Bank · FDIC insured
Vidalia Federal Savings Bank CD Rates
Vidalia Federal Savings Bank’s best CD rate is 3.30% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Vidalia Federal Savings Bank’s CD rates compare
Compared with banks and credit unions near Vidalia, GA, where Vidalia Federal Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Vidalia Federal Savings Bank
3.30%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $330
Certificates of Deposit
Vidalia Federal Savings Bank CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.05%
- 31–60 months31–60 mo2.79%
- QualifiedQualified3.30%
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 Vidalia Federal Savings Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.30%APY · 7 terms
Driver's license or picture ID showing current address for Toombs or surrounding counties required. Must pass credit and identity verification. Early withdrawal penalties apply. Fees may reduce earnings. 7-day grace period after maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest calculated daily. Early withdrawal penalty is 1 month | 0.75% | $19 |
| 6 monthsInterest calculated daily. Early withdrawal penalty is 1 month | 0.75% | $37 |
| 12 monthsInterest calculated daily. Early withdrawal penalty is 1 month | 3.30% | $330 |
| 24 monthsInterest calculated daily. Early withdrawal penalty is 3 months | 3.05% | $619 |
| 36 monthsInterest calculated daily. Early withdrawal penalty is 3 months | 2.79% | $861 |
| 48 monthsInterest calculated daily. Early withdrawal penalty is 3 months | 2.53% | $1,051 |
| 60 monthsInterest calculated daily. Early withdrawal penalty is 3 months | 2.53% | $1,331 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRAs
Up to 3.05%APY · 5 terms
Driver's license or picture ID showing current address for Toombs or surrounding counties required. Must pass credit and identity verification. Early withdrawal penalty may apply, but may be waived when account holder reaches 59.5 years of age. Fees may reduce earnings. 7-day grace period after maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate account; rates may change after account is opened. Interest calculated daily. Early withdrawal penalty is 3 months. Penalty may be waived when account holder reaches 59.5 years of age | 3.05% | $461 |
| 24 monthsFixed rate account. Interest calculated daily. Early withdrawal penalty is 3 months. Penalty may be waived when account holder reaches 59.5 years of age | 3.05% | $619 |
| 36 monthsFixed rate account. Interest calculated daily. Early withdrawal penalty is 3 months. Penalty may be waived when account holder reaches 59.5 years of age | 2.79% | $861 |
| 48 monthsFixed rate account. Interest calculated daily. Early withdrawal penalty is 3 months. Penalty may be waived when account holder reaches 59.5 years of age | 2.53% | $1,051 |
| 60 monthsFixed rate account. Interest calculated daily. Early withdrawal penalty is 3 months. Penalty may be waived when account holder reaches 59.5 years of age | 2.53% | $1,331 |
Sources (2)
All captured Sep 19, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.