Augusta, Georgia (GA) Savings Rates - March 2026
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Editorial Disclosure
The savings 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.
The best savings rates for Augusta, Georgia and the surrounding area include Associated Credit UnionAssociated Credit Union3749 Wheeler Rd, Augusta, GA 30909A+5.0 ★Texas Ratio: 2.38% Safari Savings Club at 4.00% APY, Security Federal BankSecurity Federal Bank1607 Walton Way, Augusta, GA 30904A5.0 ★Texas Ratio: 7.11% Health Savings Accounts at 0.55% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1 ADP Dr, Augusta, GA 30909B4.4 ★Texas Ratio: 21.76% IRA Savings Account (Traditional, Roth and Coverdell) at 0.30% APY, Georgias Own Credit UnionGeorgias Own Credit Union1424 Walton Way, Augusta, GA 30901A5.0 ★Texas Ratio: 12.48% Savings at 0.20% APY, and Wells FargoWells Fargo3115 Peach Orchard Rd, Augusta, GA 30906A5.0 ★Texas Ratio: 7.44% Retirement High Yield Savings at 0.05% APY.
To see how these savings rates in Augusta, Georgia, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Augusta, Georgia (GA) are continually updated — 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: March 20, 2026
Augusta, GA Savings Rate Trends
Compare local Augusta, GA savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — GA Avg
0.595%
Georgia high-yield savings rates currently average 0.595% APY based on data from institutions in our monitoring network.
Standard Savings — GA Avg
0.444%
▼ 0.006 from last week
Georgia standard savings rates fell 0.006 points this week to 0.444% APY, down from 0.450% last week.
As of Mar 20, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Savings Rates in Augusta, Georgia & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Safari Savings Club
4.00%
$0
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Regular, TRUST, & IRA MMAs
2.40%
$0
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Regular, TRUST, & IRA MMAs
1.15%
$0
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Security Federal Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
1607 Walton Way, Augusta, GA 30904
Health Savings Accounts
0.55%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Security Federal Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
1607 Walton Way, Augusta, GA 30904
Regular Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Security Federal Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
1607 Walton Way, Augusta, GA 30904
Health Savings Accounts
0.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Trust Primary Share
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Share Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Safari Savings Club
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Regular, TRUST, & IRA MMAs
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
PRO$PER Savings Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
IRA Share Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
CUBS Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
$100,000 & UP
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Business Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
$100,000 & UP
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Business Primary Share
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
$100,000 & UP
Security Federal Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
1607 Walton Way, Augusta, GA 30904
Health Savings Accounts
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Security Federal Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
1607 Walton Way, Augusta, GA 30904
Super Savings (for children 12 and under)
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Trust Primary Share
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 ADP Dr, Augusta, GA 30909
IRA Savings Account (Traditional, Roth and Coverdell)
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Business Primary Share
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
$50,000 - $99,999
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
IRA Share Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
PRO$PER Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Safari Savings Club
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Share Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
CUBS Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
$50,000 - $99,999
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Business Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
$50,000 - $99,000
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Business Primary Share
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
$50 - $49,999
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
CUBS Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
$50 - $49,999
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
IRA Share Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
PRO$PER Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Safari Savings Club
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Share Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Trust Primary Share
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3749 Wheeler Rd, Augusta, GA 30909
Business Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
$50 - $49,000
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
1424 Walton Way, Augusta, GA 30901
Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3115 Peach Orchard Rd, Augusta, GA 30906
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Security Federal Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
1607 Walton Way, Augusta, GA 30904
Health Savings Accounts
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3115 Peach Orchard Rd, Augusta, GA 30906
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3115 Peach Orchard Rd, Augusta, GA 30906
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
How to avoid the $5 monthly service fee
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3115 Peach Orchard Rd, Augusta, GA 30906
Way2Save Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
10300 Industrial Blvd Ne, Covington, GA 30014
Cents-able Savings
7.00%
$5
▼
Rate7.00%
Min Deposit$5
Min Balance—
UpdatedMar 16, 2026
Details
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
ULTRA Savings
4.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
Ultra Savings Rate
4.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
Savings W/Checking Account
4.45%
$0
▼
Rate4.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
AVG DAILY STEPS: 12,500+
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
Savings w/Checking Rate
4.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
Savings W/Elite Chk
4.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
SENIOR Savings
4.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
American Pride Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
4740 Log Cabin Dr, Macon, GA 31204
High Savings Account
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Terms and Conditions Apply.
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
5063 Alabama Hwy, Ringgold, GA 30736
FirstUp Savings
3.82%
$50
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedMar 18, 2026
Details
Qualifications Required: recurring monthly transfer totaling $50.00 or more from the FirstBank personal checking or FirstBank personal money market; Qualifying balance up to $25,000.00
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3550 Lenox Rd Ne, Atlanta, GA 30326
Business Money Market Savings
3.60%
$0
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Balances $250,000.00 +
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
Money Market Savings
3.25%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3360 Satellite Blvd, Duluth, GA 30096
WooriWON Savings
3.25%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
Online-only savings account
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
115 N Dooly St, Montezuma, GA 31063
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
Savings W/Elite Chk
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
Savings w/Checking Rate
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3360 Satellite Blvd, Duluth, GA 30096
WooriWON Savings
2.95%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
Online-only savings account
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
Money Market Savings
2.85%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
SENIOR Savings
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Hanmi Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2330 Pleasant Hill Rd, Duluth, GA 30096
Simple Savings
2.70%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
Money Market Savings
2.34%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
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MonitorBankRates
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.
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.
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.
Methodology & Data Sources
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)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Georgia, help your money grow faster through a higher APY.
Are savings accounts in Augusta, Georgia safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Georgia up to $250,000 per depositor, per institution.
How often do savings rates change in Augusta, Georgia?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Georgia rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Augusta, Georgia may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Augusta, Georgia?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Augusta, Georgia offer in-person customer service, which some customers prefer.
How do I open a savings account in Augusta, Georgia?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Augusta, Georgia
Here are recent savings rates observed in Augusta, Georgia and the surrounding area:
- Associated Credit Union
Safari Savings Club — 4.00% APY - Security Federal Bank
Health Savings Accounts — 0.55% APY - UNIFY Financial Federal Credit Union
IRA Savings Account (Traditional, Roth and Coverdell) — 0.30% APY - Georgias Own Credit Union
Savings — 0.20% APY - Wells Fargo
Retirement High Yield Savings — 0.05% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Augusta, Georgia. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026
