Union Point, Georgia Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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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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.
Union Point, Georgia CD rates from banks and credit unions serving Georgia range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Union Point, Georgia CD rates include Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.89%Real return: +1.30%APY minus CPIRate verified Oct 23, 2026 offering 12 Month Family Legacy Certificate Account at 5.00% APY, P&S Credit UnionP&S Credit UnionA+5.0 ★Texas Ratio: 0.10%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering 12 Month Certificate - STUDENT Accounts at 5.00% APY, Georgia Heritage Federal Credit UnionGeorgia Heritage Federal Credit UnionA+5.0 ★Texas Ratio: 2.12%Real return: +1.10%APY minus CPIRate verified Oct 23, 2026 offering IRA Certificates - 60 Months at 4.80% APY, CDC Federal Credit UnionCDC Federal Credit UnionA+5.0 ★Texas Ratio: 2.99%Real return: +0.89%APY minus CPIRate verified Oct 23, 2026 offering Rewards Certificates - 12 Months at 4.59% APY, and Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 2.96%Real return: +0.88%APY minus CPIRate verified Oct 21, 2026 offering 3 Month Certificate of Deposit at 4.58% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Union Point is a smaller community with no bank or credit union branches currently in our database. 729 institutions serving the Georgia area are available to Union Point residents, with CD rates as high as 5.00% APY from Platinum Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026
Compare Best CD Rates in Union Point, Georgia & the Surrounding Area
Union Point 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$0
4.58%
▲ 2.80% above Georgia avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Georgia Average1.78%▲ 2.80% above avgNationally 2.13%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
1 change since Sep 27, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 3, 20264.58%▲ from 4.32%
- Sep 27, 20264.32%first recorded
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Month Certificate
$500
3.75%
▲ 1.97% above Georgia avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average1.78%▲ 1.97% above avgNationally 2.13%
Details
Fixed rate
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 3 Month Certificate
$5,000
3.75%
▲ 1.97% above Georgia avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.78%▲ 1.97% above avgNationally 2.13%
Details
Rate = dividend rate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000
Rate History
No change since Oct 19, 2026 · 3.75% APY
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3 Months
$1,000
3.70%
▲ 1.92% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▲ 1.92% above avgNationally 2.13%
Details
APYs accurate as of 03/27/2026; simple interest, not compounded; interest credited at maturity; auto-renews at maturity rate; early withdrawal penalty may apply; no monthly maintenance fees
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3-Month CD (Certificate of Deposit)
$1,000
3.25%
▲ 1.47% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▲ 1.47% above avgNationally 2.13%
Details
Special APY applicable to initial term only; accurate as of October 3, 2026; offer not available to funds currently on deposit at Seacoast Bank
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 3 times
First Technology Federal Credit Union
Traditional Share Certificates - 3-Month
$100,000
3.25%
▲ 1.47% above Georgia avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average1.78%▲ 1.47% above avgNationally 2.13%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
IRA Certificates - 3-Month
$100,000
3.25%
▲ 1.47% above Georgia avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average1.78%▲ 1.47% above avgNationally 2.13%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Arkansas Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
90-Day CD
$500
3.20%
▲ 1.42% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▲ 1.42% above avgNationally 2.13%
Details
Automatically renews for 90 days; Early withdrawal penalty may apply; APY accurate as of 12/17/2025
Rate History
No change since Sep 8, 2026 · 3.20% APY · checked 12 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
3 Month Certificates of Deposit
$1,000
3.05%
▲ 1.27% above Georgia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.78%▲ 1.27% above avgNationally 2.13%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; Penalty will be imposed for early withdrawal; Dividends compounded monthly
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Open Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
90 Day Certificate of Deposit
$1,000
3.02%
▲ 1.24% above Georgia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average1.78%▲ 1.24% above avgNationally 2.13%
Details
Balance: $1,000.00 - $250,000.00; Business & Consumer (Personal) Certificate of Deposit Accounts
Rate History
No change since Oct 22, 2026 · 3.02% APY
First Technology Federal Credit Union
Traditional Share Certificates - 3-Month
$500
3.00%
▲ 1.22% above Georgia avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average1.78%▲ 1.22% above avgNationally 2.13%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.00% APY
First Technology Federal Credit Union
IRA Certificates - 3-Month
$500
3.00%
▲ 1.22% above Georgia avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average1.78%▲ 1.22% above avgNationally 2.13%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.00% APY
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 3 Month
$0
2.94%
▲ 1.16% above Georgia avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▲ 1.16% above avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 7 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Personal CD
$0
2.78%
▲ 1.00% above Georgia avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▲ 1.00% above avgNationally 2.13%
Details
Term: 3 months (90 to 179 days)
Rate History
No change since Oct 14, 2026 · 2.78% APY · checked 2 times
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
Certificate - 90 Days
$1,000
2.65%
▲ 0.87% above Georgia avg
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.78%▲ 0.87% above avgNationally 2.13%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 9 times
Faith Connection Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Share Certificate - 3 months
$1,000
2.53%
▲ 0.75% above Georgia avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average1.78%▲ 0.75% above avgNationally 2.13%
Details
Dividends compounded monthly and credited monthly; penalty for early withdrawal
Rate History
No change since Oct 22, 2026 · 2.53% APY · checked 2 times
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Share Certificate 3 Months
$0
2.50%
▲ 0.72% above Georgia avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.78%▲ 0.72% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
CD 3-Month
$0
2.27%
▲ 0.49% above Georgia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.78%▲ 0.49% above avgNationally 2.13%
Details
Dividend Rate column labeled with *** footnote; APY** footnote applies
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 9 times
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA 3-Month Certificate
$0
2.27%
▲ 0.49% above Georgia avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.78%▲ 0.49% above avgNationally 2.13%
Details
IRA Certificate; Dividend Rate 2.25%
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 10 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month Certificate of Deposit
$500
2.00%
▲ 0.22% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▲ 0.22% above avgNationally 2.13%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55%
▼ 0.23% below Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▼ 0.23% below avgNationally 2.13%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.55% APY
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3 Month Share Certificate
$500
1.51%
▼ 0.27% below Georgia avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.78%▼ 0.27% below avgNationally 2.13%
Details
Dividend rate 1.50%; $500 minimum deposit required on all certificates; 3 and 6 Month certificates use simple dividend calculation
Rate History
No change since Oct 10, 2026 · 1.51% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.50%
▼ 0.28% below Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▼ 0.28% below avgNationally 2.13%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.50% APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 3 Month
$0
1.26%
▼ 0.52% below Georgia avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.78%▼ 0.52% below avgNationally 2.13%
Details
Regular Accounts minimum balance to earn APY; Education Savings: N/A; Roth or Traditional IRAs: N/A
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Month Jumbo Share Certificate
$100,000
1.12%
▼ 0.66% below Georgia avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average1.78%▼ 0.66% below avgNationally 2.13%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 1.12% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Month Share Certificate
$500
1.02%
▼ 0.76% below Georgia avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average1.78%▼ 0.76% below avgNationally 2.13%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
- Oct 15, 20261.02%▼ from 1.12%
- Sep 25, 20261.12%first recorded
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 90 Days
$0
1.00%
▼ 0.78% below Georgia avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.78%▼ 0.78% below avgNationally 2.13%
Details
Rate History
No change since Oct 13, 2026 · 1.00% APY · checked 3 times
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
Certificates of Deposit - 3 Months
$5,000
0.75%
▼ 1.03% below Georgia avg
▼
Rate0.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Georgia Average1.78%▼ 1.03% below avgNationally 2.13%
Details
Interest calculated daily; Early withdrawal penalty: 1 Month; Early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 times
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
90 Day Certificate of Deposit
$500
0.65%
▼ 1.13% below Georgia avg
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Georgia Average1.78%▼ 1.13% below avgNationally 2.13%
Details
Visit Office; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 0.60% → 0.65% ▲ 0.05 pts · high 0.65% / low 0.60%
- 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 Standard CDs - Rewards
$0
0.60%
▼ 1.18% below Georgia avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.78%▼ 1.18% below avgNationally 2.13%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Standard Rate CDs
$500
0.50%
▼ 1.28% below Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average1.78%▼ 1.28% below avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3 Month CD
$500
0.50%
▼ 1.28% below Georgia avg
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average1.78%▼ 1.28% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Regular
$0
0.50%
▼ 1.28% below Georgia avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average1.78%▼ 1.28% below avgNationally 2.13%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 2 times
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
90 Day Certificates of Deposit
$500
0.30%
▼ 1.48% below Georgia avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average1.78%▼ 1.48% below avgNationally 2.13%
Details
Compound: Simple
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 5 times
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Business Certificates of Deposit - 90 Day
$500
0.20%
▼ 1.58% below Georgia avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average1.78%▼ 1.58% below avgNationally 2.13%
Details
Compound Method: Simple; Minimum deposit to open account is $500; APY assumes interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 4 times
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Standard Certificate - 3 Month
$0
0.15%
▼ 1.63% below Georgia avg
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average1.78%▼ 1.63% below avgNationally 2.13%
Details
Standard Certificates - Consumer, IRA, & Business; Monthly & Quarterly Certificates; Dividend Rate/APY
Rate History
No change since Oct 13, 2026 · 0.15% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 1.72% below Georgia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▼ 1.72% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 1.73% below Georgia avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▼ 1.73% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 1.73% below Georgia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average1.78%▼ 1.73% below avgNationally 2.13%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
90 Day Regular CD Account
$0
0.05%
▼ 1.73% below Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▼ 1.73% below avgNationally 2.13%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 1.75% below Georgia avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▼ 1.75% below avgNationally 2.13%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
90 Day CD
$500
0.03%
▼ 1.75% below Georgia avg
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average1.78%▼ 1.75% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 9 times
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
90 Day Jumbo CD
$100,000
0.03%
▼ 1.75% below Georgia avg
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average1.78%▼ 1.75% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 9 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 1.76% below Georgia avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▼ 1.76% below avgNationally 2.13%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 1.77% below Georgia avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average1.78%▼ 1.77% below avgNationally 2.13%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
Union Point 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate of Deposit
$0
4.30%
▲ 1.35% above Georgia avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Georgia Average2.95%▲ 1.35% above avgNationally 2.78%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
1 change since Sep 27, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 3, 20264.30%▲ from 4.04%
- Sep 27, 20264.04%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate CD
$10,000
4.23%
▲ 1.28% above Georgia avg
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.95%▲ 1.28% above avgNationally 2.78%
Details
New money deposits required; $10,000 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.23% ▲ 0.23 pts · high 4.23% / low 4.00%
