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CD Rate Trends

Sandy Springs, Georgia Best CD Rates September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: September 28, 2026

Current CD rates in Sandy Springs, Georgia range from 3.25% to 5.00% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. Current Sandy Springs, Georgia CD rates include Delta Community Credit UnionDelta Community Credit Union1100 Hammond Dr Ste 100, Sandy Springs, GA 30328 8153A+5.0 ★Texas Ratio: 1.24%Real return: +1.05%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit Accounts at 3.85% APY, MembersFirst Credit UnionMembersFirst Credit Union8010 Roswell Rd, Sandy Springs, GA 30350A+5.0 ★Texas Ratio: 1.12%Real return: +1.05%APY minus CPI (February 2026) offering 12 Month Certificate at 3.85% APY, TruistTruist8725 Roswell Rd, Sandy Springs, GA 30350A+5.0 ★Texas Ratio: 3.81%Real return: +0.45%APY minus CPI (February 2026) offering 12-month CD at 3.25% APY, 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, and 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. CD rates as of September 28, 2026 according to verified data from MonitorBankRates.

Sandy Springs has 18 local institutions in our database, with CD rates as high as 3.85% APY from Delta Community Credit Union at 1100 Hammond Dr Ste 100, Sandy Springs, GA 30328 8153. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Georgia area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 28, 2026

Compare Best CD Rates in Sandy Springs, Georgia & the Surrounding Area

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Sandy Springs 3 Month CD Rates

National 3 Month CD Average2.08% APY▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
8010 Roswell Rd, Sandy Springs, GA 30350
90 Day Certificate
$0
2.65% ▲ 0.57% above national avg
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.57% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 4 times
2.15%2.65%3.15%Sep 14, 2026: 2.65% APYSep 14, 2026Sep 28, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$1,000
4.32% ▲ 2.24% above national avg
View
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 2.24% above avg
Details

UP to $99,999.99

Rate History
No change since Sep 27, 2026 · 4.32% APY
3.82%4.32%4.82%Sep 27, 2026: 4.32% APYSep 27, 2026Sep 28, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Month Certificates of Deposit
$500
3.75% ▲ 1.67% above national avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 1.67% above avg
Details

Fixed Rate

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Sep 28, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75% ▲ 1.67% above national avg
View
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.67% above avg
Details

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 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3-Months CD
$1,000
3.70% ▲ 1.62% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.62% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3-Month CD
$1,000
3.25% ▲ 1.17% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.17% above avg
Details

Offer not available to funds currently on deposit at Seacoast Bank. Special Annual Percentage Yield (APY) applicable to initial term only. At maturity, CD will automatically renew for the same renewal term.

Rate History
No change since Sep 27, 2026 · 3.25% APY
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Sep 28, 2026
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3 Month Certificate of Deposit
$0
3.05% ▲ 0.97% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.97% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Sep 22, 2026: 3.05% APYSep 22, 2026Sep 28, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
3 Month CD
$0
2.78% ▲ 0.70% above national avg
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.70% above avg
Details

Term: 3 months (90 to 179 days)

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 3 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Sep 28, 2026
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Month Certificate
$0
2.50% ▲ 0.42% above national avg
View
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▲ 0.42% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Sep 28, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
3-Month CD
$0
2.27% ▲ 0.19% above national avg
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.19% above avg
Details

Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 3 times
1.77%2.27%2.77%Sep 18, 2026: 2.27% APYSep 18, 2026Sep 28, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA Certificate - 3-Month
$0
2.27% ▲ 0.19% above national avg
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.19% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 4 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Sep 28, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00% ▼ 0.08% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.08% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Sep 28, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3 Month Share Certificates
$0
1.51% ▼ 0.57% below national avg
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.57% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Sep 28, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
3 Month Share Certificate Account - Regular Accounts
$0
1.26% ▼ 0.82% below national avg
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.82% below avg
Details

Rate History
No change since Sep 22, 2026 · 1.26% APY · checked 2 times
0.76%1.26%1.76%Sep 22, 2026: 1.26% APYSep 22, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Month Share Certificate
$100,000
1.12% ▼ 0.96% below national avg
View
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 0.96% below avg
Details

Rate History
No change since Sep 25, 2026 · 1.12% APY
0.62%1.12%1.62%Sep 25, 2026: 1.12% APYSep 25, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Month Traditional IRA and Roth IRA Certificate
$100,000
1.12% ▼ 0.96% below national avg
View
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 0.96% below avg
Details

Rate History
No change since Sep 25, 2026 · 1.12% APY
0.62%1.12%1.62%Sep 25, 2026: 1.12% APYSep 25, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Month Special Certificate
$500
1.02% ▼ 1.06% below national avg
View
▼
Rate1.01%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 1.06% below avg
Details

Rate History
No change since Sep 25, 2026 · 1.02% APY
0.52%1.02%1.52%Sep 25, 2026: 1.02% APYSep 25, 2026Sep 28, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
90 Day Certificate
$0
1.00% ▼ 1.08% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.08% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Sep 28, 2026
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Month Certificate
$5,000
0.75% ▼ 1.33% below national avg
View
▼
Rate0.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▼ 1.33% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Sep 28, 2026
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate of Deposits 90 days
$0
0.65% ▼ 1.43% below national avg
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.43% below avg
Details

Rate History
1 change since Sep 14, 2026 · 0.60% → 0.65% ▲ 0.05 pts · high 0.65% / low 0.60%
0.10%0.63%1.15%Sep 14, 2026: 0.60% APYSep 24, 2026: 0.65% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20260.65%▲ from 0.60%
  • Sep 14, 20260.60%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3-month term
$0
0.60% ▼ 1.48% below national avg
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▼ 1.48% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Sep 28, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Standard Rate CDs
$500
0.50% ▼ 1.58% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.58% below avg
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Sep 28, 2026
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3 Month CD
$500
0.50% ▼ 1.58% below national avg
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 1.58% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3-month term Standard CD
$0
0.50% ▼ 1.58% below national avg
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▼ 1.58% below avg
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Sep 28, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
90 Day Certificates of Deposit
$0
0.30% ▼ 1.78% below national avg
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 1.78% below avg
Details

Compound Method: Simple

Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Sep 20, 2026: 0.30% APYSep 20, 2026Sep 28, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
90 Day Business Certificates of Deposit
$0
0.20% ▼ 1.88% below national avg
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 1.88% below avg
Details

Compound Method: Simple

Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Sep 20, 2026: 0.20% APYSep 20, 2026Sep 28, 2026
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
3 Month Certificate
$0
0.15% ▼ 1.93% below national avg
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▼ 1.93% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.02% below national avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.02% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.06% APY
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.03% below national avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.03% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Sep 28, 2026
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
Regular CD - 90 Days
$0
0.05% ▼ 2.03% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.03% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Sep 28, 2026
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
90 Day CD
$500
0.03% ▼ 2.05% below national avg
View
▼
Rate0.03%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▼ 2.05% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Sep 28, 2026
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
90 Day Jumbo CD
$100,000
0.03% ▼ 2.05% below national avg
View
▼
Rate0.03%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▼ 2.05% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Sep 28, 2026

Sandy Springs 6 Month CD Rates

National 6 Month CD Average2.77% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
8010 Roswell Rd, Sandy Springs, GA 30350
6 Month Certificate
$0
3.70% ▲ 0.93% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.93% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1100 Hammond Dr Ste 100, Sandy Springs, GA 30328 8153
6 Month Certificate of Deposit Accounts
$0
3.55% ▲ 0.78% above national avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Month Certificate
$500
4.10% ▲ 1.33% above national avg
View
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.33% above avg
Details

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, 2026Sep 28, 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 Account - Regular Accounts
$0
4.06% ▲ 1.29% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.29% above avg
Details

Rate History
No change since Sep 22, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 22, 2026: 4.06% APYSep 22, 2026Sep 28, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate of Deposit
$1,000
4.04% ▲ 1.27% above national avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.27% above avg
Details

UP to $99,999.99

Rate History
No change since Sep 27, 2026 · 4.04% APY
3.54%4.04%4.54%Sep 27, 2026: 4.04% APYSep 27, 2026Sep 28, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

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, 2026Sep 28, 2026
Coastal States Bank (CSB)
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6-Month CD
$1,000
4.00% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
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, 2026Sep 28, 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% ▲ 1.23% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
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, 2026Sep 28, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
6 Month Certificate
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 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% ▲ 1.23% above national avg
View
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

$100,000.00

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, 2026Sep 28, 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 Day Share Certificate
$500
4.00% ▲ 1.23% above national avg
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Share Certificates
$0
3.95% ▲ 1.18% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.18% above avg
Details

Penalty: 90 Days1

Rate History
No change since Sep 25, 2026 · 3.95% APY
3.45%3.95%4.45%Sep 25, 2026: 3.95% APYSep 25, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$500
3.95% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▲ 1.18% above avg
Details

Automatic Renewal

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, 2026Sep 28, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6 Month Business Share Certificates
$1,000
3.90% ▲ 1.13% above national avg
View
▼
Rate3.86%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.13% above avg
Details

A penalty applies for early withdrawal.

