Compare Bank & Credit Union Rates
Best savings rates in Valdosta, GA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Valdosta, GA
- First Commerce Credit UnionMomentum Money MarketMomentum Money Market · $2,500 min · 0.75%–4.00% by balance
Credit union · 3 branches
3.00%APY$300 a year on $10,000Requirements
Product: Minimum opening deposit $2,500. No monthly maintenance fee. Dividends are compounded monthly and credited monthly using a blended rate across balance tiers. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA.
Offer: Blended rate tier on balances between $0.01 and $9,999.99; earn up to 4.00% APY on balances under $10,000.
3.93% interest rate · Compounded monthly · No monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Momentum Money Market Balance APY Up to $10,000 4.00% $10,000 – $25,000Your amount 3.00% $25,000 – $500,000 2.00% $500,000 and upBlended rate tier on balances $250,000 or more. 0.75% Rate checked
More details - Southeastern Credit UnionPerformance Money MarketPerformance Money Market · $1,000 min · 1.76%–3.03% by balance
Credit union · 3 branches
1.76%APY$176 a year on $10,000Requirements
Product: Avoid the minimum balance fee by maintaining a $1,000 daily minimum balance.
1.75% interest rate · Effective Jun 26, 2025
Rate by balance
Rate by balance for Performance Money Market Balance APY $1,000 – $25,000Your amount 1.76% $25,001 – $50,000 2.02% $50,001 – $100,000 2.27% $100,001 – $250,000 2.52% Over $250,000 3.03% Rate checked
More details - 1.50%APY$150 a year on $10,000with conditions
Requirements
Product: Link to Southeastern Checking (Southeastern Cash or Cash Back). No minimum balance to earn rewards. No monthly maintenance fees.
Offer: Earned when qualifications on linked Southeastern Cash or Southeastern Cash Back account are met during a Monthly Qualification Cycle. No monthly maintenance fees. Minimum opening deposit $100 on rate sheet.
Qualified rate · 1.49% interest rate · No monthly fee · Effective Jun 26, 2025
Rate checked
More details - Valdosta Teachers' FCUMoney MarketMoney Market · $1,000 min · 0.35%–0.75% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Dividends are compounded monthly and credited monthly using the Average Daily Balance method. A minimum average daily balance of $1,000 is required to earn APY and to avoid fees.
Offer: Dividends compounded and credited monthly using Average Daily Balance Method. Minimum average daily balance of $1,000 required to obtain APY and avoid fees.
0.35% interest rate · Compounded monthly · Effective Mar 26, 2024
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $2,500 0.35% $2,500 – $10,000 0.55% $10,000 – $25,000Your amount 0.65% $25,000 and up 0.75% Rate checked
More details - First Commerce Credit UnionMoney MarketMoney Market · $2,500 min · 0.15%–1.15% by balance
Credit union · 3 branches
0.40%APY$40 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit $2,500. A $10 monthly fee is assessed on balances below $2,500 (no fees on average daily balances of $2,500 or higher). Free check writing up to 3 per month. All dividends are posted quarterly.
Offer: Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.
Qualified rate · 0.15% interest rate · $10 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.15% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.55% $50,000 – $100,000 0.80% $100,000 – $250,000 1.05% $250,000 – $500,000 1.10% $500,000 and up 1.15% Rate checked
More details - First Commerce Credit UnionMoney MarketMoney Market · $2,500 min · 0.10%–1.10% by balance
Credit union · 3 branches
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit $2,500. A $10 monthly fee is assessed on balances below $2,500 (no fees on average daily balances of $2,500 or higher). Free check writing up to 3 per month. All dividends are posted quarterly.
Offer: Standard rate. Fee waived on average daily balances of $2,500 or higher.
Qualified rate · 0.10% interest rate · $10 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.50% $50,000 – $100,000 0.75% $100,000 – $250,000 1.00% $250,000 – $500,000 1.05% $500,000 and up 1.10% Rate checked
More details - LOCOGA Federal Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 0.30%–0.50% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Two free withdrawals per month allowed. Calculation uses Average Daily Balance. Accrued dividends are forfeited if the account is closed before dividends are paid. Stated compounding frequency is monthly in the rate schedule and quarterly on the product page.
