Kennesaw, Georgia Savings Rates - October 2026
Brian McKay
Brian McKay
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Kennesaw, Georgia savings account rates range from 0.01% to 7.00% APY, verified by MonitorBankRates as of October 23, 2026. The best savings rates for Kennesaw, Georgia and the surrounding area include Wells FargoWells Fargo850 Barrett Pkwy, Kennesaw, GA 30144A+5.0 ★Texas Ratio: 5.36%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 20, 2026 Platinum Savings - New Savings Customers at 3.25% APY, First Arkansas Bank and TrustFirst Arkansas Bank and Trust200 Chastain Center Blvd Nw, Kennesaw, GA 30144A5.0 ★Texas Ratio: 12.49%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 20, 2026 Money Market Savings at 3.25% APY, Credit Union of GeorgiaCredit Union of Georgia4178 Jiles Rd NW Ste 100, Kennesaw, GA 30144A5.0 ★Texas Ratio: 6.49%Real return: -0.70%APY minus 3.7% CPIRate verified Oct 19, 2026 High Interest Savings at 3.00% APY, Navy Federal Credit UnionNavy Federal Credit Union1300 Earnest Barrett Parkway Suite 240, Kennesaw, GA 30152A5.0 ★Texas Ratio: 8.14%Real return: -1.55%APY minus 3.7% CPIRate verified Oct 20, 2026 Jumbo Money Market Savings Account (MMSA) at 2.15% APY, and LGE Community Credit UnionLGE Community Credit Union2050 Cobb Pkwy NW, Kennesaw, GA 30152A+5.0 ★Texas Ratio: 2.70%Real return: -2.20%APY minus 3.7% CPIRate verified Oct 22, 2026 Youth Savings at 1.50% APY.
Kennesaw has 50 local institutions in our database, with savings rates as high as 3.25% APY from Wells Fargo at 850 Barrett Pkwy, Kennesaw, GA 30144. 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 Kennesaw, Georgia and the surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Savings Rates in Kennesaw, Georgia & Surrounding Communities
Balance: $25,000 or more; Rate for new savings customers only; requires $25,000 within 30 days; Bay Area CA counties only
Balance: $250,000 - $5,000,000.00; Tier 4; No interest paid on balances over $5,000,000.00; Avoid $10.00 balance requirement fee with daily balance of at least $2,500
Balance: $0.00 - $2,500.00; Earn 3% APY on your first $2,500; competitive dividends on remaining balances; Account open to member age 18 & up
Balance: $100,000 - $249,999.99; Tier 3; Avoid $10.00 balance requirement fee with daily balance of at least $2,500
Balance: $1,000,000 & above
Balance: $1,000,000 and above
Balance: $500,000 - $999,999
Balance: $500,0000 - $999,999
Balance: $50,000.00 - $99,999.99; Tier 2; Avoid $10.00 balance requirement fee with daily balance of at least $2,500
Balance: $250,000 - $499,999
- Oct 14, 20262.25%▲ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: $250,000 - $499,999
Balance: $1,000,000 and over; Savings & IRA
Balance: $500,000 - $999,999; Savings & IRA
Balance: $0.00 - $49,999.99; Tier 1; Avoid $10.00 balance requirement fee with daily balance of at least $2,500
Balance: $100,000 - $249,999
Balance: $100,000 - $250,000
Balance: $250,000 - $499,999; Savings & IRA
Balance: $100,000 - $249,999; Savings & IRA
Balance: $50,000 and over; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $5.00 - $1,000.00; Youth savings available through age 17; one account per person; balances over $1,000 earn at a lower rate
Balance: $50,000 - $99,999
Balance: $50,000 - $100,000
Balance: $25,000 - $49,999
Balance: $25,000 - $50,000
Balance: $25,000 - $49,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $10,000 - $24,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $2,500 - $9,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $2,500 - $24,999
Balance: $2,500 - $25,000
Balance tier starting at $100,000.00; Youth savings available through age 17; one account per person
Balance: $100,000; Rates effective 4/1/2025
Balance: $100,000.00 and over
Balance: $100,000.00 and over; A $100 minimum balance is required to earn dividends on a savings account
Balance tier starting at $25,000.00; Youth savings available through age 17; one account per person
Balance: $25,000; Rates effective 4/1/2025
Balance: $25,000.00 and over
Balance: $25,000.00 and over; A $100 minimum balance is required to earn dividends on a savings account
Balance tier starting at $1,000.01; Youth savings available through age 17; one account per person
Compounded & Credited: Monthly
Balance: $0 - $99,999; Savings & IRA
Compounded & Credited: Monthly; Fees may reduce earnings
Balance: $2,500 and above; Minimum balance to earn stated APY: $10
- Oct 19, 20260.25%▼ from 3.00%
- Sep 18, 20263.00%first recorded
Balance: $2,500 +
Balance: $0 or more; Relationship rate when linked to Premier Checking or Checking; Bay Area CA counties only
Balance: $0 - $2,499.99
Balance: $0 or more; Relationship rate when linked to Prime Checking or Checking; Bay Area CA counties only
Balance: $0 or more; Avoid $12 monthly fee with $3,500 minimum daily balance; Bay Area CA counties only
Balance: $0 or more; Bay Area CA counties only
Balance: $1.00 - $499.99
Balance: $0-$4,999.99; Rates as of 9/28/2026; Monthly maintenance fee $5 (can be waived)
Minimum Balance to Open Account: $5.00; Minimum balance to earn Interest and obtain APY: $0.01
Avg Daily Steps: 12,500+; Earn the interest rate by tracking your steps on the FitnessBank mobile app
Avg Daily Steps: 12,500+; Earn the rate by tracking your steps on the FitnessBank mobile app
Avg Daily Steps: 12,500+; Earn the interest rate by tracking your steps on the FitnessBank mobile app
- Oct 14, 20264.00%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Minimum savings goal $1,000; requires accompanying Loyal Trust Bank checking account; interest compounds daily and credits quarterly
Interest compounded daily on the collected balance; $100 minimum average daily balance to avoid $6 monthly maintenance fee
Avg Daily Steps: 12,500+; Earn the rate by tracking your steps on the FitnessBank mobile app
