Willacoochee, Georgia Best CD Rates September 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.
Current Willacoochee, Georgia CD rates include P&S Credit UnionP&S Credit UnionA+5.0 ★Texas Ratio: 0.19%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Certificate-STUDENT Accounts at 5.00% APY, CDC Federal Credit UnionCDC Federal Credit UnionA+5.0 ★Texas Ratio: 2.72%Real return: +1.79%APY minus CPI (February 2026) offering 12 Months at 4.59% APY, Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 2.96%Real return: +1.52%APY minus CPI (February 2026) offering 3 Month CD at 4.32% APY, Family Savings Credit UnionFamily Savings Credit UnionA5.0 ★Texas Ratio: 9.52%Real return: +1.40%APY minus CPI (February 2026) offering Share Certificate / IRA Certificate 24 Months at 4.20% APY, and Marshland Credit UnionMarshland Credit UnionA+5.0 ★Texas Ratio: 1.72%Real return: +1.40%APY minus CPI (February 2026) offering 12-Month Certificate at 4.20% APY. CD rates as of September 9, 2026 according to verified data from MonitorBankRates.
Willacoochee is a smaller community with no bank or credit union branches currently in our database. 394 institutions serving the Georgia area are available to Willacoochee residents, with CD rates as high as 5.00% APY from P&S 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: September 9, 2026
Compare Best CD Rates in Willacoochee, Georgia & the Surrounding Area
Willacoochee 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 CD
$1,000
4.32%
▲ 2.33% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 2.33% above avg
Details
APY* Assumes no compounding, interest paid annually or at maturity.
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit - 3 Month Certificate
$500
3.75%
▲ 1.76% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.76% above avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3-Months CD
$1,000
3.70%
▲ 1.71% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.71% above avg
Details
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
3 Month Certificate
$0
3.05%
▲ 1.06% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.06% above avg
Details
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
3 months
$0
2.78%
▲ 0.79% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.79% above avg
Details
(90 to 179 days)
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
3 Month Certificate
$0
2.27%
▲ 0.28% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 0.28% above avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
IRA Certificate 3-Month
$0
2.27%
▲ 0.28% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 0.28% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.01% above avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Share Certificate Accounts - 3 Month
$0
1.26%
▼ 0.73% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 0.73% below avg
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.56%
90 Days
$0
1.00%
▼ 0.99% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 0.99% below avg
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Month Certificate
$5,000
0.75%
▼ 1.24% below national avg
▼
Rate0.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 1.24% below avg
Details
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
90 days
$0
0.60%
▼ 1.39% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 1.39% below avg
Details
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
3 Month CD
$500
0.50%
▼ 1.49% below national avg
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.49% below avg
Details
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month CD
$500
0.50%
▼ 1.49% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.49% below avg
Details
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
90 Day
$0
0.30%
▼ 1.69% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.69% below avg
Details
Compound Method: Simple
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Business 90 Day
$0
0.20%
▼ 1.79% below national avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.79% below avg
Details
Compound Method: Simple
Kinetic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
3 Month Certificate
$0
0.15%
▼ 1.84% below national avg
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 1.84% below avg
Details
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
90 Day CD
$500
0.03%
▼ 1.96% below national avg
▼
Rate0.03%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 1.96% below avg
Details
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
90 Day Jumbo CD
$100,000
0.03%
▼ 1.96% below national avg
▼
Rate0.03%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 1.96% below avg
Details
Willacoochee 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marshland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
6-Month Certificate
$500
4.15%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.48% above avg
Details
Promotional APY is accurate as of July 1, 2026, and is available for a limited time. Offer may be modified or discontinued without notice. Dividends are compounded and credited quarterly. Early withdrawal penalties may reduce earnings. Membership eligibility required. To open a Certificate, please visit a branch location near you!
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Share Certificate Accounts - 6 Month
$0
4.06%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.39% above avg
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.04%
▲ 1.37% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.37% above avg
Details
APY* Assumes no compounding, interest paid annually or at maturity.
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.56%
6 Month Certificate
$0
4.00%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
Share Certificate / IRA Certificate 180 Days
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 6-Month Fixed Rate
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.33% above avg
Details
1
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 6-Month Fixed Rate CD
$10,000
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.33% above avg
Details
New money deposits required. Special 6-Month Fixed Rate will be fixed for a term of 6-months only. The CD will automatically renew at the then-prevailing published 6-month standard rate and APY at the time of renewal and every renewal period thereafter. Offer Eligibility Requirements: Client must request the Special 6-Month Fixed Rate at account opening. Available only on a new City National Bank Personal CD or City National Bank Business CD. New money is defined as incoming deposits from RBC Rochdale, RBC Securities, or from another financial institution (e.g. via ATM, check, wire transfer, ACH or Zelle), deposited to City National Bank deposit accounts owned by the same client opening the CD, within the previous 30 calendar days prior to CD account opening. Incoming deposits can only be used once for the rate offer and cannot subsequently be counted towards the new money of another Special 6-Month Fixed Rate CD. Offer is available to new and existing personal and business clients only. Large Corporate clients and public fund accounts are not eligible for this Special 6-Month Fixed Rate.
