Augusta, Georgia Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Augusta, Georgia savings account rates range from 0.01% to 7.00% APY, verified by MonitorBankRates as of October 13, 2026. The best savings rates for Augusta, Georgia and the surrounding area include UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1 ADP Dr, Augusta, GA 30909A-5.0 ★Texas Ratio: 14.54%Real return: +2.20%APY minus 2.8% CPI (February 2026) High Interest Savings at 5.00% APY, Associated Credit UnionAssociated Credit Union3749 Wheeler Rd, Augusta, GA 30909A+5.0 ★Texas Ratio: 1.61%Real return: +1.20%APY minus 2.8% CPI (February 2026) Safari Savings Club at 4.00% APY, CIT BankCIT Bank3602 Walton Way Ext, Augusta, GA 30909A5.0 ★Texas Ratio: 7.72%Real return: +0.95%APY minus 2.8% CPI (February 2026) Platinum Savings >= at 3.75% APY, Pentagon Federal Credit UnionPentagon Federal Credit Union205 Davis Rd, Augusta, GA 30907A5.0 ★Texas Ratio: 6.53%Real return: -0.10%APY minus 2.8% CPI (February 2026) Premium Online Savings Account at 2.70% APY, and Navy Federal Credit UnionNavy Federal Credit Union263 Robert C Daniel Jr Pkwy # A, Augusta, GA 30909 0801A5.0 ★Texas Ratio: 8.14%Real return: -0.65%APY minus 2.8% CPI (February 2026) Jumbo Money Market Savings Account at 2.15% APY.
Augusta has 49 local institutions in our database, with savings rates as high as 5.00% APY from UNIFY Financial Federal Credit Union at 1 ADP Dr, Augusta, GA 30909. Use the table below to compare all available offers, including options from institutions serving the broader Georgia area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Augusta, Georgia and the surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Savings Rates in Augusta, Georgia & Surrounding Communities
Balance: $1.00 - $2,500.00
Balance: $50 - $500; Q3
$100,000; Balance: $100,000 & More
- Oct 9, 20262.75%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Balance: $5 minimum balance to open
Balance: $1,000,000 and over
Balance: $500,000 - $999,999
Balance: $250,000 - $499,999
Balance: $100,000 - $249,999
Balance: $50,000 and over
$10,000; Balance: $10,000 To $99,999
- Oct 9, 20261.25%▲ from 1.15%
- Sep 14, 20261.15%first recorded
Balance: $25,000 - $49,999
Balance: $10,000 - $24,999
Balance: $2,500 - $9,999
$1,000; Balance: $1,000 To $4,999
- Oct 9, 20260.50%▲ from 0.40%
- Sep 14, 20260.40%first recorded
$5,000; Balance: $5,000 To $9,999
- Oct 9, 20260.50%▲ from 0.40%
- Sep 14, 20260.40%first recorded
Balance: $100,000 & UP; Q3
Balance: $100,000 & UP; Q3
Balance: $100,000 & UP; Q3
Balance: $100,000 & UP; Q3
Balance: $100,000 & UP; Q3
Balance: $50,000 - $99,999; Q3
Balance: $50,000 - $99,999; Q3
Balance: $50,000 - $99,000; Q3
Balance: $50,000 - $99,999; Q3
Balance: $50,000 - $99,999; Q3
- Oct 6, 20260.25%▼ from 3.75%
- Sep 24, 20263.75%first recorded
Balance: $0 - $99,999
Balance: $50 - $49,999; Q3
Balance: $50 - $49,999; Q3
Balance: $501 - $49,999; Q3
Balance: $50 - $49,999; Q3
Balance: $50 - $49,999; Q3
When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Oct 7, 20260.05%▲ from 0.01%
- Sep 27, 20260.01%▼ from 0.05%
- Sep 18, 20260.05%first recorded
Balance: $0+
Balance: $25 minimum balance to open; Balance $100,000 or more
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Oct 7, 20260.02%▲ from 0.01%
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: $0+
Qualifications Required: 12,500+ average daily steps; AVG DAILY STEPS: 12,500+
- Oct 7, 20264.00%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Minimum savings goal amount is $1,000. Initial deposit required to open account. Accompanying Loyal Trust Bank checking account is required. Your automated pre-authorized monthly deposit amount will be based on your savings goal. No withdrawals can be made from this account during the savings period without penalty. Interest is calculated on account balances. Interest compounds daily and credits quarterly. Interest does not accrue after maturity.
Interest compounded daily on the collected balance. $6 monthly maintenance fee if minimum average daily balance is not met.
Qualifications Required: 12,500+ avg daily steps; Avg Daily Steps: 12,500+
AVG DAILY STEPS: 12,500+
Balance: 10,000+ AVG DAILY STEPS
Balance: 10,000+ AVG DAILY STEPS
Balance: 10,000+ AVG DAILY STEPS
Balance: 10,000+ AVG DAILY STEPS
Balance: $250,000.00 +
Interest earned on balances over $100. No step requirements for the first month. Initial Rate will be the top tier offered until the rate adjustment date following first calendar month that the account has been opened. Average daily step count hits 12,500.