- Oct 20, 20264.23%▲ from 4.00%
- Oct 14, 20264.00%first recorded
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 6 Months
$0
4.20%
▲ 1.25% above Georgia avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.95%▲ 1.25% above avgNationally 2.78%
Details
Tier: $500 Minimum; Penalty: 90 Days1
Rate History
No change since Oct 15, 2026 · 4.20% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 6 Months
$0
4.20%
▲ 1.25% above Georgia avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.95%▲ 1.25% above avgNationally 2.78%
Details
Penalty: 90 Days1
Rate History
No change since Oct 12, 2026 · 4.20% APY · checked 3 times
Loyal Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
6 Month CD
$1,000
4.15%
▲ 1.20% above Georgia avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Georgia Average2.95%▲ 1.20% above avgNationally 2.78%
Details
Maximum opening deposit $1,000,000; early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 4.15% APY · checked 6 times
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificates - 6 Months
$1,000
4.15%
▲ 1.20% above Georgia avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.95%▲ 1.20% above avgNationally 2.78%
Details
Dividend Rate 4.11%; early withdrawal penalty applies
Rate History
No change since Oct 12, 2026 · 4.15% APY · checked 3 times
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6 Month Certificate of Deposit (CD)
$1,000
4.10%
▲ 1.15% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 1.15% above avgNationally 2.78%
Details
Term: 6 months through 5 years; Earn up to 4.10% annual percentage yield; Fixed interest terms from 6 months through 5 years; FDIC insured up to $250,000
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Oct 22, 20264.10%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 6 Month Certificate
$500
4.10%
▲ 1.15% above Georgia avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 1.15% above avgNationally 2.78%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.10% APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 6 Month
$0
4.06%
▲ 1.11% above Georgia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 1.11% above avgNationally 2.78%
Details
Regular Accounts minimum balance to earn APY; Education Savings: N/A; Roth or Traditional IRAs: N/A
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
6-Month CD
$1,000
4.00%
▲ 1.05% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 1.05% above avgNationally 2.78%
Details
Rate History
1 change since Sep 9, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
- Sep 27, 20264.00%▲ from 3.55%
- Sep 9, 20263.55%first recorded
Security Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
6 Month CD
$500
4.00%
▲ 1.05% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 1.05% above avgNationally 2.78%
Details
CD Rate Special; Rates available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit; APY accurate as of 09/21/2026
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 3 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6 Month Certificate
$0
4.00%
▲ 1.05% above Georgia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 1.05% above avgNationally 2.78%
Details
Certificates of Deposit effective May 28, 2025
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 6 Months
$0
4.00%
▲ 1.05% above Georgia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 1.05% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share or IRA Certificate
$100,000
4.00%
▲ 1.05% above Georgia avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 1.05% above avgNationally 2.78%
Details
Jumbo tier; Minimum Deposit of $100,000.00
Rate History
2 changes since Sep 14, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
- Oct 19, 20264.00%▲ from 3.50%
- Sep 22, 20263.50%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
180 Day Share Certificate
$500
4.00%
▲ 1.05% above Georgia avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 1.05% above avgNationally 2.78%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$500
3.95%
▲ 1.00% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 1.00% above avgNationally 2.78%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
6 Months Certificate
$1,000
3.81%
▲ 0.86% above Georgia avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 0.86% above avgNationally 2.78%
Details
Balance: $100,000; Early Withdrawal Penalty: 90 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 3.81% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 6 Months
$1,000
3.81%
▲ 0.86% above Georgia avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 0.86% above avgNationally 2.78%
Details
Balance: $100,000 minimum; Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Oct 22, 2026 · 3.81% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 6 Months
$0
3.81%
▲ 0.86% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 0.86% above avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Oct 22, 2026 · 3.81% APY
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Share Certificate 6 Months
$0
3.80%
▲ 0.85% above Georgia avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 0.85% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 6 Months
$1,000
3.75%
▲ 0.80% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.95%▲ 0.80% above avgNationally 2.78%
Details
APYs accurate as of 03/27/2026; simple interest, not compounded; interest credited at maturity; auto-renews at maturity rate; early withdrawal penalty may apply; no monthly maintenance fees
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
6 Month Certificate
$500
3.75%
▲ 0.80% above Georgia avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 0.80% above avgNationally 2.78%
Details
Fixed rate
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
6 Month Share Certificate/CD
$500
3.75%
▲ 0.80% above Georgia avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.95%▲ 0.80% above avgNationally 2.78%
Details
$500.00 and above; Promotional as-high-as rate for certificate terms per footnote; early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Oct 15, 20263.75%▲ from 3.60%
- Sep 12, 20263.60%first recorded
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
6 Month Certificate of Deposit
$1,000
3.75%
▲ 0.80% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 0.80% above avgNationally 2.78%
Details
Featured CD rate; APY accurate as of last dividend declaration; Rates effective as of 10.19.26
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
6 Month Certificates of Deposit
$1,000
3.75%
▲ 0.80% above Georgia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 0.80% above avgNationally 2.78%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; Penalty will be imposed for early withdrawal; Dividends compounded monthly
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term CD
$1,000
3.75%
▲ 0.80% above Georgia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 0.80% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month
$1,000
3.75%
▲ 0.80% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 0.80% above avgNationally 2.78%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
6 Month Certificate of Deposit Accounts
$1,000
3.70%
▲ 0.75% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 0.75% above avgNationally 2.78%
Details
Comparison table row for Delta Community; 6-Month term heading from page context; competitor rows (Chase Bank, Bank of America, Wells Fargo, PNC Bank) excluded as they are not Delta Community rates
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Oct 9, 20263.70%▲ from 3.55%
- Sep 14, 20263.55%first recorded
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
Certificate - 6 Months
$1,000
3.70%
▲ 0.75% above Georgia avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 0.75% above avgNationally 2.78%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
6 Months Certificate
$1,000
3.70%
▲ 0.75% above Georgia avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 0.75% above avgNationally 2.78%
Details
Balance: $1,000; Early Withdrawal Penalty: 90 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 3.70% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 6 Months
$1,000
3.70%
▲ 0.75% above Georgia avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 0.75% above avgNationally 2.78%
Details
Balance: $1,000 minimum; Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Oct 22, 2026 · 3.70% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 6 Months
$0
3.70%
▲ 0.75% above Georgia avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 0.75% above avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Oct 22, 2026 · 3.70% APY
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
Share Certificate - 6 Months
$500
3.65%
▲ 0.70% above Georgia avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.95%▲ 0.70% above avgNationally 2.78%
Details
$500 minimum; Annual Dividend Rate 3.59%
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 8 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
6 Month Certificate of Deposit
$1,000
3.65%
▲ 0.70% above Georgia avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.95%▲ 0.70% above avgNationally 2.78%
Details
Balance: $1,000 - $9,999; Regular and IRA CD; Dividend rate accurate as of August 5th, 2026
Rate History
No change since Oct 23, 2026 · 3.65% APY
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 6 Months
$0
3.65%
▲ 0.70% above Georgia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.95%▲ 0.70% above avgNationally 2.78%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 6 months
$1,000
3.65%
▲ 0.70% above Georgia avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.95%▲ 0.70% above avgNationally 2.78%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6 Month Certificate of Deposit
$500
3.62%
▲ 0.67% above Georgia avg
▼
Rate3.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 0.67% above avgNationally 2.78%
Details
Interest credited monthly
Rate History
No change since Oct 22, 2026 · 3.62% APY
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6 Month Business Certificates of Deposit
$500
3.60%
▲ 0.65% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 0.65% above avgNationally 2.78%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 22, 2026 · 3.60% APY
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificates - 6 months
$0
3.55%
▲ 0.60% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.95%▲ 0.60% above avgNationally 2.78%
Details
90 day interest penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Member Merits (Gold) 6 Month Certificate
$0
3.55%
▲ 0.60% above Georgia avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 0.60% above avgNationally 2.78%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.49%
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Open Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
180 Day Certificate of Deposit
$1,000
3.50%
▲ 0.55% above Georgia avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 0.55% above avgNationally 2.78%
Details
Balance: $1,000.00 - $250,000.00; Business & Consumer (Personal) Certificate of Deposit Accounts
Rate History
No change since Oct 22, 2026 · 3.50% APY
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
Share and IRA Certificate - 6-Month Certificate
$1,000
3.50%
▲ 0.55% above Georgia avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.95%▲ 0.55% above avgNationally 2.78%
Details
Balance: $1,000.00 & above; $500 minimum to open for Johnny Appleseed; APY accurate as of October 7, 2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 Month Term Share Certificate (or CD)
$0
3.50%
▲ 0.55% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.95%▲ 0.55% above avgNationally 2.78%
Details
Rate: Dividend Rate; $1,000 & Up; Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
First Technology Federal Credit Union
Traditional Share Certificates - 6-Month
$100,000
3.50%
▲ 0.55% above Georgia avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 0.55% above avgNationally 2.78%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
IRA Certificates - 6-Month
$100,000
3.50%
▲ 0.55% above Georgia avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 0.55% above avgNationally 2.78%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Certificate
$0
3.50%
▲ 0.55% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 0.55% above avgNationally 2.78%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
- Sep 18, 20263.50%▼ from 3.55%
- Sep 14, 20263.55%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Certificate of Deposit - 6 Month Certificate
$0
3.50%
▲ 0.55% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 0.55% above avgNationally 2.78%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share or IRA Certificate
$1,000
3.50%
▲ 0.55% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 0.55% above avgNationally 2.78%
Details
Standard - Minimum Deposit of $1,000.00
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Sep 22, 20263.50%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
6 Month Share Certificate
$500
3.50%
▲ 0.55% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.95%▲ 0.55% above avgNationally 2.78%
Details
Dividend rate 3.45%; $500 minimum deposit required on all certificates; 3 and 6 Month certificates use simple dividend calculation
Rate History
No change since Oct 10, 2026 · 3.50% APY · checked 2 times
Center Parc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
Jumbo Certificate Less Than 1 Year Account - 6 Month
$100,000
3.45%
▲ 0.50% above Georgia avg
▼
Rate3.42%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.95%▲ 0.50% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 3.45% APY
Union Point 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Family Legacy Certificate Account
$0
5.00%
▲ 1.76% above Georgia avg
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.24%▲ 1.76% above avgNationally 2.99%
Details
Family Legacy Certificate Account for a beneficiary/representative of a deceased member; must be opened within two years of the date of death; eligibility subject to verification; one renewal at rate in effect at maturity; rate not guaranteed to match original; Dividend Rate accurate as of July 24th, 2026
Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
- Sep 17, 20265.00%▲ from 4.91%
- Sep 14, 20264.91%first recorded
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificate - STUDENT Accounts
$100
5.00%
▲ 1.76% above Georgia avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 1.76% above avgNationally 2.99%
Details
Maximum $10,000; Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 9 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Rewards Certificates - 12 Months
