Georgia CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Georgia CD rates include P&S Credit UnionP&S Credit Union1845 Satellite Blvd, Duluth, GA 30097A+5.0 ★Texas Ratio: 0.13%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Certificate-STUDENT Accounts Share / IRA Certificate of Deposit at 5.00% APY, Autotruck Financial Credit UnionAutotruck Financial Credit Union2900 Westside Pkwy, Alpharetta, GA 30004A+5.0 ★Texas Ratio: 3.18%Real return: +1.26%APY minus CPI (February 2026) offering Share Certificate Accounts 6 Month at 4.06% APY, Tennessee Valley Federal Credit UnionTennessee Valley Federal Credit Union200 Alamar St, Fort Oglethorpe, GA 30742A+5.0 ★Texas Ratio: 3.89%Real return: +1.20%APY minus CPI (February 2026) offering 12 Months at 4.00% APY, Justice Federal Credit UnionJustice Federal Credit Union959 E Confederate Ave SE, Atlanta, GA 30316A5.0 ★Texas Ratio: 8.56%Real return: +1.20%APY minus CPI (February 2026) offering Traditional IRA and Roth IRA Certificate 36 month at 4.00% APY, and Family First Credit UnionFamily First Credit Union3604 Atlanta Ave, Hapeville, GA 30354A5.0 ★Texas Ratio: 9.96%Real return: +1.20%APY minus CPI (February 2026) offering IRA Certificate of Deposit 6 Month at 4.00% APY. CD rates as of May 31, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Georgia side-by-side. Georgia CD rates currently reach as high as 5.00% APY from P&S Credit Union at 1845 Satellite Blvd, Duluth, GA 30097. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 31, 2026
Compare Best CD Rates in Georgia
Georgia 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 3 Month Certificate
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
90-day cd
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 90 days2
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.82%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 3 months
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
3-Month
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
IRA Certificates 3-Month
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3205 Mitchell Blvd, Moody AFB, GA 31699
3 Month Share Certificates
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 3 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Special Certificate 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
300 Jackson St, Vidalia, GA 30474
3 Months
$5,000
0.75%
▼
Rate0.75%
Min Deposit$5,000
Min Balance—
UpdatedMay 29, 2026
Details
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 E Main St, Forsyth, GA 31029
Certificate of Deposits 90 days
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
3 Month CD
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
175 S Macon St, Jesup, GA 31545
Regular CD 90 Days
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Georgia 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 6 Month
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
3604 Atlanta Ave, Hapeville, GA 30354
IRA Certificate of Deposit 6 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
6 Month Share / IRA Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA 30742
Business Share Certificates 6 Months
$1,000
3.90%
▼
Rate3.86%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
6 Month Share One-Time Bump Certificates of Deposit
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal to Regular Certificate
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3205 Mitchell Blvd, Moody AFB, GA 31699
6 Month Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
5063 Alabama Hwy, Ringgold, GA 30736
6-month CDs
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates 6 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
$500 Minimum
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 6 Month Certificate
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
101 Felton Dr, Rockmart, GA 30153
180 Days* Share Certificates / IRA Certificates
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
OneSouth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4070 Forsyth Rd, Macon, GA 31210
6-Month Share Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
990 Highway 84 E, Cairo, GA 39828 2207
Share Certificate, IRA Certificate 6 Months
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
990 Highway 84 E, Cairo, GA 39828 2207
6-Month Share Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Georgias Own Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
5825 Windward Pkwy, Alpharetta, GA 30005 4182
6-Month CD
$500
3.62%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
Share Certificates/CDs 6 months
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
$500.00 and above; $500 is required to open the account and a minimum balance of $500 is required to earn the stated annual percentage yield. An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
1025 Virginia Ave, Atlanta, GA 30354 1319
Certificate of Deposit Accounts 6 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
6 Month Share or IRA Certificate
$100,000
3.50%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Minimum Deposit of $100,000.00
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
6-Month Jumbo CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
6 Month CD
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
6 Month Safari Club CD
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
IRA Certificates 6-Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
6-Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 6 Month
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
6 Months
$500
3.22%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
6 Month Share or IRA Certificate
$1,000
3.20%
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional IRA and Roth IRA Certificate 6 month
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Special Certificate 6 month
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional and Roth IRA 6 month
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Artesian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
100 Flint Ave, Albany, GA 31701 2559
Share Certificate (Non-Compounding) Account* 6 Months
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
6-MONTH cD
$500
2.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 6 months2
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.82%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
6 Month Certificate of Deposit
$1,000
2.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.82%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 6 months
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
201 3rd Ave Bldg 38200, Fort Gordon, GA 30905
6 Month
$0
2.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA 30577 6023
IRA - 6 Months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA 30577 6023
Share - 6 Months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate (Traditional, Roth or Educational) 6 Months
