Compare Bank & Credit Union Rates
Best CD rates in Valdosta, GA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–10 results in Valdosta, GA
- 4.15%APY$629 over 18 months on $10,000
Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: Dividends may be paid quarterly or at maturity; compounded quarterly.
4.09% interest rate · Compounded quarterly · Effective Jun 26, 2025
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 - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.08%APY$308 over 1 year on $10,000
Requirements
Product: Dividends Compounded at Maturity and Credited at Maturity. Additional Deposits Not Allowed. Withdrawals Allowed with Penalty. Not Automatic renewable. Fixed dividend rate for the term.
Offer: Not Automatic renewable. Dividends Credited and Compounded At Maturity.
3.08% interest rate · Effective Oct 14, 2026
Rate checked
More details - LOCOGA Federal Credit UnionShare Savings CertificatesCD · 24 months · $1,000 min
Credit union · 1 branch
1.75%APY$353 over 24 months on $10,000Requirements
Product: Fixed rates. Dividends compounded and credited quarterly. Penalty imposed for early withdrawal. If closed before dividends are paid, accrued dividends are forfeited. Fees could reduce earnings.
Offer: Fixed rate for term. Penalty for early withdrawal.
1.75% interest rate · Effective Aug 1, 2024
Rate checked
More details - Farmers and Merchants BankCertificates of Deposit (CDs)CD · 36 months · $1,000 min · 1.26%–2.78% by balance
Bank · 2 branches
1.26%APY$383 over 36 months on $10,000Requirements
Product: APY assumes interest is compounded and credited monthly and remains on deposit until maturity. Fixed rates. Early withdrawal penalty applies. Fees could reduce earnings.
1.25% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $100,000Your amount 1.26% $100,000 – $500,000 2.27% $500,000 and up 2.78% Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Terms from 30 days to 5 years available. Open an account with just $500. Penalty for early withdrawal. Rates accurate as of May 27, 2026.
Offer: Online account opening rate. A penalty will be imposed for early withdrawal. Fees could reduce earnings. Interest assumed to remain on deposit until maturity.
Effective May 27, 2026
Rate checked
More details - 0.75%APY$151 over 24 months on $10,000
Requirements
Offer: Dividends compounded and credited quarterly. Fixed dividend rate after opening. Penalty imposed for early withdrawal. Fees could reduce earnings. If account is closed before dividends are paid, accrued dividends are forfeited.
Effective Jan 1, 2023
Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
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
What CDs pay in Valdosta, GA
48 CDs at 8 banks and credit unions · checked Oct 4–22
- Typical
- 1.38%
- Top 10% from
- 3.75%
- Banks, typical
- 0.75%
- Credit unions, typical
- 2.61%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Georgia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Lanier Federal Credit UnionCredit union · 3 branches
- Peach State Federal Credit UnionCredit union · 25 branches
- PenFed Credit UnionCredit union · 2 branches