AVG DAILY STEPS: 12,500+
Balance: 10,000+ AVG DAILY STEPS
Qualifications Required: Average daily step count hits 12,500; Earn the highest rate offered on a Fitness Savings account when your average daily step count hits 12,500. Interest earned on balances over $100. No step requirements for the first month. Initial Rate will be the top tier offered until the rate adjustment date following first calendar month that the account has been opened.
AVG DAILYSTEPS: 12,500+
Balance: 10,000+ AVG DAILY STEPS
Earn 3.40% APY when you combine Companion Savings with a qualifying FirstBank CD.
Balance: 7,500 - 9,999 AVG DAILY STEPS
APY* refers to Annual Percentage Yield. Interest Rate** refers to the rate paid on the account.
Balance: 7,500 - 9,999 AVG DAILY STEPS
Qualifications Required: 10,000 - 12,499 average daily steps; AVG DAILY STEPS: 10,000 - 12,499
- Oct 7, 20262.75%▼ from 3.90%
- Sep 18, 20263.90%first recorded
AVG DAILY STEPS: 10,000 - 12,499
Balance: 7,500 - 9,999 AVG DAILY STEPS
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Augusta, GA Savings Rate Trends
Compare local Augusta, GA savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Georgia high-yield savings rates rose 0.081 points over the past 7 days to 2.000% APY, up from 1.919%.
Georgia standard savings rates rose 0.044 points over the past 7 days to 0.878% APY, up from 0.833%.
Augusta, Georgia Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current GA high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current GA high-yield savings average of 2.000% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Augusta, Georgia.
Savings Account Earnings in Augusta, Georgia
Annual interest earnings at current GA average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.000% APY) | Monthly Earnings | Standard Savings (0.878% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $100.01 / year | $8.33 | $43.88 / year | $3.66 |
| $10,000 | $200.02 / year | $16.67 | $87.75 / year | $7.31 |
| $25,000 | $500.05 / year | $41.67 | $219.38 / year | $18.28 |
| $50,000 | $1,000.10 / year | $83.34 | $438.75 / year | $36.56 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Augusta, Georgia savings rate averages as of October 14, 2026. | ||||
About Our Augusta, Georgia Savings Rate Database
MonitorBankRates found 6 institutions with branches in Augusta (2 banks, 4 credit unions), plus 9 additional state-chartered and national online institutions available to Augusta residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: UNIFY Financial Federal Credit Union offers a savings account at 5.00% APY. Use the rate table above to compare all current offers in Augusta, Georgia.
How to Find the Best Savings Rates in Augusta, Georgia
What to compare when shopping for a savings account in Augusta, Georgia
To find the best savings APYs in Augusta, Georgia, start with credit unions and online-only banks: Augusta, Georgia has 4 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current GA high-yield savings average is 2.000% but top local institutions are offering as high as 5.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Augusta, Georgia high-yield savings rates currently average 2.000% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Augusta, Georgia institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 15 institutions in Augusta, Georgia report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Augusta, Georgia CD rates
- You want check-writing flexibility Augusta, Georgia money market rates
- You need daily transaction access Augusta, Georgia checking rates
Georgia Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
15.0% of residents are 65 or older, below the national average of 17.3%. At today’s GA high-yield savings average of 2.000%, saving 10% of the local median salary ($4,381/year) would earn an additional $88 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Augusta, Georgia Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Augusta, Georgia.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current GA Avg APY | 2.000% | 0.878% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Augusta, Georgia averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Augusta, Georgia
At GA’s top rate of 5.00% from UNIFY Financial Federal Credit Union, a $10,000 deposit earns $500 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Augusta, Georgia earner is roughly $11,000. At 2.000% APY, saving $910/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsGeorgia’s high-yield savings average is 2.000% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Augusta, Georgia earner makes $43,815/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.000% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.000% APY grows to roughly $37,150 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Augusta, Georgia savings 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 Savings Rate Data: We aggregate savings account rates for Augusta, Georgia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed 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 Augusta, Georgia. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in GA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Augusta, Georgia
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Augusta, Georgia safe?
How often do savings rates change in Augusta, Georgia?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Augusta, Georgia?
How do I open a savings account in Augusta, Georgia?
Best Savings Rates in Augusta, Georgia
- UNIFY Financial Federal Credit Union
High Interest Savings: 5.00% APY - Associated Credit Union
Safari Savings Club: 4.00% APY - CIT Bank
Platinum Savings >=: 3.75% APY - Pentagon Federal Credit Union
Premium Online Savings Account: 2.70% APY - Navy Federal Credit Union
Jumbo Money Market Savings Account: 2.15% APY
Augusta, Georgia Rates & Resources