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
IRA Certificate 6 Months
$0
3.95%
▲ 1.28% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details
Penalty: 90 Days1
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
6 Month Certificate
$500
3.95%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.28% above avg
Details
Automatic Renewal
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
6 Month Certificate
$500
3.85%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.18% above avg
Details
Automatic Renewal to Regular Certificate
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo - Minimum Deposit of 6 Month Share or IRA Certificate
$100,000
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
$100,000.00
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
6 Month Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit - 6 Month Certificate
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6-Months CD
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6 Months
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Business 6 months
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Regular Certificate of Deposit (CD) 6 months
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
6-month CD
$2,500
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.98% above avg
Details
Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly. Subject to early withdrawal penalty. Automatically renews on the maturity date.
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6 Month Certificate
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.93% above avg
Details
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
6 Month Certificate
$0
3.55%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.88% above avg
Details
Coastal States Bank (CSB)
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6 Month CD
$0
3.55%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.88% above avg
Details
Rates accurate as of 02/03/2026. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
6 Month CD
$0
3.35%
▲ 0.68% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.68% above avg
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
6 Month Safari Club CD
$0
3.35%
▲ 0.68% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.68% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
JUMBO Regular & IRA Certificates 6 Months
$100,000
3.33%
▲ 0.66% above national avg
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.66% above avg
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6 Month Certificate
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.63% above avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.63% above avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
IRA Certificate 6-Month
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.63% above avg
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share or IRA Certificate
$1,000
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.63% above avg
Details
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Traditional Share Certificates 6 Month CD
$500
3.30%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.63% above avg
Details
Term Deposit; Traditional IRA, Roth IRA, Educational IRA
Kinetic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
6 Month
$500
3.25%
▲ 0.58% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.58% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
6 Month Certificate
$500
3.22%
▲ 0.55% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.55% above avg
Details
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
6 months
$0
2.84%
▲ 0.17% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.17% above avg
Details
(180 to 269 days)
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
6 Month Certificate
$0
2.70%
▲ 0.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.03% above avg
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA - 6 Months
$0
2.53%
▼ 0.14% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 0.14% below avg
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Share - 6 Months
$0
2.53%
▼ 0.14% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 0.14% below avg
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
6 Month Certificate
$500
2.53%
▼ 0.14% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 0.14% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6 Month CD
$500
2.25%
▼ 0.42% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.42% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6 Month CD
$500
1.75%
▼ 0.92% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.92% below avg
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 months
$0
1.50%
▼ 1.17% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 1.17% below avg
Details
FL; Dividend Posting: Monthly.
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Business 6 months
$0
1.50%
▼ 1.17% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 1.17% below avg
Details
FL; Dividend Posting: Monthly
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
CD 6 months
$0
1.50%
▼ 1.17% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 1.17% below avg
Details
Dividend Posting Monthly
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Certificate
$1,000
1.25%
▼ 1.42% below national avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.42% below avg
Details
Rates as of 11/25/2025. A penalty [will or may] be imposed for early withdrawal.
Southern Pine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
6 Month Certificate
$0
1.00%
▼ 1.67% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 1.67% below avg
Details
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6 months
$500
0.95%
▼ 1.72% below national avg
▼
Rate0.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.72% below avg
Details
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
6 Month CD
$500
0.90%
▼ 1.77% below national avg
▼
Rate0.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.77% below avg
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Certificate
$5,000
0.75%
▼ 1.92% below national avg
▼
Rate0.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 1.92% below avg
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
6 Month Certificate
$0
0.70%
▼ 1.97% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 1.97% below avg
Details
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
180 days
$0
0.70%
▼ 1.97% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▼ 1.97% below avg
Details
Georgia Power Valdosta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Share Certificate 6 months
$1,000
0.55%
▼ 2.12% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 2.12% below avg
Details
$100,000.00 and Over
LOCOGA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
6 Month Certificate
$1,000
0.55%
▼ 2.12% below national avg
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 2.12% below avg
Details
Willacoochee 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
12 Month Certificate-STUDENT Accounts
$100
5.00%
▲ 2.16% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 2.16% above avg
Details
Maximum $10,000 (Automatic Renewal)
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 Months
$0
4.59%
▲ 1.75% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.75% above avg
Details
Tenure: 20+ Yrs; Active Checking: Yes
Marshland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
12-Month Certificate
$500
4.20%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.36% above avg
Details
Promotional APY is accurate as of July 1, 2026, and is available for a limited time. Offer may be modified or discontinued without notice. Dividends are compounded and credited quarterly. Early withdrawal penalties may reduce earnings. Membership eligibility required. To open a Certificate, please visit a branch location near you!
