CD Rates Hampton, Georgia (GA) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Hampton, Georgia CD rates include The Southern Credit UnionThe Southern Credit Union299 Woolsey Rd, Hampton, GA 30228A+5.0 ★Texas Ratio: 0.35%Real return: +0.70%APY minus CPI (February 2026) offering 1-Year IRA Certificate at 3.50% APY, P&S Credit UnionP&S Credit UnionA+5.0 ★Texas Ratio: 0.13%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Share / IRA Certificate of Deposit at 5.00% APY, Autotruck Financial Credit UnionAutotruck Financial Credit UnionA+5.0 ★Texas Ratio: 3.26%Real return: +1.26%APY minus CPI (February 2026) offering Share Certificate Accounts 6 Month at 4.06% APY, Excel Federal Credit UnionExcel Federal Credit UnionA+5.0 ★Texas Ratio: 3.67%Real return: +1.20%APY minus CPI (February 2026) offering Share Certificates/CDs 1 year at 4.00% APY, and Justice Federal Credit UnionJustice Federal Credit UnionA5.0 ★Texas Ratio: 9.17%Real return: +1.20%APY minus CPI (February 2026) offering 36 month Share Certificate at 4.00% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Hampton has 6 local institutions in our database, with CD rates as high as 3.50% APY from The Southern Credit Union at 299 Woolsey Rd, Hampton, GA 30228. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Georgia area. 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: April 12, 2026
Compare Best CD Rates in Hampton, Georgia & the Surrounding Area
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Online Only
$100,000 Minimum to Earn APY
Regular Accounts
Regular Accounts
Automatic Renewal
New money only.
($500.00 Minimum to open and obtain APY) (Fixed Rate)
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Minimum Deposit of $100,000.00
$100,000 Minimum to Earn APY
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 6 months2
STUDENT Accounts - Maximum $10,000 (Automatic Renewal)
$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.
Limited time offer. Only available in our branches.
($500.00 Minimum to open and obtain APY) (Fixed Rate)
$100,000 Minimum to Earn APY
Minimum Opening Deposit - $250.00; Dividends Credited - Quarterly; Dividend Period - Calendar Quarterly; Dividends Compounded - Quarterly; Additional Deposits - Allowed*; Withdrawals - Allowed with Penalty
Qualifying balance up to $49,000.00
Automatic Renewal to Regular Certificate
$100,000 Minimum to Earn APY
Automatic Renewal
Minimum Deposit of $100,000.00
$100,000 Minimum to Earn APY
Regular Accounts
Eligible for additional deposits throughout the certificate term; Maximum balance of $15,000; Limit one certificate per membership; Closing credit of $500 towards your mortgage closing with Kinetic
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 2 years2
$100,000 Minimum to Earn APY
Regular Accounts
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 3 years2
Automatic Renewal to Regular Certificate
$100,000 Minimum to Earn APY
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Automatic Renewal to Regular Certificate
$100,000 Minimum to Earn APY
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Hampton, GA CD Rate Trends
Compare local Hampton, GA 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.
Georgia 12-month CD rates fell 0.272 points over the past 7 days to 2.645% APY.
Georgia 6-month CD rates fell 0.909 points over the past 7 days to 2.172% APY.
GA CD Rate Forecast — Next 12 Months
Where are Georgia CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 0.722% | $36.10 | $72.20 | $180.50 | $361.00 |
| 6-Month CD | 2.172% | $108.60 | $217.20 | $543.00 | $1,086.00 |
| 12-Month CD | 2.645% | $132.24 | $264.48 | $661.20 | $1,322.40 |
| 18-Month CD | 3.052% | $152.58 | $305.15 | $762.88 | $1,525.75 |
| 24-Month CD | 2.913% | $145.64 | $291.28 | $728.20 | $1,456.40 |
| 36-Month CD | 2.789% | $139.43 | $278.85 | $697.13 | $1,394.25 |
| 48-Month CD | 2.784% | $139.21 | $278.42 | $696.05 | $1,392.10 |
| 60-Month CD | 2.831% | $141.53 | $283.05 | $707.63 | $1,415.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Hampton, 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 | 0.722% | $36.10 |
| 2 | 6-Month CD | $5,000 | 2.172% | $108.60 |
| 3 | 12-Month CD | $5,000 | 2.645% | $132.24 |
| 4 | 24-Month CD | $5,000 | 2.913% | $145.64 |
| 5 | 36-Month CD | $5,000 | 2.789% | $139.43 |
| Total ($25,000 invested) | $25,000 | 2.248% blended | $562.01/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.
in Hampton, Georgia
About Our Hampton, Georgia CD Rate Database
MonitorBankRates tracks CD rates from 11 banks and 31 credit unions with locations in Hampton, 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: The Southern Credit Union offers a CD at 3.50% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Hampton, Georgia.
How to Find the Best CD Rates in Hampton, Georgia
What to compare when shopping for a CD in Hampton, Georgia
To find the best APYs in Hampton, Georgia, start with credit unions and online-only banks — Hampton, Georgia has 31 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 Hampton, 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 Hampton, Georgia — 42 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Hampton, Georgia savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Hampton, Georgia money market rates
Hampton, Georgia Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
9.8% of residents are 65 or older — below the national average of 17.3%. At today’s GA 12-month CD average of 2.645%, saving 10% of the local median salary ($3,875/year) and putting it in a CD would earn an additional $102 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 Hampton, 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 |
Frequently Asked Questions about CD Rates in Hampton, Georgia
Are CD rates in Hampton, Georgia FDIC insured?
Do I have to pay state taxes on CD interest in Hampton, Georgia?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Hampton, Georgia?
- The Southern Credit Union: 3.50% APY (1-Year IRA Certificate)
- P&S Credit Union: 5.00% APY (12 Month Share / IRA Certificate of Deposit)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts 6 Month)
- Justice Federal Credit Union: 4.00% APY (36 month Share Certificate)
- Excel Federal Credit Union: 4.00% APY (Share Certificates/CDs 1 year)
- Harris Employees Credit Union: 3.92% APY (3 YEAR CERTIFICATE)
- Austin Capital Bank: 3.91% APY (Certificates of Deposit 3 Month)
- Wings Financial Credit Union: 3.90% APY (6-month certificate)
- Delta Community Credit Union: 3.85% APY (IRA CDs 12 Month)
- Coca Cola Federal Credit Union: 3.82% APY (6 MO. CERTIFICATES & IRA CERTIFICATES)
CD Calculators for Hampton, Georgia
At today’s GA top rate of 3.50% APY, a $10,000 deposit earns $350 in the first year. Enter your amount to see your exact return.
Hampton, Georgia CD LadderGA CD rates currently range from 0.722% (3-month) to 2.789% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Hampton, Georgia CD at 3.50% 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 2.645% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Hampton, 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 pulling data straight 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 Hampton, 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.