$1,000
2.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate Plus (Traditional, Roth or Educational) 6 Months
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
601 W Oglethorpe Hwy, Hinesville, GA 31313
6 Month Share Certificates
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
6-month term Regular CDs
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Southern Pine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
5495 Clyattville Lake Park Rd, Valdosta, GA 31601 0871
6 Months Certificates of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
853 N Houston Rd, Warner Robins, GA 31093 1501
6 Month Share Certificate
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
5000 Research CT, Johns Creek, GA 30024
6 months
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
6 Month CD
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
300 Jackson St, Vidalia, GA 30474
6 Months
$5,000
0.75%
▼
Rate0.75%
Min Deposit$5,000
Min Balance—
UpdatedMay 29, 2026
Details
Georgia 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
12 Month Certificate-STUDENT Accounts Share / IRA Certificate of Deposit
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA 30742
12 Months
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA 30742
Business Share Certificates 12 Months
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 12 Month Certificate
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Millennium Club Account 1 Year Term
$1,000
4.00%
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
12 Month Share / IRA Certificate of Deposit
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
12 Month Share One-Time Bump Certificates of Deposit
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal to Regular Certificate
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 12 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
1025 Virginia Ave, Atlanta, GA 30354 1319
Certificate of Deposit Accounts 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
1025 Virginia Ave, Atlanta, GA 30354 1319
IRA CD 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
5000 Research CT, Johns Creek, GA 30024
12 MONTH SPECIAL
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
EFFECTIVE 10/03/2025
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
990 Highway 84 E, Cairo, GA 39828 2207
12-Month Share Certificates
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
990 Highway 84 E, Cairo, GA 39828 2207
Share Certificate, IRA Certificate 12 Months
$500
3.80%
▼
Rate3.74%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
OneSouth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4070 Forsyth Rd, Macon, GA 31210
12-Month Share Certificates
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
IRA Certificates 12-Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
12 Month Share or IRA Certificate
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Minimum Deposit of $100,000.00
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 12 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates 12 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
$500 Minimum
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 1 Year
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
Share Certificates/CDs 1 year
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
$500.00 and above; $500 is required to open the account and a minimum balance of $500 is required to earn the stated annual percentage yield. An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA 30310
1-year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA 30310
12 Months IRA Certificates
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
12-Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
12-Month Jumbo CD
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
3604 Atlanta Ave, Hapeville, GA 30354
IRA Certificate of Deposit 12 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Over $50,000
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
40 E Pike St, Lawrenceville, GA 30046 4934
1 Year Loyalty Term Share Certificate
$10,000
3.65%
▼
Rate3.59%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
1 Year
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
Tax Factor 1 Year CD
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
1 Year Trust CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
1 Year IRA CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
1 Year CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
3604 Atlanta Ave, Hapeville, GA 30354
IRA Certificate of Deposit 12 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold1) 12 Month Certificate of Deposit
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
601 W Oglethorpe Hwy, Hinesville, GA 31313
12 Month Share Certificates
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Coweta Cities & County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
43 Jefferson Pkwy, Newnan, GA 30263 5813
Regular Certificates 1 year
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA 30189 5531
12 mo. IRA CD
$500
3.51%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
12 Month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3205 Mitchell Blvd, Moody AFB, GA 31699
1 Year Share Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
1-Year Term Share Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
1-Year IRA Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 12 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA 30189 5531
12 mo. standard CD
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
12 Month Share or IRA Certificate
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
101 Felton Dr, Rockmart, GA 30153
12 Months* Share Certificates / IRA Certificates
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
12-Month Share Certificate
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.82%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
12 Month Certificate of Deposit
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.82%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 12 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Georgia 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA 30742
18 Months IRA Certificates
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA 30742
Business Share Certificates 18 Months
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
18 Month Share One-Time Bump Certificates of Deposit
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal to Regular Certificate
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
18 Month Share / IRA Certificate of Deposit
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA 30310
18 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
104 Town Blvd NE Ste A110, Brookhaven, GA 30319 3146
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
New money only; Alero Financial membership required
