Macon, Georgia Savings Rates - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Macon, Georgia and the surrounding area include Planters First BankPlanters First Bank4361 Rivoli Dr, Macon, GA 31210A+5.0 ★Texas Ratio: 1.58%Real return: +2.29%APY minus 2.8% CPI (February 2026) Planters Super Savings at 5.09% APY, Baxter Credit UnionBaxter Credit Union4400 Ocmulgee East Blvd, Macon, GA 31217A5.0 ★Texas Ratio: 7.04%Real return: -0.90%APY minus 2.8% CPI (February 2026) Rainy Day Savings at 1.90% APY, Five Star Credit UnionFive Star Credit Union4070 FORSYTH RD, MACON, GA 31210A5.0 ★Texas Ratio: 6.85%Real return: -1.04%APY minus 2.8% CPI (February 2026) Money Market Accounts With Less Than Earn Savings Account Base Rate at 1.76% APY, United Bank Zebulon, GAUnited Bank Zebulon, GA10788 Estes Rd, Macon, GA 31210A+5.0 ★Texas Ratio: 3.43%Real return: -2.30%APY minus 2.8% CPI (February 2026) Minor Savings at 0.50% APY, and Midsouth Community Federal Credit UnionMidsouth Community Federal Credit Union4810 Mercer University Dr, Macon, GA 31210 5675A+5.0 ★Texas Ratio: 4.71%Real return: -2.55%APY minus 2.8% CPI (February 2026) Share Savings at 0.25% APY.
Macon has 23 local institutions in our database, with savings rates as high as 5.09% APY from Planters First Bank at 4361 Rivoli Dr, Macon, GA 31210. Use the table below to compare all available offers, including options from institutions serving the broader Georgia area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Macon, Georgia and the surrounding area. Last Updated and Verified: June 23, 2026
Compare the Best Savings Rates in Macon, Georgia & Surrounding Communities
Must have a Planters Round Up Checking Account
Qualifying balance up to $50,000.00
$2,000
$2,000
Qualifying balance up to $25,000.00
$2,000
N/A for minimum balance to avoid a service fee. Account Transfer Limitations Apply.
Visit Office
N/A for minimum balance to avoid a service fee. Account Transfer Limitations Apply.
Minimum Balance to Earn APY: $200 - $999.99
Relationship Interest Rates. When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
N/A for minimum balance to avoid a service fee. Account Transfer Limitations Apply.
See (10) below for minimum balance to avoid a service fee. Account Transfer Limitations Apply.
No longer offered after 8/19/2018. N/A for minimum balance to avoid a service fee.
Relationship Interest Rates. When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
How to avoid the $5 monthly service fee
Minimum Balance to Open Account: $5.00
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%. You must be 22 years or older to open an Accelerate It Savings account.
2
Qualifications Required: 10,000 avg. daily step count and 15 card swipes; For holding a savings and a checking account with $5,000 min average balance in checking.
Based on 10,000+ average daily steps.
Qualifications Required: Average daily step count hits 12,500 (10,000 if 65+); Earn the highest rate offered on a Fitness Savings account when your average daily step count hits 12,500 (10,000 if 65+).
Q1
Based on 10,000+ average daily steps.
Qualifications Required: Direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month; Earn 4.00% APY* when you open a high-yield Freedom Direct Savings Account with Direct Deposit to a Checking account. No withdrawal fees. No monthly service fees. Direct Deposit and Automatic Transfers Available.
Open a Freedom Direct Savings Account and earn 4.00% APY* when you add Direct Deposit to a new or existing Justice Federal Checking Account.
Earn 3.40% APY when you combine Companion Savings with a qualifying FirstBank CD.
Tier 1 - 1.85% APY on balances of $0.00 - $49,999.99, Tier 2 - 2.34% APY on balances of $50,000.00 - $99,999.99, Tier 3 - 2.85% APY on balances of $100,000 - $249,999.99, Tier 4 - 3.25% APY on balances of $250,000 - $5,000,000.00. No interest paid on balances over $5,000,000.00. Rates are variable and may change after the account is opened. 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.
Plan for a worry-free retirement with flexible options.
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%.
