5, 2026Oct 13, 2026
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
48 Month Share Certificate
$0
3.00% ▲ 0.21% above Georgia avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.79%▲ 0.21% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 5, 2026: 3.00% APYOct 5, 2026Oct 13, 2026
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
4-Year IRA Certificate
$500
3.00% ▲ 0.21% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.21% above avgNationally 2.80%
Details

Dividends Compounded: Quarterly; Dividends Credited: Quarterly

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
4-Year Term Share Certificate
$500
3.00% ▲ 0.21% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.79%▲ 0.21% above avgNationally 2.80%
Details

Dividends Compounded: Quarterly; Dividends Credited: Quarterly

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026

Port Wentworth 60 Month CD Rates

Georgia 60 Month CD Average2.92% APYNational 2.90%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate - 60 Months
$0
4.80% ▲ 1.88% above Georgia avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 1.88% above avgNationally 2.90%
Details

Penalty: 180 Days1

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

Penalty: 180 Days1

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

60 Months*

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
60 Month Certificate
$500
4.10% ▲ 1.18% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 1.18% above avgNationally 2.90%
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.98% above Georgia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.98% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.93% above Georgia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.93% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month Certificate
$0
3.85% ▲ 0.93% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.93% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
60 Month Certificate
$500
3.85% ▲ 0.93% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.93% above avgNationally 2.90%
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Mutual Savings Credit Union
60 Month Certificate of Deposit
$0
3.75% ▲ 0.83% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Georgia Average2.92%▲ 0.83% above avgNationally 2.90%
Details

APY*

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

IRA CD

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

Balance: $100,000+; Jumbo CD

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

$500 & above

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

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

$500 - $100,000

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

Balance: $500 to $100,000

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30%
2.80%3.50%4.20%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5 Year Business CD
$0
3.57% ▲ 0.65% above Georgia avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.92%▲ 0.65% above avgNationally 2.90%
Details

Balance: $250,000 - and above

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

Balance: $250,000 - and above

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

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

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Months Business Share Certificate/CD
$1,000
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Months CD
$1,000
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 17, 2026: 3.50% APYSep 17, 2026Oct 13, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month Certificate
$0
3.50% ▲ 0.58% above Georgia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.58% above avgNationally 2.90%
Details

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

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

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

Minimum Balance Required to Earn the Stated APY

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

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

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
JUMBO Regular & IRA Certificates - 5 Year
$100,000
3.44% ▲ 0.52% above Georgia avg
View
▼
Rate3.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 5 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
60 Month Certificate
$0
3.41% ▲ 0.49% above Georgia avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.92%▲ 0.49% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Year Advantage Share Certificate
$0
3.40% ▲ 0.48% above Georgia avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.48% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Year Loyalty Term Share Certificate
$10,000
3.40% ▲ 0.48% above Georgia avg
View
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.48% above avgNationally 2.90%
Details

Plus 5 Years of Membership

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
5 Year Certificate
$1,000
3.34% ▲ 0.42% above Georgia avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.42% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 6 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Oct 13, 2026
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5 Year Business CD
$0
3.30% ▲ 0.38% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.92%▲ 0.38% above avgNationally 2.90%
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Oct 13, 2026
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5 Year CD
$0
3.30% ▲ 0.38% above Georgia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Georgia Average2.92%▲ 0.38% above avgNationally 2.90%
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
60 Month Rewards Certificate
$1,000
3.30% ▲ 0.38% above Georgia avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 0.38% above avgNationally 2.90%
Details

Tenure: 20+ Yrs; Active Checking: Yes

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 Month Share Certificate
$500
3.30% ▲ 0.38% above Georgia avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.38% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 5, 2026: 3.30% APYOct 5, 2026Oct 13, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month Business Share Certificates
$1,000
3.25% ▲ 0.33% above Georgia avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 0.33% above avgNationally 2.90%
Details

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

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

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

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

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

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

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
60 Month Certificate
$0
3.25% ▲ 0.33% above Georgia avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.33% above avgNationally 2.90%
Details

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

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

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

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

Rate History
No change since Oct 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
5 Year Certificate
$0
3.20% ▲ 0.28% above Georgia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Georgia Average2.92%▲ 0.28% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Year Term Share Certificate
$1,000
3.15% ▲ 0.23% above Georgia avg
View
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.23% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
60 Month Certificate of Deposit Accounts
$0
3.15% ▲ 0.23% above Georgia avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.23% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
60 Month IRA CD
$0
3.15% ▲ 0.23% above Georgia avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Georgia Average2.92%▲ 0.23% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
5-Year IRA Certificate
$500
3.15% ▲ 0.23% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.23% above avgNationally 2.90%
Details

Dividends Compounded: Quarterly; Dividends Credited: Quarterly

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
5-Year Term Share Certificate
$500
3.15% ▲ 0.23% above Georgia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Georgia Average2.92%▲ 0.23% above avgNationally 2.90%
Details

Dividends Compounded: Quarterly; Dividends Credited: Quarterly

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share Certificate - 60 month
$500
3.11% ▲ 0.19% above Georgia avg
View
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Georgia Average2.92%▲ 0.19% above avgNationally 2.90%
Details

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

Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
2.61%3.16%3.71%Sep 25, 2026: 3.21% APYOct 12, 2026: 3.11% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.11%▼ from 3.21%
  • Sep 25, 20263.21%first recorded
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Port Wentworth, Georgia Institutions

Highest verified APYs available today, updated October 12, 2026

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

Port Wentworth, GA CD Rate Trends

Compare local Port Wentworth, 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.

