Credit union · NCUA insured
CGR Credit Union CD Rates
CGR Credit Union’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How CGR Credit Union’s CD rates compare
Compared with banks and credit unions near Macon, GA, where CGR Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CGR Credit Union
3.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $350
Share Certificate
Top rate
BCU
4.30%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $540
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
CGR Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.50%
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 CGR Credit Union 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
Up to 3.50%APY · 7 terms
Fixed dividend/interest for the term of the certificate. Interest compounded and paid monthly. A penalty is imposed for early withdrawal. Fees could reduce earnings. If closed before interest is paid, accrued interest will not be received.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.30% | $164 |
| 12 months | 3.50% | $350 |
| 18 months | 3.00% | $453 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Special-purpose accounts
Kid's Club Savings Certificate
0.35%APY · 1 term
Early withdrawal penalties may apply. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.35% | $35 |
Who can join CGR Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Bibb, Baldwin, Houston, Jones, Monroe, Peach, or Putnam Counties in Georgia are eligible for membership.
Employers and groups
- Employees of designated Bibb Select Employee Groups (SEGs) are eligible for membership.
- Employees of Georgia Power are eligible for membership.
- Anyone working in healthcare is eligible for membership.
- Employees of Tift Regional Medical Center (including Cook Medical Center) and its associated businesses are eligible for membership.
Military, government and schools
- Employees of the Department of Corrections and some local governments are eligible for membership.
2 more ways to join
Military, government and schools
- Employees of the Department of Corrections and the Department of Veterans Services in Hancock and Washington Counties are eligible for membership.
Family and household
- Family members (by blood, adoption, or marriage), household members of eligible persons/members, and surviving spouses of deceased members are eligible to join.
Membership information collected October 4, 2026.