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit - 12 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.31% above avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
Share Certificate / IRA Certificate 12 Months
$500
4.10%
▲ 1.26% above national avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.26% above avg
Details
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1 Year Certificate
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.26% above avg
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 Months
$0
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.23% above avg
Details
Tenure: 15-19 Yrs; Active Checking: Yes
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
IRA Certificate 12 Months
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details
Penalty: 90 Days1
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.56%
12 Month Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.16% above avg
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo - Minimum Deposit of 12 Month Share or IRA Certificate
$100,000
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.16% above avg
Details
$100,000.00
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Millennium Club Account - 1 Year Term
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.16% above avg
Details
Fixed Rate. Minimum to open and obtain APY is $1,000 contract amount
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
12 Month Certificate
$500
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.06% above avg
Details
Automatic Renewal
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Share Certificate Accounts - 12 Month
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.01% above avg
Details
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
12 Month Certificate
$0
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.01% above avg
Details
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
12 MONTH SPECIAL
$500
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.98% above avg
Details
LIMITED TIME OFFER: EFFECTIVE 10/03/2025
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
IRA Certificate 12-Month
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.92% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
12 Months
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.91% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Business 12 months
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.91% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Regular Certificate of Deposit (CD) 12 months
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.91% above avg
Details
Coweta Cities & County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1 Year Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.91% above avg
Details
Coweta Cities & County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Regular Certificate 1 year
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.91% above avg
Details
Dividends will be compounded quarterly and will be credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
JUMBO Regular & IRA Certificates 1 Year
$100,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.91% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
12 Months
$0
3.72%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.88% above avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
12 Month Certificate
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.87% above avg
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
12 mo. standard CD
$500
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.86% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
1 Year Certificate
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.81% above avg
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1 Year CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.76% above avg
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1 Year IRA CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.76% above avg
Details
*
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1 Year Trust CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.76% above avg
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
Tax Factor 1 Year CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.76% above avg
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 Months
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.72% above avg
Details
Tenure: 10-14 Yrs; Active Checking: Yes
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
12 Month Certificate
$500
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.72% above avg
Details
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
12-Months CD
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.71% above avg
Details
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
12 Month CD
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.66% above avg
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
12 Month Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.66% above avg
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Share or IRA Certificate
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.66% above avg
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1-Year IRA Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.66% above avg
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1-Year Term Share Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.66% above avg
Details
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Traditional Share Certificates 12 Month CD (GROWTH CD)
$500
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.66% above avg
Details
Term Deposit; Traditional IRA, Roth IRA, Educational IRA
Coastal States Bank (CSB)
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month CD
$0
3.40%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.56% above avg
Details
Rates accurate as of 02/03/2026. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
12 Month Certificate
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.51% above avg
Details
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1 Year
$0
3.31%
▲ 0.47% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 0.47% above avg
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 Months
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.46% above avg
Details
Tenure: 15-19 Yrs; Active Checking: No
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
1 Year Certificate
$1,000
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.46% above avg
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month IRA Certificate
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.41% above avg
Details
Kinetic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
12 Month
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.41% above avg
Details
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12-month CD
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.41% above avg
Details
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1 Year
$0
3.06%
▲ 0.22% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 0.22% above avg
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA - 12 Months
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.21% above avg
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Share - 12 Months
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.21% above avg
Details
Willacoochee 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: 1.88%
IRA Certificate 18 Months
$0
4.05%
▲ 1.38% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details
Penalty: 120 Days1
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
18 Month Certificate
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
18 Month Certificate
$0
3.95%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.28% above avg
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
18 Month Certificate
$500
3.90%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.23% above avg
Details
Automatic Renewal to Regular Certificate
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
18 Month Certificate
$500
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.13% above avg
Details
Automatic Renewal
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
18 Months
$0
3.77%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.10% above avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
IRA Certificate 18-Month
$0
3.66%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.99% above avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18 Month Certificate
$0
3.61%
▲ 0.94% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.94% above avg
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
18 Month Certificate
$500
3.56%
▲ 0.89% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.89% above avg
Details
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
18 Month CD
$500
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.56%
18 Months IRA
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.83% above avg
Details
IRA
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Share Certificate Accounts - 18 Month
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.83% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit - 18 Month Certificate
$500
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.83% above avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
18 Month Certificate
$0
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.73% above avg
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
Share Certificate / IRA Certificate 18 Months
$500
3.35%
▲ 0.68% above national avg
▼
Rate3.31%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.68% above avg
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
18-Month Term Share Certificate
$500
3.25%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.58% above avg
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
IRA 18 Months
$250
3.05%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.38% above avg
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
18 Month Certificate
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.33% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
18 Month Certificate
$0
2.90%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.23% above avg
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
18 months
$0
2.75%
▲ 0.08% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.08% above avg
Details
FL; Dividend Posting: Monthly.
