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Georgia Savings Rate Trends

Shady Dale, Georgia (GA) Savings Rates - April 2026

The best savings rates for Shady Dale, Georgia and the surrounding area include FsnbFsnbA5.0 ★Texas Ratio: 12.00% Cents-able Savings at 7.00% APY, Together Credit UnionTogether Credit UnionA+5.0 ★Texas Ratio: 5.65% Accelerate It Savings at 5.00% APY, Fitness BankFitness BankA5.0 ★Texas Ratio: 10.05% Savings Account at 4.50% APY, Justice Federal Credit UnionJustice Federal Credit UnionA5.0 ★Texas Ratio: 9.17% Freedom Direct Savings at 4.00% APY, and Associated Credit UnionAssociated Credit UnionA+5.0 ★Texas Ratio: 2.38% Safari Savings Club at 4.00% APY.

Shady Dale is a smaller community with no bank or credit union branches currently in our database. 60 institutions serving the Georgia area are available to Shady Dale residents, with savings rates as high as 7.00% APY from Fsnb. Rates are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Shady Dale, Georgia and the surrounding area. Last Updated and Verified: April 11, 2026

Compare the Best Savings Rates in Shady Dale, Georgia & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Cents-able Savings
7.00%
$5
Rate7.00%
Min Deposit$5
Min Balance
UpdatedApr 11, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Accelerate It Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Qualifying balance up to $5,000.00

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

As high as

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Savings Account
4.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

FOR HOLDING A SAVINGS AND A CHECKING ACCOUNT*

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Ultra Savings Rate
4.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
ULTRA Savings
4.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
ULTRA SAVINGS RATE W/ CHECKING ACCOUNT
4.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

ELITE CHECKING + SAVINGS EARNS THE ULTRA SAVINGS RATE. The combination of both accounts (Fitness Elite Checking + Fitness Savings) earns the highest rate on your savings account. Meet _Elite qualifications_ + $5,000 min average balance in checking

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Savings W/Elite Chk
4.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Savings W/Checking Rate
4.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
SENIOR Savings
4.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
FITNESS SAVINGS ACCOUNT RATE
4.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Qualifications Required: 12,500 average daily step count (10,000 if 65+); EARN A HIGH RATE WHILE HOLDING ONLY A FITNESS SAVINGS ACCOUNT. Earn the highest rate offered on a Fitness Savings account when your average daily step count hits 12,500 (10,000 if 65+)

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Freedom Direct Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Direct Deposit to a new or existing Justice Federal Checking Account

Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Safari Savings Club
4.00%
$0
Rate3.94%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

($50 - $500) Q1

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Youth Savings
4.00%
$0
Rate3.94%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
High Yield Savings
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
High-Yield Savings
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

American Pride Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
High Savings Account
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Terms and Conditions Apply.

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
IRA Savings
3.82%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
U.S. Business Money Market Savings
3.60%
$0
Rate3.54%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
WooriWON Savings
3.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 29, 2026
Details

$5 monthly maintenance fee waived when average daily balance requirement is met; Optional internet banking access at no additional cost; Manage your savings effortlessly from your smartphone or computer, with 24/7 online access; Move funds smoothly between accounts and automate your savings goals for effortless financial growth; Online Only

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
Money Market Savings
3.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 11, 2026
Details

Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
High Earning Savings
3.15%
$0
Rate3.11%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Balances less than $25,000, with monthly net deposit(s) of $100+

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Shares
3.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Plan for a worry-free retirement with flexible options.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Earn & Learn Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Qualifying balance up to $2,500.00

PCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
Your major-milestones savings account
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
High Interest Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
SafeGuard Savings, Municipal
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
SafeGuard Savings, Consumer
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
College Savings Plan
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Savings W/Elite Chk
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Savings W/Checking Rate
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
WooriWON Savings
2.95%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 29, 2026
Details

$5 monthly maintenance fee waived when average daily balance requirement is met; Optional internet banking access at no additional cost; Manage your savings effortlessly from your smartphone or computer, with 24/7 online access; Move funds smoothly between accounts and automate your savings goals for effortless financial growth; Online Only

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
Money Market Savings
2.85%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 11, 2026
Details

PCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
Your major-milestones savings account
2.75%
$0
Rate2.71%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
SENIOR Savings
2.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Super Savings
2.75%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedApr 11, 2026
Details

$10,000.00 Minimum to open and minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00

Hanmi Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Simple Savings
2.70%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 27, 2026
Details

First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Share Savings Account
2.53%
$5
Rate2.50%
Min Deposit$5
Min Balance
UpdatedApr 9, 2026
Details

Qualifying balance up to $3,000.00

PCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
Your major-milestones savings account
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Apprentice Tuition Savings
2.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Super Savings
2.50%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedApr 11, 2026
Details

$10,000.00 Minimum to open and minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share Savings
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Summer Camp Savings Club
2.50%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedApr 9, 2026
Details

Qualifying balance up to $3,000.00

Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Regular, TRUST, & IRA MMAs
2.40%
$100,000
Rate2.37%
Min Deposit$100,000
Min Balance
UpdatedApr 6, 2026
Details

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
Money Market Savings
2.34%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 11, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Super Savings
2.25%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedApr 11, 2026
Details

$10,000.00 Minimum to open and minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00

Altamaha Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
Rewards Savings*
2.25%
$100
Rate2.25%
Min Deposit$100
Min Balance
UpdatedApr 3, 2026
Details

Altamaha Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
Rewards Savings
2.25%
$100
Rate2.25%
Min Deposit$100
Min Balance
UpdatedApr 3, 2026
Details

Hanmi Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Simple Savings
2.20%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 27, 2026
Details

Genuine Parts Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Savings
2.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Dividend for the fourth quarter 2024 (also see Latest News)

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Individual Retirement Accounts/Coverdell Educational Savings Accounts
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
IRA Shares (Roth, Traditional & Coverdell Educational)
2.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Share Accounts
2.00%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
High Yield Savings
2.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Rainy Day Savings
1.90%
$0
Rate1.88%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

On balances above $25,000 and up to $50,000

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
IRA Shares (Roth, Traditional & Coverdell Educational)
1.80%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
High Earning Savings
1.75%
$0
Rate1.74%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Balances $10,000 - $24,999.99

Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Share Accounts
1.50%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Rainy Day Savings
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

On balances up to $25,000

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.

Shady Dale, GA Savings Rate Trends

Compare local Shady Dale, 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.

View Full Georgia Savings Trends →
High-Yield Savings — GA Avg
3.062%
▼ 0.202 vs 7 days ago

Georgia high-yield savings rates fell 0.202 points over the past 7 days to 3.062% APY, down from 3.264%.

Standard Savings — GA Avg
0.591%
Unchanged vs 7 days ago

Georgia standard savings rates currently average 0.591% APY based on data from institutions in our monitoring network.

As of Apr 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Shady Dale, 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 Shady Dale, 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 Shady Dale, 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 Shady Dale, 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 Shady Dale, 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 Shady Dale, 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 Shady Dale, Georgia?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Shady Dale, Georgia offer in-person customer service, which some customers prefer.

How do I open a savings account in Shady Dale, 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 Shady Dale, Georgia

Here are recent savings rates observed in Shady Dale, Georgia and the surrounding area:
  • Fsnb
    Cents-able Savings — 7.00% APY
  • Together Credit Union
    Accelerate It Savings — 5.00% APY
  • Fitness Bank
    Savings Account — 4.50% APY
  • Justice Federal Credit Union
    Freedom Direct Savings — 4.00% APY
  • Associated Credit Union
    Safari Savings Club — 4.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Shady Dale, Georgia. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 11, 2026