Rate History
No change since Sep 25, 2026 · 3.90% APY
3.40%3.90%4.40%Sep 25, 2026: 3.90% APYSep 25, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$500
3.85% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▲ 1.08% above avg
Details

Automatic Renewal to Regular Certificate

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, 2026Sep 28, 2026
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6 Month Certificate
$0
3.80% ▲ 1.03% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6-Months CD
$1,000
3.75% ▲ 0.98% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details

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, 2026Sep 28, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month Certificates of Deposit
$500
3.75% ▲ 0.98% above national avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 0.98% above avg
Details

Fixed Rate

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Sep 28, 2026
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
6 Month Certificate of Deposit
$0
3.75% ▲ 0.98% above national avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Sep 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6-Month CD
$0
3.75% ▲ 0.98% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Sep 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6-Month Term
$1,000
3.75% ▲ 0.98% above national avg
View
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Sep 28, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
6 Month Share Certificate
$0
3.65% ▲ 0.88% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.88% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
6 Months Business Share Certificate/CD
$1,000
3.65% ▲ 0.88% above national avg
View
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.88% above avg
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
6 Months CD
$1,000
3.65% ▲ 0.88% above national avg
View
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.88% above avg
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6 Month Certificate of Deposit
$0
3.60% ▲ 0.83% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 0.83% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 20, 2026: 3.60% APYSep 20, 2026Sep 28, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
6 Month Share Certificates/CDs
$500
3.60% ▲ 0.83% above national avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.83% above avg
Details

An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.

Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 12, 2026: 3.60% APYSep 12, 2026Sep 28, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
6 Month Share Certificates
$0
3.55% ▲ 0.78% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.78% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Certificate
$0
3.55% ▲ 0.78% above national avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details

Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Certificate
$0
3.50% ▲ 0.73% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20263.50%▼ from 3.55%
  • Sep 14, 20263.55%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business 6 Month Certificate
$0
3.50% ▲ 0.73% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
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, 2026Sep 28, 2026
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share or IRA Certificate
$1,000
3.50% ▲ 0.73% above national avg
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.73% above avg
Details

Standard

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, 2026Sep 28, 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 Certificates
$0
3.50% ▲ 0.73% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.73% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Go Energy Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
6 Month Certificate Accounts
$0
3.35% ▲ 0.58% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.58% above avg
Details

Balance: $1,000

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month CD
$0
3.35% ▲ 0.58% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.58% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month Safari Club CD
$0
3.35% ▲ 0.58% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.58% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
6 Month Jumbo CD
$0
3.35% ▲ 0.58% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.58% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 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% ▲ 0.56% above national avg
View
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.56% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.33% APY · checked 3 times
2.83%3.33%3.83%Sep 14, 2026: 3.33% APYSep 14, 2026Sep 28, 2026
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Traditional 6 Month CD
$500
3.30% ▲ 0.53% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.53% above avg
Details

Term Deposit; Traditional IRA, Roth IRA, Educational IRA

Rate History
No change since Sep 21, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 21, 2026: 3.30% APYSep 21, 2026Sep 28, 2026
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month Certificate
$0
3.30% ▲ 0.53% above national avg
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.53% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
6-Month CD
$0
3.30% ▲ 0.53% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.53% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Sep 28, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA Certificate - 6-Month
$0
3.30% ▲ 0.53% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.53% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
6 Month Certificate
$500
3.25% ▲ 0.48% above national avg
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 0.48% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 Month Term Share Certificate
$1,000
3.25% ▲ 0.48% above national avg
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.48% above avg
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, 2026Sep 28, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6 Month Certificate
$500
3.22% ▲ 0.45% above national avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.45% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.22% APY · checked 3 times
2.72%3.22%3.72%Sep 14, 2026: 3.22% APYSep 14, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
6 Month Share Certificate
$100,000
3.16% ▲ 0.39% above national avg
View
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.39% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.16% APY
2.66%3.16%3.66%Sep 25, 2026: 3.16% APYSep 25, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
6 Month Traditional IRA and Roth IRA Certificate
$100,000
3.16% ▲ 0.39% above national avg
View
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.39% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.16% APY
2.66%3.16%3.66%Sep 25, 2026: 3.16% APYSep 25, 2026Sep 28, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
6 Month Regular CD
$1,000
3.10% ▲ 0.33% above national avg
View
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.33% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
6 Month Special Certificate
$500
3.05% ▲ 0.28% above national avg
View
▼
Rate3.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.28% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.05% APY
2.55%3.05%3.55%Sep 25, 2026: 3.05% APYSep 25, 2026Sep 28, 2026
Artesian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.60%
6 Month Share Certificate (Compounding) Account
$0
3.00% ▲ 0.23% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.23% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 12, 2026: 3.00% APYSep 12, 2026Sep 28, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
6 Month CD
$0
2.84% ▲ 0.07% above national avg
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.07% above avg
Details

Term: 6 months (180 to 269 days)

Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 3 times
2.34%2.84%3.34%Sep 18, 2026: 2.84% APYSep 18, 2026Sep 28, 2026

Sandy Springs 12 Month CD Rates

National 12 Month CD Average2.94% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1100 Hammond Dr Ste 100, Sandy Springs, GA 30328 8153
12 Month Certificate of Deposit Accounts
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 0.91% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1100 Hammond Dr Ste 100, Sandy Springs, GA 30328 8153
12 Month IRA CDs
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 0.91% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.85% APY
3.35%3.85%4.35%Sep 22, 2026: 3.85% APYSep 22, 2026Sep 28, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
8010 Roswell Rd, Sandy Springs, GA 30350
12 Month Certificate
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.91% above avg
Details

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, 2026Sep 28, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
8725 Roswell Rd, Sandy Springs, GA 30350
12-month CD
$0
3.25% ▲ 0.31% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.31% above avg
Details

Special rate on new CD accounts.

Rate History
No change since Sep 27, 2026 · 3.25% APY
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Family Legacy Certificate Account
$0
5.00% ▲ 2.06% above national avg
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 2.06% above avg
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, 2026Sep 28, 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% ▲ 2.06% above national avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 2.06% above avg
Details

Maximum $10,000 (Automatic Renewal)

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Sep 28, 2026
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12 Month Certificate
$0
4.59% ▲ 1.65% above national avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.65% above avg
Details

Tenure: 20+ Yrs; Active Checking: Yes

Rate History
No change since Sep 25, 2026 · 4.59% APY
4.09%4.59%5.09%Sep 25, 2026: 4.59% APYSep 25, 2026Sep 28, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
12 Month Certificate
$500
4.30% ▲ 1.36% above national avg
View
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.36% above avg
Details

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, 2026Sep 28, 2026
  • Sep 27, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12 Month Business Share Certificates
$1,000
4.25% ▲ 1.31% above national avg
View
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.31% above avg
Details

A penalty applies for early withdrawal.