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Business 18 months
$0
2.75%
▲ 0.08% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.08% above avg
Details
FL; Dividend Posting: Monthly
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
CD 18 months
$0
2.75%
▲ 0.08% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.08% above avg
Details
Dividend Posting Monthly
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
18 Month Certificate
$500
2.00%
▼ 0.67% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.67% below avg
Details
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month CD
$500
1.80%
▼ 0.87% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.87% below avg
Details
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
18 Month Certificate
$0
1.51%
▼ 1.16% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▼ 1.16% below avg
Details
LOCOGA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
18 Month Certificate
$1,000
1.50%
▼ 1.17% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 1.17% below avg
Details
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
18 Month CD
$500
1.25%
▼ 1.42% below national avg
▼
Rate1.24%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 1.42% below avg
Details
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Certificate
$1,000
1.00%
▼ 1.67% below national avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.67% below avg
Details
Rates as of 11/25/2025. A penalty [will or may] be imposed for early withdrawal.
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Business 18 Month
$0
0.80%
▼ 1.87% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.87% below avg
Details
Compound Method: Quarterly
Kinetic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
18 Month Certificate
$0
0.50%
▼ 2.17% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 2.17% below avg
Details
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
18 Month
$0
0.45%
▼ 2.22% below national avg
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.22% below avg
Details
Compound Method: Quarterly
Willacoochee 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
Share Certificate / IRA Certificate 24 Months
$500
4.20%
▲ 1.49% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.49% above avg
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo - Minimum Deposit of 24 Month Share or IRA Certificate
$100,000
4.15%
▲ 1.44% above national avg
▼
Rate4.07%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.44% above avg
Details
$100,000.00
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
IRA Certificate 24 Months
$0
4.10%
▲ 1.39% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details
Penalty: 180 Days1
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2 Year Certificate
$0
4.10%
▲ 1.39% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.39% above avg
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
24 Months
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
24 Months
$1,000
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Business 24 months
$1,000
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Regular Certificate of Deposit (CD) 24 months
$1,000
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
24 Month Certificate
$500
4.00%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
Automatic Renewal
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
24 Month Certificate
$500
3.95%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.24% above avg
Details
Automatic Renewal to Regular Certificate
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
24 Month Certificate
$0
3.85%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.14% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
24 Months
$0
3.77%
▲ 1.06% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.06% above avg
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share or IRA Certificate
$1,000
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.89% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
JUMBO Regular & IRA Certificates 2 Year
$100,000
3.60%
▲ 0.89% above national avg
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.89% above avg
Details
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
2 Year
$0
3.57%
▲ 0.86% above national avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.86% above avg
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
24 Month Certificate
$500
3.56%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.85% above avg
Details
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
24 Month CD
$500
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.56%
24 Month Certificate
$0
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
2 Year Certificate
$1,000
3.49%
▲ 0.78% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.78% above avg
Details
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
24 Month Certificate
$0
3.35%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.64% above avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
IRA Certificate 24-Month
$0
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.59% above avg
Details
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
2 Year
$0
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.59% above avg
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Share Certificate Accounts - 24 Month
$0
3.29%
▲ 0.58% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.58% above avg
Details
Bond Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.50%
24-Month CD Special
$0
3.29%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.58% above avg
Details
New Money Only (funds must come from another financial institution). The Annual Percentage Yield (APY) is accurate as of 07/01/2026 and is subject to change without notice. Penalties may be imposed for early withdrawals, which may reduce earnings. Share Certificate accounts (CDs) are non-negotiable and non-transferable. This promotional rate is available for new money only, defined as funds not currently on deposit at BOND Community Federal Credit Union. Other restrictions may apply. Membership eligibility is required.
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2 Year CD
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2 Year IRA CD
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
*
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2 Year Trust CD
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24 Month Certificate
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.54% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit - 2 Year Certificate
$500
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.54% above avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
24 mo. standard CD
$500
3.20%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.49% above avg
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Share - 24 Months
$0
3.15%
▲ 0.44% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.44% above avg
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2-Year IRA Certificate
$500
3.15%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.44% above avg
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2-Year Term Share Certificate
$500
3.15%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.44% above avg
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA - 24 Months
$0
3.10%
▲ 0.39% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.39% above avg
Details
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
24 Month Certificate
$0
3.05%
▲ 0.34% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.34% above avg
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
2 Year Certificate
$2,500
3.05%
▲ 0.34% above national avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.34% above avg
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
24 Month Certificate
$0
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.29% above avg
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
24 Month IRA Certificate
$0
3.00%
▲ 0.29% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.29% above avg
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2 years
$0
2.90%
▲ 0.19% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.19% above avg
Details
FL; Dividend Posting: Monthly.
