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 1–15 results in Athens, GA metro
- 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
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 - Southern Energy Credit UnionCertificates of Deposit (CDs)CD · 13 months · $500 min
Credit union · 1 branch
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 - 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
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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 - 3.80%APY$252 over 8 months on $10,000with conditions
Requirements
Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.
Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.
Qualified rate · Compounded daily · Effective Sep 24, 2026
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More details - 3.75%APY$217 over 7 months on $10,000
3.69% interest rate · Effective Oct 15, 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 - Peach State Federal Credit UnionTerm Share Certificate (or CD)CD · 12 months · $1,000 min
Credit union · 2 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 · 2 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 - 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 - 3.30%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
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 Athens, GA metro
172 CDs at 12 banks and credit unions · checked Oct 16–22
- Typical
- 1.15%
- Top 10% from
- 3.84%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.35%
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Find your bank or credit union to see all its rates and how they compare near you.
Athens, GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Peach State Federal Credit UnionCredit union · 2 branches
- MyGeorgia Credit UnionCredit union · 1 branch
- American Pride BankBank · 1 branch