Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Atlanta, GA metro
- 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
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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
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More details - 4.25%APY$425 over 1 year on $10,000
Effective Jul 9, 2026
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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
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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
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More details - 4.10%APY$410 over 1 year on $10,000
4.02% interest rate
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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
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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
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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
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More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 15 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 - 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
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More details - 4.00%APY$400 over 1 year on $10,000with conditions
Requirements
Product: Early withdrawal penalty fees will be imposed and can reduce earnings on accounts. Deposits NCUA insured to $250,000. Membership open to individuals who live, work, worship, or attend school in Forsyth, Fulton, Gwinnett, and Hall counties, and their immediate family members. Fixed rates compounded quarterly.
Offer: Payroll direct deposit is required for special promotional as-high-as rate. Minimum $500 balance to earn stated annual percentage yield.
Qualified rate · 3.94% interest rate · Compounded quarterly · Effective Oct 16, 2026
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More details - Delta Community Credit UnionCertificate of Deposit AccountsCD · 12 months · $1,000 min
Credit union · 29 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
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More details - 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: $500 minimum to open. Interest rate is fixed for term of CD. Interest is compounded daily. Penalty for early withdrawal. Terms include 6, 12, 18, 24, 36, 48 and 60 months.
Offer: To earn the advertised APY, a minimum balance of $500.00 is required. For a limited time. Substantial penalty for early withdrawal. Offer may be withdrawn at any time without notice.
Promotional rate · Compounded daily · Effective Sep 18, 2025
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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
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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 1-year CDs pay in Atlanta, GA metro
93 CDs at 64 banks and credit unions · checked Oct 15–22
- Typical
- 3.55%
- Top 10% from
- 4.04%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.65%
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Atlanta, GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Peach State Federal Credit UnionCredit union · 12 branches
- MembersFirst Credit UnionCredit union · 10 branches
- American Pride BankBank · 1 branch