Credit union · NCUA insured
Artesian City FCU CD Rates
Artesian City FCU’s best CD rate is 3.55% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Artesian City FCU’s CD rates compare
Compared with banks and credit unions near Albany, GA, where Artesian City FCU has the most branches. $10,000, best rate first.
This credit union’s best
Artesian City FCU
3.55%APY
- Term
- 6 months
- Minimum
- $1,500
- Earns on $10,000
- $176
Share Certificate (Non-Compounding) Account
Top rate
Navy Federal Credit Union
4.10%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $621
2nd-highest rate
Colony Bank
4.05%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $371
Artesian City FCU CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo2.52%
- 31–60 months31–60 mo1.00%
- QualifiedQualified3.55%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Artesian City FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate (Non-Compounding) Account
Up to 3.55%APY · 4 terms
Dividends Compounded Quarterly, Credited Quarterly. Penalty imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividend rate 3.50% | 3.55% | $176 |
| 9 monthsDividend rate 3.50% | 3.55% | $265 |
| 12 monthsDividend rate 3.00% | 3.03% | $303 |
| 24 monthsDividend rate 2.50% | 2.52% | $510 |
Sources (1)
- artesianfcu.org/savings/rates · captured Oct 22, 2026
Share Certificate (Compounding) Account
Up to 3.50%APY · 4 terms
Dividends Compounded Quarterly, Credited Quarterly. Penalty imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividend rate 3.50% | 3.50% | $173 |
| 9 monthsDividend rate 3.50% | 3.50% | $261 |
| 12 monthsDividend rate 3.00% | 3.00% | $300 |
| 24 monthsDividend rate 2.50% | 2.50% | $506 |
Sources (1)
- artesianfcu.org/savings/rates · captured Oct 22, 2026
Certificates
Up to 1.00%APY · 5 terms
Minimum balance $1,000.00. Early withdrawal from certificates will be subject to a 90 day dividend penalty. Maximum APR with Bump Up (.250% total).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMaximum APR with Bump Up (.250% total) is 0.400% | 0.15% | $7 |
| 12 monthsMaximum APR with Bump Up (.250% total) is 0.650% | 0.40% | $40 |
| 18 monthsMaximum APR with Bump Up (.250% total) is 0.650% | 0.40% | $60 |
| 24 monthsMaximum APR with Bump Up (.250% total) is 1.000% | 0.75% | $151 |
| 36 monthsMaximum APR with Bump Up (.250% total) is 1.250% | 1.00% | $303 |
Sources (1)
- artesianfcu.org/rates · captured Oct 22, 2026
Special-purpose accounts
IRAs
Up to 1.00%APY · 4 terms
No minimum balance. Maximum APR with Bump Up (.250% total).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMaximum APR with Bump Up (.250% total) is 0.650% | 0.40% | $40 |
| 18 monthsMaximum APR with Bump Up (.250% total) is 0.650% | 0.40% | $60 |
| 24 monthsMaximum APR with Bump Up (.250% total) is 1.000% | 0.75% | $151 |
| 36 monthsMaximum APR with Bump Up (.250% total) is 1.250% | 1.00% | $303 |
Sources (1)
- artesianfcu.org/rates · captured Oct 22, 2026
Who can join Artesian City FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Dougherty County, Georgia is eligible for membership.
- Individuals who live, worship, work, or go to school in Dougherty, Lee, or Worth County are eligible for membership.
Employers and groups
- Employees and associates of four participating Select Employee Groups are eligible for membership.
Family and household
- Membership privileges extend to family members of eligible employee group members.
Cost to join
- A minimum share/savings deposit of $5.00 is required to open an account and join.
Membership information collected October 4, 2026.