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Business 2 years
$0
2.90%
▲ 0.19% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.19% above avg
Details
FL; Dividend Posting: Monthly
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
CD 2 years
$0
2.90%
▲ 0.19% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.19% above avg
Details
Dividend Posting Monthly
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
2 Year Certificate
$0
2.90%
▲ 0.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.19% above avg
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
24 Month IRA Certificate
$0
2.75%
▲ 0.04% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.04% above avg
Details
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Traditional Share Certificates 24 Month CD
$500
2.75%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.04% above avg
Details
Term Deposit; Traditional IRA, Roth IRA, Educational IRA
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2 Year CD
$500
2.25%
▼ 0.46% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.46% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Southern Pine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
24 Month Certificate
$0
2.01%
▼ 0.70% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▼ 0.70% below avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Millennium Club Account - 2 Years Term
$0
2.00%
▼ 0.71% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.71% below avg
Details
Fixed Rate. Minimum to open and obtain APY is $1,000 contract amount
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2 Year CD
$500
1.80%
▼ 0.91% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.91% below avg
Details
LOCOGA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
24 Month Certificate
$1,000
1.75%
▼ 0.96% below national avg
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▼ 0.96% below avg
Details
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
24 Month Certificate
$0
1.66%
▼ 1.05% below national avg
▼
Rate1.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▼ 1.05% below avg
Details
Willacoochee 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
Share Certificate / IRA Certificate 36 Months
$500
4.20%
▲ 1.56% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.56% above avg
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
IRA Certificate 36 Months
$0
4.15%
▲ 1.51% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.51% above avg
Details
Penalty: 180 Days1
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3 Year Certificate
$0
4.10%
▲ 1.46% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.46% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
36 Months
$1,000
4.00%
▲ 1.36% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.36% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Business 36 months
$1,000
4.00%
▲ 1.36% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.36% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Regular Certificate of Deposit (CD) 36 months
$1,000
4.00%
▲ 1.36% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.36% above avg
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
36 Month Certificate
$500
4.00%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.36% above avg
Details
Automatic Renewal
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
36 Months
$0
3.82%
▲ 1.18% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.18% above avg
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
36 Month Certificate
$0
3.75%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.11% above avg
Details
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
3 Year
$0
3.57%
▲ 0.93% above national avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 0.93% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
JUMBO Regular & IRA Certificates 3 Year
$100,000
3.55%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.91% above avg
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.56%
36 Month Certificate
$0
3.50%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.86% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3 Year Certificate
$1,000
3.44%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.80% above avg
Details
Northside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
36 Month Certificate
$0
3.35%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.71% above avg
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
36 Month Certificate
$500
3.30%
▲ 0.66% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.66% above avg
Details
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
3 Year
$0
3.30%
▲ 0.66% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 0.66% above avg
Details
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
36 MONTH SPECIAL
$500
3.30%
▲ 0.66% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.66% above avg
Details
LIMITED TIME OFFER: EFFECTIVE 10/03/2025
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Share Certificate Accounts - 36 Month
$0
3.29%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.65% above avg
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
36 mo. standard CD
$500
3.20%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.56% above avg
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
3 Year CD
$0
3.15%
▲ 0.51% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.51% above avg
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
3 Year IRA CD
$0
3.15%
▲ 0.51% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.51% above avg
Details
*
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA - 36 Months
$0
3.15%
▲ 0.51% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.51% above avg
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Share - 36 Months
$0
3.15%
▲ 0.51% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.51% above avg
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Months
$0
3.04%
▲ 0.40% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.40% above avg
Details
Tenure: 20+ Yrs; Active Checking: Yes
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
36 Month Certificate
$0
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.36% above avg
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
3 years
$0
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.36% above avg
Details
FL; Dividend Posting: Monthly.
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Business 3 years
$0
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.36% above avg
Details
FL; Dividend Posting: Monthly
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
CD 3 years
$0
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.36% above avg
Details
Dividend Posting Monthly
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
36 Month Certificate
$0
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.36% above avg
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3-Year IRA Certificate
$500
3.00%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.36% above avg
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3-Year Term Share Certificate
$500
3.00%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.36% above avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
IRA Certificate 36-Month
$0
2.99%
▲ 0.35% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.35% above avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
36 Month Certificate
$0
2.94%
▲ 0.30% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.30% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
3 Year Certificate
$0
2.90%
▲ 0.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.26% above avg
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Year Certificate
$2,500
2.79%
▲ 0.15% above national avg
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.15% above avg
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
36 Month IRA Certificate
$0
2.75%
▲ 0.11% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.11% above avg
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
36 Month IRA Certificate
$0
2.60%
▼ 0.04% below national avg
▼
Rate2.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▼ 0.04% below avg
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Months
$0
2.53%