Rate History
No change since Sep 25, 2026 · 4.25% APY
3.75%4.25%4.75%Sep 25, 2026: 4.25% APYSep 25, 2026Sep 28, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Term - 12 Months
$0
4.25% ▲ 1.31% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.31% above avg
Details

Rate History
No change since Sep 25, 2026 · 4.25% APY
3.75%4.25%4.75%Sep 25, 2026: 4.25% APYSep 25, 2026Sep 28, 2026
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
4.25% ▲ 1.31% above national avg
View
▼
Rate4.17%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.31% above avg
Details

$100,000.00

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 22, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
12 Month Certificates of Deposit
$500
4.15% ▲ 1.21% above national avg
View
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.21% above avg
Details

Fixed Rate

Rate History
No change since Sep 20, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 20, 2026: 4.15% APYSep 20, 2026Sep 28, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 12-Month Fixed Rate
$0
4.11% ▲ 1.17% above national avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.17% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Sep 28, 2026
Coastal States Bank (CSB)
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12-Month CD
$1,000
4.10% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.16% above avg
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, 2026Sep 28, 2026
  • Sep 27, 20264.10%▲ from 3.40%
  • Sep 9, 20263.40%first recorded
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1 Year Certificate of Deposit
$0
4.10% ▲ 1.16% above national avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.16% above avg
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Sep 28, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
12 Month Share Certificate
$500
4.10% ▲ 1.16% above national avg
View
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.16% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Sep 28, 2026
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12 Month Certificate
$0
4.07% ▲ 1.13% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.13% above avg
Details

Tenure: 15-19 Yrs; Active Checking: Yes

Rate History
No change since Sep 25, 2026 · 4.07% APY
3.57%4.07%4.57%Sep 25, 2026: 4.07% APYSep 25, 2026Sep 28, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificates
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.06% above avg
Details

Penalty: 90 Days1

Rate History
No change since Sep 25, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Sep 28, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
12 Month Certificate
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Year Share Certificates
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Go Energy Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1 Year Certificate Accounts
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Balance: $1,000

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
1-Year CD
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
1-Year Term
$1,000
4.00% ▲ 1.06% above national avg
View
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificate
$500
3.90% ▲ 0.96% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 0.96% above avg
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
12 Month Share Certificates
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.91% above avg
Details

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, 2026Sep 28, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12 Month Share Certificate Account - Regular Accounts
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.91% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 22, 2026: 3.85% APYSep 22, 2026Sep 28, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12 Month Share Certificate Account - Roth or Traditional IRAs
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.91% above avg
Details

IRA and Coverdell Education Certificate accounts are only available for 12, 24, 36, 48 and 60 month terms.

Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 22, 2026: 3.85% APYSep 22, 2026Sep 28, 2026
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
12 Month Certificate Special
$500
3.82% ▲ 0.88% above national avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.88% above avg
Details

LIMITED TIME OFFER: EFFECTIVE 10/03/2025

Rate History
No change since Sep 20, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Sep 20, 2026: 3.82% APYSep 20, 2026Sep 28, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
12 Month Share Certificate
$0
3.80% ▲ 0.86% above national avg
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.86% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Sep 28, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA Certificate - 12-Month
$0
3.76% ▲ 0.82% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.82% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 4 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Sep 28, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
1 Year Share Certificates/CDs
$500
3.75% ▲ 0.81% above national avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.81% above avg
Details

An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Sep 28, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
12 month Share Certificates
$500
3.75% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.81% above avg
Details

Special promotional as-high-as rate. Payroll direct deposit is required. Promotional rates may expire at any time and are subject to change without notice. These special promotional rates/terms are current effective 8/7/2026.

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Sep 28, 2026
Coweta Cities & County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates - 1 year
$1,000
3.75% ▲ 0.81% above national avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.81% above avg
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 2 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Sep 28, 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% ▲ 0.81% above national avg
View
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.81% above avg
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, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Months Business Share Certificate/CD
$1,000
3.75% ▲ 0.81% above national avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.81% above avg
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Months CD
$1,000
3.75% ▲ 0.81% above national avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.81% above avg
Details

Balance: $1,000 - $9,999

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, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1 Year CD
$0
3.75% ▲ 0.81% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.81% above avg
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, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1 Year IRA CD
$0
3.75% ▲ 0.81% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.81% above avg
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, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1 Year Trust CD
$0
3.75% ▲ 0.81% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.81% above avg
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, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Tax Factor 1 Year CD
$0
3.75% ▲ 0.81% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.81% above avg
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, 2026Sep 28, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
12 Month IRA CD
$0
3.75% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.81% above avg
Details

Balance: $500+; 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, 2026Sep 28, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
12 Month Jumbo CD
$0
3.75% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.81% above avg
Details

Balance: $100,000+

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, 2026Sep 28, 2026
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
12 Month Term Certificate
$0
3.72% ▲ 0.78% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.94%▲ 0.78% above avg
Details

Rate History
No change since Sep 15, 2026 · 3.72% APY
3.22%3.72%4.22%Sep 15, 2026: 3.72% APYSep 15, 2026Sep 28, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
12 Month Jumbo CD
$0
3.71% ▲ 0.77% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.77% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 3 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Sep 28, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
12-Month CD
$0
3.71% ▲ 0.77% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.77% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 3 times
3.21%3.71%4.21%Sep 18, 2026: 3.71% APYSep 18, 2026Sep 28, 2026
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 Month Certificate
$0
3.70% ▲ 0.76% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.76% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
IRA Certificate of Deposit - 12 Month
$0
3.70% ▲ 0.76% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 0.76% above avg
Details

Over $50,000; Over $50,000

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% APYSep 18, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Share or IRA Certificate
$1,000
3.70% ▲ 0.76% above national avg
View
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.76% above avg
Details

Standard

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
3.00%3.60%4.20%Sep 14, 2026: 3.50% APYSep 22, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20263.70%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
12 Month standard CD
$500
3.70% ▲ 0.76% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.76% above avg
Details

Balance: $500 to $100,000

Rate History
No change since Sep 22, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 22, 2026: 3.70% APYSep 22, 2026Sep 28, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Advantage Share Certificate
$0
3.65% ▲ 0.71% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.71% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026

Sandy Springs 18 Month CD Rates

National 18 Month CD Average2.82% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
8010 Roswell Rd, Sandy Springs, GA 30350
18 Month Certificate
$0
3.65% ▲ 0.83% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.83% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificate
$500
4.40% ▲ 1.58% above national avg
View
▼
Rate4.31%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.58% above avg
Details

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, 2026Sep 28, 2026
  • Sep 27, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Coastal States Bank (CSB)
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18-Month CD
$1,000
4.20% ▲ 1.38% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.38% above avg
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
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Sep 28, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Share Certificates
$0
4.15% ▲ 1.33% above national avg
View
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.33% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Sep 28, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificates
$0
4.05% ▲ 1.23% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.23% above avg
Details

Penalty: 120 Days1

Rate History
No change since Sep 25, 2026 · 4.05% APY
3.55%4.05%4.55%Sep 25, 2026: 4.05% APYSep 25, 2026Sep 28, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 Month Business Share Certificates
$1,000
4.00% ▲ 1.18% above national avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.18% above avg
Details

A penalty applies for early withdrawal.

