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 1–7 results in Waycross, GA metro
- 4.15%APY$629 over 18 months on $10,000
Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: Dividends may be paid quarterly or at maturity; compounded quarterly.
4.09% interest rate · Compounded quarterly · Effective Jun 26, 2025
Rate checked
More details - Community First Credit Union of FloridaCertificates of DepositCD · 13 months · $500 min · 4.05%–4.15% by balance
Credit union · 3 branches
4.05%APY$439 over 13 months on $10,000intro rateRequirements
Product: Effective 2026-10-13. Minimum balances: Standard $500 ($100 for Youth Advantage, $250 for 6-Month SaveUP CD); Jr. Jumbo $45,000; Jumbo $100,000; Jumbo Plus $250,000; Super Jumbo $500,000; Super Jumbo Plus $750,000; Super Jumbo Max $1,000,000. Compounding monthly. Early withdrawal penalties apply. Membership required.
Offer: 13 Month CD Standard tier.
Promotional rate · 3.97% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 and upYour amount 4.05% $45,000 and up13 Month CD Jr. Jumbo tier. 4.05% $100,000 and up13 Month CD Jumbo tier. 4.10% $250,000 and up13 Month CD Jumbo Plus tier. Special promotional rate. 4.15% $500,000 and up13 Month CD Super Jumbo tier. 4.15% $750,000 and up13 Month CD Super Jumbo Plus tier. 4.15% $1,000,000 and up13 Month CD Super Jumbo Max tier. 4.15% 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 - 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
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 - 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 - 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
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 Waycross, GA metro
29 CDs at 5 banks and credit unions · checked Oct 15–22
- Typical
- 3.50%
- Top 10% from
- 4.00%
- Banks, typical
- 3.65%
- Credit unions, typical
- 3.50%
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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