$1,000
4.59%
▲ 1.35% above Georgia avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.24%▲ 1.35% above avgNationally 2.99%
Details
Tenure: 20+ Yrs; Active Checking: Yes
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.59% ▲ 0.52 pts · high 4.59% / low 4.07%
- Oct 23, 20264.59%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificates - 12 Months
$1,000
4.50%
▲ 1.26% above Georgia avg
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.24%▲ 1.26% above avgNationally 2.99%
Details
Dividend Rate 4.43%; early withdrawal penalty applies
Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 3 times
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Share or IRA Certificate
$100,000
4.40%
▲ 1.16% above Georgia avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 1.16% above avgNationally 2.99%
Details
Jumbo tier; Minimum Deposit of $100,000.00
Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.40% ▲ 0.90 pts · high 4.40% / low 3.50%
- Oct 19, 20264.40%▲ from 3.70%
- Sep 22, 20263.70%▲ from 3.50%
- Sep 14, 20263.50%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 12-Month Fixed Rate CD
$2,500
4.39%
▲ 1.15% above Georgia avg
▼
Rate4.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average3.24%▲ 1.15% above avgNationally 2.99%
Details
New money deposits required; $2,500 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.11% → 4.39% ▲ 0.28 pts · high 4.39% / low 4.11%
- Oct 20, 20264.39%▲ from 4.11%
- Oct 14, 20264.11%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.11% above Georgia avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average3.24%▲ 1.11% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 12 Months
$0
4.35%
▲ 1.11% above Georgia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.24%▲ 1.11% above avgNationally 2.99%
Details
Tier: $500 Minimum; Penalty: 90 Days1
Rate History
No change since Oct 15, 2026 · 4.35% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 12 Months
$0
4.35%
▲ 1.11% above Georgia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.24%▲ 1.11% above avgNationally 2.99%
Details
Penalty: 90 Days1
Rate History
No change since Oct 12, 2026 · 4.35% APY · checked 3 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 12 Month Certificate
$500
4.30%
▲ 1.06% above Georgia avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 1.06% above avgNationally 2.99%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.30% APY
Loyal Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
12 Month CD
$1,000
4.25%
▲ 1.01% above Georgia avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Georgia Average3.24%▲ 1.01% above avgNationally 2.99%
Details
Maximum opening deposit $1,000,000; early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 4.25% APY · checked 6 times
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
12 Month Certificate
$500
4.25%
▲ 1.01% above Georgia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 1.01% above avgNationally 2.99%
Details
Fixed rate
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Center Parc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate - 24 Month
$100,000
4.20%
▲ 0.96% above Georgia avg
▼
Rate4.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.96% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 4.20% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10%
▲ 0.86% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average3.24%▲ 0.86% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
12-Month CD
$1,000
4.10%
▲ 0.86% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.86% above avgNationally 2.99%
Details
Rate History
1 change since Sep 9, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
- Sep 27, 20264.10%▲ from 3.40%
- Sep 9, 20263.40%first recorded
Center Parc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
Certificate 1 Year or Greater Account - 24 Month
$500
4.10%
▲ 0.86% above Georgia avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.86% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 4.10% APY
Center Parc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
Jumbo Certificate Less Than 1 Year Account - 9 Month
$100,000
4.10%
▲ 0.86% above Georgia avg
▼
Rate4.02%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.86% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 4.10% APY
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
12 Month Share Certificate
$500
4.10%
▲ 0.86% above Georgia avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.86% above avgNationally 2.99%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 5 times
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Rewards Certificates - 12 Months
$1,000
4.07%
▲ 0.83% above Georgia avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.24%▲ 0.83% above avgNationally 2.99%
Details
Tenure: 15-19 Yrs; Active Checking: Yes
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05%
▲ 0.81% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average3.24%▲ 0.81% above avgNationally 2.99%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.05% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
12 Month Certificate
$1,000
4.01%
▲ 0.77% above Georgia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.77% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days Dividends; Balance tier: $100,000; Rates effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.01% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
12 Months Certificate
$1,000
4.01%
▲ 0.77% above Georgia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.77% above avgNationally 2.99%
Details
Balance: $100,000; Early Withdrawal Penalty: 90 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.01% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 12 Months
$1,000
4.01%
▲ 0.77% above Georgia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.77% above avgNationally 2.99%
Details
Balance: $100,000 minimum; Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.01% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 12 Months
$0
4.01%
▲ 0.77% above Georgia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.77% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.01% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00%
▲ 0.76% above Georgia avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average3.24%▲ 0.76% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.00% APY
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month Certificate of Deposit
$0
4.00%
▲ 0.76% above Georgia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Georgia Average3.24%▲ 0.76% above avgNationally 2.99%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
1 change since Sep 27, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 3, 20264.00%▲ from 3.00%
- Sep 27, 20263.00%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
1 Year Share Certificate/CD
$500
4.00%
▲ 0.76% above Georgia avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.24%▲ 0.76% above avgNationally 2.99%
Details
$500.00 and above; Promotional as-high-as rate for certificate terms per footnote; early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 15, 20264.00%▲ from 3.75%
- Sep 12, 20263.75%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
12 Month Certificate of Deposit Accounts
$0
4.00%
▲ 0.76% above Georgia avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.76% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 9, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 12 Months
$0
4.00%
▲ 0.76% above Georgia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.76% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Center Parc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
Certificate Less Than 1 Year Account - 9 Month
$500
4.00%
▲ 0.76% above Georgia avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.76% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 4.00% APY
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
12 Month IRA CD
$0
4.00%
▲ 0.76% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.76% above avgNationally 2.99%
Details
Balance: $500 and above; Retirement account (IRA)
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 19, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
12 Month Jumbo CD
$0
4.00%
▲ 0.76% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.76% above avgNationally 2.99%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 10, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Year Share Certificate
$500
4.00%
▲ 0.76% above Georgia avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.76% above avgNationally 2.99%
Details
Dividend rate 3.94%; $500 minimum deposit required on all certificates; compounded quarterly
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
Go Energy Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Certificate Accounts - 1 year
$0
4.00%
▲ 0.76% above Georgia avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.76% above avgNationally 2.99%
Details
Effective as of July 1, 2025
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term CD
$1,000
4.00%
▲ 0.76% above Georgia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.76% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year
$1,000
4.00%
▲ 0.76% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.76% above avgNationally 2.99%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
IRA Term Certificate - 12 Months
$0
3.98%
▲ 0.74% above Georgia avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.74% above avgNationally 2.99%
Details
Effective Date: October 1, 2026; All term share accounts are fixed rate accounts
Rate History
No change since Oct 22, 2026 · 3.98% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Term Certificate - 12 Months
$0
3.98%
▲ 0.74% above Georgia avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.74% above avgNationally 2.99%
Details
Effective Date: October 1, 2026
Rate History
1 change since Sep 15, 2026 · 3.72% → 3.98% ▲ 0.26 pts · high 3.98% / low 3.72%
- Oct 22, 20263.98%▲ from 3.72%
- Sep 15, 20263.72%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Standard CD - 12 mo. standard CD
$0
3.95%
▲ 0.71% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.71% above avgNationally 2.99%
Details
Tier Structure: $500 to $100,000
Rate History
No change since Oct 19, 2026 · 3.95% APY
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year IRA Advantage Share Certificate
$1,000
3.90%
▲ 0.66% above Georgia avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.24%▲ 0.66% above avgNationally 2.99%
Details
Advantage Certificate; Effective September 28, 2026; Dividends paid monthly
Rate History
No change since Oct 15, 2026 · 3.90% APY · checked 2 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Loyalty Term Share Certificate (or CD)
$0
3.90%
▲ 0.66% above Georgia avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.24%▲ 0.66% above avgNationally 2.99%
Details
Rate: Dividend Rate; $10,000 & Up Plus 5 Years of Membership; Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 3 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificate
$500
3.90%
▲ 0.66% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.66% above avgNationally 2.99%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
12 Month Certificate
$1,000
3.90%
▲ 0.66% above Georgia avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.66% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days Dividends; Balance tier: $1,000; Rates effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 3.90% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
12 Months Certificate
$1,000
3.90%
▲ 0.66% above Georgia avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.66% above avgNationally 2.99%
Details
Balance: $1,000; Early Withdrawal Penalty: 90 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 3.90% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 12 Months
$1,000
3.90%
▲ 0.66% above Georgia avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.66% above avgNationally 2.99%
Details
Balance: $1,000 minimum; Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Oct 22, 2026 · 3.90% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 12 Months
$0
3.90%
▲ 0.66% above Georgia avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.24%▲ 0.66% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Oct 22, 2026 · 3.90% APY
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificates - 12 months
$0
3.85%
▲ 0.61% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.24%▲ 0.61% above avgNationally 2.99%
Details
90 day interest penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1 Year CD
$200
3.85%
▲ 0.61% above Georgia avg
▼
Rate3.80%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.61% above avgNationally 2.99%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1 Year IRA CD
$200
3.85%
▲ 0.61% above Georgia avg
▼
Rate3.80%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.61% above avgNationally 2.99%
Details
May be used for Traditional Individual Retirement Accounts; Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1 Year Trust CD
$200
3.85%
▲ 0.61% above Georgia avg
▼
Rate3.80%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.24%▲ 0.61% above avgNationally 2.99%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Union Point 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 18 Months
$0
4.45%
▲ 1.37% above Georgia avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.08%▲ 1.37% above avgNationally 2.88%
Details
Tier: $500 Minimum; Penalty: 120 Days1
Rate History
No change since Oct 15, 2026 · 4.45% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 18 Months
$0
4.45%
▲ 1.37% above Georgia avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.08%▲ 1.37% above avgNationally 2.88%
Details
Penalty: 120 Days1
Rate History
No change since Oct 12, 2026 · 4.45% APY · checked 3 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 18 Month Certificate
$500
4.40%
▲ 1.32% above Georgia avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 1.32% above avgNationally 2.88%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.40% APY
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Promotional Share Certificate
$500
4.27%
▲ 1.19% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 1.19% above avgNationally 2.88%
Details
Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term
Rate History
No change since Oct 22, 2026 · 4.27% APY
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Share Certificate
$0
4.27%
▲ 1.19% above Georgia avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 1.19% above avgNationally 2.88%
Details
Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 4.27% APY
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificates - 18 Months
$1,000
4.25%
▲ 1.17% above Georgia avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.08%▲ 1.17% above avgNationally 2.88%
Details
Dividend Rate 4.18%; early withdrawal penalty applies
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Certificate
$1,000
4.21%
▲ 1.13% above Georgia avg
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 1.13% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 90 Days Dividends; Balance tier: $100,000; Rates effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.21% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Months Certificate
$1,000
4.21%
▲ 1.13% above Georgia avg
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 1.13% above avgNationally 2.88%
Details
Balance: $100,000; Early Withdrawal Penalty: 90 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.21% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 18 Months
$1,000
4.21%
▲ 1.13% above Georgia avg
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 1.13% above avgNationally 2.88%
Details
Balance: $100,000 minimum; Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.21% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 18 Months
$0
4.21%
▲ 1.13% above Georgia avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 1.13% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.21% APY
Coastal States Bank (CSB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
18-Month CD
$1,000
4.20%
▲ 1.12% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 1.12% above avgNationally 2.88%
Details
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 1.07% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average3.08%▲ 1.07% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Share Certificate
$500
4.15%
▲ 1.07% above Georgia avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 1.07% above avgNationally 2.88%
Details
Dividend rate 4.09%; $500 minimum deposit required on all certificates; compounded quarterly
Rate History
No change since Oct 10, 2026 · 4.15% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 1.02% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average3.08%▲ 1.02% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Certificate
$1,000
4.10%
▲ 1.02% above Georgia avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 1.02% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 90 Days Dividends; Balance tier: $1,000; Rates effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.10% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Months Certificate
$1,000
4.10%
▲ 1.02% above Georgia avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 1.02% above avgNationally 2.88%
Details
Balance: $1,000; Early Withdrawal Penalty: 90 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.10% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 18 Months
$1,000
4.10%
▲ 1.02% above Georgia avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 1.02% above avgNationally 2.88%
Details
Balance: $1,000 minimum; Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.10% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 18 Months
$0
4.10%
▲ 1.02% above Georgia avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 1.02% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 90 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.10% APY
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
18 Month Certificate of Deposit
$1,000
4.00%
▲ 0.92% above Georgia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.92% above avgNationally 2.88%
Details
Featured CD rate; APY accurate as of last dividend declaration; Rates effective as of 10.19.26
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
18 Month Certificates of Deposit
$1,000
4.00%
▲ 0.92% above Georgia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.92% above avgNationally 2.88%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; Penalty will be imposed for early withdrawal; Dividends compounded monthly
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
IRA Term Certificate - 18 Months
$0
3.98%
▲ 0.90% above Georgia avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 0.90% above avgNationally 2.88%
Details
Effective Date: October 1, 2026; All term share accounts are fixed rate accounts
Rate History
No change since Oct 22, 2026 · 3.98% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Term Certificate - 18 Months
$0
3.98%
▲ 0.90% above Georgia avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 0.90% above avgNationally 2.88%
Details
Effective Date: October 1, 2026
Rate History
1 change since Sep 15, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
- Oct 22, 20263.98%▲ from 3.77%
- Sep 15, 20263.77%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposit (CDs) - 18 Months
$500
3.95%
▲ 0.87% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.87% above avgNationally 2.88%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.80%
▲ 0.72% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.72% above avgNationally 2.88%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 0.72% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.72% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80%
▲ 0.72% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.72% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80%
▲ 0.72% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.72% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
$0
3.80%
▲ 0.72% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.72% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.80%
▲ 0.72% above Georgia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.72% above avgNationally 2.88%
Details
Rewards APY
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 19, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
First Technology Federal Credit Union
Bump Up Share Certificates - 18-Month Bump Up
$100,000
3.75%
▲ 0.67% above Georgia avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 0.67% above avgNationally 2.88%
Details
Balance: $100,000 +
Rate History
No change since Oct 22, 2026 · 3.75% APY
First Technology Federal Credit Union
IRA Certificates - 18-Month Bump Up
$100,000
3.75%
▲ 0.67% above Georgia avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 0.67% above avgNationally 2.88%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.75% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70%
▲ 0.62% above Georgia avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average3.08%▲ 0.62% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA 18-Month Certificate
$0
3.66%
▲ 0.58% above Georgia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.58% above avgNationally 2.88%
Details
IRA Certificate; Dividend Rate 3.60%
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 10 times
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
Certificate - 18 Months
$1,000
3.65%
▲ 0.57% above Georgia avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.57% above avgNationally 2.88%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18-Month Jumbo CD
$0
3.61%
▲ 0.53% above Georgia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.53% above avgNationally 2.88%
Details
Jumbo CD; Minimum Deposit required, call CORE Credit Union for more details
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 8 times
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
CD 18-Month
$0
3.61%
▲ 0.53% above Georgia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.53% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 9 times
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
Share and IRA Certificate - 18 months
$500
3.56%
▲ 0.48% above Georgia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.48% above avgNationally 2.88%
Details
Dividends are compounded and credited quarterly.
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
18 Month Certificate
$500
3.50%
▲ 0.42% above Georgia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 0.42% above avgNationally 2.88%
Details
Fixed rate
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
18 Month CD
$500
3.50%
▲ 0.42% above Georgia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.08%▲ 0.42% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
First Technology Federal Credit Union
Bump Up Share Certificates - 18-Month Bump Up
$500
3.50%
▲ 0.42% above Georgia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 0.42% above avgNationally 2.88%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
IRA Certificates - 18-Month Bump Up
$500
3.50%
▲ 0.42% above Georgia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.08%▲ 0.42% above avgNationally 2.88%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.50% APY
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Share Certificate 18 Months
$0
3.50%
▲ 0.42% above Georgia avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.42% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 18 Months IRA
$0
3.50%
▲ 0.42% above Georgia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.42% above avgNationally 2.88%
Details
IRA
Rate History
No change since Oct 19, 2026 · 3.50% APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 18 Month
$0
3.50%
▲ 0.42% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.42% above avgNationally 2.88%
Details
Regular Accounts minimum balance to earn APY; Education Savings: N/A; Roth or Traditional IRAs: N/A
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 18 Month
$0
3.46%
▲ 0.38% above Georgia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average3.08%▲ 0.38% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.46% APY · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
18 Month Jumbo Share Certificate
$100,000
3.41%
▲ 0.33% above Georgia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.08%▲ 0.33% above avgNationally 2.88%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.41% APY · checked 2 times
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificates - 18 months
$0
3.40%
▲ 0.32% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.08%▲ 0.32% above avgNationally 2.88%
Details
90 day interest penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
18 Month Share Certificate
$500
3.35%
▲ 0.27% above Georgia avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.27% above avgNationally 2.88%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
18 Month Share Certificate
$500
3.31%
▲ 0.23% above Georgia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.08%▲ 0.23% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 15, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Member Merits (Gold) 18 Month Certificate
$0
3.30%
▲ 0.22% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.08%▲ 0.22% above avgNationally 2.88%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Union Point 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 24 Months
$0
4.50%
▲ 1.50% above Georgia avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.00%▲ 1.50% above avgNationally 2.90%
Details
Tier: $500 Minimum; Penalty: 180 Days1
Rate History
No change since Oct 15, 2026 · 4.50% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 24 Months
$0
4.50%
▲ 1.50% above Georgia avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.00%▲ 1.50% above avgNationally 2.90%
Details
Penalty: 180 Days1
Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 3 times
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share or IRA Certificate
$100,000
4.50%
▲ 1.50% above Georgia avg
▼
Rate4.41%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 1.50% above avgNationally 2.90%
Details
Jumbo tier; Minimum Deposit of $100,000.00
Rate History
2 changes since Sep 14, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
- Oct 19, 20264.50%▲ from 3.80%
- Sep 22, 20263.80%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3-Step Share Certificate - 24 Months
$500
4.40%
▲ 1.40% above Georgia avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.00%▲ 1.40% above avgNationally 2.90%
Details
Balance: $500 Minimum; Penalty: 180 Days (See 2 below); Member may withdraw up to 50% of initial deposit after the first seven days without penalty once during the term of the certificate
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 4 times
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
Share and IRA Certificate - 2-Year Certificate
$1,000
4.25%
▲ 1.25% above Georgia avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.00%▲ 1.25% above avgNationally 2.90%
Details
Balance: $1,000.00 & above; $500 minimum to open for Johnny Appleseed; APY accurate as of October 7, 2026
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 24 Month Certificate
$500
4.25%
▲ 1.25% above Georgia avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 1.25% above avgNationally 2.90%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.25% APY
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
24 Month Share Certificate
$500
4.20%
▲ 1.20% above Georgia avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 1.20% above avgNationally 2.90%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
Center Parc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
24-Month CD
$500
4.10%
▲ 1.10% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 1.10% above avgNationally 2.90%
Details
Standard CD; $500 minimum for Standard CDs, $2,000 for IRA CDs, to earn advertised 4.10% APY
Rate History
No change since Oct 22, 2026 · 4.10% APY
Center Parc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
IRA Certificate Account - 24 Month
$2,000
4.10%
▲ 1.10% above Georgia avg
▼
Rate4.02%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 1.10% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 4.10% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
IRA Term Certificate - 24 Months
$0
4.08%
▲ 1.08% above Georgia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 1.08% above avgNationally 2.90%
Details
Effective Date: October 1, 2026; All term share accounts are fixed rate accounts
Rate History
No change since Oct 22, 2026 · 4.08% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Term Certificate - 24 Months
$0
4.08%
▲ 1.08% above Georgia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 1.08% above avgNationally 2.90%
Details
Effective Date: October 1, 2026
Rate History
1 change since Sep 15, 2026 · 3.77% → 4.08% ▲ 0.31 pts · high 4.08% / low 3.77%
- Oct 22, 20264.08%▲ from 3.77%
- Sep 15, 20263.77%first recorded
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
24 Month Certificate
$1,000
4.01%
