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 31–45 results in Atlanta, GA metro
- 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 - Northside Federal Credit UnionShare CertificatesCD · 30 months · $1,000 min
Credit union · 2 branches
4.05%APY$1,043 over 30 months on $10,000Effective Oct 1, 2026
Rate checked
More details - VyStar Credit UnionPersonal CDCD · 30 months · $500 min · 4.05%–4.15% by balance
Credit union · 5 branches
4.05%APY$1,043 over 30 months on $10,000Requirements
Product: Dividends are compounded monthly and credited monthly. Daily balance method is used. Penalty applies for early principal withdrawals.
3.97% interest rate · Compounded monthly · Effective Aug 17, 2026
Rate by balance
Rate by balance for Personal CD Balance APY Up to $50,000Your amount 4.05% $50,000 and up 4.15% Rate checked
More details - LGE Community Credit UnionBump Rate CertificateCD · 55 months · $1,000 min · 4.05%–4.16% by balance
Credit union · 16 branches
4.05%APY$1,996 over 55 months on $10,000Requirements
Product: Bump-rate CDs allow you to 'bump' your rate one time during the term of your certificate. IRAs are not eligible for Bump Rate Certificates. Bump Rate Certificates cannot be used as collateral on a Certificate Secured Loan. Dividends are compounded monthly on all deposit accounts, unless elected to transfer or withdraw dividends prior to compounding. Minimum opening deposit amount starts at $1,000.00.
Offer: Early withdrawal penalty: 450 Days Dividends. Allows rate bump one time during term.
3.97% interest rate · Compounded monthly · Effective Sep 25, 2026
Rate by balance
Rate by balance for Bump Rate Certificate Balance APY $1,000 and upYour amount 4.05% $100,000 and up 4.16% $250,000 and up 4.16% Rate checked
More details - 4.04%APY$824 over 24 months 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.
Promotional rate · Compounded daily
Rate checked
More details - 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 $10,000
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 - 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 · 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
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 · 5 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 · 10 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
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 Atlanta, GA metro
712 CDs at 70 banks and credit unions · checked Oct 15–22
- Typical
- 3.05%
- Top 10% from
- 4.00%
- Banks, typical
- 1.61%
- Credit unions, typical
- 3.30%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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