0.30% interest rate · Effective Aug 1, 2024
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,500 – $10,000 0.30% $10,000 – $25,000Your amount 0.35% $25,000 – $49,999 0.40% $50,000 and up 0.50% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Set money aside to reach a specific goal. No minimum balance fees. No minimum deposit to open.
Offer: Competitive dividends on average daily balance of $100 or more. Shares rate schedule with Share Savings. No minimum balance fees. No minimum deposit to open.
0.35% interest rate · No monthly fee · Effective Jun 26, 2025
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Establishes membership with Southeastern Credit Union. Minimum balance fee avoided by maintaining a $150 minimum balance, or waived with another share or loan with SCU. $25 minimum deposit to open.
Offer: Rate applies to balances over $100 (average daily balance of $100 or more). Avoid minimum balance fee by maintaining a $150 minimum balance (waived with another share or loan with SCU). Opening deposit $25.
0.35% interest rate · Effective Jun 26, 2025
Rate checked
More details - Georgia Power Valdosta FCUMoney Market AccountMoney Market Account · $2,500 min · 0.30%–0.40% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Minimum deposit of $2,500.00 to open. A minimum average daily balance of $2,500.00 is required to obtain APY and avoid fees. Dividends are compounded and credited monthly based on average daily balance.
Offer: Dividends compounded and credited monthly. Average daily balance tier $2,500 - 9,999.99.
0.30% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.30% $10,000 – $25,000Your amount 0.35% $25,000 and up 0.40% Rate checked
More details - Guardian BankPersonal Money Market AccountPersonal Money Market Account · 0.10%–0.40% by balance
Bank · 3 branches
0.15%APY$15 a year on $10,000Requirements
Product: Compounded and paid monthly. No service charge when daily balance exceeds $500 ($5 monthly balance fee if balance dips below $500 any day in statement cycle). $5 fee for every debit in excess of 6 per monthly statement cycle. Rates are variable and set when opened online.
Offer: Rate applies to balances under $1,000. Account opened online.
$5 monthly fee · Effective May 27, 2026
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $1,000 0.10% $1,000 – $24,999Your amount 0.15% $25,000 – $99,999 0.25% $100,000 – $249,999 0.30% $250,000 and up 0.40% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: No service charge for customers under 18. Minimum daily balance of $250 to avoid a $5 quarterly balance fee. Rate is compounded and paid quarterly.
Offer: All deposits. Accounts opened online.
Effective May 27, 2026
Rate checked
More details - Farmers and Merchants BankMarket Rate SavingsSavings · $100 min · 0.03%–0.05% by balance
Bank · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: Variable interest rate; interest accrues daily and is compounded and credited quarterly. Accrued interest is forfeit if closed prior to crediting. $10 minimum balance fee per quarter if average daily balance falls below $500. $3 per check/withdrawal fee for withdrawals exceeding three per quarter if balance falls below $1,000 any day of the quarter. $5 paper statement fee unless enrolled in eStatements.
Offer: Tier 1 balance $0.01 - $9,999.99.
0.03% interest rate
Rate by balance
Rate by balance for Market Rate Savings Balance APY Up to $10,000 0.03% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.05% $100,000 and up 0.05% Rate checked
More details - Farmers and Merchants BankMarket Rate Money MarketMarket Rate Money Market · $100 min · 0.03%–0.05% by balance
Bank · 2 branches
0.05%APY$5 a year on $10,000Requirements
Offer: Interest is compounded and credited monthly on the monthly statement cycle date.
0.03% interest rate
Rate by balance
Rate by balance for Market Rate Money Market Balance APY Up to $10,000 0.03% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.05% $100,000 and up 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Link to Southeastern Checking (Southeastern Cash or Cash Back). No minimum balance to earn rewards. No monthly maintenance fees.
Offer: Earned when qualifications on linked Southeastern Cash or Southeastern Cash Back account are not met during a Monthly Qualification Cycle.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Jun 26, 2025
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 savings accounts pay in Valdosta, GA
19 accounts at 9 banks and credit unions · checked Oct 15–22
- Typical
- 0.35%
- Top 10% from
- 1.55%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.35%
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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