▼ 0.11% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▼ 0.11% below avg
Details
Tenure: 15-19 Yrs; Active Checking: Yes
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Months
$0
2.02%
▼ 0.62% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▼ 0.62% below avg
Details
Tenure: 10-14 Yrs; Active Checking: Yes
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit - 3 Year Certificate
$500
2.00%
▼ 0.64% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 0.64% below avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Millennium Club Account - 3 Years Term
$0
2.00%
▼ 0.64% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 0.64% below avg
Details
Fixed Rate. Minimum to open and obtain APY is $1,000 contract amount
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Year CD
$500
1.85%
▼ 0.79% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 0.79% below avg
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Months
$0
1.76%
▼ 0.88% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▼ 0.88% below avg
Details
Tenure: 15-19 Yrs; Active Checking: No
Southern Pine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
36 Month Certificate
$0
1.76%
▼ 0.88% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▼ 0.88% below avg
Details
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
36 Month CD
$500
1.75%
▼ 0.89% below national avg
▼
Rate1.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▼ 0.89% below avg
Details
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
36 Month Certificate
$0
1.66%
▼ 0.98% below national avg
▼
Rate1.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▼ 0.98% below avg
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Months
$0
1.51%
▼ 1.13% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▼ 1.13% below avg
Details
Tenure: 5-9 Yrs; Active Checking: Yes
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3 Year
$500
1.46%
▼ 1.18% below national avg
▼
Rate1.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▼ 1.18% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Year CD
$500
1.40%
▼ 1.24% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.24% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Months
$0
1.26%
▼ 1.38% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▼ 1.38% below avg
Details
Tenure: 0-4 Yrs; Active Checking: Yes
Willacoochee 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
Share Certificate / IRA Certificate 48 Months
$500
4.20%
▲ 1.55% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.55% above avg
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
IRA Certificate 48 Months
$0
4.15%
▲ 1.50% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.50% above avg
Details
Penalty: 180 Days1
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
4 Year Certificate
$0
4.10%
▲ 1.45% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.45% above avg
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
48 Month Certificate
$500
4.05%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.40% above avg
Details
Automatic Renewal to Regular Certificate
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
48 Month Certificate
$500
3.95%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.30% above avg
Details
Automatic Renewal
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
48 Months
$0
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.17% above avg
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
48 Month Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.10% above avg
Details
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4 Year
$0
3.57%
▲ 0.92% above national avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.92% above avg
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Share Certificate Accounts - 48 Month
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.85% above avg
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
48 mo. standard CD
$500
3.30%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.65% above avg
Details
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4 Year
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.65% above avg
Details
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
48 Month Certificate
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.60% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
JUMBO Regular & IRA Certificates 4 Year
$100,000
3.19%
▲ 0.54% above national avg
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.54% above avg
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
4 Year CD
$0
3.15%
▲ 0.50% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.50% above avg
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
4 Year IRA CD
$0
3.15%
▲ 0.50% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.50% above avg
Details
*
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
4 years
$0
3.10%
▲ 0.45% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.45% above avg
Details
FL; Dividend Posting: Monthly.
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Business 4 years
$0
3.10%
▲ 0.45% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.45% above avg
Details
FL; Dividend Posting: Monthly
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
CD 4 years
$0
3.10%
▲ 0.45% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.45% above avg
Details
Dividend Posting Monthly
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
4 Year Certificate
$1,000
3.09%
▲ 0.44% above national avg
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.44% above avg
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
48 Month Certificate
$500
3.04%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.39% above avg
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
48 Month Certificate
$0
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.35% above avg
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
4-Year IRA Certificate
$500
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.35% above avg
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
4-Year Term Share Certificate
$500
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.35% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
4 Year Certificate
$0
2.90%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.25% above avg
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
48 Month IRA Certificate
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.10% above avg
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
48 Month IRA Certificate
$0
2.60%
▼ 0.05% below national avg
▼
Rate2.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 0.05% below avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
48 Month Certificate
$0
2.53%
▼ 0.12% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 0.12% below avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
IRA Certificate 48-Month
$0
2.53%
▼ 0.12% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 0.12% below avg
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Year Certificate
$2,500
2.53%
▼ 0.12% below national avg
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 0.12% below avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit - 4 Year Certificate
$500
2.00%
▼ 0.65% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.65% below avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
48 Month CD
$500
1.95%
▼ 0.70% below national avg
▼
Rate1.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▼ 0.70% below avg
Details
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4 Year CD
$500
1.90%
▼ 0.75% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.75% below avg
Details
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
48 Month Certificate
$0
1.77%
▼ 0.88% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▼ 0.88% below avg
Details
Visit Office
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
4 Year
$500
1.71%
▼ 0.94% below national avg
▼
Rate1.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▼ 0.94% below avg
Details
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
48 Month Certificate
$1,000
1.51%
▼ 1.14% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 1.14% below avg
Details
Rates as of 11/25/2025. A penalty [will or may] be imposed for early withdrawal.