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
IRA Certificates 18-Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates 18 Months
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
$500 Minimum
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 18 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
18-Month
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
18-Month Jumbo CD
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
Certificates of Deposit (CDs) 18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 18 Month Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
18 Month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
101 Felton Dr, Rockmart, GA 30153
18 Months* Share Certificates / IRA Certificates
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold1) 18 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.82%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 18 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
18-Month Term Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
300 Jackson St, Vidalia, GA 30474
IRA 18 Months
$250
3.05%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 18 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
201 3rd Ave Bldg 38200, Fort Gordon, GA 30905
18 Month
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3205 Mitchell Blvd, Moody AFB, GA 31699
18 Month Share Certificates
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
853 N Houston Rd, Warner Robins, GA 31093 1501
18 Month Share Certificate
$500
2.35%
▼
Rate2.33%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
601 W Oglethorpe Hwy, Hinesville, GA 31313
18 Month Share Certificates
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
10300 Industrial Blvd Ne, Covington, GA 30014
18 Months Certificate of Deposit (CDs)
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Open Account: $500.00; Obtain APY: $500.00
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 E Main St, Forsyth, GA 31029
Certificate of Deposits 18 months
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
122 N Alexander St, Toccoa, GA 30577
18 months
$500
0.02%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Georgia 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
24 Month Share / IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
24 Month Share or IRA Certificate
$100,000
3.95%
▼
Rate3.89%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Minimum Deposit of $100,000.00
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
24 Month Share One-Time Bump Certificates of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal to Regular Certificate
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA 30310
24 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA 30742
Business Share Certificates 24 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA 30742
Term - 24 Months*
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
101 Felton Dr, Rockmart, GA 30153
24 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
990 Highway 84 E, Cairo, GA 39828 2207
Share Certificate, IRA Certificate 24 Months
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 24 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates 24 Months
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
$500 Minimum
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 2 Year
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1575 Northside Dr Nw, Atlanta, GA 30318
2 Year
$0
3.57%
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
3-Step Share Certificates 24 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
24 Month CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
2 Year
$1,000
3.49%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
3604 Atlanta Ave, Hapeville, GA 30354
IRA Certificate of Deposit 2 Year
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Over $50,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Special Certificate 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional and Roth IRA 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
1025 Virginia Ave, Atlanta, GA 30354 1319
IRA CD 24 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
1025 Virginia Ave, Atlanta, GA 30354 1319
Certificate of Deposit Accounts 24 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
24 Month Share or IRA Certificate
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
IRA Certificates 24-Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold1) 24 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1575 Northside Dr Nw, Atlanta, GA 30318
2 Year
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 2 Year Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
2 Year Trust CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
2 Year IRA CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
2 Year CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
3604 Atlanta Ave, Hapeville, GA 30354
IRA Certificate of Deposit 2 Year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
40 E Pike St, Lawrenceville, GA 30046 4934
2 Years Loyalty Term Share Certificate
$10,000
3.25%
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA 30189 5531
24 mo. IRA CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
24-Month Jumbo CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
24-Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
Certificates of Deposit (CDs) 24 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA 30189 5531
24 mo. standard CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
Share Certificates/CDs 2 years
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
$500.00 and above; $500 is required to open the account and a minimum balance of $500 is required to earn the stated annual percentage yield. An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
2-Year Term Share Certificate
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
2-Year IRA Certificate
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA 30577 6023
Share - 24 Months
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA 30577 6023
IRA - 24 Months
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.82%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 24 months
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
300 Jackson St, Vidalia, GA 30474
2 Years
$2,500
3.05%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 29, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 24 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
705 W Cherry St, Jesup, GA 31545
24 Month Share/IRA Certificates
$100,000
3.00%
▼
Rate2.97%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Georgia 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
36 Month Share / IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
36 Month Share One-Time Bump Certificates of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal to Regular Certificate