▲ 1.01% above Georgia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 1.01% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days Dividends; Balance tier: $100,000; Rates effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.01% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
24 Months Certificate
$1,000
4.01%
▲ 1.01% above Georgia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 1.01% above avgNationally 2.90%
Details
Balance: $100,000; Early Withdrawal Penalty: 180 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.01% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 24 Months
$1,000
4.01%
▲ 1.01% above Georgia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 1.01% above avgNationally 2.90%
Details
Balance: $100,000 minimum; Early Withdrawal Penalty: 180 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.01% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 24 Months
$0
4.01%
▲ 1.01% above Georgia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 1.01% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.01% APY
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificates - 24 Months
$1,000
4.00%
▲ 1.00% above Georgia avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.00%▲ 1.00% above avgNationally 2.90%
Details
Dividend Rate 3.94%; early withdrawal penalty applies
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Certificate of Deposit
$1,000
4.00%
▲ 1.00% above Georgia avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.00%▲ 1.00% above avgNationally 2.90%
Details
Balance: $1,000 - $9,999; Regular and IRA CD; Dividend rate accurate as of August 5th, 2026
Rate History
No change since Oct 23, 2026 · 4.00% APY
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 24 Months
$0
4.00%
▲ 1.00% above Georgia avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.00%▲ 1.00% above avgNationally 2.90%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 24 months
$1,000
4.00%
▲ 1.00% above Georgia avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.00%▲ 1.00% above avgNationally 2.90%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Year CD
$200
4.00%
▲ 1.00% above Georgia avg
▼
Rate3.94%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 1.00% above avgNationally 2.90%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 9, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Year IRA CD
$200
4.00%
▲ 1.00% above Georgia avg
▼
Rate3.94%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 1.00% above avgNationally 2.90%
Details
May be used for Traditional Individual Retirement Accounts; Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 9, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Year Trust CD
$200
4.00%
▲ 1.00% above Georgia avg
▼
Rate3.94%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 1.00% above avgNationally 2.90%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 9, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
24 Month Certificate
$500
4.00%
▲ 1.00% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 1.00% above avgNationally 2.90%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
24 Month Certificate
$1,000
3.90%
▲ 0.90% above Georgia avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 0.90% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days Dividends; Balance tier: $1,000; Rates effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 3.90% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
24 Months Certificate
$1,000
3.90%
▲ 0.90% above Georgia avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 0.90% above avgNationally 2.90%
Details
Balance: $1,000; Early Withdrawal Penalty: 180 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 3.90% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 24 Months
$1,000
3.90%
▲ 0.90% above Georgia avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 0.90% above avgNationally 2.90%
Details
Balance: $1,000 minimum; Early Withdrawal Penalty: 180 Days Dividends
Rate History
No change since Oct 22, 2026 · 3.90% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 24 Months
$0
3.90%
▲ 0.90% above Georgia avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 0.90% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days Dividends
Rate History
No change since Oct 22, 2026 · 3.90% APY
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposit (CDs) - 24 Months
$500
3.85%
▲ 0.85% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 0.85% above avgNationally 2.90%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share or IRA Certificate
$1,000
3.80%
▲ 0.80% above Georgia avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 0.80% above avgNationally 2.90%
Details
Standard - Minimum Deposit of $1,000.00
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
- Sep 22, 20263.80%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
24 Month IRA CD
$0
3.80%
▲ 0.80% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 0.80% above avgNationally 2.90%
Details
Balance: $500 and above; Retirement account (IRA)
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.80% ▲ 0.55 pts · high 3.80% / low 3.25%
- Oct 19, 20263.80%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
24 Month Jumbo CD
$0
3.80%
▲ 0.80% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 0.80% above avgNationally 2.90%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.80% ▲ 0.55 pts · high 3.80% / low 3.25%
- Oct 10, 20263.80%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Standard CD - 24 mo. standard CD
$0
3.75%
▲ 0.75% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 0.75% above avgNationally 2.90%
Details
Tier Structure: $500 to $100,000
Rate History
No change since Oct 19, 2026 · 3.75% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.70%
▲ 0.70% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average3.00%▲ 0.70% above avgNationally 2.90%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.66%
▲ 0.66% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average3.00%▲ 0.66% above avgNationally 2.90%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.66% APY
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share Certificate - 24 Month
$500
3.66%
▲ 0.66% above Georgia avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.00%▲ 0.66% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 2.84% → 3.66% ▲ 0.82 pts · high 3.66% / low 2.84%
- Oct 23, 20263.66%▲ from 2.84%
- Sep 14, 20262.84%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
2 Year Share Certificate/CD
$500
3.65%
▲ 0.65% above Georgia avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.00%▲ 0.65% above avgNationally 2.90%
Details
$500.00 and above; Promotional as-high-as rate for certificate terms per footnote; early withdrawal penalty applies
Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 9 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month EasyStart Certificate
$50
3.60%
▲ 0.60% above Georgia avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average3.00%▲ 0.60% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.60% APY
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
Share Certificate - 24 Months
$500
3.60%
▲ 0.60% above Georgia avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average3.00%▲ 0.60% above avgNationally 2.90%
Details
$500 minimum; Annual Dividend Rate 3.54%
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
JUMBO Regular & IRA Certificates - 2 Year
$100,000
3.60%
▲ 0.60% above Georgia avg
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.00%▲ 0.60% above avgNationally 2.90%
Details
Jumbo certificate; Required minimum amounts to open and to earn APY
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
CD's - 2 Year
$1,000
3.57%
▲ 0.57% above Georgia avg
▼
Rate3.51%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Georgia Average3.00%▲ 0.57% above avgNationally 2.90%
Details
Balance: $250,000 and above; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 21, 2026 · 3.57% APY
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
Share and IRA Certificate - 24 months
$500
3.56%
▲ 0.56% above Georgia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 0.56% above avgNationally 2.90%
Details
Dividends are compounded and credited quarterly.
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24-Month Share Certificate
$0
3.52%
▲ 0.52% above Georgia avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 0.52% above avgNationally 2.90%
Details
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 3.52% APY
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
24 Month CD
$500
3.50%
▲ 0.50% above Georgia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.00%▲ 0.50% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 Year Loyalty Term Share Certificate (or CD)
$0
3.50%
▲ 0.50% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average3.00%▲ 0.50% above avgNationally 2.90%
Details
Rate: Dividend Rate; $10,000 & Up Plus 5 Years of Membership; Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
First Technology Federal Credit Union
Bump Up Share Certificates - 24-Month Bump Up
$100,000
3.50%
▲ 0.50% above Georgia avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 0.50% above avgNationally 2.90%
Details
Balance: $100,000 +
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
IRA Certificates - 24-Month Bump Up
$100,000
3.50%
▲ 0.50% above Georgia avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average3.00%▲ 0.50% above avgNationally 2.90%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Share Certificate 24 Months
$0
3.50%
▲ 0.50% above Georgia avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 0.50% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 24 Months
$0
3.50%
▲ 0.50% above Georgia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 0.50% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
Certificate - 24 Months
$1,000
3.50%
▲ 0.50% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 0.50% above avgNationally 2.90%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
2 Year Share Certificate
$500
3.50%
▲ 0.50% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average3.00%▲ 0.50% above avgNationally 2.90%
Details
Dividend rate 3.45%; $500 minimum deposit required on all certificates; compounded quarterly
Rate History
No change since Oct 10, 2026 · 3.50% APY · checked 2 times
Union Point 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 36 Months
$0
4.60%
▲ 1.76% above Georgia avg
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 1.76% above avgNationally 2.81%
Details
Tier: $500 Minimum; Penalty: 180 Days1
Rate History
No change since Oct 15, 2026 · 4.60% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 36 Months
$0
4.60%
▲ 1.76% above Georgia avg
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 1.76% above avgNationally 2.81%
Details
Penalty: 180 Days1
Rate History
No change since Oct 12, 2026 · 4.60% APY · checked 3 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
36 Month Share Certificate
$500
4.20%
▲ 1.36% above Georgia avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 1.36% above avgNationally 2.81%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
IRA Term Certificate - 36 Months
$0
4.18%
▲ 1.34% above Georgia avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 1.34% above avgNationally 2.81%
Details
Effective Date: October 1, 2026; All term share accounts are fixed rate accounts
Rate History
No change since Oct 22, 2026 · 4.18% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Term Certificate - 36 Months
$0
4.18%
▲ 1.34% above Georgia avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 1.34% above avgNationally 2.81%
Details
Effective Date: October 1, 2026
Rate History
1 change since Sep 15, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
- Oct 22, 20264.18%▲ from 3.82%
- Sep 15, 20263.82%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15%
▲ 1.31% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.84%▲ 1.31% above avgNationally 2.81%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Month Certificate
$1,000
4.11%
▲ 1.27% above Georgia avg
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 1.27% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days Dividends; Balance tier: $100,000; Rates effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.11% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Months Certificate
$1,000
4.11%
▲ 1.27% above Georgia avg
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 1.27% above avgNationally 2.81%
Details
Balance: $100,000; Early Withdrawal Penalty: 270 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.11% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 36 Months
$1,000
4.11%
▲ 1.27% above Georgia avg
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 1.27% above avgNationally 2.81%
Details
Balance: $100,000 minimum; Early Withdrawal Penalty: 270 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.11% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 36 Months
$0
4.11%
▲ 1.27% above Georgia avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 1.27% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.11% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10%
▲ 1.26% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.84%▲ 1.26% above avgNationally 2.81%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share Certificate - 36 Month
$500
4.07%
▲ 1.23% above Georgia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 1.23% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 2.94% → 4.07% ▲ 1.13 pts · high 4.07% / low 2.94%
- Oct 23, 20264.07%▲ from 2.94%
- Sep 14, 20262.94%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Certificate of Deposit
$1,000
4.00%
▲ 1.16% above Georgia avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 1.16% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999; Regular and IRA CD; Dividend rate accurate as of August 5th, 2026
Rate History
No change since Oct 23, 2026 · 4.00% APY
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 36 Months
$0
4.00%
▲ 1.16% above Georgia avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 1.16% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 36 months
$1,000
4.00%
▲ 1.16% above Georgia avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 1.16% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
36 Month Certificate
$500
4.00%
▲ 1.16% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 1.16% above avgNationally 2.81%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Month Certificate
$1,000
4.00%
▲ 1.16% above Georgia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 1.16% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days Dividends; Balance tier: $1,000; Rates effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.00% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Months Certificate