- Oct 14, 20264.00%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Qualifications Required; Combined with Fitness Elite Checking; Ultra Rate; Account balances capped at $250,000; If the minimum balance is not met, a Bonus Rate of plus 0.25% is earned
Avg Daily Steps: 12,500+; Elite Checking + Fitness Savings combination; Meet Elite qualifications + $5,000 min average balance in checking
Average daily steps: 12,500+; Ultra Rate with Fitness Elite Checking + Fitness Savings combo
- Oct 14, 20263.80%▲ from 0.75%
- Oct 6, 20260.75%first recorded
Avg Daily Steps: 12,500+
Avg Daily Steps: 10,000+
Balance: $5,000 and over
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Average daily steps: 12,500+
- Oct 1, 20263.75%▼ from 4.25%
- Sep 24, 20264.25%first recorded
Avg Daily Steps: 10,000+
Balance: $250,000.00 +
Highest rate offered on a Fitness Savings account when average daily step count hits 12,500 (10,000 if 65+); bonus 0.25% on a Fitness Savings account if requirements met
- Sep 24, 20263.50%▼ from 3.80%
- Sep 18, 20263.80%first recorded
Avg Daily Steps: 10,000+; Seniors 65 and over; balances capped at $250,000; $100 minimum opening deposit; $10 maintenance fee waived with $100 minimum average daily balance
Average daily steps: 12,500+
Avg Daily Steps: 10,000+
Power Duo promo: earn 3.40% APY when combined with a qualifying FirstBank CD
Avg Daily Steps: 10,000 - 12,499; Earn the interest rate by tracking your steps on the FitnessBank mobile app
Avg Daily Steps: 10,000 - 12,499
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.
Kennesaw, GA Savings Rate Trends
Compare local Kennesaw, 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 fell 0.006 points over the past 7 days to 2.086% APY, down from 2.092%.
Georgia standard savings rates fell 0.060 points over the past 7 days to 0.831% APY, down from 0.891%.
Kennesaw, 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 2.086% 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 Kennesaw, Georgia.
Savings Account Earnings in Kennesaw, 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 (2.086% APY) | Monthly Earnings | Standard Savings (0.831% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $104.30 / year | $8.69 | $41.55 / year | $3.46 |
| $10,000 | $208.60 / year | $17.38 | $83.09 / year | $6.92 |
| $25,000 | $521.50 / year | $43.46 | $207.73 / year | $17.31 |
| $50,000 | $1,043.00 / year | $86.92 | $415.45 / year | $34.62 |
| 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: Kennesaw, Georgia savings rate averages as of October 25, 2026. | ||||
About Our Kennesaw, Georgia Savings Rate Database
MonitorBankRates found 8 institutions with branches in Kennesaw (5 banks, 3 credit unions), plus 9 additional state-chartered and national online institutions available to Kennesaw 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: Wells Fargo offers a savings account at 3.25% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Kennesaw, Georgia.
How to Find the Best Savings Rates in Kennesaw, Georgia
What to compare when shopping for a savings account in Kennesaw, Georgia
To find the best savings APYs in Kennesaw, Georgia, start with credit unions and online-only banks: Kennesaw, Georgia has 3 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 2.086% but top local institutions are offering as high as 3.25%, 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. Kennesaw, Georgia high-yield savings rates currently average 2.086% 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 Kennesaw, Georgia institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 17 institutions in Kennesaw, 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 Kennesaw, Georgia CD rates
- You want check-writing flexibility Kennesaw, Georgia money market rates
- You need daily transaction access Kennesaw, Georgia checking rates
Kennesaw, Georgia Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
13.2% of residents are 65 or older, below the national average of 17.3%. At today’s GA high-yield savings average of 2.086%, saving 10% of the local median salary ($4,335/year) would earn an additional $90 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Kennesaw, Georgia Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Kennesaw, Georgia.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current GA Avg APY | 2.086% | 0.831% | 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 Kennesaw, Georgia averages tracked in our database as of October 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Kennesaw, Georgia
At GA’s top rate of 3.25% from Wells Fargo, a $10,000 deposit earns $325 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Kennesaw, Georgia earner is roughly $10,800. At 2.086% APY, saving $900/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 2.086% 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 Kennesaw, Georgia earner makes $43,357/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.086% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.086% APY grows to roughly $37,780 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 Kennesaw, 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 Kennesaw, 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 Kennesaw, 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 Kennesaw, Georgia
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Kennesaw, Georgia safe?
How often do savings rates change in Kennesaw, 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 Kennesaw, Georgia?
How do I open a savings account in Kennesaw, Georgia?
Best Savings Rates in Kennesaw, Georgia
- Wells Fargo
Platinum Savings - New Savings Customers: 3.25% APY - First Arkansas Bank and Trust
Money Market Savings: 3.25% APY - Credit Union of Georgia
High Interest Savings: 3.00% APY - Navy Federal Credit Union
Jumbo Money Market Savings Account (MMSA): 2.15% APY - LGE Community Credit Union
Youth Savings: 1.50% APY
Kennesaw, Georgia Rates & Resources