Based on 7,500 - 9,999 average daily steps.
Tier 1 - 1.85% APY on balances of $0.00 - $49,999.99, Tier 2 - 2.34% APY on balances of $50,000.00 - $99,999.99, Tier 3 - 2.85% APY on balances of $100,000 - $249,999.99, Tier 4 - 3.25% APY on balances of $250,000 - $5,000,000.00. No interest paid on balances over $5,000,000.00. Rates are variable and may change after the account is opened. 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.
Based on 7,500 - 9,999 average daily steps.
Tier 1 - 1.85% APY on balances of $0.00 - $49,999.99, Tier 2 - 2.34% APY on balances of $50,000.00 - $99,999.99, Tier 3 - 2.85% APY on balances of $100,000 - $249,999.99, Tier 4 - 3.25% APY on balances of $250,000 - $5,000,000.00. No interest paid on balances over $5,000,000.00. Rates are variable and may change after the account is opened. 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.
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.
Macon, GA Savings Rate Trends
Compare local Macon, GA 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 currently average 2.691% APY based on data from institutions in our monitoring network.
Georgia standard savings rates fell 0.002 points over the past 7 days to 0.848% APY, down from 0.850%.
Macon, 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 2.691% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; savings institutions typically pass through 70–90% of rate cuts to deposit rates 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 Macon, Georgia.
Savings Account Earnings in Macon, 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 (2.691% APY) | Monthly Earnings | Standard Savings (0.848% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $134.55 / year | $11.21 | $42.41 / year | $3.53 |
| $10,000 | $269.09 / year | $22.42 | $84.82 / year | $7.07 |
| $25,000 | $672.73 / year | $56.06 | $212.05 / year | $17.67 |
| $50,000 | $1,345.45 / year | $112.12 | $424.10 / year | $35.34 |
| 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: Macon, Georgia savings rate averages as of June 23, 2026. | ||||
About Our Macon, Georgia Savings Rate Database
MonitorBankRates found 6 institutions with branches in Macon (3 banks, 3 credit unions), plus 12 additional state-chartered and national online institutions available to Macon 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: Planters First Bank offers a savings account at 5.09% APY. Use the rate table above to compare all current offers in Macon, Georgia.
How to Find the Best Savings Rates in Macon, Georgia
What to compare when shopping for a savings account in Macon, Georgia
To find the best savings APYs in Macon, Georgia, start with credit unions and online-only banks — Macon, Georgia has 9 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 2.691% — but top local institutions are offering as high as 5.09%, 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. Macon, Georgia high-yield savings rates currently average 2.691% 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 Macon, Georgia institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 18 institutions in Macon, 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 → Macon, Georgia CD rates
- You want check-writing flexibility → Macon, Georgia money market rates
- You need daily transaction access → Macon, Georgia checking rates
Georgia Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau (state-level data shown — city data not available)
15.0% of residents are 65 or older — below the national average of 17.3%. At today’s GA high-yield savings average of 2.691%, saving 10% of the local median salary ($4,381/year) would earn an additional $118 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Macon, Georgia Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Macon, Georgia.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current GA Avg APY | 2.691% | 0.848% | 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 | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | 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 Macon, Georgia averages tracked in our database as of June 23, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Macon, Georgia
At GA’s top rate of 5.09% from Planters First Bank, a $10,000 deposit earns $509 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Macon, Georgia earner is roughly $11,000. At 2.691% 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 2.691% 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 Macon, Georgia earner makes $43,815/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 2.691% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.691% APY grows to roughly $42,519 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 Macon, 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 Macon, 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 Macon, 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 Macon, Georgia
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Macon, Georgia safe?
How often do savings rates change in Macon, 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 Macon, Georgia?
How do I open a savings account in Macon, Georgia?
Best Savings Rates in Macon, Georgia
- Planters First Bank
Planters Super Savings — 5.09% APY - Baxter Credit Union
Rainy Day Savings — 1.90% APY - Five Star Credit Union
Money Market Accounts With Less Than Earn Savings Account Base Rate — 1.76% APY - United Bank Zebulon, GA
Minor Savings — 0.50% APY - Midsouth Community Federal Credit Union
Share Savings — 0.25% APY
