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 1–15 results in Georgia
- 4.59%APY$459 over 1 year on $10,000with conditions
Requirements
Product: Rate depends on certificate term, length of membership tenure, and having an active checking account. Early withdrawal penalty may apply. $1,000 minimum balance to open account.
Offer: Tenure 20+ Yrs; Active Checking: Yes
Qualified rate · 4.50% interest rate
Rate checked
More details - Tennessee Valley Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 8 branches
4.50%APY$450 over 1 year on $10,000Requirements
Product: Early withdrawals may incur penalties. No setup or maintenance fees.
Offer: A penalty applies for early withdrawal.
4.43% interest rate
Rate checked
More details - 4.39%APY$439 over 1 year on $10,000intro rate
Requirements
Offer: Special 12-Month Fixed Rate CD requires new money deposits. Automatically renews at the then-prevailing published 12-month standard rate and APY.
Promotional rate · 4.30% interest rate · Effective Oct 16, 2026
Rate checked
More details - Georgia Heritage Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 4 branches
4.35%APY$435 over 1 year on $10,000Requirements
Product: Minimum opening deposit of $500 is required. Dividends paid monthly. Automatic renewal.
Offer: 90 Days penalty may apply for early withdrawal and may reduce earnings.
4.27% interest rate
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
Offer: Penalty for early withdrawal.
4.22% interest rate
Rate checked
More details - COMTRUST Federal Credit UnionCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Credit union · 2 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Certificate requires $1,000 minimum to open and will automatically renew at the end of the term. Fees may reduce earnings on account. Rates subject to change without notice. Penalty for early withdrawal. Federally insured up to $250,000 by NCUA. Opening a CD online is available to existing members; new members can open an account online and add a certificate once membership is established.
Offer: Annual Percentage Yield is based on monthly compounding. Penalty for early withdrawal. Automatically renews at the end of the term.
4.17% interest rate
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Effective Jul 9, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Fixed Rate. $500.00 Minimum to open and obtain APY. Interest compounded daily, credited monthly. Penalties may apply to early withdrawals. 4 Month CD & 10 Month CD are not offered for a new account.
Offer: Fixed Rate. $500.00 Minimum to open and obtain APY. Penalties may apply to early withdrawals.
4.16% interest rate · Compounded daily · Effective Sep 28, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Maximum opening deposit is $1,000,000. Early withdrawal penalty may apply. 10-day grace period after maturity with automatic renewal.
Offer: Early withdrawal penalty may apply; $1,000,000 max opening deposit.
4.17% interest rate · Balance cap $1,000,000 · Effective Aug 3, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000
4.02% interest rate
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: Dividends compounded quarterly. The Annual Percentage Yield (APY) and interest rate assume that interest is to be added to the principal and remain in the account until the maturity of the certificate. An early withdrawal penalty of 2% of the principal balance or 1 year of interest, whichever is less, will apply if any funds are withdrawn from the certificate before the maturity date.
Offer: Dividends compounded quarterly. Early withdrawal penalty applies.
4.04% interest rate · Compounded quarterly · Effective Sep 21, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000intro rate
Requirements
Product: Interest rate guaranteed for entire term. Early withdrawal penalties may apply. Auto-renews at maturity.
Offer: Special promotional rate. Minimum balance to open and obtain APY is $1,000. Penalty for early withdrawal will reduce earnings.
Promotional rate · Effective Sep 24, 2026
Rate checked
More details - Glynn County Federal Employees Credit UnionShare Certificate AccountsCD · 12 months · $4,000 min
Credit union · 1 branch
4.08%APY$408 over 1 year on $10,000Requirements
Product: No maintenance fee. Certificates range from 3 to 24 months (with 36-month option on rate schedule).
Offer: 12 Months term. Minimum deposit of $4,000 with one-year maturity or more.
4.00% interest rate · Effective Jan 1, 2025
Rate checked
More details - 4.07%APY$407 over 1 year on $10,000with conditions
Requirements
Product: Rate depends on certificate term, length of membership tenure, and having an active checking account. Early withdrawal penalty may apply. $1,000 minimum balance to open account.
Offer: Tenure 15-19 Yrs; Active Checking: Yes
Qualified rate · 4.00% interest rate
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 26 branches
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% 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 1-year CDs pay in Georgia
128 CDs at 94 banks and credit unions · checked Oct 15–22
- Typical
- 3.50%
- Top 10% from
- 4.07%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.60%
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