Rate History
No change since Sep 25, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Sep 28, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Term - 18 Months
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
No change since Sep 25, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Sep 28, 2026
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
18 Month Certificate of Deposit
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Sep 28, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 Month Certificates of Deposit (CDs)
$0
3.95% ▲ 1.13% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.13% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
Mutual Savings Credit Union
18 Month Certificate of Deposit
$0
3.95% ▲ 1.13% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.13% above avg
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, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.90% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 1.08% above avg
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.80% ▲ 0.98% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 0.98% above avg
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
18 Month Term Certificate
$0
3.77% ▲ 0.95% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.82%▲ 0.95% above avg
Details

Rate History
No change since Sep 15, 2026 · 3.77% APY
3.27%3.77%4.27%Sep 15, 2026: 3.77% APYSep 15, 2026Sep 28, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA Certificate - 18-Month
$0
3.66% ▲ 0.84% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.84% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18-month term
$0
3.65% ▲ 0.83% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.83% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.65% ▲ 0.83% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.83% above avg
Details

Rewards APY

Rate History
No change since Sep 27, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 27, 2026: 3.65% APYSep 27, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.65% ▲ 0.83% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.83% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18 Month Jumbo CD
$0
3.61% ▲ 0.79% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.79% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Sep 28, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18-Month CD
$0
3.61% ▲ 0.79% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.79% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Sep 18, 2026: 3.61% APYSep 18, 2026Sep 28, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Certificates of Deposit
$500
3.50% ▲ 0.68% above national avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.68% above avg
Details

Fixed Rate

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Sep 28, 2026
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
18 Month CD
$500
3.50% ▲ 0.68% above national avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.68% above avg
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, 2026Sep 28, 2026
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Certificate
$0
3.50% ▲ 0.68% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.68% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
18 Month IRA Certificate
$0
3.50% ▲ 0.68% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.68% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
18 Month Share Certificate Account - Regular Accounts
$0
3.50% ▲ 0.68% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.68% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
18 Month Share Certificate
$100,000
3.41% ▲ 0.59% above national avg
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.59% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.41% APY
2.91%3.41%3.91%Sep 25, 2026: 3.41% APYSep 25, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
18 Month Traditional IRA and Roth IRA Certificate
$100,000
3.41% ▲ 0.59% above national avg
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.59% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.41% APY
2.91%3.41%3.91%Sep 25, 2026: 3.41% APYSep 25, 2026Sep 28, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
18 Month Share Certificates
$0
3.40% ▲ 0.58% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.58% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
18 Month Share Certificate
$500
3.35% ▲ 0.53% above national avg
View
▼
Rate3.31%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.53% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
18 Month Special Certificate
$500
3.31% ▲ 0.49% above national avg
View
▼
Rate3.27%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.49% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.31% APY
2.81%3.31%3.81%Sep 25, 2026: 3.31% APYSep 25, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Certificate
$0
3.30% ▲ 0.48% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.48% above avg
Details

Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.

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, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Certificate
$0
3.25% ▲ 0.43% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.43% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business 18 Month Certificate
$0
3.25% ▲ 0.43% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.43% above avg
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, 2026Sep 28, 2026
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
18-Month Term Share Certificate
$500
3.25% ▲ 0.43% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.43% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Go Energy Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
18 Month Certificate Accounts
$0
3.20% ▲ 0.38% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.38% above avg
Details

Balance: $1,000

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Sep 28, 2026
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
IRA 18 Months
$250
3.05% ▲ 0.23% above national avg
View
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.23% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Sep 28, 2026
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
18 Month Certificate
$0
3.00% ▲ 0.18% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.18% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
18 Month Certificate
$0
2.90% ▲ 0.08% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.08% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 4 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Sep 28, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Business CD
$1,000
2.75% ▼ 0.07% below national avg
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.07% below avg
Details

Maturing 13-month promotional CDs will not automatically renew with promotional features or rate. Offer good for initial term only and will renew as a standard 12-month CD. Offer applies for consumer, business, and IRA CDs. No monies accepted from brokers or financial institutions. FCCU reserves the right to end promotion at any time.

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, 2026Sep 28, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Certificate
$0
2.75% ▼ 0.07% below national avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.07% below avg
Details

FL

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, 2026Sep 28, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Traditional CD
$1,000
2.75% ▼ 0.07% below national avg
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.07% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Sep 28, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 months Certificate
$0
2.75% ▼ 0.07% below national avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.07% below avg
Details

Dividend Posting: Monthly

Rate History
No change since Sep 27, 2026 · 2.75% APY
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Sep 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
18-Month CD
$0
2.75% ▼ 0.07% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.07% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Sep 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
18-Month Term
$1,000
2.75% ▼ 0.07% below national avg
View
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.07% below avg
Details

Upon maturity, will be automatically renewed as a 2-Year Term CD at the then-published APY.

Rate History
No change since Sep 27, 2026 · 2.75% APY
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Sep 28, 2026
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18 Month Share Certificates
$500
2.02% ▼ 0.80% below national avg
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 0.80% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Sep 28, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
18 Months Certificate of Deposit (CDs)
$500
2.00% ▼ 0.82% below national avg
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.82% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Sep 28, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month Standard Rate CDs
$500
1.80% ▼ 1.02% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.02% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 3 times
1.30%1.80%2.30%Sep 18, 2026: 1.80% APYSep 18, 2026Sep 28, 2026
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Certificate of Deposits 18 months
$0
1.51% ▼ 1.31% below national avg
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.31% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Sep 28, 2026
LOCOGA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
18 Month Share Certificates
$1,000
1.50% ▼ 1.32% below national avg
View
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 1.32% below avg
Details

Rate History
No change since Sep 21, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 21, 2026: 1.50% APYSep 21, 2026Sep 28, 2026
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
18 Month CD
$500
1.25% ▼ 1.57% below national avg
View
▼
Rate1.24%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▼ 1.57% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Sep 28, 2026
Copper Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
18 Month Certificate
$1,000
1.00% ▼ 1.82% below national avg
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 1.82% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 3 times
0.50%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Sep 28, 2026

Sandy Springs 24 Month CD Rates

National 24 Month CD Average2.84% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
8010 Roswell Rd, Sandy Springs, GA 30350
24 Month Certificate
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

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, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1100 Hammond Dr Ste 100, Sandy Springs, GA 30328 8153
24 Month Certificate of Deposit Accounts
$0
3.30% ▲ 0.46% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
Details

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, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1100 Hammond Dr Ste 100, Sandy Springs, GA 30328 8153
24 Month IRA CDs
$0
3.30% ▲ 0.46% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.30% APY
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Sep 28, 2026
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
4.40% ▲ 1.56% above national avg
View
▼
Rate4.32%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.56% above avg
Details

$100,000.00

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Sep 14, 2026: 4.15% APYSep 22, 2026: 4.40% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20264.40%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Month Certificate
$500
4.25% ▲ 1.41% above national avg
View
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

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, 2026Sep 28, 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 Month Share Certificate
$500
4.20% ▲ 1.36% above national avg
View
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Sep 28, 2026
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2 Year Certificate of Deposit
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 1.26% above avg
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Sep 28, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificates
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.26% above avg
Details

Penalty: 180 Days1

Rate History
No change since Sep 25, 2026 · 4.10% APY
3.60%4.10%4.60%Sep 25, 2026: 4.10% APYSep 25, 2026Sep 28, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Certificate
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Penalty: 180 Days (See 2 below)

Rate History
No change since Sep 25, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Months Business Share Certificate/CD
$1,000
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Months CD
$1,000
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $1,000 - $9,999

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, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
24 Month Certificate
$500
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.16% above avg
Details

Automatic Renewal

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, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
24 Month Certificate
$500
3.95% ▲ 1.11% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.11% above avg
Details

Automatic Renewal to Regular Certificate

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, 2026Sep 28, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Certificates of Deposit (CDs)
$0
3.85% ▲ 1.01% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Sep 28, 2026
Mutual Savings Credit Union
24 Month Certificate of Deposit
$0
3.85% ▲ 1.01% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.01% above avg
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, 2026Sep 28, 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% ▲ 0.96% above national avg
View
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.96% above avg
Details

Standard

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, 2026Sep 28, 2026
  • Sep 22, 20263.80%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
24 Month Term Certificate
$0
3.77% ▲ 0.93% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.84%▲ 0.93% above avg
Details

Rate History
No change since Sep 15, 2026 · 3.77% APY
3.27%3.77%4.27%Sep 15, 2026: 3.77% APYSep 15, 2026Sep 28, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
24 Month Business Share Certificates
$1,000
3.75% ▲ 0.91% above national avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.91% above avg
Details

A penalty applies for early withdrawal.

Rate History
No change since Sep 25, 2026 · 3.75% APY
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Sep 28, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Term - 24 Months
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.75% APY
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Sep 28, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
2 Year Share Certificates/CDs
$500
3.65% ▲ 0.81% above national avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.81% above avg
Details

An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Sep 28, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
24 Month Share Certificates
$500
3.65% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.81% above avg
Details

Special promotional as-high-as rate. Payroll direct deposit is required. Promotional rates may expire at any time and are subject to change without notice. These special promotional rates/terms are current effective 8/7/2026.

Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Sep 28, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
24 Month Share Certificate
$0
3.60% ▲ 0.76% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.76% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 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% ▲ 0.76% above national avg
View
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.76% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
2 Year Business CD
$0
3.57% ▲ 0.73% above national avg
View
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.73% above avg
Details

Balance: $250,000 - and above

Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 4 times
3.07%3.57%4.07%Sep 11, 2026: 3.57% APYSep 11, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
2 Year Certificate
$0
3.57% ▲ 0.73% above national avg
View
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.73% above avg
Details

Balance: $250,000 - and above

Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 4 times
3.07%3.57%4.07%Sep 11, 2026: 3.57% APYSep 11, 2026Sep 28, 2026
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
24 Month CD
$500
3.50% ▲ 0.66% above national avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.66% above avg
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, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Year CD
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
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, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Year IRA CD
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
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, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Year Trust CD
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
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, 2026Sep 28, 2026
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Certificate
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
24 Month Certificate
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
2 Year Share Certificates
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
2 Year Certificate
$1,000
3.49% ▲ 0.65% above national avg
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.65% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 3 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Sep 28, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
2 Year IRA Certificate
$1,000
3.45% ▲ 0.61% above national avg
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.61% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
24 Month Share Certificate
$100,000
3.41% ▲ 0.57% above national avg
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.57% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.41% APY
2.91%3.41%3.91%Sep 25, 2026: 3.41% APYSep 25, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
24 Month Traditional IRA and Roth IRA Certificate
$100,000
3.41% ▲ 0.57% above national avg
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.57% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.41% APY
2.91%3.41%3.91%Sep 25, 2026: 3.41% APYSep 25, 2026Sep 28, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
24 Month Share Certificates
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.51% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
IRA Certificate of Deposit - 2 Year
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.51% above avg
Details

Over $50,000; Over $50,000

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
2.75%3.30%3.85%Sep 14, 2026: 3.25% APYSep 18, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20263.35%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
24 Month Special Certificate
$500
3.31% ▲ 0.47% above national avg
View
▼
Rate3.27%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.47% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.31% APY
2.81%3.31%3.81%Sep 25, 2026: 3.31% APYSep 25, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
2 Year Business CD
$0
3.30% ▲ 0.46% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.46% above avg
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
2 Year Certificate
$0
3.30% ▲ 0.46% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.46% above avg
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month Certificate
$0
3.30% ▲ 0.46% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
Details

Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.

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, 2026Sep 28, 2026
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA Certificate - 24-Month
$0
3.30% ▲ 0.46% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.46% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
24 Month Regular CD
$1,000
3.30% ▲ 0.46% above national avg
View
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.46% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Sep 28, 2026
Bond Community Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.24%
24-Month CD Special
$500
3.29% ▲ 0.45% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.45% above avg
Details

New Money Only (funds must come from another financial institution)

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Sep 28, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
24 Month Share Certificate Account - Regular Accounts
$0
3.29% ▲ 0.45% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.45% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Sep 22, 2026: 3.29% APYSep 22, 2026Sep 28, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
24 Month Share Certificate Account - Roth or Traditional IRAs
$0
3.29% ▲ 0.45% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.45% above avg
Details

IRA and Coverdell Education Certificate accounts are only available for 12, 24, 36, 48 and 60 month terms.

Rate History
No change since Sep 22, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Sep 22, 2026: 3.29% APYSep 22, 2026Sep 28, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2 Year Certificates of Deposit
$500
3.25% ▲ 0.41% above national avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.41% above avg
Details

Fixed Rate

Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Sep 28, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 Year Loyalty Term Share Certificate
$10,000
3.25% ▲ 0.41% above national avg
View
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.41% above avg
Details

Plus 5 Years of Membership

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, 2026Sep 28, 2026
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
IRA Certificate of Deposit - 2 Year
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
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, 2026Sep 28, 2026

Sandy Springs 36 Month CD Rates

National 36 Month CD Average2.76% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
8010 Roswell Rd, Sandy Springs, GA 30350
36 Month Certificate
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details

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, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1100 Hammond Dr Ste 100, Sandy Springs, GA 30328 8153
36 Month Certificate of Deposit Accounts
$0
3.00% ▲ 0.24% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1100 Hammond Dr Ste 100, Sandy Springs, GA 30328 8153
36 Month IRA CDs
$0
3.00% ▲ 0.24% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Sep 28, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
36 Month Share Certificate
$500
4.20% ▲ 1.44% above national avg
View
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.44% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Sep 28, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificates
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.39% above avg
Details

Penalty: 180 Days1

Rate History
No change since Sep 25, 2026 · 4.15% APY
3.65%4.15%4.65%Sep 25, 2026: 4.15% APYSep 25, 2026Sep 28, 2026
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3 Year Certificate of Deposit
$0
4.10% ▲ 1.34% above national avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 1.34% above avg
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Months Business Share Certificate/CD
$1,000
4.00% ▲ 1.24% above national avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Months CD
$1,000
4.00% ▲ 1.24% above national avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $1,000 - $9,999

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, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
36 Month Certificate
$500
4.00% ▲ 1.24% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.24% above avg
Details

Automatic Renewal

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, 2026Sep 28, 2026
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
36 Month Term Certificate
$0
3.82% ▲ 1.06% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.76%▲ 1.06% above avg
Details

Rate History
No change since Sep 15, 2026 · 3.82% APY
3.32%3.82%4.32%Sep 15, 2026: 3.82% APYSep 15, 2026Sep 28, 2026
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month Certificate
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Certificates of Deposit (CDs)
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Mutual Savings Credit Union
36 Month Certificate of Deposit
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.99% above avg
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, 2026Sep 28, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificate
$500
3.75% ▲ 0.99% above national avg
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.99% above avg
Details

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 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
3 Year Business CD
$0
3.57% ▲ 0.81% above national avg
View
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.81% above avg
Details

Balance: $250,000 - and above

Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 4 times
3.07%3.57%4.07%Sep 11, 2026: 3.57% APYSep 11, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
3 Year Certificate
$0
3.57% ▲ 0.81% above national avg
View
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.81% above avg
Details

Balance: $250,000 - and above

Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 4 times
3.07%3.57%4.07%Sep 11, 2026: 3.57% APYSep 11, 2026Sep 28, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
36 Month Share Certificate
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.79% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 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% ▲ 0.79% above national avg
View
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.79% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
3 Year IRA Certificate
$1,000
3.55% ▲ 0.79% above national avg
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.79% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Sep 28, 2026
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
36 Month Certificate
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3 Year Share Certificates
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3 Year Certificate
$1,000
3.44% ▲ 0.68% above national avg
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.68% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 3 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Sep 28, 2026
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
36 Month Share Certificates
$0
3.35% ▲ 0.59% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.59% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
36 Month Share Certificate
$100,000
3.31% ▲ 0.55% above national avg
View
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.55% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.31% APY
2.81%3.31%3.81%Sep 25, 2026: 3.31% APYSep 25, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
36 Month Traditional IRA and Roth IRA Certificate
$100,000
3.31% ▲ 0.55% above national avg
View
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.55% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.31% APY
2.81%3.31%3.81%Sep 25, 2026: 3.31% APYSep 25, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
3 Year Business CD
$0
3.30% ▲ 0.54% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.54% above avg
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
3 Year Certificate
$0
3.30% ▲ 0.54% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.54% above avg
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
36 Month Certificate
$0
3.30% ▲ 0.54% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details

Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.

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, 2026Sep 28, 2026
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
36 Month Certificate Special
$500
3.30% ▲ 0.54% above national avg
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.54% above avg
Details

LIMITED TIME OFFER: EFFECTIVE 10/03/2025

Rate History
No change since Sep 20, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 20, 2026: 3.30% APYSep 20, 2026Sep 28, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
36 Month Share Certificate Account - Regular Accounts
$0
3.29% ▲ 0.53% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.53% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Sep 22, 2026: 3.29% APYSep 22, 2026Sep 28, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
36 Month Share Certificate Account - Roth or Traditional IRAs
$0
3.29% ▲ 0.53% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.53% above avg
Details

IRA and Coverdell Education Certificate accounts are only available for 12, 24, 36, 48 and 60 month terms.

