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 16–30 results in Atlanta, GA
- 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$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 · 2 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 - Southern Energy Credit UnionCertificates of Deposit (CDs)CD · 13 months · $500 min
Credit union · 3 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 · 1 branch
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 - 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 - Georgia United Credit UnionCertificates of Deposit SpecialCD · 27 months · $1,000 min
Credit union · 1 branch
4.00%APY$923 over 27 months on $10,000intro rateRequirements
Product: Limited-time offer. Fixed rate for the term of the promotion. Funds cannot currently be in a Georgia United account. Membership and eligibility requirements apply, requiring a $5 one-time nonrefundable membership fee and a minimum initial deposit of $5. Terms expire at renewal and roll over to the closest similar term available at prevailing dividend rate.
Offer: Limited-time offer. Funds cannot currently be in a Georgia United account. Rolls over to the closest similar term at maturity.
Promotional rate · 3.92% interest rate
Rate checked
More details - Excel Federal Credit UnionExcel Smart Money Share CertificateCD · 30 months · $500 min
Credit union · 1 branch
4.00%APY$1,030 over 30 months on $10,000intro rateRequirements
Product: Early withdrawal penalty fees will be imposed and can reduce earnings on accounts. Deposits NCUA insured to $250,000. Limited time promotional rate for a 30-month term and may expire at any time.
Offer: Limited time promotional rate of 4.00% APY for a 30-month term and may expire at any time. Minimum $500 balance required.
Promotional rate · Effective Sep 1, 2026
Rate checked
More details - 3.95%APY$395 over 1 year on $10,000intro rate
Requirements
Product: Minimum opening deposit is $1,000; maximum opening deposit is $250,000 per CD. Advertised promotional rates are for accounts opened online. Early withdrawal penalties apply. At maturity, CDs automatically renew into the standard CD term closest in length at the then-current standard rate unless instructions are provided during the 7-day grace period. No account fees.
Offer: Promotional rate for online accounts. Fixed for initial term. Automatically renews into standard rate closest in length at maturity.
Promotional rate · Effective Aug 10, 2026
Rate checked
More details - 3.85%APY$385 over 1 year on $10,000intro rate
Requirements
Product: Minimum balance to open is $200. Dividends compounded monthly.
Offer: Good Through October 28, 2026.
Promotional rate · 3.85% interest rate · Compounded monthly · Effective Oct 22, 2026
Rate checked
More details - 3.85%APY$385 over 1 year on $10,000
Requirements
Product: Minimum opening balance of $1,000 is required to earn dividends on all Certificates of Deposit ($500 for CU Succeed account holders). Early withdrawal penalties apply.
Offer: Term 12 Months. CU Succeed account holders can open with a minimum balance of $500.
3.78% interest rate · Effective Jan 12, 2026
Rate checked
More details - 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 · 1 branch
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
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
371 CDs at 30 banks and credit unions · checked Oct 16–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.48%
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