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Business 48 Month
$0
1.26%
▼ 1.39% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▼ 1.39% below avg
Details
Compound Method: Quarterly
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
48 Month CD
$500
1.25%
▼ 1.40% below national avg
▼
Rate1.24%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 1.40% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4 Year CD
$500
1.15%
▼ 1.50% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 1.50% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
48 Month Certificate
$0
1.11%
▼ 1.54% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 1.54% below avg
Details
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
48 Month Jumbo CD
$100,000
1.00%
▼ 1.65% below national avg
▼
Rate0.99%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 1.65% below avg
Details
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
48 Month
$0
0.65%
▼ 2.00% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▼ 2.00% below avg
Details
Compound Method: Quarterly
Kinetic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
48 Month Certificate
$0
0.65%
▼ 2.00% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▼ 2.00% below avg
Details
Willacoochee 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
Share Certificate / IRA Certificate 60 Months
$500
4.20%
▲ 1.45% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.45% above avg
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
IRA Certificate 60 Months
$0
4.15%
▲ 1.40% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.40% above avg
Details
Penalty: 180 Days1
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
60 Month Certificate
$500
4.10%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.35% above avg
Details
Automatic Renewal to Regular Certificate
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
5 Year Certificate
$0
4.10%
▲ 1.35% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.35% above avg
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
60 Month Certificate
$500
3.85%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.10% above avg
Details
Automatic Renewal
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
60 Months
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.07% above avg
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
60 Month Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.00% above avg
Details
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
5 Year
$0
3.57%
▲ 0.82% above national avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.82% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
60 Months
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.75% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Business 60 months
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.75% above avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Regular Certificate of Deposit (CD) 60 months
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.75% above avg
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Share Certificate Accounts - 60 Month
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.75% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
JUMBO Regular & IRA Certificates 5 Year
$100,000
3.44%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.69% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
5 Year Certificate
$1,000
3.34%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.59% above avg
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Months
$0
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.55% above avg
Details
Tenure: 20+ Yrs; Active Checking: Yes
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 mo. standard CD
$500
3.30%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.55% above avg
Details
Craft Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
5 Year
$0
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.55% above avg
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
5 Year CD
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.50% above avg
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
5 Year IRA CD
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.50% above avg
Details
*
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
5 Year Trust CD
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.50% above avg
Details
Georgia United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
60 Month Certificate
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.50% above avg
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
5-Year IRA Certificate
$500
3.15%
▲ 0.40% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.40% above avg
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
5-Year Term Share Certificate
$500
3.15%
▲ 0.40% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.40% above avg
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
60 Month Certificate
$500
3.04%
▲ 0.29% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.29% above avg
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
60 Month Certificate
$0
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.25% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
5 Year Certificate
$0
2.90%
▲ 0.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.15% above avg
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Months
$0
2.78%
▲ 0.03% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.03% above avg
Details
Tenure: 15-19 Yrs; Active Checking: Yes
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
60 Month IRA Certificate
$0
2.75%
At national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%At the average
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
60 Month IRA Certificate
$0
2.60%
▼ 0.15% below national avg
▼
Rate2.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▼ 0.15% below avg
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5 Year Certificate
$2,500
2.53%
▼ 0.22% below national avg
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▼ 0.22% below avg
Details
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
60 Month Certificate
$500
2.50%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.25% below avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60 Month Certificate
$0
2.32%
▼ 0.43% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▼ 0.43% below avg
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
IRA Certificate 60-Month
$0
2.32%
▼ 0.43% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▼ 0.43% below avg
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Months
$0
2.27%
▼ 0.48% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▼ 0.48% below avg
Details
Tenure: 10-14 Yrs; Active Checking: Yes
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Months
$0
2.02%
▼ 0.73% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▼ 0.73% below avg
Details
Tenure: 15-19 Yrs; Active Checking: No
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
60 Month Certificate
$0
2.02%
▼ 0.73% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▼ 0.73% below avg
Details
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
60 Month CD
$500
2.00%
▼ 0.75% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▼ 0.75% below avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit - 5 Year Certificate
$500
2.00%
▼ 0.75% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.75% below avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5 Year
$500
1.97%
▼ 0.78% below national avg
▼
Rate1.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▼ 0.78% below avg
Details
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
5 Year CD
$500
1.90%
▼ 0.85% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.85% below avg
Details
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
60 Month Certificate
$1,000
1.76%
▼ 0.99% below national avg
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.99% below avg
Details
Rates as of 11/25/2025. A penalty [will or may] be imposed for early withdrawal.
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Months
$0
1.76%
▼ 0.99% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▼ 0.99% below avg
Details
Tenure: 5-9 Yrs; Active Checking: Yes
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Months
$0
1.51%
▼ 1.24% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▼ 1.24% below avg
Details
Tenure: 0-4 Yrs; Active Checking: Yes
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
60 months or more
$0
1.31%
▼ 1.44% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.44% below avg
Details
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Business 60 Month
$0
1.30%
▼ 1.45% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▼ 1.45% below avg
Details
Compound Method: Quarterly
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
60 Month CD
$500
1.25%
▼ 1.50% below national avg
▼
Rate1.24%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▼ 1.50% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
5 Year CD
$500
1.25%
▼ 1.50% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.50% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 Month Certificate
$0
1.21%
▼ 1.54% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▼ 1.54% below avg
Details
Citizens Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
60 Month Jumbo CD
$100,000
1.00%
▼ 1.75% below national avg
▼
Rate0.99%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▼ 1.75% below avg
Details
Century Bank and Trust GA
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
60 Month
$0
0.70%
▼ 2.05% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▼ 2.05% below avg
Details
Compound Method: Quarterly
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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.
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Willacoochee, GA CD Rate Trends
Compare local Willacoochee, 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
2.840%
▲ 0.763 vs 7 days ago
Georgia 12-month CD rates rose 0.763 points over the past 7 days to 2.840% APY.
6-Month CD GA Avg
2.669%
▲ 1.641 vs 7 days ago
Georgia 6-month CD rates rose 1.641 points over the past 7 days to 2.669% APY.