$1,000
4.00%
▲ 1.16% above Georgia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 1.16% above avgNationally 2.81%
Details
Balance: $1,000; Early Withdrawal Penalty: 270 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.00% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 36 Months
$1,000
4.00%
▲ 1.16% above Georgia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 1.16% above avgNationally 2.81%
Details
Balance: $1,000 minimum; Early Withdrawal Penalty: 270 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.00% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 36 Months
$0
4.00%
▲ 1.16% above Georgia avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 1.16% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.00% APY
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 36 Month Certificate
$500
4.00%
▲ 1.16% above Georgia avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 1.16% above avgNationally 2.81%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.00% APY
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Share Certificate 36 Months
$0
3.75%
▲ 0.91% above Georgia avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 0.91% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposit (CDs) - 36 Months
$500
3.75%
▲ 0.91% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 0.91% above avgNationally 2.81%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
36 Month IRA CD
$0
3.75%
▲ 0.91% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 0.91% above avgNationally 2.81%
Details
Balance: $500 and above; Retirement account (IRA)
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 19, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
36 Month Jumbo CD
$0
3.75%
▲ 0.91% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 0.91% above avgNationally 2.81%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 10, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Standard CD - 36 mo. standard CD
$0
3.70%
▲ 0.86% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 0.86% above avgNationally 2.81%
Details
Tier Structure: $500 to $100,000
Rate History
No change since Oct 19, 2026 · 3.70% APY
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
CD's - 3 Year
$1,000
3.57%
▲ 0.73% above Georgia avg
▼
Rate3.51%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Georgia Average2.84%▲ 0.73% above avgNationally 2.81%
Details
Balance: $250,000 and above; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 21, 2026 · 3.57% APY
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36-Month Share Certificate
$0
3.57%
▲ 0.73% above Georgia avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 0.73% above avgNationally 2.81%
Details
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 3.57% APY
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
Share Certificate - 36 Months
$500
3.55%
▲ 0.71% above Georgia avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.84%▲ 0.71% above avgNationally 2.81%
Details
$500 minimum; Annual Dividend Rate 3.49%
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
JUMBO Regular & IRA Certificates - 3 Year
$100,000
3.55%
▲ 0.71% above Georgia avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 0.71% above avgNationally 2.81%
Details
Jumbo certificate; Required minimum amounts to open and to earn APY
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
IRA Certificate - 3 years
$1,000
3.55%
▲ 0.71% above Georgia avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 0.71% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36-Month Share Certificate
$0
3.52%
▲ 0.68% above Georgia avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 0.68% above avgNationally 2.81%
Details
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 3.52% APY
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
Share and IRA Certificate - 3-Year Certificate
$1,000
3.50%
▲ 0.66% above Georgia avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 0.66% above avgNationally 2.81%
Details
Balance: $1,000.00 & above; $500 minimum to open for Johnny Appleseed; APY accurate as of October 7, 2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
3 Year Share Certificate/CD
$500
3.50%
▲ 0.66% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 0.66% above avgNationally 2.81%
Details
$500.00 and above; Promotional as-high-as rate for certificate terms per footnote; early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15%
- Oct 15, 20263.50%▲ from 3.15%
- Sep 12, 20263.15%first recorded
First Technology Federal Credit Union
Bump Up Share Certificates - 36-Month Bump Up
$100,000
3.50%
▲ 0.66% above Georgia avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 0.66% above avgNationally 2.81%
Details
Balance: $100,000 +
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
IRA Certificates - 36-Month Bump Up
$100,000
3.50%
▲ 0.66% above Georgia avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.84%▲ 0.66% above avgNationally 2.81%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
Certificate - 36 Months
$0
3.50%
▲ 0.66% above Georgia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 0.66% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
Certificate - 36 Months
$1,000
3.50%
▲ 0.66% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 0.66% above avgNationally 2.81%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3 Year Share Certificate
$500
3.50%
▲ 0.66% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 0.66% above avgNationally 2.81%
Details
Dividend rate 3.45%; $500 minimum deposit required on all certificates; compounded quarterly
Rate History
No change since Oct 10, 2026 · 3.50% APY · checked 2 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Regular & IRA Certificates - 3 Year
$1,000
3.44%
▲ 0.60% above Georgia avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 0.60% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.44% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 36 Month
$0
3.41%
▲ 0.57% above Georgia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.84%▲ 0.57% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificates - 36 months
$0
3.35%
▲ 0.51% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 0.51% above avgNationally 2.81%
Details
90 day interest penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
36 Month Jumbo Share Certificate
$100,000
3.31%
▲ 0.47% above Georgia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 0.47% above avgNationally 2.81%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.31% APY · checked 2 times
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year IRA Certificate
$1,000
3.30%
▲ 0.46% above Georgia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.84%▲ 0.46% above avgNationally 2.81%
Details
3 Year IRA Certificate; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
CD's - 3 Year
$1,000
3.30%
▲ 0.46% above Georgia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Georgia Average2.84%▲ 0.46% above avgNationally 2.81%
Details
Balance: $0.01 - $249,999.99; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 21, 2026 · 3.30% APY
Faith Connection Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Share Certificate - 3 years
$1,000
3.30%
▲ 0.46% above Georgia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 0.46% above avgNationally 2.81%
Details
Dividends compounded monthly and credited monthly; penalty for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Member Merits (Gold) 36 Month Certificate
$0
3.30%
▲ 0.46% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 0.46% above avgNationally 2.81%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
Share and IRA Certificate - 36 months
$500
3.30%
▲ 0.46% above Georgia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 0.46% above avgNationally 2.81%
Details
Dividends are compounded and credited quarterly.
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Share Certificate 36 Month Special
$500
3.30%
▲ 0.46% above Georgia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.84%▲ 0.46% above avgNationally 2.81%
Details
Limited time offer, effective 10/03/2025
Rate History
No change since Sep 20, 2026 · 3.30% APY · checked 6 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 36 Month
$0
3.29%
▲ 0.45% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.84%▲ 0.45% above avgNationally 2.81%
Details
Regular Accounts minimum balance to earn APY; Education Savings minimum: $500.00; Roth or Traditional IRAs minimum: $1,000
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 3 times
Union Point 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 48 Months
$0
4.70%
▲ 1.90% above Georgia avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.80%▲ 1.90% above avgNationally 2.81%
Details
Tier: $500 Minimum; Penalty: 180 Days1
Rate History
No change since Oct 15, 2026 · 4.70% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 48 Months
$0
4.70%
▲ 1.90% above Georgia avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.80%▲ 1.90% above avgNationally 2.81%
Details
Penalty: 180 Days1
Rate History
No change since Oct 12, 2026 · 4.70% APY · checked 3 times
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
4 Year Share Certificate/CD
$500
4.50%
▲ 1.70% above Georgia avg
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.80%▲ 1.70% above avgNationally 2.81%
Details
$500.00 and above; Promotional as-high-as rate for certificate terms per footnote; early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.15% → 4.50% ▲ 1.35 pts · high 4.50% / low 3.15%
- Oct 4, 20264.50%▲ from 3.15%
- Sep 12, 20263.15%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
48 Month Share Certificate
$500
4.50%
▲ 1.70% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.80%▲ 1.70% above avgNationally 2.81%
Details
Requires direct deposit; as-high-as promotional APY for 4 years/48 months; effective 9/28/2026; subject to change without notice
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 4 times
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share Certificate - 48 Month
$500
4.33%
▲ 1.53% above Georgia avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.80%▲ 1.53% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.04% → 4.33% ▲ 1.29 pts · high 4.33% / low 3.04%
- Oct 23, 20264.33%▲ from 3.04%
- Sep 14, 20263.04%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
48 Month Share Certificate
$500
4.20%
▲ 1.40% above Georgia avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 1.40% above avgNationally 2.81%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
IRA Term Certificate - 48 Months
$0
4.18%
▲ 1.38% above Georgia avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 1.38% above avgNationally 2.81%
Details
Effective Date: October 1, 2026; All term share accounts are fixed rate accounts
Rate History
No change since Oct 22, 2026 · 4.18% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Term Certificate - 48 Months
$0
4.18%
▲ 1.38% above Georgia avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 1.38% above avgNationally 2.81%
Details
Effective Date: October 1, 2026
Rate History
1 change since Sep 15, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
- Oct 22, 20264.18%▲ from 3.82%
- Sep 15, 20263.82%first recorded
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Certificate
$1,000
4.16%
▲ 1.36% above Georgia avg
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 1.36% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 360 Days Dividends; Balance tier: $100,000; Rates effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.16% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Months Certificate
$1,000
4.16%
▲ 1.36% above Georgia avg
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 1.36% above avgNationally 2.81%
Details
Balance: $100,000; Early Withdrawal Penalty: 360 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.16% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 48 Months
$1,000
4.16%
▲ 1.36% above Georgia avg
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 1.36% above avgNationally 2.81%
Details
Balance: $100,000 minimum; Early Withdrawal Penalty: 360 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.16% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 48 Months
$0
4.16%
▲ 1.36% above Georgia avg
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 1.36% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 360 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.16% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Certificate
$1,000
4.05%
▲ 1.25% above Georgia avg
▼
Rate3.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 1.25% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 360 Days Dividends; Balance tier: $1,000; Rates effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.05% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Months Certificate
$1,000
4.05%
▲ 1.25% above Georgia avg
▼
Rate3.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 1.25% above avgNationally 2.81%
Details
Balance: $1,000; Early Withdrawal Penalty: 360 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.05% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 48 Months
$1,000
4.05%
▲ 1.25% above Georgia avg
▼
Rate3.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 1.25% above avgNationally 2.81%
Details
Balance: $1,000 minimum; Early Withdrawal Penalty: 360 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.05% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 48 Months
$0
4.05%
▲ 1.25% above Georgia avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 1.25% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 360 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.05% APY
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
3.95%
▲ 1.15% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 1.15% above avgNationally 2.81%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposit (CDs) - 48 Months
$500
3.85%
▲ 1.05% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 1.05% above avgNationally 2.81%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Combined Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Share Certificate 48 Months
$0
3.75%
▲ 0.95% above Georgia avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.95% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 Month IRA CD
$0
3.75%
▲ 0.95% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.95% above avgNationally 2.81%
Details
Balance: $500 and above; Retirement account (IRA)