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

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

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

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

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

GA CD Rate Forecast, Next 12 Months

Where are Georgia CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

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

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

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

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

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

Powered by MonitorBankRates

What Your Savings Earn at GA CD Rates Today

Annual interest earnings at today’s Georgia average APYs. State average used where available; national average as fallback.

CD Term GA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.862% $93.12 $186.23 $465.58 $931.15
6-Month CD 2.917% $145.84 $291.67 $729.18 $1,458.35
12-Month CD 3.217% $160.83 $321.66 $804.15 $1,608.30
18-Month CD 3.067% $153.37 $306.74 $766.85 $1,533.70
24-Month CD 2.960% $148.00 $295.99 $739.98 $1,479.95
36-Month CD 2.809% $140.47 $280.94 $702.35 $1,404.70
48-Month CD 2.789% $139.43 $278.86 $697.15 $1,394.30
60-Month CD 2.915% $145.77 $291.53 $728.82 $1,457.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Port Wentworth, Georgia Savers

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

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

Ladder example uses equal $5,000 rungs and Georgia average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
727
CD Rates
Tracked in Port Wentworth, Georgia
23 Banks 53 Credit Unions

About Our Port Wentworth, Georgia CD Rate Database

MonitorBankRates tracks 727 CD rates from 23 banks and 53 credit unions with locations in Port Wentworth, Georgia, plus national online institutions available to Georgia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Platinum Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Port Wentworth, Georgia.

How to Find the Best CD Rates in Port Wentworth, Georgia

What to compare when shopping for a CD in Port Wentworth, Georgia

To find the best APYs in Port Wentworth, Georgia, start with credit unions and online-only banks: Port Wentworth, Georgia has 53 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 Port Wentworth, 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 Port Wentworth, Georgia: 76 institutions here report CD rates

Consider an Alternative If…

Port Wentworth, Georgia Financial Snapshot

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

Population 65+
8.7%
National avg: 17.3%
Median Individual Earnings
$40,735
National avg: $47,340
Poverty Rate
11.2%
National avg: 11.1%
Unemployment Rate
5.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$131/yr
At GA 12-mo avg 3.217% APY

8.7% of residents are 65 or older, below the national average of 17.3%. At today’s GA 12-month CD average of 3.217%, saving 10% of the local median salary ($4,073/year) and putting it in a CD would earn an additional $131 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 Port Wentworth, 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 Port Wentworth, 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 Port Wentworth, 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 Port Wentworth, Georgia as everywhere in the U.S.

Choosing a CD Term in Port Wentworth, 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 Port Wentworth, Georgia savers easier access to their funds. For example, Austin Capital Bank is offering its 6 Month CD at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Georgia Heritage Federal Credit Union is offering its IRA Certificate - 60 Months at 4.80% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Port Wentworth, 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 Port Wentworth, 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 Port Wentworth, 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 Port Wentworth, 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 Port Wentworth, Georgia

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

Are CD rates in Port Wentworth, Georgia FDIC insured?

Yes, most established banks in Port Wentworth, 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 Port Wentworth, 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 Port Wentworth, 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 Port Wentworth, 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 Port Wentworth, Georgia?

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

Port Wentworth, 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 Port Wentworth, Georgia rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Port Wentworth, Georgia CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Port Wentworth, Georgia. Averages shown use the Georgia state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Port Wentworth, Georgia

Port Wentworth, Georgia CD Calculator

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

Port Wentworth, Georgia CD Ladder

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

Early Withdrawal Penalty

Before locking into a Port Wentworth, Georgia CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Georgia’s average 12-month CD is 3.217% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Port Wentworth, 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 Port Wentworth, 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 Port Wentworth, 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 12, 2026

Port Wentworth, Georgia Rates & Resources

$
Port Wentworth, Georgia Mortgage Rates
$
Port Wentworth, Georgia Refinance Rates
$
Port Wentworth, Georgia Home Equity Loan Rates
$
Port Wentworth, Georgia Savings Rates
$
Port Wentworth, Georgia Money Market Rates
$
Port Wentworth, Georgia Checking Rates
$
Port Wentworth, Georgia Auto Loan Rates
$
Port Wentworth, Georgia Personal Loan Rates
$
Port Wentworth, Georgia Homeowners Insurance
$
Port Wentworth, Georgia Car Insurance