As of Sep 10, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
GA 12-Month Avg APY
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%
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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 | 1.993% | $99.65 | $199.29 | $498.22 | $996.45 |
| 6-Month CD | 2.669% | $133.45 | $266.90 | $667.25 | $1,334.50 |
| 12-Month CD | 2.840% | $142.01 | $284.02 | $710.05 | $1,420.10 |
| 18-Month CD | 2.673% | $133.67 | $267.34 | $668.35 | $1,336.70 |
| 24-Month CD | 2.712% | $135.61 | $271.23 | $678.07 | $1,356.15 |
| 36-Month CD | 2.640% | $132.02 | $264.03 | $660.07 | $1,320.15 |
| 48-Month CD | 2.652% | $132.61 | $265.23 | $663.07 | $1,326.15 |
| 60-Month CD | 2.747% | $137.35 | $274.69 | $686.73 | $1,373.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026. | |||||
Sample CD Ladder for Willacoochee, 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 | 1.993% | $99.65 |
| 2 | 6-Month CD | $5,000 | 2.669% | $133.45 |
| 3 | 12-Month CD | $5,000 | 2.840% | $142.01 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.61 |
| 5 | 36-Month CD | $5,000 | 2.640% | $132.02 |
| Total ($25,000 invested) | $25,000 | 2.571% blended | $642.74/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.
337
CD Rates
Tracked in Willacoochee, Georgia
Tracked in Willacoochee, Georgia
19 Banks
33 Credit Unions
About Our Willacoochee, Georgia CD Rate Database
MonitorBankRates tracks 337 CD rates from 19 banks and 33 credit unions with locations in Willacoochee, Georgia, plus national online institutions available to Georgia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: P&S Credit Union offers a CD at 5.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Willacoochee, Georgia.
How to Find the Best CD Rates in Willacoochee, Georgia
What to compare when shopping for a CD in Willacoochee, Georgia
To find the best APYs in Willacoochee, Georgia, start with credit unions and online-only banks: Willacoochee, Georgia has 33 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 Willacoochee, 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 Willacoochee, Georgia: 52 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Willacoochee, 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 Willacoochee, Georgia money market rates
Willacoochee, Georgia Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
18.5%
National avg: 17.3%
Median Individual Earnings
$31,963
National avg: $47,340
Poverty Rate
27.7%
National avg: 11.1%
Unemployment Rate
1.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$91/yr
At GA 12-mo avg 2.840% APY
18.5% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 1.1% reflects a strong local economy. At today’s GA 12-month CD average of 2.840%, saving 10% of the local median salary ($3,196/year) and putting it in a CD would earn an additional $91 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 Willacoochee, Georgia
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Willacoochee, 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 Willacoochee, 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 Willacoochee, Georgia as everywhere in the U.S.
Choosing a CD Term in Willacoochee, 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 Willacoochee, Georgia savers easier access to their funds. For example, Marshland Credit Union is offering its 6-Month Certificate at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Family Savings Credit Union is offering its Share Certificate / IRA Certificate 60 Months at 4.20% 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 Willacoochee, 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 Willacoochee, 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 Willacoochee, 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 Willacoochee, 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 Willacoochee, Georgia
Most CDs carry a fixed rate that is locked for the entire term, protecting a Willacoochee, 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 Willacoochee, Georgia
Are CD rates in Willacoochee, Georgia FDIC insured?
Yes, most established banks in Willacoochee, 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 Willacoochee, 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 Willacoochee, 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 Willacoochee, 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 Willacoochee, Georgia?
Here are recent top rates found for this area:
- P&S Credit Union: 5.00% APY (12 Month Certificate-STUDENT Accounts)
- CDC Federal Credit Union: 4.59% APY (12 Months)
- Austin Capital Bank: 4.32% APY (3 Month CD)
- Family Savings Credit Union: 4.20% APY (Share Certificate / IRA Certificate 24 Months)
- Marshland Credit Union: 4.20% APY (12-Month Certificate)
- Georgia Heritage Federal Credit Union: 4.15% APY (IRA Certificate 36 Months)
- Workmens Circle Incorporated Credit Union: 4.15% APY (Jumbo - Minimum Deposit of 24 Month Share or IRA Certificate)
- New Millennium Bank: 4.15% APY (Certificates of Deposit - 12 Month Certificate)
- RBC Bank, (Georgia): 4.10% APY (1 Year Certificate)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts - 6 Month)
Rates reflect recent verified offers available in Willacoochee, Georgia. Last Updated: September 9, 2026
Willacoochee, 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 Willacoochee, Georgia rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Willacoochee, Georgia
Willacoochee, 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.
Willacoochee, Georgia CD LadderGA CD rates currently range from 1.993% (3-month) to 2.640% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Willacoochee, Georgia CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsGeorgia’s average 12-month CD is 2.840% 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 Willacoochee, 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 Willacoochee, 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 Willacoochee, Georgia. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in GA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 9, 2026
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