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA 30310
3-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA 30310
36 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
101 Felton Dr, Rockmart, GA 30153
36 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1575 Northside Dr Nw, Atlanta, GA 30318
3 Year
$0
3.57%
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
990 Highway 84 E, Cairo, GA 39828 2207
Share Certificate, IRA Certificate 36 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 3 Year
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 36 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates 36 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
$500 Minimum
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
36-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 36-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
3 Year
$1,000
3.44%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold1) 36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1575 Northside Dr Nw, Atlanta, GA 30318
3 Year
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
5000 Research CT, Johns Creek, GA 30024
36 MONTH SPECIAL
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
EFFECTIVE 10/03/2025
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA 30189 5531
36 mo. IRA CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA 30189 5531
36 mo. standard CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
40 E Pike St, Lawrenceville, GA 30046 4934
3 Years Loyalty Term Share Certificate
$10,000
3.20%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
3 Year CD
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
Share Certificates/CDs 3 years
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
$500.00 and above; $500 is required to open the account and a minimum balance of $500 is required to earn the stated annual percentage yield. An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
3 Year IRA CD
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA 30577 6023
IRA - 36 Months
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
North Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
695 Big A Rd, Toccoa, GA 30577 6023
Share - 36 Months
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold1) 36 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
36 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
36 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate (Traditional, Roth or Educational) 36 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
1025 Virginia Ave, Atlanta, GA 30354 1319
IRA CD 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
1025 Virginia Ave, Atlanta, GA 30354 1319
Certificate of Deposit Accounts 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate Plus (Traditional, Roth or Educational) 36 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
Certificates of Deposit (CDs) 36 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
3-Year Term Share Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
3-Year IRA Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.82%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 36 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
IRA Certificates 36-Month
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
36-Month
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
36-Month Jumbo CD
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
601 W Oglethorpe Hwy, Hinesville, GA 31313
36 Month Share Certificates
$500
2.94%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
201 3rd Ave Bldg 38200, Fort Gordon, GA 30905
3 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
300 Jackson St, Vidalia, GA 30474
3 Years
$2,500
2.79%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Georgia 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
48 Month Share One-Time Bump Certificates of Deposit
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal to Regular Certificate
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
48 Month Share / IRA Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA 30310
48 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
101 Felton Dr, Rockmart, GA 30153
48 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1575 Northside Dr Nw, Atlanta, GA 30318
4 Year
$0
3.57%
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 48 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
990 Highway 84 E, Cairo, GA 39828 2207
Share Certificate, IRA Certificate 48 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 48 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates 48 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
$500 Minimum
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA 30189 5531
48 mo. IRA CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA 30189 5531
48 mo. standard CD
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
40 E Pike St, Lawrenceville, GA 30046 4934
4 Years Loyalty Term Share Certificate
$10,000
3.30%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold1) 48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1575 Northside Dr Nw, Atlanta, GA 30318
4 Year
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
Certificates of Deposit (CDs) 48 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.82%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 48 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional IRA and Roth IRA Certificate 48 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 4 Year
$100,000
3.19%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
4 Year CD
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
4 Year IRA CD
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
Share Certificates/CDs 4 years
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
$500.00 and above; $500 is required to open the account and a minimum balance of $500 is required to earn the stated annual percentage yield. An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Special Certificate 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional and Roth IRA 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
4 Year
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
601 W Oglethorpe Hwy, Hinesville, GA 31313
48 Month Share Certificates
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
4-Year IRA Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
4-Year Term Share Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
201 3rd Ave Bldg 38200, Fort Gordon, GA 30905
4 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3205 Mitchell Blvd, Moody AFB, GA 31699
4 Year Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
705 W Cherry St, Jesup, GA 31545
48 Month Share/IRA Certificates
$100,000
2.75%
▼
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate (Traditional, Roth or Educational) 48 Months
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate Plus (Traditional, Roth or Educational) 48 Months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
