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 76–90 results in Georgia
- 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 - 3.75%APY$312 over 10 months on $10,000
Requirements
Product: Early withdrawal penalties may apply. Flexible dividend payment options. Minimum investment $1,000.
Offer: Promotional certificate rate also effective Sep 1, 2026.
3.68% interest rate · Effective Feb 2, 2026
Rate checked
More details - Georgia's Own Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 27 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 - 3.75%APY$375 over 1 year on $10,000intro rate
Requirements
Product: Fixed annual interest rate for the term of the CD. Early withdrawal may be subject to penalty. Offer not available to funds currently on deposit at Seacoast Bank. At maturity, CD will automatically renew for the same renewal term.
Offer: Special APY applicable to initial term only. Early withdrawal penalty equals the loss of simple interest for six months for maturity greater than one year.
Promotional rate · Effective Oct 3, 2026
Rate checked
More details - Peach State Federal Credit UnionTerm Share Certificate (or CD)CD · 12 months · $1,000 min
Credit union · 25 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 - On The Grid FinancialFixed Rate Share Certificate AccountCD · 12 months · $1,000 min
Credit union · 1 branch
3.75%APY$375 over 1 year on $10,000Requirements
Product: Dividends are compounded and credited quarterly. Stated terms range from six months to five years with no monthly fees. Federally insured by NCUA.
Offer: Dividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00.
3.69% interest rate · Effective Sep 16, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: $1000.00 minimum required to open Share or IRA Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Dividends will be compounded quarterly and will be credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.
3.70% interest rate · Compounded quarterly · Effective Aug 26, 2026
Rate checked
More details - Combined Employees Credit UnionShare Savings CertificatesCD · 36 months · $500 min
Credit union · 1 branch
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
3.70% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.75%APY$1,168 over 36 months on $10,000
Requirements
Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.
3.69% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.71%APY$371 over 1 year on $10,000
Requirements
Product: Dividends compounded monthly. Early withdrawal penalties apply.
Offer: Dividends compounded monthly. Early withdrawal penalty applies.
3.65% interest rate · Compounded monthly
Rate checked
More details - 3.71%APY$371 over 1 year on $10,000
Requirements
Product: Minimum opening balance of $500. Available in terms from 3 to 60 months. Dividends are compounded monthly. Early withdrawal penalties may apply.
Offer: Dividends compounded monthly. Early withdrawal penalty applies.
3.65% interest rate · Compounded monthly
Rate checked
More details - Addition Financial Credit UnionBump-up certificateCD · 39 months · $1,000 min
Credit union · 3 branches
3.71%APY$1,257 over 39 months on $10,000Requirements
Product: Includes an option that allows you to increase or 'bump up' the dividend rate and APY once during the term to the current rate in effect at that time for a 36-month certificate. Dividends credited and compounded monthly. No monthly maintenance fee. At maturity, automatically renews into a 36-month certificate at the prevailing rate with no bump-up option. Penalties may be imposed for early withdrawal.
Offer: Option to bump up dividend rate and APY once during the 39-month term to the current rate for a 36-month certificate. Renews into a 36-month certificate.
3.65% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Balance cap $100,000 · Effective Jul 1, 2026
Rate checked
More details - Peach State Federal Credit UnionFreedom Term Share Certificate (or CD)CD · 12 months · $2,500 min
Credit union · 25 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 - Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.60%APY$360 over 1 year on $10,000with conditionsRequirements
Product: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Qualified rate · 3.54% interest rate · Compounded monthly
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 Georgia
910 CDs at 101 banks and credit unions · checked Oct 15–22
- Typical
- 3.09%
- Top 10% from
- 4.05%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.30%
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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