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 91–105 results in Georgia
- 3.56%APY$356 over 1 year on $10,000
Requirements
Product: Dividends compounded and credited quarterly. Penalty imposed for early withdrawal. No setup or maintenance fees. Must maintain a minimum average daily balance of $500 to obtain disclosed APY.
3.50% interest rate · Effective Dec 23, 2025
Rate checked
More details - Artesian City FCUShare Certificate (Non-Compounding) AccountCD · 6 months · $1,500 min
Credit union · 2 branches
3.55%APY$176 over 6 months on $10,000Requirements
Product: Dividends Compounded Quarterly, Credited Quarterly. Penalty imposed for early withdrawal.
Offer: Dividend rate 3.50%
3.50% interest rate · Compounded quarterly · Effective Sep 14, 2022
Rate checked
More details - Artesian City FCUShare Certificate (Compounding) AccountCD · 6 months · $1,500 min
Credit union · 2 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Dividends Compounded Quarterly, Credited Quarterly. Penalty imposed for early withdrawal.
Offer: Dividend rate 3.50%
3.50% interest rate · Compounded quarterly · Effective Sep 14, 2022
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Minimum opening deposit is $500.00. 91-day and 182-day certificates are simple interest certificates with dividends credited at maturity and monthly respectively. Other terms have dividends compounded and credited quarterly. Term Share accounts are subject to credit union membership.
Offer: 1-Year term. Dividends compounded and credited quarterly. Minimum opening deposit $500.00.
Effective Oct 1, 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$350 over 1 year on $10,000
Requirements
Product: Fixed rate for 12 months with interest credited at maturity. Minimum opening deposit is $1,000.00 and additional deposits are not allowed. Early withdrawal penalty applies. Automatically renews at current maturity rates. Membership open to people who live or work in Banks, Clarke, Dawson, Habersham, Hall, Jackson, Lumpkin, Madison, Oconee, Oglethorpe, Rabun, and White counties in Northeast Georgia.
Offer: Interest credited at maturity. Additional deposits are not allowed. Early withdrawal penalty applies. Automatic renewal at maturity.
3.50% interest rate · Effective Jun 1, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed dividend/interest for the term of the certificate. Interest compounded and paid monthly. A penalty is imposed for early withdrawal. Fees could reduce earnings. If closed before interest is paid, accrued interest will not be received.
3.45% interest rate
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: Penalty may be imposed for early withdrawal.
3.44% interest rate · Effective Sep 22, 2025
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 - VyStar Credit Union18-Month Step-Up CertificateCD · 18 months · $500 min · 3.40%–3.50% by balance
Credit union · 8 branches
3.40%APY$514 over 18 months on $10,000intro rateRequirements
Product: Offers a one-time option during the 18-month term to adjust the dividend rate to the current published 18-month Step-up certificate dividend rate. Additional deposits allowed with minimum deposit of $2,000 or more.
Offer: One-time option to adjust rate during 18-month term; add-on deposits minimum $2,000.
Promotional rate · 3.34% interest rate · Effective Aug 17, 2026
Rate by balance
Rate by balance for 18-Month Step-Up Certificate Balance APY Up to $50,000Your amount 3.40% $50,000 and up 3.50% Rate checked
More details - 3.31%APY$501 over 18 months on $10,000with conditions
Requirements
Product: Rate includes a 0.10% (10 basis points) Justice National Account (JNA) or Beyond the Badge Checking Account relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. Accounts must be under the same Member Number. Relationship rate will be reduced to original dividend rate for remainder of term if checking account is closed. Penalty for early withdrawal: 90 days of dividends for terms of 12 months or less; 180 days of dividends for terms of 13 months or more.
Offer: Relationship rate includes 0.10% boost.
Qualified rate · 3.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.30%APY$191 over 7 months on $10,000with conditions
Requirements
Product: All funds including dividends may be withdrawn without penalty after the first 6 days following the funding date. Minimum deposit is $500.
Offer: Rewards APY requires two qualifying relationships.
Qualified rate · 3.25% interest rate
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 - 3.30%APY$330 over 1 year on $10,000
Requirements
Product: Driver's license or picture ID showing current address for Toombs or surrounding counties required. Must pass credit and identity verification. Early withdrawal penalties apply. Fees may reduce earnings. 7-day grace period after maturity date.
Offer: Interest calculated daily. Early withdrawal penalty is 1 month.
3.25% interest rate
Rate checked
More details - Credit Union of GeorgiaCertificates of Deposit (CDs)CD · 15 months · $500 min
Credit union · 7 branches
3.30%APY$414 over 15 months on $10,000
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
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