Compare Bank & Credit Union Rates
Best CD rates in Georgia
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 46–60 results in Georgia
- 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000with conditions
Requirements
Product: Rates available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit. Minimum deposit to open is $500. Early withdrawal penalty applies. Terms available from 3 months to 5 years. No setup or monthly service charges.
Offer: Available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit. Minimum to open is $500. Early withdrawal penalty applies.
Qualified rate · Effective Sep 21, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Minimum balance of $1,000.00 for all Certificates of Deposit. A penalty is imposed for early withdrawal.
Offer: Penalty is imposed for early withdrawal.
3.93% interest rate · Effective May 28, 2025
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: Terms between 1 month and 60 months. Minimum balance requirement is $500. Automatically renew at maturity of CD. No Maintenance Fees. Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. Can be used as collateral for a personal loan.
Offer: Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. CD terms of one (1) year or less credit interest at maturity.
Effective Oct 1, 2026
Rate checked
More details - SRP Federal Credit Union7-Month Share CertificateCD · 7 months · $500 min · 4.00%–4.25% by balance
Credit union · 8 branches
4.00%APY$231 over 7 months on $10,000Requirements
Product: Membership required. Early withdrawal penalty equals 90 days of interest.
Offer: Deposits between $500 and $24,999.99 or amounts over $25,000 that are not considered new money. Early withdrawal penalty equals 90 days of interest.
Effective Oct 1, 2026
Rate by balance
Rate by balance for 7-Month Share Certificate Balance APY $500 – $25,000Your amount 4.00% $25,000 and upIncludes a 0.25% pricing bump for members who deposit $25,000 or more of new money not previously on deposit at SRP. 4.25% Rate checked
More details - SRP Federal Credit UnionTerm Share CertificateCD · 7 months · $500 min · 4.00%–4.25% by balance
Credit union · 8 branches
4.00%APY$231 over 7 months on $10,000Requirements
Product: Membership required. Early withdrawal penalty equals 90 days of interest. Dividends credited monthly.
Offer: Promotional offer. Dividends credited monthly. Early withdrawal penalty equals 90 days of interest.
3.93% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY Any balanceYour amount 4.00% $25,000 and upRequires $25,000 or more of new money not already on deposit at SRP Federal Credit Union. 4.25% 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 - Delta Community Credit UnionCertificate of Deposit AccountsCD · 12 months · $1,000 min
Credit union · 30 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Rates subject to change. Rates are effective as of the first day of the current month. Minimum opening deposit and minimum balance is $1,000.00. Early withdrawal penalties apply. Fees could reduce earnings on the account. No monthly charge or fee for maintaining a CD.
Offer: Early withdrawal penalty is 90 days of interest.
3.92% interest rate
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Fixed rate for the entire term. Additional deposits not allowed. Early withdrawal penalty may apply (calculated as forfeiture of part of the interest earned on the amount withdrawn and will not reduce principal). Automatically renews for the same or next shorter term upon maturity with a 5 business day grace period.
3.92% interest rate · Effective Jul 1, 2025
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000with conditions
Requirements
Product: Limited-time offer celebrating first anniversary at Suwanee Branch in Georgia only. Open account in-person at Suwanee Branch. Must have a qualifying checking account with PCB Bank and open with new money only. Account automatically renews for the same term at maturity. Early withdrawal penalty equal to 2 months' interest.
Offer: Offer good for the initial term only. Interest will not be compounded, credited at maturity. Minimum deposit of $10,000 in new money and qualifying checking account required.
Qualified rate · 4.00% interest rate · Effective Jun 18, 2026
Rate checked
More details - Southern Energy Credit UnionCertificates of Deposit (CDs)CD · 13 months · $500 min
Credit union · 7 branches
4.00%APY$434 over 13 months on $10,000Requirements
Product: Available to qualifying members. Minimum $500 deposit required to open a CD. Rates subject to change without notice. Interest is computed and compounded daily and posted quarterly and at maturity. At maturity, CD will automatically renew for another term at the then available APY. There is a penalty for early withdrawal. Grace period of 5 business days to withdraw a certificate after the automatic renewal date.
Compounded daily
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 United Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · 14 branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Earn more than traditional savings with no monthly maintenance fees. Membership and eligibility requirements apply, requiring a $5 one-time nonrefundable membership fee and a minimum initial deposit of $5.
3.92% interest rate
Rate checked
More details - 4.00%APY$816 over 24 months on $10,000intro rate
Requirements
Product: Minimum balance to open is $200. Dividends compounded monthly.
Offer: Good Through October 28, 2026.
Promotional rate · 3.94% interest rate · Compounded monthly · Effective Oct 22, 2026
Rate checked
More details - Associated Credit UnionCertificate of Deposit (CD)CD · 24 months · $200 min
Credit union · 15 branches
4.00%APY$816 over 24 months on $10,000intro rateRequirements
Product: Minimum balance to open is $200. Dividends compounded monthly.
Offer: Good Through October 28, 2026.
Promotional rate · 3.94% interest rate · Compounded monthly · Effective Oct 22, 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 Georgia
910 CDs at 101 banks and credit unions · checked Oct 15–22
- Typical
- 3.09%
- Top 10% from
- 4.05%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.30%
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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