Rate History
No change since Sep 22, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Sep 22, 2026: 3.29% APYSep 22, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
36 Month Certificate
$0
3.25% ▲ 0.49% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business 36 Month Certificate
$0
3.25% ▲ 0.49% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details

Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.

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, 2026Sep 28, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
36 Month IRA CD
$0
3.25% ▲ 0.49% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.49% above avg
Details

Balance: $500+; APY*

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
36 Month Jumbo CD
$0
3.25% ▲ 0.49% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.49% above avg
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
36 Month Special Certificate
$500
3.21% ▲ 0.45% above national avg
View
▼
Rate3.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.45% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.21% APY
2.71%3.21%3.71%Sep 25, 2026: 3.21% APYSep 25, 2026Sep 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year Certificate
$0
3.20% ▲ 0.44% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.44% above avg
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, 2026Sep 28, 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% ▲ 0.44% above national avg
View
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.44% above avg
Details

Plus 5 Years of Membership

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Sep 28, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
36 Month standard CD
$500
3.20% ▲ 0.44% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.44% above avg
Details

Balance: $500 to $100,000

Rate History
No change since Sep 22, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Sep 22, 2026: 3.20% APYSep 22, 2026Sep 28, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
3 Year Share Certificates/CDs
$500
3.15% ▲ 0.39% above national avg
View
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.39% above avg
Details

An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.

Rate History
No change since Sep 12, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 12, 2026: 3.15% APYSep 12, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
3 Year CD
$0
3.15% ▲ 0.39% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.39% above avg
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, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
3 Year IRA CD
$0
3.15% ▲ 0.39% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.39% above avg
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, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
36 Month Variable Rate Certificate
$0
3.15% ▲ 0.39% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.39% above avg
Details

Term: 36 Month Variable Rate Certificate 1; Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.

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, 2026Sep 28, 2026
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
IRA - 36 Months
$0
3.15% ▲ 0.39% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.39% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
Share - 36 Months
$0
3.15% ▲ 0.39% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.39% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year IRA Certificates
$0
3.10% ▲ 0.34% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.34% above avg
Details

Term: 3 Year IRA Certificate; $1,000 minimum balance to open

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
36 Month Variable Rate Certificate
$0
3.10% ▲ 0.34% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.34% above avg
Details

Term: 36 Month Variable Rate Certificate 1; APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 14, 2026: 3.15% APYSep 18, 2026: 3.10% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20263.10%▼ from 3.15%
  • Sep 14, 20263.15%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business 36 Month Variable Rate Certificate
$0
3.10% ▲ 0.34% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.34% above avg
Details

Term: 36 Month Variable Rate Certificate 1; APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Sep 28, 2026
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
36 Month Certificate
$0
3.04% ▲ 0.28% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.28% above avg
Details

Tenure: 20+ Yrs; Active Checking: Yes

Rate History
No change since Sep 25, 2026 · 3.04% APY
2.54%3.04%3.54%Sep 25, 2026: 3.04% APYSep 25, 2026Sep 28, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Year Term Share Certificate
$1,000
3.00% ▲ 0.24% above national avg
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.24% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026

Sandy Springs 48 Month CD Rates

National 48 Month CD Average2.75% APY▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
8010 Roswell Rd, Sandy Springs, GA 30350
48 Month Certificate
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.75% above avg
Details

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, 2026Sep 28, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
48 Month Share Certificate
$500
4.20% ▲ 1.45% above national avg
View
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.45% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Sep 28, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificates
$0
4.15% ▲ 1.40% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.40% above avg
Details

Penalty: 180 Days1

Rate History
No change since Sep 25, 2026 · 4.15% APY
3.65%4.15%4.65%Sep 25, 2026: 4.15% APYSep 25, 2026Sep 28, 2026
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
4 Year Certificate of Deposit
$0
4.10% ▲ 1.35% above national avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 1.35% above avg
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
4.05% ▲ 1.30% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 1.30% above avg
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
3.95% ▲ 1.20% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 1.20% above avg
Details

Automatic Renewal

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, 2026Sep 28, 2026
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
48 Month Term Certificate
$0
3.82% ▲ 1.07% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.75%▲ 1.07% above avg
Details

Rate History
No change since Sep 15, 2026 · 3.82% APY
3.32%3.82%4.32%Sep 15, 2026: 3.82% APYSep 15, 2026Sep 28, 2026
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Month Certificate
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48 Month Certificates of Deposit (CDs)
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Mutual Savings Credit Union
48 Month Certificate of Deposit
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
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, 2026Sep 28, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
4 Year IRA Certificate
$1,000
3.65% ▲ 0.90% above national avg
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.90% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4 Year Business CD
$0
3.57% ▲ 0.82% above national avg
View
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.82% above avg
Details

Balance: $250,000 - and above

Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 4 times
3.07%3.57%4.07%Sep 11, 2026: 3.57% APYSep 11, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4 Year Certificate
$0
3.57% ▲ 0.82% above national avg
View
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.82% above avg
Details

Balance: $250,000 - and above

Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 4 times
3.07%3.57%4.07%Sep 11, 2026: 3.57% APYSep 11, 2026Sep 28, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
48 Month Share Certificate
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.75% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Month Certificate
$500
3.50% ▲ 0.75% above national avg
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.75% above avg
Details

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 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
48 Month Share Certificate Account - Regular Accounts
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.75% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Sep 28, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
48 Month Share Certificate Account - Roth or Traditional IRAs
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.75% above avg
Details

IRA and Coverdell Education Certificate accounts are only available for 12, 24, 36, 48 and 60 month terms.

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Sep 28, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
4 Year Share Certificates
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.75% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 Month IRA CD
$0
3.35% ▲ 0.60% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.60% above avg
Details

Balance: $500+; APY*

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 Month Jumbo CD
$0
3.35% ▲ 0.60% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.60% above avg
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4 Year Business CD
$0
3.30% ▲ 0.55% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.55% above avg
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4 Year Certificate
$0
3.30% ▲ 0.55% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.55% above avg
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Sep 28, 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% ▲ 0.55% above national avg
View
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.55% above avg
Details

Plus 5 Years of Membership

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, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
48 Month Certificate
$0
3.30% ▲ 0.55% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.55% above avg
Details

Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.

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, 2026Sep 28, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 Month standard CD
$500
3.30% ▲ 0.55% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.55% above avg
Details

Balance: $500 to $100,000

Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
48 Month Certificate
$0
3.25% ▲ 0.50% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business 48 Month Certificate
$0
3.25% ▲ 0.50% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
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, 2026Sep 28, 2026
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
48 Month Certificate of Deposit
$0
3.25% ▲ 0.50% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.50% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
48 Month Share Certificate
$100,000
3.21% ▲ 0.46% above national avg
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.46% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.21% APY
2.71%3.21%3.71%Sep 25, 2026: 3.21% APYSep 25, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
48 Month Traditional IRA and Roth IRA Certificate
$100,000
3.21% ▲ 0.46% above national avg
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.46% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.21% APY
2.71%3.21%3.71%Sep 25, 2026: 3.21% APYSep 25, 2026Sep 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year Certificate
$0
3.20% ▲ 0.45% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.45% above avg
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, 2026Sep 28, 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% ▲ 0.44% above national avg
View
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.44% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.19% APY · checked 3 times
2.69%3.19%3.69%Sep 14, 2026: 3.19% APYSep 14, 2026Sep 28, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
4 Year Share Certificates/CDs
$500
3.15% ▲ 0.40% above national avg
View
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.40% above avg
Details

An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.