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 19, 20263.75%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 Month Jumbo CD
$0
3.75%
▲ 0.95% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.95% above avgNationally 2.81%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 10, 20263.75%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 48 Month Certificate
$500
3.75%
▲ 0.95% above Georgia avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.95% above avgNationally 2.81%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 3.75% APY
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Standard CD - 48 mo. standard CD
$0
3.70%
▲ 0.90% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.90% above avgNationally 2.81%
Details
Tier Structure: $500 to $100,000
Rate History
No change since Oct 19, 2026 · 3.70% APY
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
IRA Certificate - 4 years
$1,000
3.65%
▲ 0.85% above Georgia avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.85% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
CD's - 4 Year
$1,000
3.57%
▲ 0.77% above Georgia avg
▼
Rate3.51%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Georgia Average2.80%▲ 0.77% above avgNationally 2.81%
Details
Balance: $250,000 and above; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 21, 2026 · 3.57% APY
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
Share Certificate - 48 Months
$500
3.50%
▲ 0.70% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.80%▲ 0.70% above avgNationally 2.81%
Details
$500 minimum; Annual Dividend Rate 3.45%
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
First Technology Federal Credit Union
Traditional Share Certificates - 48-Month
$100,000
3.50%
▲ 0.70% above Georgia avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 0.70% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
IRA Certificates - 48-Month
$100,000
3.50%
▲ 0.70% above Georgia avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 0.70% above avgNationally 2.81%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
Certificate - 48 Months
$1,000
3.50%
▲ 0.70% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.70% above avgNationally 2.81%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 48 Month
$0
3.50%
▲ 0.70% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.70% above avgNationally 2.81%
Details
Regular Accounts minimum balance to earn APY; Education Savings minimum: $500.00; Roth or Traditional IRAs minimum: $1,000
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
4 Year Share Certificate
$500
3.50%
▲ 0.70% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.70% above avgNationally 2.81%
Details
Dividend rate 3.45%; $500 minimum deposit required on all certificates; compounded quarterly
Rate History
No change since Oct 10, 2026 · 3.50% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 48 Month
$0
3.41%
▲ 0.61% above Georgia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.80%▲ 0.61% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year IRA Certificate
$1,000
3.30%
▲ 0.50% above Georgia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.80%▲ 0.50% above avgNationally 2.81%
Details
4 Year IRA Certificate; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
CD's - 4 Year
$1,000
3.30%
▲ 0.50% above Georgia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Georgia Average2.80%▲ 0.50% above avgNationally 2.81%
Details
Balance: $0.01 - $249,999.99; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 21, 2026 · 3.30% APY
Faith Connection Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Share Certificate - 4 years
$1,000
3.30%
▲ 0.50% above Georgia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.80%▲ 0.50% above avgNationally 2.81%
Details
Dividends compounded monthly and credited monthly; penalty for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 2 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4 Year Loyalty Term Share Certificate (or CD)
$0
3.30%
▲ 0.50% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.80%▲ 0.50% above avgNationally 2.81%
Details
Rate: Dividend Rate; $10,000 & Up Plus 5 Years of Membership; Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 3 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Member Merits (Gold) 48 Month Certificate
$0
3.30%
▲ 0.50% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.50% above avgNationally 2.81%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
H.E.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
4 Year Four Year Certificate
$0
3.29%
▲ 0.49% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.80%▲ 0.49% above avgNationally 2.81%
Details
Minimum Balance to Earn APY: $1,000.00; Effective as of August 1, 2026; APY-Annual Percentage Yield; Dividend rate is fixed for the term; Early withdrawal penalty applies
Rate History
No change since Oct 22, 2026 · 3.29% APY · checked 2 times
First Technology Federal Credit Union
Traditional Share Certificates - 48-Month
$500
3.25%
▲ 0.45% above Georgia avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 0.45% above avgNationally 2.81%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
IRA Certificates - 48-Month
$500
3.25%
▲ 0.45% above Georgia avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.80%▲ 0.45% above avgNationally 2.81%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
48 Month Certificate
$0
3.25%
▲ 0.45% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.45% above avgNationally 2.81%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Certificate of Deposit - 48 Month Certificate
$0
3.25%
▲ 0.45% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.45% above avgNationally 2.81%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
48 Month Certificates of Deposit
$1,000
3.25%
▲ 0.45% above Georgia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.45% above avgNationally 2.81%
Details
Minimum deposit and minimum balance required to earn the advertised APY is $1,000; Penalty will be imposed for early withdrawal; Dividends compounded monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
48 Month Jumbo Share Certificate
$100,000
3.21%
▲ 0.41% above Georgia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.80%▲ 0.41% above avgNationally 2.81%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.21% APY · checked 2 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
JUMBO Regular & IRA Certificates - 4 Year
$100,000
3.19%
▲ 0.39% above Georgia avg
▼
Rate3.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.80%▲ 0.39% above avgNationally 2.81%
Details
Jumbo certificate; Required minimum amounts to open and to earn APY
Rate History
No change since Sep 14, 2026 · 3.19% APY · checked 7 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
4 Year CD
$200
3.15%
▲ 0.35% above Georgia avg
▼
Rate3.11%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.35% above avgNationally 2.81%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
4 Year IRA CD
$200
3.15%
▲ 0.35% above Georgia avg
▼
Rate3.11%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.35% above avgNationally 2.81%
Details
May be used for Traditional Individual Retirement Accounts; Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
48 Month Share Certificate
$500
3.11%
▲ 0.31% above Georgia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.80%▲ 0.31% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 15, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4 Year Term Share Certificate (or CD)
$0
3.10%
▲ 0.30% above Georgia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.80%▲ 0.30% above avgNationally 2.81%
Details
Rate: Dividend Rate; $1,000 & Up; Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.10% APY · checked 3 times
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
4 Year Business CD
$1,000
3.10%
▲ 0.30% above Georgia avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.80%▲ 0.30% above avgNationally 2.81%
Details
FL; Dividend Posting: Monthly
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Union Point 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 60 Months
$0
4.80%
▲ 1.95% above Georgia avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.85%▲ 1.95% above avgNationally 2.92%
Details
Tier: $500 Minimum; Penalty: 180 Days1
Rate History
No change since Oct 15, 2026 · 4.80% APY · checked 2 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Share Certificates - 60 Months
$0
4.80%
▲ 1.95% above Georgia avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.85%▲ 1.95% above avgNationally 2.92%
Details
Penalty: 180 Days1
Rate History
No change since Oct 12, 2026 · 4.80% APY · checked 3 times
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share Certificate - 60 Month
$500
4.33%
▲ 1.48% above Georgia avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.85%▲ 1.48% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.33% ▲ 1.03 pts · high 4.33% / low 3.30%
- Oct 23, 20264.33%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
60 Month Share Certificate
$500
4.20%
▲ 1.35% above Georgia avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 1.35% above avgNationally 2.92%
Details
Dividends compounded quarterly
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
IRA Term Certificate - 60 Months
$0
4.18%
▲ 1.33% above Georgia avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 1.33% above avgNationally 2.92%
Details
Effective Date: October 1, 2026; All term share accounts are fixed rate accounts
Rate History
No change since Oct 22, 2026 · 4.18% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Term Certificate - 60 Months
$0
4.18%
▲ 1.33% above Georgia avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 1.33% above avgNationally 2.92%
Details
Effective Date: October 1, 2026
Rate History
1 change since Sep 15, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
- Oct 22, 20264.18%▲ from 3.82%
- Sep 15, 20263.82%first recorded
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Month Certificate
$1,000
4.16%
▲ 1.31% above Georgia avg
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 1.31% above avgNationally 2.92%
Details
Early Withdrawal Penalty: 450 Days Dividends; Balance tier: $100,000; Rates effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.16% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Months Certificate
$1,000
4.16%
▲ 1.31% above Georgia avg
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 1.31% above avgNationally 2.92%
Details
Balance: $100,000; Early Withdrawal Penalty: 450 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.16% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 60 Months
$1,000
4.16%
▲ 1.31% above Georgia avg
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 1.31% above avgNationally 2.92%
Details
Balance: $100,000 minimum; Early Withdrawal Penalty: 450 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.16% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 60 Months
$0
4.16%
▲ 1.31% above Georgia avg
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 1.31% above avgNationally 2.92%
Details
Early Withdrawal Penalty: 450 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.16% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Month Certificate
$1,000
4.05%
▲ 1.20% above Georgia avg
▼
Rate3.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 1.20% above avgNationally 2.92%
Details
Early Withdrawal Penalty: 450 Days Dividends; Balance tier: $1,000; Rates effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.05% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Months Certificate
$1,000
4.05%
▲ 1.20% above Georgia avg
▼
Rate3.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 1.20% above avgNationally 2.92%
Details
Balance: $1,000; Early Withdrawal Penalty: 450 Days Dividends; Rates Effective 9/25/2026
Rate History
No change since Oct 22, 2026 · 4.05% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Business Certificates / CDs - 60 Months
$1,000
4.05%
▲ 1.20% above Georgia avg
▼
Rate3.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 1.20% above avgNationally 2.92%
Details
Balance: $1,000 minimum; Early Withdrawal Penalty: 450 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.05% APY
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
IRA Certificate - 60 Months
$0
4.05%
▲ 1.20% above Georgia avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 1.20% above avgNationally 2.92%
Details
Early Withdrawal Penalty: 450 Days Dividends
Rate History
No change since Oct 22, 2026 · 4.05% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90%
▲ 1.05% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.85%▲ 1.05% above avgNationally 2.92%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.90% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85%
▲ 1.00% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.85%▲ 1.00% above avgNationally 2.92%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.85% APY
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposit (CDs) - 60 Months
$500
3.85%
▲ 1.00% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 1.00% above avgNationally 2.92%
Details
Minimum $500 deposit to open a CD; penalty for early withdrawal; available to qualifying members
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
60 Month Certificate
$500
3.85%
▲ 1.00% above Georgia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 1.00% above avgNationally 2.92%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
60 Month IRA CD
$0
3.75%
▲ 0.90% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 0.90% above avgNationally 2.92%
Details
Balance: $500 and above; Retirement account (IRA)
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 19, 20263.75%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
60 Month Jumbo CD
$0
3.75%
▲ 0.90% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 0.90% above avgNationally 2.92%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 10, 20263.75%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
IRA Certificate - 5 years
$1,000
3.70%
▲ 0.85% above Georgia avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 0.85% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
Credit Union of Georgia
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Standard CD - 60 mo. standard CD
$0
3.70%
▲ 0.85% above Georgia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 0.85% above avgNationally 2.92%
Details
Tier Structure: $500 to $100,000
Rate History
No change since Oct 19, 2026 · 3.70% APY
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
CD's - 5 Year
$1,000
3.57%
▲ 0.72% above Georgia avg
▼
Rate3.51%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Georgia Average2.85%▲ 0.72% above avgNationally 2.92%