IRA Certificates (CDs) 48-month term
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
705 W Cherry St, Jesup, GA 31545
48 Month Share/IRA Certificates
$1,000
2.60%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
48-Month Jumbo CD
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
853 N Houston Rd, Warner Robins, GA 31093 1501
4 Year Share Certificate
$500
2.55%
▼
Rate2.52%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
48-Month
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
43 N Main St, Statesboro, GA 30458
IRA Certificates 48-Month
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
300 Jackson St, Vidalia, GA 30474
4 Years
$2,500
2.53%
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 29, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
3350 Steve Reynolds Blvd, Duluth, GA 30096
Certificates of Deposit 4 Year Certificate
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3525 Piedmont Rd Ne, Atlanta, GA 30305
48 Month CD
$500
1.95%
▼
Rate1.93%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 E Main St, Forsyth, GA 31029
Certificate of Deposits 48 months
$0
1.77%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Georgia 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
60 Month Share One-Time Bump Certificates of Deposit
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal to Regular Certificate
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
1845 Satellite Blvd, Duluth, GA 30097
60 Month Share / IRA Certificate of Deposit
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Automatic Renewal
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
921 Ralph David Abernathy Blvd SW, Atlanta, GA 30310
60 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
101 Felton Dr, Rockmart, GA 30153
60 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1575 Northside Dr Nw, Atlanta, GA 30318
5 Year
$0
3.57%
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2900 Westside Pkwy, Alpharetta, GA 30004
Share Certificate Accounts 60 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates 60 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1085 W Lathrop Ave, Savannah, GA 31415
Share Certificates 60 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
$500 Minimum
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
60-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
5800 Windward Pkwy, Alpharetta, GA 30005
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
990 Highway 84 E, Cairo, GA 39828 2207
Share Certificate, IRA Certificate 60 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
JUMBO Regular & IRA Certificates 5 Year
$100,000
3.44%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
40 E Pike St, Lawrenceville, GA 30046 4934
5 Years Loyalty Term Share Certificate
$10,000
3.40%
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA 30189 5531
60 mo. IRA CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3340 Sugarloaf Pkwy, Lawrenceville, GA 30044 5478
5 Year
$1,000
3.34%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold1) 60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3048 Eagle Dr, Woodstock, GA 30189 5531
60 mo. standard CD
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Geovista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
601 W Oglethorpe Hwy, Hinesville, GA 31313
60 Month Share Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Craft Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1575 Northside Dr Nw, Atlanta, GA 30318
5 Year
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308
Certificates of Deposit (CDs) 60 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.82%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
Certificates of Deposit 60 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
5 Year CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
5 Year IRA CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
5 Year Trust CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional IRA and Roth IRA Certificate 60 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
5-Year Term Share Certificate
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
1025 Virginia Ave, Atlanta, GA 30354 1319
IRA CD 60 Month
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
1025 Virginia Ave, Atlanta, GA 30354 1319
Certificate of Deposit Accounts 60 Month
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA 30214
5-Year IRA Certificate
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
Member Merits (Gold1) 60 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
60 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Special Certificate 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
959 E Confederate Ave SE, Atlanta, GA 30316
Traditional and Roth IRA 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
100 Busch Dr NE, Cartersville, GA 30121 7217
60 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA 30742
Business Share Certificates 60 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
200 Alamar St, Fort Oglethorpe, GA 30742
Term - 60 Months*
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
2040 Ingleside Ave, Macon, GA 31204
Share Certificate 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
201 3rd Ave Bldg 38200, Fort Gordon, GA 30905
5 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
60-month term Regular CDs
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
505 Takeda Pkwy, Social Circle, GA 30025 4723
IRA Certificates (CDs) 60-month term
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate Plus (Traditional, Roth or Educational) 60 Months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
1237 Clairmont Rd, Decatur, GA 30030 1229
IRA Certificate (Traditional, Roth or Educational) 60 Months
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
705 W Cherry St, Jesup, GA 31545
60 Month Share/IRA Certificates
$100,000
2.75%
▼
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3205 Mitchell Blvd, Moody AFB, GA 31699
5 Year Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Interstate Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
705 W Cherry St, Jesup, GA 31545
60 Month Share/IRA Certificates
$1,000
2.60%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Robins Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
853 N Houston Rd, Warner Robins, GA 31093 1501
5 Year Share Certificate
$500
2.55%
▼
Rate2.52%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Georgia CD Rate Trends
Compare local Georgia CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — GA Avg
2.809%
▲ 0.002 vs 7 days ago
Georgia 12-month CD rates rose 0.002 points over the past 7 days to 2.809% APY.
6-Month CD — GA Avg
2.624%
Unchanged vs 7 days ago
Georgia 6-month CD rates currently average 2.624% APY based on data from institutions in our monitoring network.
