Compare Bank & Credit Union Rates
Best CD rates in Albany, GA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–10 results in Albany, GA
- Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.05%APY$371 over 11 months on $10,000intro rate
Requirements
Product: Interest can be paid monthly, quarterly, semi-annually, or annually, and can be automatically transferred to checking or savings. Penalty for early withdrawal. Terms from 90 days to 72 months available.
Offer: 11 Month CD Rate Special. At maturity, converts automatically to a 12 month regular CD at current rate. Penalty for early withdrawal.
Promotional rate · Effective Sep 29, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Promotional CDs can be opened and funded entirely online (or at a branch for select terms). Automatically renews at maturity. Can be used as collateral for a personal loan. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Will automatically renew at maturity of CD. Can be used as collateral for a personal loan. A penalty may be imposed for withdrawal before maturity. Visit a Branch to Open Today.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - Georgia's Own Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 2 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Penalty applies for early withdrawal. Fees may reduce earnings on an account.
Offer: Interest credited monthly or interest compounded quarterly.
3.70% interest rate · Compounded quarterly
Rate checked
More details - Artesian City FCUShare Certificate (Non-Compounding) AccountCD · 6 months · $1,500 min
Credit union · 1 branch
3.55%APY$176 over 6 months on $10,000Requirements
Product: Dividends Compounded Quarterly, Credited Quarterly. Penalty imposed for early withdrawal.
Offer: Dividend rate 3.50%
3.50% interest rate · Compounded quarterly · Effective Sep 14, 2022
Rate checked
More details - Artesian City FCUShare Certificate (Compounding) AccountCD · 6 months · $1,500 min
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Dividends Compounded Quarterly, Credited Quarterly. Penalty imposed for early withdrawal.
Offer: Dividend rate 3.50%
3.50% interest rate · Compounded quarterly · Effective Sep 14, 2022
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Interest is compounded quarterly. Penalty applies for any early partial withdrawal. Fees may reduce earnings on an account. Additional deposits are permitted until the account balance reaches the maximum balance of $25,000. One (1) penalty-free, full balance withdrawal is permitted per term resulting in the account being closed, but cannot be completed within the first six (6) days after account opening, initial/subsequent deposits, or partial withdrawal. Limit of one (1) open Flex CD account per Primary Owner. A 12-month waiting period applies for subsequent Flex CD account openings per Primary Owner starting on closure date. At maturity, renews into a 1-Year Flex CD.
Offer: Minimum opening deposit is $100 and cannot exceed $25,000. Maximum balance is $25,000.
3.45% interest rate · Compounded quarterly · Balance cap $25,000
Rate checked
More details - 1.50%APY$277 over 22 months on $10,000
Requirements
Product: Bump rate certificate allows raising the interest rate to match a new, higher rate for the remainder of the term. Not available on IRAs. Penalty applies for early withdrawal. Fees may reduce earnings on an account.
Offer: Includes 1 rate bump.
Rate checked
More details - 1.00%APY$303 over 36 months on $10,000
Requirements
Product: 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).
Offer: Maximum APR with Bump Up (.250% total) is 1.250%
1.00% interest rate · Effective May 22, 2020
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Albany, GA
40 CDs at 5 banks and credit unions · checked Oct 22
- Typical
- 3.50%
- Top 10% from
- 4.01%
- Banks, typical
- 3.73%
- Credit unions, typical
- 3.27%
Is your bank paying you enough?
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Albany, GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Navy Federal Credit UnionCredit union · 2 branches