Details
Balance: $250,000 and above; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 21, 2026 · 3.57% APY
First Technology Federal Credit Union
Traditional Share Certificates - 60-Month
$100,000
3.50%
▲ 0.65% above Georgia avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 0.65% above avgNationally 2.92%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
IRA Certificates - 60-Month
$100,000
3.50%
▲ 0.65% above Georgia avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 0.65% above avgNationally 2.92%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Month Certificate of Deposit
$1,000
3.50%
▲ 0.65% above Georgia avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.85%▲ 0.65% above avgNationally 2.92%
Details
Balance: $1,000 - $9,999; Regular and IRA CD; Dividend rate accurate as of August 5th, 2026
Rate History
No change since Oct 23, 2026 · 3.50% APY
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 60 Months
$0
3.50%
▲ 0.65% above Georgia avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.85%▲ 0.65% above avgNationally 2.92%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 60 months
$1,000
3.50%
▲ 0.65% above Georgia avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.85%▲ 0.65% above avgNationally 2.92%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
MembersFirst Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
Certificate - 60 Months
$1,000
3.50%
▲ 0.65% above Georgia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 0.65% above avgNationally 2.92%
Details
Rates are current as of 1/12/2026; minimum opening balance of $1,000 required to earn dividends
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 60 Month Certificate
$500
3.50%
▲ 0.65% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 0.65% above avgNationally 2.92%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 3.50% APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 60 Month
$0
3.50%
▲ 0.65% above Georgia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 0.65% above avgNationally 2.92%
Details
Regular Accounts minimum balance to earn APY; Education Savings minimum: $500.00; Roth or Traditional IRAs minimum: $1,000
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
5 Year Share Certificate
$500
3.50%
▲ 0.65% above Georgia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 0.65% above avgNationally 2.92%
Details
Dividend rate 3.45%; $500 minimum deposit required on all certificates; compounded quarterly
Rate History
No change since Oct 10, 2026 · 3.50% APY · checked 2 times
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
Share Certificate - 60 Months
$500
3.45%
▲ 0.60% above Georgia avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.85%▲ 0.60% above avgNationally 2.92%
Details
$500 minimum; Annual Dividend Rate 3.40%
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 8 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
JUMBO Regular & IRA Certificates - 5 Year
$100,000
3.44%
▲ 0.59% above Georgia avg
▼
Rate3.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.85%▲ 0.59% above avgNationally 2.92%
Details
Jumbo certificate; Required minimum amounts to open and to earn APY
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 60 Month
$0
3.41%
▲ 0.56% above Georgia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.85%▲ 0.56% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
5 Year IRA Certificate
$1,000
3.40%
▲ 0.55% above Georgia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Georgia Average2.85%▲ 0.55% above avgNationally 2.92%
Details
5 Year IRA Certificate; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 2 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Year IRA Advantage Share Certificate
$1,000
3.40%
▲ 0.55% above Georgia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.85%▲ 0.55% above avgNationally 2.92%
Details
Advantage Certificate; Effective September 28, 2026; Dividends paid monthly
Rate History
No change since Oct 15, 2026 · 3.40% APY · checked 2 times
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Year Loyalty Term Share Certificate (or CD)
$0
3.40%
▲ 0.55% above Georgia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.85%▲ 0.55% above avgNationally 2.92%
Details
Rate: Dividend Rate; $10,000 & Up Plus 5 Years of Membership; Effective September 28, 2026
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 3 times
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Regular & IRA Certificates - 5 Year
$1,000
3.34%
▲ 0.49% above Georgia avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.85%▲ 0.49% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 3.34% APY · checked 2 times
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
CD's - 5 Year
$1,000
3.30%
▲ 0.45% above Georgia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Georgia Average2.85%▲ 0.45% above avgNationally 2.92%
Details
Balance: $0.01 - $249,999.99; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 21, 2026 · 3.30% APY
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Rewards Certificates - 60 Months
$1,000
3.30%
▲ 0.45% above Georgia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.85%▲ 0.45% above avgNationally 2.92%
Details
Tenure: 20+ Yrs; Active Checking: Yes
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
Faith Connection Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Share Certificate - 5 years
$1,000
3.30%
▲ 0.45% above Georgia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.85%▲ 0.45% above avgNationally 2.92%
Details
Dividends compounded monthly and credited monthly; penalty for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Member Merits (Gold) 60 Month Certificate
$0
3.30%
▲ 0.45% above Georgia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 0.45% above avgNationally 2.92%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificates - 60 Months
$1,000
3.25%
▲ 0.40% above Georgia avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Georgia Average2.85%▲ 0.40% above avgNationally 2.92%
Details
Dividend Rate 3.21%; early withdrawal penalty applies
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 3 times
First Technology Federal Credit Union
Traditional Share Certificates - 60-Month
$500
3.25%
▲ 0.40% above Georgia avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 0.40% above avgNationally 2.92%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
IRA Certificates - 60-Month
$500
3.25%
▲ 0.40% above Georgia avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Georgia Average2.85%▲ 0.40% above avgNationally 2.92%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
5 Year CD
$200
3.25%
▲ 0.40% above Georgia avg
▼
Rate3.21%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 0.40% above avgNationally 2.92%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
5 Year IRA CD
$200
3.25%
▲ 0.40% above Georgia avg
▼
Rate3.21%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 0.40% above avgNationally 2.92%
Details
May be used for Traditional Individual Retirement Accounts; Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
5 Year Trust CD
$200
3.25%
▲ 0.40% above Georgia avg
▼
Rate3.21%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 0.40% above avgNationally 2.92%
Details
Good Through: October 21, 2026; Effective As Of: October 15, 2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Certificate
$0
3.25%
▲ 0.40% above Georgia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Georgia Average2.85%▲ 0.40% above avgNationally 2.92%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Union Point, GA CD Rate Trends
Compare local Union Point, GA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD GA Avg
3.244%
▼ 0.027 vs 7 days ago
Georgia 12-month CD rates fell 0.027 points over the past 7 days to 3.244% APY.
6-Month CD GA Avg
2.954%
▲ 0.030 vs 7 days ago
Georgia 6-month CD rates rose 0.030 points over the past 7 days to 2.954% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
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GA CD Rate Forecast, Next 12 Months
Where are Georgia CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
GA 12-Month Avg APY
3.244%
6-Month Forecast
3.244%
Range: 3.04%, 3.39%
12-Month Forecast
3.494%
Range: 3.29%, 3.64%
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What Your Savings Earn at GA CD Rates Today
Annual interest earnings at today’s Georgia average APYs. State average used where available; national average as fallback.
| CD Term | GA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.776% | $88.80 | $177.59 | $443.98 | $887.95 |
| 6-Month CD | 2.954% | $147.71 | $295.42 | $738.55 | $1,477.10 |
| 12-Month CD | 3.244% | $162.19 | $324.38 | $810.95 | $1,621.90 |
| 18-Month CD | 3.081% | $154.06 | $308.12 | $770.30 | $1,540.60 |
| 24-Month CD | 3.000% | $149.99 | $299.98 | $749.95 | $1,499.90 |
| 36-Month CD | 2.838% | $141.88 | $283.75 | $709.37 | $1,418.75 |
| 48-Month CD | 2.798% | $139.89 | $279.77 | $699.43 | $1,398.85 |
| 60-Month CD | 2.855% | $142.73 | $285.47 | $713.68 | $1,427.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Union Point, Georgia Savers
$25,000 split equally across 5 terms using today’s Georgia average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | GA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.776% | $88.80 |
| 2 | 6-Month CD | $5,000 | 2.954% | $147.71 |
| 3 | 12-Month CD | $5,000 | 3.244% | $162.19 |
| 4 | 24-Month CD | $5,000 | 3.000% | $149.99 |
| 5 | 36-Month CD | $5,000 | 2.838% | $141.88 |
| Total ($25,000 invested) | $25,000 | 2.762% blended | $690.57/yr | |
Ladder example uses equal $5,000 rungs and Georgia average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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886
CD Rates
Tracked in Union Point, Georgia
Tracked in Union Point, Georgia
28 Banks
59 Credit Unions
About Our Union Point, Georgia CD Rate Database
MonitorBankRates tracks 886 CD rates from 28 banks and 59 credit unions with locations in Union Point, Georgia, plus national online institutions available to Georgia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Platinum Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Union Point, Georgia.
How to Find the Best CD Rates in Union Point, Georgia
What to compare when shopping for a CD in Union Point, Georgia
To find the best APYs in Union Point, Georgia, start with credit unions and online-only banks: Union Point, Georgia has 59 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 Union Point, 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 Union Point, Georgia: 87 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Union Point, Georgia savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Union Point, Georgia money market rates
Union Point, Georgia Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
16.1%
National avg: 17.3%
Median Individual Earnings
$35,813
National avg: $47,340
Poverty Rate
13.1%
National avg: 11.1%
Unemployment Rate
0.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$116/yr
At GA 12-mo avg 3.244% APY
16.1% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 0.6% reflects a strong local economy. At today’s GA 12-month CD average of 3.244%, saving 10% of the local median salary ($3,581/year) and putting it in a CD would earn an additional $116 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 Union Point, Georgia
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Union Point, 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 Union Point, 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 Union Point, Georgia as everywhere in the U.S.
Choosing a CD Term in Union Point, 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 Union Point, Georgia savers easier access to their funds. For example, Austin Capital Bank is offering its 6 Month Certificate of Deposit at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Georgia Heritage Federal Credit Union is offering its IRA Certificates - 60 Months at 4.80% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Union Point, 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 Union Point, 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 Union Point, 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 Union Point, 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 Union Point, Georgia
Most CDs carry a fixed rate that is locked for the entire term, protecting a Union Point, 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 Union Point, Georgia
Are CD rates in Union Point, Georgia FDIC insured?
Yes, most established banks in Union Point, 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 Union Point, 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 Union Point, 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 Union Point, 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 Union Point, Georgia?
Here are recent top rates found for this area:
- Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
- P&S Credit Union: 5.00% APY (12 Month Certificate - STUDENT Accounts)
- Georgia Heritage Federal Credit Union: 4.80% APY (IRA Certificates - 60 Months)
- CDC Federal Credit Union: 4.59% APY (Rewards Certificates - 12 Months)
- Austin Capital Bank: 4.58% APY (3 Month Certificate of Deposit)
- Tennessee Valley Federal Credit Union: 4.50% APY (Share Certificates - 12 Months)
- Excel Federal Credit Union: 4.50% APY (4 Year Share Certificate/CD)
- Workmens Circle Incorporated Credit Union: 4.50% APY (24 Month Share or IRA Certificate)
- Empeople Credit Union: 4.40% APY (IRA/HSA & Share Certificates - 18 Month Certificate)
- City National Bank: 4.39% APY (Special 12-Month Fixed Rate CD)
Rates reflect recent verified offers available in Union Point, Georgia. Last Updated: October 23, 2026
Union Point, 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 Union Point, Georgia rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Union Point, Georgia
Union Point, Georgia CD Calculator
At today’s GA top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Union Point, Georgia CD LadderGA CD rates currently range from 1.776% (3-month) to 2.838% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Union Point, Georgia CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsGeorgia’s average 12-month CD is 3.244% 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 Union Point, 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 Union Point, 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 Union Point, Georgia. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in GA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026
Union Point, Georgia Rates & Resources
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