As of Jun 3, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
GA CD Rate Forecast — Next 12 Months
Where are Georgia CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
GA 12-Month Avg APY
2.809%
6-Month Forecast
2.809%
Range: 2.61% – 2.96%
12-Month Forecast
2.559%
Range: 2.36% – 2.71%
Powered by
MonitorBankRates
What Your Savings Earn at GA CD Rates Today
Annual interest earnings at today’s Georgia average APYs. State average used where available; national average as fallback.
| CD Term | GA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.489% | $74.45 | $148.90 | $372.25 | $744.50 |
| 6-Month CD | 2.624% | $131.19 | $262.38 | $655.95 | $1,311.90 |
| 12-Month CD | 2.809% | $140.43 | $280.85 | $702.13 | $1,404.25 |
| 18-Month CD | 2.654% | $132.72 | $265.43 | $663.58 | $1,327.15 |
| 24-Month CD | 2.808% | $140.42 | $280.84 | $702.10 | $1,404.20 |
| 36-Month CD | 2.637% | $131.85 | $263.70 | $659.25 | $1,318.50 |
| 48-Month CD | 2.609% | $130.44 | $260.88 | $652.20 | $1,304.40 |
| 60-Month CD | 2.738% | $136.90 | $273.80 | $684.50 | $1,369.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 31, 2026. | |||||
Sample CD Ladder for Georgia Savers
$25,000 split equally across 5 terms using today’s Georgia average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | GA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.489% | $74.45 |
| 2 | 6-Month CD | $5,000 | 2.624% | $131.19 |
| 3 | 12-Month CD | $5,000 | 2.809% | $140.43 |
| 4 | 24-Month CD | $5,000 | 2.808% | $140.42 |
| 5 | 36-Month CD | $5,000 | 2.637% | $131.85 |
| Total ($25,000 invested) | $25,000 | 2.473% blended | $618.34/yr | |
Ladder example uses equal $5,000 rungs and Georgia average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
359
CD Rates
Tracked in Georgia
Tracked in Georgia
11 Banks
38 Credit Unions
About Our Georgia CD Rate Database
MonitorBankRates tracks 359 CD rates from 11 banks and 38 credit unions with locations in Georgia, plus national online institutions available to Georgia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: P&S Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Georgia.
How to Find the Best CD Rates in Georgia
What to compare when shopping for a CD in Georgia
To find the best APYs in Georgia, start with credit unions and online-only banks — Georgia has 38 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Georgia
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Georgia — 49 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Georgia savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Georgia money market rates
Georgia Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
15.0%
National avg: 17.3%
Median Individual Earnings
$43,815
National avg: $47,340
Poverty Rate
13.4%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$123/yr
At GA 12-mo avg 2.809% APY
15.0% of residents are 65 or older — below the national average of 17.3%. At today’s GA 12-month CD average of 2.809%, saving 10% of the local median salary ($4,381/year) and putting it in a CD would earn an additional $123 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Georgia
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Georgia
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Georgia typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Georgia as everywhere in the U.S.
Choosing a CD Term in Georgia
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Georgia savers easier access to their funds. For example, Autotruck Financial Credit Union is offering its Share Certificate Accounts 6 Month at 4.06% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, P&S Credit Union is offering its 60 Month Share One-Time Bump Certificates of Deposit at 4.10% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Georgia Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Georgia saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Georgia
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Georgia CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Georgia
Most CDs carry a fixed rate that is locked for the entire term, protecting a Georgia depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Georgia
Are CD rates in Georgia FDIC insured?
Yes, most established banks in Georgia are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Georgia?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Georgia.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Georgia may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Georgia?
Here are recent top rates found for this area:
- P&S Credit Union: 5.00% APY (12 Month Certificate-STUDENT Accounts Share / IRA Certificate of Deposit)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts 6 Month)
- Tennessee Valley Federal Credit Union: 4.00% APY (12 Months)
- Justice Federal Credit Union: 4.00% APY (Traditional IRA and Roth IRA Certificate 36 month)
- Family First Credit Union: 4.00% APY (IRA Certificate of Deposit 6 Month)
- New Millennium Bank: 4.00% APY (Certificates of Deposit 12 Month Certificate)
- Workmens Circle Incorporated Credit Union: 3.95% APY (24 Month Share or IRA Certificate)
- UNIFY Financial Federal Credit Union: 3.89% APY (IRA Certificate Term 18-Month Variable)
- Delta Community Credit Union: 3.85% APY (IRA CD 12 Month)
- Self-Help Credit Union: 3.82% APY (3-year Certificate)
Rates reflect recent verified offers available in Georgia. Last Updated: May 31, 2026
CD Calculators for Georgia
Georgia CD Calculator
At today’s GA top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Georgia CD LadderGA CD rates currently range from 1.489% (3-month) to 2.637% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Georgia CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsGeorgia’s average 12-month CD is 2.809% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Georgia CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Georgia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Georgia. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in GA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: May 31, 2026
Cities in Georgia
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