Georgia Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Georgia include FsnbFsnb10300 Industrial Blvd Ne, Covington, GA 30014A+5.0 ★Texas Ratio: 4.31%Real return: +4.20%APY minus 2.8% CPI (February 2026) Cents-able Savings at 7.00% APY, Together Credit UnionTogether Credit Union100 Busch Dr NE, Cartersville, GA 30121 7217A+5.0 ★Texas Ratio: 5.32%Real return: +2.20%APY minus 2.8% CPI (February 2026) Accelerate It Savings at 5.00% APY, Fitness BankFitness Bank3175 Highway 278, Covington, GA 30014A+5.0 ★Texas Ratio: 2.98%Real return: +1.45%APY minus 2.8% CPI (February 2026) Fitness Savings Account at 4.25% APY, American Pride BankAmerican Pride Bank4740 Log Cabin Dr, Macon, GA 31204A+5.0 ★Texas Ratio: 0.01%Real return: +1.20%APY minus 2.8% CPI (February 2026) High Yield Savings at 4.00% APY, and Platinum Federal Credit UnionPlatinum Federal Credit Union4794 Lawrenceville Hwy NW, Lilburn, GA 30047A+5.0 ★Texas Ratio: 1.90%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business High-Yield Savings at 4.00% APY.
Use the tables below to compare savings rates across Georgia side-by-side. Georgia savings rates currently reach as high as 7.00% APY from Fsnb at 10300 Industrial Blvd Ne, Covington, GA 30014. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Georgia and the surrounding area. Last Updated and Verified: September 21, 2026
Compare the Best Savings Rates in Georgia
Minimum Balance/Average Daily Balance: $5. For the Accelerate It Savings account, the dividend rate and annual percentage yield are subject to change without notice after account opening. APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account. Rate offers accurate as of 06/01/2025. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.
Balance: 12,500+ steps
Balance: 10,000 - 12,499 steps
Interest compounded daily on the collected balance. $6 monthly maintenance fee if minimum average daily balance is not met.
Balance: $0 - $250,000
Balance: $0 - $250,000
Balance: Up to $2,500
Balance: $50 - $500; Q2
Earn the highest rate offered on a Fitness Savings account when your average daily step count hits 12,500 (10,000 if 65+)
Qualifications Required: 10,000 STEPS AVERAGE PER DAY (7 ,500 steps for those 65+ ); 15 SWIPES in the Elite Checking ( debit card transactions per Account Period); Combination of Fitness Elite Checking + Fitness Savings accounts earns this rate. Elite Checking requires $5,000 min average balance. Savings account requires 10,000 Average Daily Step Count (7,500 for those 65+). Elite Checking requires 15 Debit Card Transactions per Account Period. Interest earned on balances over $100. Initial Rate will be the top tier offered until the rate adjustment date following first calendar month that the account has been opened. Rates are valid for accounts opened online and require a valid email address.
Qualifications Required: 10,000 STEPS AVERAGE PER DAY (7 ,500 steps for those 65+ ); 15 SWIPES in the Elite Checking ( debit card transactions per Account Period); GET the ultra rate. To earn the Ultra Rate of 3.80% APY on your Fitness Savings account, Member-Athletes are required to maintain a $5,000 average minimum balance in the Elite Checking and . . . 10,000 STEPS AVERAGE PER DAY (7 ,500 steps for those 65+ ) 15 SWIPES in the Elite Checking ( debit card transactions per Account Period) If the minimum balance is not met, then only a Bonus Rate of 0.25% is earned
Seniors 65 and over can Step. Track. And Earn. Available to anyone who is over 65 years of age and a US citizen Account balances are capped at $250,000 Incoming Wire Fee waived by FitnessBank No step requirements for the first month Initial rate will be the top tier offered until the rate adjustment date following first calendar month that the account has been opened. $10 maintenance fee, waived with $100 minimum average daily balance Interest earned on balances over $100 $10 excessive withdrawal charge will be assessed for each debit transaction (withdrawal, automatic transfer or payment) in excess of the 6 permitted Free online banking Free external account transfers Free eStatements
Balance: 12,500+
Balance: 12,500+ steps
Balance: 10,000+ steps
Balance: 12,500+
Minimum: $10,000 (new money only); Monthly
Balance: $250,000.00 +
Balance: 10,000+ steps
Balance: $25,000 - $99,999
Balance: $250,000.01 - $500,000
Balance: $250,000.01 - $500,000
Qualifications Required: Direct deposits of $1,000 or more every 34 days; Deposit $10,000+ in new money and maintain a daily balance of $10,000+ to earn 3.50% APY. Then boost earnings to 3.75% APY with direct deposits of $1,000 or more every 34 days. Rate if direct deposit requirement not met: 3.50% APY. New money only; defined as funds that are not currently deposited in any Wings Credit Union account. Membership with a $5 Share Account required.
Earn 3.40% APY when you combine Companion Savings with a qualifying FirstBank CD.
APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Balance: $500,000.01 - $1,000,000
Balance: $500,000.01 - $1,000,000
Balance: Balances less than $25,000, with monthly net deposit(s) of $100+
Balance: $5,000,000+
Minimum Balance/Average Daily Balance: $5. Earn and Learn available to members up through age 18. APY dividend of 2.96% is earned on balances $5.00- $2,500.00. Balances over $2,500.00 and above will receive APY of 0.20%. Rate offers accurate as of 02/13/2026. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.
Balance: 10,000 - 12,499 steps
Balance: 7,500 - 9,999 steps
Balance: 10,000 - 12,499
Balance: $1,000 - $4,999.99
Open In-Person: Find a Branch
Balance: Over $1,000,000
Balance: over $1,000,000
Special rates just for members age 0-21. Earn 3.0% APY* on your first $1,000. Balances over $1,000.00 and above will receive APY of 0.20%.
Earn 3% APY on your first $2,500 and competitive dividends on your remaining balances.
APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Balance: 7,500 - 9,999 steps
Balance: $1,000 - $4,999.99
Minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00; Balance: $500,000.01 and over
Balance Tiers $0 - $49,999.99 | 2.20% APY $50,000 + | 2.70% APY
$5 minimum balance to open
Balance: $5.00 - $3,000.00
Balance: $5.00 - $3,000.00
Balance: $1,000 - $4,999.99
Minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00; Balance: $250,000.01 - $500,000.00
Balance: $5.00 - $3,000.00; Requires the use of a debit card and one of the following active accounts: Power Checking, Power Checking + CoverMe, or SmartStart Checking.
0.25% on amounts above $3,000. Choose from two maturity dates - March 1, 2027: Access funds early for camp registration and deposits OR June 1, 2027: Allow your savings to grow longer for summer expenses. If you opened a Summer Camp Savings account with a maturation date of June 1 on or after April 1, 2026, your maturation date will be updated to June 1, 2027. Open an Account
$100,000; Balance: $100,000 & More; Good Through: September 30, 2026
APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Balance: $1,000,000 - $4,999,999.99
Balance: $1,000,000.00 - and above
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Georgia Savings Rate Trends
Compare local Georgia savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Georgia high-yield savings rates rose 0.110 points over the past 7 days to 1.968% APY, up from 1.858%.
Georgia standard savings rates rose 0.013 points over the past 7 days to 0.814% APY, up from 0.801%.
Georgia Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current GA high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current GA high-yield savings average of 1.968% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Georgia.
Savings Account Earnings in Georgia
Annual interest earnings at current GA average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.968% APY) | Monthly Earnings | Standard Savings (0.814% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.41 / year | $8.20 | $40.68 / year | $3.39 |
| $10,000 | $196.82 / year | $16.40 | $81.36 / year | $6.78 |
| $25,000 | $492.05 / year | $41.00 | $203.40 / year | $16.95 |
| $50,000 | $984.10 / year | $82.01 | $406.80 / year | $33.90 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Georgia savings rate averages as of September 22, 2026. | ||||
About Our Georgia Savings Rate Database
MonitorBankRates tracks 234 savings rates from 10 banks and 12 credit unions offering savings accounts to Georgia residents, including community institutions, regional banks, and national online options. 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: Fsnb offers a savings account at 7.00% APY with a minimum deposit of $5. Use the rate table above to compare all current offers in Georgia.
How to Find the Best Savings Rates in Georgia
What to compare when shopping for a savings account in Georgia
To find the best savings APYs in Georgia, start with credit unions and online-only banks: Georgia has 12 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current GA high-yield savings average is 1.968% but top local institutions are offering as high as 7.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Georgia high-yield savings rates currently average 1.968% APY, far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Georgia institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 22 institutions in Georgia report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Georgia CD rates
- You want check-writing flexibility → Georgia money market rates
- You need daily transaction access → Georgia checking rates
Georgia Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
15.0% of residents are 65 or older, below the national average of 17.3%. At today’s GA high-yield savings average of 1.968%, saving 10% of the local median salary ($4,381/year) would earn an additional $86 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Georgia Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Georgia.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current GA Avg APY | 1.968% | 0.814% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Georgia averages tracked in our database as of September 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Georgia
At GA’s top rate of 7.00% from Fsnb, a $10,000 deposit earns $700 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Georgia earner is roughly $11,000. At 1.968% APY, saving $910/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsGeorgia’s high-yield savings average is 1.968% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Georgia earner makes $43,815/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.968% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.968% APY grows to roughly $36,918 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Georgia savings 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 Savings Rate Data: We aggregate savings account 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. Every savings rate displayed 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 large national institutions available to savers in GA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Georgia
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Georgia safe?
How often do savings rates change in Georgia?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Georgia?
How do I open a savings account in Georgia?
Best Savings Rates in Georgia
- Fsnb
Cents-able Savings: 7.00% APY - Together Credit Union
Accelerate It Savings: 5.00% APY - Fitness Bank
Fitness Savings Account: 4.25% APY - American Pride Bank
High Yield Savings: 4.00% APY - Platinum Federal Credit Union
Business High-Yield Savings: 4.00% APY
Cities in Georgia