Rate History
No change since Sep 12, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 12, 2026: 3.15% APYSep 12, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
4 Year CD
$0
3.15% ▲ 0.40% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.40% above avg
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, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
4 Year IRA CD
$0
3.15% ▲ 0.40% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.40% above avg
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, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
48 Month Special Certificate
$500
3.11% ▲ 0.36% above national avg
View
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.36% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.11% APY
2.61%3.11%3.61%Sep 25, 2026: 3.11% APYSep 25, 2026Sep 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year IRA Certificates
$0
3.10% ▲ 0.35% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.35% above avg
Details

Term: 4 Year IRA Certificate; $1,000 minimum balance to open

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Sep 28, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4 Year Term Share Certificate
$1,000
3.10% ▲ 0.35% above national avg
View
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.35% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Sep 28, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
4 Year Business CD
$1,000
3.10% ▲ 0.35% above national avg
View
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.35% above avg
Details

Maturing 13-month promotional CDs will not automatically renew with promotional features or rate. Offer good for initial term only and will renew as a standard 12-month CD. Offer applies for consumer, business, and IRA CDs. No monies accepted from brokers or financial institutions. FCCU reserves the right to end promotion at any time.

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, 2026Sep 28, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
4 Year Certificate
$0
3.10% ▲ 0.35% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.35% above avg
Details

FL

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, 2026Sep 28, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
4 Year Traditional CD
$1,000
3.10% ▲ 0.35% above national avg
View
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.35% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Sep 28, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
4 years Certificate
$0
3.10% ▲ 0.35% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.35% above avg
Details

Dividend Posting: Monthly

Rate History
No change since Sep 27, 2026 · 3.10% APY
2.60%3.10%3.60%Sep 27, 2026: 3.10% APYSep 27, 2026Sep 28, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
4 Year Certificate
$1,000
3.09% ▲ 0.34% above national avg
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.34% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Sep 28, 2026
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 Month Share Certificates
$500
3.04% ▲ 0.29% above national avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.29% above avg
Details

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, 2026Sep 28, 2026
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
48 Month Certificate
$0
3.00% ▲ 0.25% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.25% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
4-Year IRA Certificate
$500
3.00% ▲ 0.25% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.25% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
4-Year Term Share Certificate
$500
3.00% ▲ 0.25% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.25% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48-month term
$0
2.90% ▲ 0.15% above national avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.15% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 4 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard IRA CDs - 48-month term
$0
2.90% ▲ 0.15% above national avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.15% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Sep 28, 2026
Go Energy Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
4 Year Certificate Accounts
$0
2.79% ▲ 0.04% above national avg
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.04% above avg
Details

Balance: $1,000

Rate History
No change since Sep 18, 2026 · 2.79% APY · checked 3 times
2.29%2.79%3.29%Sep 18, 2026: 2.79% APYSep 18, 2026Sep 28, 2026

Sandy Springs 60 Month CD Rates

National 60 Month CD Average2.84% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
8010 Roswell Rd, Sandy Springs, GA 30350
60 Month Certificate
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

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, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1100 Hammond Dr Ste 100, Sandy Springs, GA 30328 8153
60 Month Certificate of Deposit Accounts
$0
3.15% ▲ 0.31% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.31% above avg
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, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
1100 Hammond Dr Ste 100, Sandy Springs, GA 30328 8153
60 Month IRA CDs
$0
3.15% ▲ 0.31% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.31% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.15% APY
2.65%3.15%3.65%Sep 22, 2026: 3.15% APYSep 22, 2026Sep 28, 2026
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
60 Month Share Certificate
$500
4.20% ▲ 1.36% above national avg
View
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Sep 28, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificates
$0
4.15% ▲ 1.31% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.31% above avg
Details

Penalty: 180 Days1

Rate History
No change since Sep 25, 2026 · 4.15% APY
3.65%4.15%4.65%Sep 25, 2026: 4.15% APYSep 25, 2026Sep 28, 2026
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
5 Year Certificate of Deposit
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 1.26% above avg
Details

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
60 Month Certificate
$500
4.10% ▲ 1.26% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.26% above avg
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
60 Month Certificate
$500
3.85% ▲ 1.01% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.01% above avg
Details

Automatic Renewal

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, 2026Sep 28, 2026
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
60 Month Term Certificate
$0
3.82% ▲ 0.98% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.84%▲ 0.98% above avg
Details

Rate History
No change since Sep 15, 2026 · 3.82% APY
3.32%3.82%4.32%Sep 15, 2026: 3.82% APYSep 15, 2026Sep 28, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month Certificates of Deposit (CDs)
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Mutual Savings Credit Union
60 Month Certificate of Deposit
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
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, 2026Sep 28, 2026
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
5 Year IRA Certificate
$1,000
3.70% ▲ 0.86% above national avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.86% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 22, 2026: 3.70% APYSep 22, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
5 Year Business CD
$0
3.57% ▲ 0.73% above national avg
View
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.73% above avg
Details

Balance: $250,000 - and above

Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 4 times
3.07%3.57%4.07%Sep 11, 2026: 3.57% APYSep 11, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
5 Year Certificate
$0
3.57% ▲ 0.73% above national avg
View
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.73% above avg
Details

Balance: $250,000 - and above

Rate History
No change since Sep 11, 2026 · 3.57% APY · checked 4 times
3.07%3.57%4.07%Sep 11, 2026: 3.57% APYSep 11, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Months Business Share Certificate/CD
$1,000
3.50% ▲ 0.66% above national avg
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.66% above avg
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Months CD
$1,000
3.50% ▲ 0.66% above national avg
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.66% above avg
Details

Balance: $1,000 - $9,999

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, 2026Sep 28, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
60 Month Share Certificate Account - Regular Accounts
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Sep 28, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
60 Month Share Certificate Account - Roth or Traditional IRAs
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

IRA and Coverdell Education Certificate accounts are only available for 12, 24, 36, 48 and 60 month terms.

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Sep 28, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
5 Year Share Certificates
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
60 Month Share Certificate
$0
3.45% ▲ 0.61% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.61% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Sep 28, 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% ▲ 0.60% above national avg
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.60% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 3 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Sep 28, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Year Advantage Share Certificate
$0
3.40% ▲ 0.56% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.56% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 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% ▲ 0.56% above national avg
View
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.56% above avg
Details

Plus 5 Years of Membership

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
60 Month IRA CD
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.51% above avg
Details

Balance: $500+; APY*

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
60 Month Jumbo CD
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.51% above avg
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
5 Year Certificate
$1,000
3.34% ▲ 0.50% above national avg
View
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.50% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 3 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
5 Year Business CD
$0
3.30% ▲ 0.46% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.46% above avg
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Sep 28, 2026
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
5 Year Certificate
$0
3.30% ▲ 0.46% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.46% above avg
Details

Balance: $0.01 - $249,999.99

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Sep 28, 2026
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
60 Month Certificate
$0
3.30% ▲ 0.46% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.46% above avg
Details

Tenure: 20+ Yrs; Active Checking: Yes

Rate History
No change since Sep 25, 2026 · 3.30% APY
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Sep 28, 2026
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 Month Share Certificates
$500
3.30% ▲ 0.46% above national avg
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.46% above avg
Details

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, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Certificate
$0
3.30% ▲ 0.46% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
Details

Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.

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, 2026Sep 28, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
60 Month standard CD
$500
3.30% ▲ 0.46% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.46% above avg
Details

Balance: $500 to $100,000

Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
5 Year CD
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
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, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
5 Year IRA CD
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
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, 2026Sep 28, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
5 Year Trust CD
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
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, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Certificate
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business 60 Month Certificate
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
Details

Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.

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, 2026Sep 28, 2026
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
60 Month Certificate of Deposit
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.41% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
60 Month Share Certificate
$100,000
3.21% ▲ 0.37% above national avg
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.37% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.21% APY
2.71%3.21%3.71%Sep 25, 2026: 3.21% APYSep 25, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
60 Month Traditional IRA and Roth IRA Certificate
$100,000
3.21% ▲ 0.37% above national avg
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.37% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.21% APY
2.71%3.21%3.71%Sep 25, 2026: 3.21% APYSep 25, 2026Sep 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
5 Year Certificate
$0
3.20% ▲ 0.36% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.36% above avg
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, 2026Sep 28, 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% ▲ 0.31% above national avg
View
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.31% above avg
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, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Variable Rate Certificate
$0
3.15% ▲ 0.31% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.31% above avg
Details

Term: 60 Month Variable Rate Certificate 1; Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.

