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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–29 results in Augusta, GA-SC metro
- 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 - Georgia's Own Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 2 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Penalty applies for early withdrawal. Fees may reduce earnings on an account.
Offer: Interest credited monthly or interest compounded quarterly.
3.70% interest rate · Compounded quarterly
Rate checked
More details - Peach State Federal Credit UnionTerm Share Certificate (or CD)CD · 12 months · $1,000 min
Credit union · 4 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Early withdrawal penalty: 30 days' dividends for terms 6 to 12 months, 90 days' dividends for terms above 12 months. Fixed dividend rate for the term after opening. Fees could reduce earnings.
3.69% interest rate · Effective Sep 28, 2026
Rate checked
More details - Peach State Federal Credit UnionFreedom Term Share Certificate (or CD)CD · 12 months · $2,500 min
Credit union · 4 branches
3.65%APY$365 over 1 year on $10,000Requirements
Product: Early withdrawal penalty applies: 30 days' dividends for terms of 6 to 12 months. After certificate is opened, dividend rate is fixed for the term.
3.59% interest rate · Effective Sep 28, 2026
Rate checked
More details - South Carolina State Credit UnionSCU CertificatesCD · 60–Unknown months · $500 min
Credit union · 1 branch
3.65%APYRequirements
Product: Minimum opening deposit is $500. Must maintain an average daily balance equal to or greater than the minimum opening deposit to earn the APY and avoid service charges. Dividends may be added to certificate balance, automatically transferred to another account, or mailed. Early withdrawal penalties apply.
Offer: Dividends are credited and compounded quarterly.
3.60% interest rate · Compounded quarterly · Effective Oct 19, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Interest is compounded quarterly. Penalty applies for any early partial withdrawal. Fees may reduce earnings on an account. Additional deposits are permitted until the account balance reaches the maximum balance of $25,000. One (1) penalty-free, full balance withdrawal is permitted per term resulting in the account being closed, but cannot be completed within the first six (6) days after account opening, initial/subsequent deposits, or partial withdrawal. Limit of one (1) open Flex CD account per Primary Owner. A 12-month waiting period applies for subsequent Flex CD account openings per Primary Owner starting on closure date. At maturity, renews into a 1-Year Flex CD.
Offer: Minimum opening deposit is $100 and cannot exceed $25,000. Maximum balance is $25,000.
3.45% interest rate · Compounded quarterly · Balance cap $25,000
Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Offer: Early withdrawal penalty applies. Dividends compound daily.
3.44% interest rate · Effective Oct 9, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% 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 - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 10 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.50%APY$277 over 22 months on $10,000
Requirements
Product: Bump rate certificate allows raising the interest rate to match a new, higher rate for the remainder of the term. Not available on IRAs. Penalty applies for early withdrawal. Fees may reduce earnings on an account.
Offer: Includes 1 rate bump.
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 Augusta, GA-SC metro
216 CDs at 17 banks and credit unions · checked Oct 6–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.50%
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Augusta, GA-SC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Peach State Federal Credit UnionCredit union · 4 branches
- PenFed Credit UnionCredit union · 2 branches
- Associated Credit UnionCredit union · 2 branches