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, 2026Sep 28, 2026
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
5-Year IRA Certificate
$500
3.15% ▲ 0.31% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.31% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
5-Year Term Share Certificate
$500
3.15% ▲ 0.31% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.31% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
60 Month Special Certificate
$500
3.11% ▲ 0.27% above national avg
View
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.27% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.11% APY
2.61%3.11%3.61%Sep 25, 2026: 3.11% APYSep 25, 2026Sep 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
5 Year IRA Certificates
$0
3.10% ▲ 0.26% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.26% above avg
Details

Term: 5 Year IRA Certificate; $1,000 minimum balance to open

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Variable Rate Certificate
$0
3.10% ▲ 0.26% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.26% above avg
Details

Term: 60 Month Variable Rate Certificate 1; APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 14, 2026: 3.15% APYSep 18, 2026: 3.10% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20263.10%▼ from 3.15%
  • Sep 14, 20263.15%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business 60 Month Variable Rate Certificate
$0
3.10% ▲ 0.26% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.26% above avg
Details

Term: 60 Month Variable Rate Certificate 1; APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60-month term
$0
3.10% ▲ 0.26% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.26% above avg
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, 2026Sep 28, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Sandy Springs, Georgia Institutions

Highest verified APYs available today, updated September 28, 2026

B Top 5 Bank Rates
Truist
12-month CD
A+ 5.0 ★ TX: 3.81%
Min: $0
3.25%
Austin Capital Bank
3 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.32%
Coastal States Bank (CSB)
18-Month CD
A 5.0 ★ TX: 7.00%
Min: $1,000
4.20%
New Millennium Bank
12 Month Certificates of Deposit
A+ 5.0 ★ TX: 3.49%
Min: $500
4.15%
City National Bank
Special 12-Month Fixed Rate
A+ 5.0 ★ TX: 5.66%
Min: $0
4.11%
CU Top 5 Credit Union Rates
Delta Community Credit Union
12 Month Certificate of Deposit Accounts
A+ 5.0 ★ TX: 1.24%
Min: $0
3.85%
MembersFirst Credit Union
12 Month Certificate
A+ 5.0 ★ TX: 1.12%
Min: $0
3.85%
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%
CDC Federal Credit Union
12 Month Certificate
A+ 5.0 ★ TX: 2.99%
Min: $0
4.59%
Rates verified September 28, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Sandy Springs, GA CD Rate Trends

Compare local Sandy Springs, 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
2.942%
▼ 0.010 vs 7 days ago

Georgia 12-month CD rates fell 0.010 points over the past 7 days to 2.942% APY.

6-Month CD GA Avg
2.768%
▲ 0.001 vs 7 days ago

Georgia 6-month CD rates rose 0.001 points over the past 7 days to 2.768% APY.

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

GA CD Rate Forecast, Next 12 Months

Where are Georgia CD rates headed through September 2027?

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

GA 12-Month Avg APY
2.942%
6-Month Forecast
2.942%
Range: 2.74% – 3.09%
12-Month Forecast
3.192%
Range: 2.99% – 3.34%

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 1.43% 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 2.076% $103.80 $207.59 $518.98 $1,037.95
6-Month CD 2.768% $138.39 $276.78 $691.95 $1,383.90
12-Month CD 2.942% $147.08 $294.15 $735.38 $1,470.75
18-Month CD 2.817% $140.84 $281.67 $704.18 $1,408.35
24-Month CD 2.836% $141.82 $283.64 $709.10 $1,418.20
36-Month CD 2.757% $137.86 $275.71 $689.28 $1,378.55
48-Month CD 2.751% $137.54 $275.08 $687.70 $1,375.40
60-Month CD 2.843% $142.17 $284.33 $710.83 $1,421.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 28, 2026.

Sample CD Ladder for Sandy Springs, 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 2.076% $103.80
2 6-Month CD $5,000 2.768% $138.39
3 12-Month CD $5,000 2.942% $147.08
4 24-Month CD $5,000 2.836% $141.82
5 36-Month CD $5,000 2.757% $137.86
Total ($25,000 invested) $25,000 2.676% blended $668.95/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.

673
CD Rates
Tracked in Sandy Springs, Georgia
21 Banks 52 Credit Unions

About Our Sandy Springs, Georgia CD Rate Database

MonitorBankRates tracks 673 CD rates from 21 banks and 52 credit unions with locations in Sandy Springs, Georgia, plus national online institutions available to Georgia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Delta Community Credit Union offers a CD at 3.85% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Sandy Springs, Georgia.

How to Find the Best CD Rates in Sandy Springs, Georgia

What to compare when shopping for a CD in Sandy Springs, Georgia

To find the best APYs in Sandy Springs, Georgia, start with credit unions and online-only banks: Sandy Springs, Georgia has 52 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 Sandy Springs, 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 Sandy Springs, Georgia: 73 institutions here report CD rates

Consider an Alternative If…

Sandy Springs, Georgia Financial Snapshot

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

Population 65+
14.3%
National avg: 17.3%
Median Individual Earnings
$67,179
National avg: $47,340
Poverty Rate
8.5%
National avg: 11.1%
Unemployment Rate
4.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$198/yr
At GA 12-mo avg 2.942% APY

14.3% of residents are 65 or older, below the national average of 17.3%. At today’s GA 12-month CD average of 2.942%, saving 10% of the local median salary ($6,717/year) and putting it in a CD would earn an additional $198 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 Sandy Springs, 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 (90–180 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 Sandy Springs, 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 Sandy Springs, 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 Sandy Springs, Georgia as everywhere in the U.S.

Choosing a CD Term in Sandy Springs, 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 Sandy Springs, Georgia savers easier access to their funds. For example, MembersFirst Credit Union is offering its 6 Month Certificate at 3.70% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, MembersFirst Credit Union is offering its 60 Month Certificate at 3.50% 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 Sandy Springs, 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 Sandy Springs, 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 Sandy Springs, 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 Sandy Springs, 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 Sandy Springs, Georgia

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

Are CD rates in Sandy Springs, Georgia FDIC insured?

Yes, most established banks in Sandy Springs, 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 Sandy Springs, 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 Sandy Springs, 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 Sandy Springs, 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 Sandy Springs, Georgia?

Here are recent top rates found for this area:
  • Delta Community Credit Union: 3.85% APY (12 Month Certificate of Deposit Accounts)
  • MembersFirst Credit Union: 3.85% APY (12 Month Certificate)
  • Truist: 3.25% APY (12-month CD)
  • 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)
  • CDC Federal Credit Union: 4.59% APY (12 Month Certificate)
  • Workmens Circle Incorporated Credit Union: 4.40% APY (Jumbo - Minimum Deposit of 24 Month Share or IRA Certificate)
  • Empeople Credit Union: 4.40% APY (18 Month Certificate)
  • Austin Capital Bank: 4.32% APY (3 Month Certificate of Deposit)
  • Tennessee Valley Federal Credit Union: 4.25% APY (12 Month Business Share Certificates)
Rates reflect recent verified offers available in Sandy Springs, Georgia. Last Updated: September 28, 2026

Sandy Springs, 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 Sandy Springs, 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 30–180 days of interest. Estimates are for informational purposes only.

Top Sandy Springs, Georgia CD Rates by Term

Verified September 28, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Sandy Springs, Georgia. Averages shown use the Georgia state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Sandy Springs, Georgia

Sandy Springs, Georgia CD Calculator

At today’s GA top rate of 3.85% APY, a $10,000 deposit earns $385 in the first year. Enter your amount to see your exact return.

Sandy Springs, Georgia CD Ladder

GA CD rates currently range from 2.076% (3-month) to 2.757% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Sandy Springs, Georgia CD at 3.85% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Georgia’s average 12-month CD is 2.942% 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 Sandy Springs, 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 Sandy Springs, 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 Sandy Springs, 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: September 28, 2026

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