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Georgia Savings Rate Trends

Macon, Georgia (GA) Savings Rates - March 2026

The best savings rates for Macon, Georgia and the surrounding area include American Pride BankAmerican Pride Bank4740 Log Cabin Dr, Macon, GA 31204A+5.0 ★Texas Ratio: 0.61% High Savings Account at 4.00% APY, Baxter Credit UnionBaxter Credit Union4400 Ocmulgee East Blvd, Macon, GA 31217A5.0 ★Texas Ratio: 7.73% SafeGuard Savings, Municipal at 3.00% APY, Five Star Credit UnionFive Star Credit Union4070 FORSYTH RD, MACON, GA 31210A5.0 ★Texas Ratio: 7.24% Rising Star Youth Savings at 0.85% APY, United Bank Zebulon, GAUnited Bank Zebulon, GA10788 Estes Rd, Macon, GA 31210A+5.0 ★Texas Ratio: 3.43% Regular Savings at 0.50% APY, and CGR Credit UnionCGR Credit Union2040 Ingleside Ave, Macon, GA 31204A+5.0 ★Texas Ratio: 1.09% Regular Shares at 0.35% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Macon, Georgia, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Macon, Georgia (GA) 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: March 25, 2026

Compare the Best Savings Rates in Macon, Georgia & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
American Pride Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
4740 Log Cabin Dr, Macon, GA 31204
High Savings Account
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Terms and Conditions Apply.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4400 Ocmulgee East Blvd, Macon, GA 31217
SafeGuard Savings, Municipal
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4400 Ocmulgee East Blvd, Macon, GA 31217
SafeGuard Savings, Consumer
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4400 Ocmulgee East Blvd, Macon, GA 31217
Rainy Day Savings
1.90%
$0
Rate1.88%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

On balances above $25,000 and up to $50,000

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4400 Ocmulgee East Blvd, Macon, GA 31217
Rainy Day Savings
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

On balances up to $25,000

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4400 Ocmulgee East Blvd, Macon, GA 31217
SafeGuard Savings, Business
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
4070 FORSYTH RD, MACON, GA 31210
Rising Star Youth Savings
0.85%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Account Transfer Limitations Apply

Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
4070 FORSYTH RD, MACON, GA 31210
Youth Savings
0.85%
$0
Rate0.85%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
10788 Estes Rd, Macon, GA 31210
Regular Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

United Bank Zebulon, GA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
10788 Estes Rd, Macon, GA 31210
Minor Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
4070 FORSYTH RD, MACON, GA 31210
IRA Share Account
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Account Transfer Limitations Apply

CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Regular Shares
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
4810 Mercer University Dr, Macon, GA 31210 5675
Share Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

CGR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2040 Ingleside Ave, Macon, GA 31204
Regular Shares
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
4040 Vineville Ave, Macon, GA 31210
Primary & Secondary Savings
0.10%
$1
Rate0.10%
Min Deposit$1
Min Balance
UpdatedMar 9, 2026
Details

For 4th Quarter 2025

Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
4040 Vineville Ave, Macon, GA 31210
Round Up Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 9, 2026
Details

Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
4070 FORSYTH RD, MACON, GA 31210
Membership Share Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Account Transfer Limitations Apply

Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
4070 FORSYTH RD, MACON, GA 31210
Savings (Share) Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
4070 FORSYTH RD, MACON, GA 31210
Share Draft Checking Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

No longer offered after 8/19/2018

Five Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
4070 FORSYTH RD, MACON, GA 31210
Sub-share Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Account Transfer Limitations Apply

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
150 Tom Hill Sr Blvd, Macon, GA 31210
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
150 Tom Hill Sr Blvd, Macon, GA 31210
Platinum Savings
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
150 Tom Hill Sr Blvd, Macon, GA 31210
Platinum Savings
0.02%
$25
Rate0.02%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4400 Ocmulgee East Blvd, Macon, GA 31217
Rainy Day Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

On remainder over $50,000

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4400 Ocmulgee East Blvd, Macon, GA 31217
Regular Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4400 Ocmulgee East Blvd, Macon, GA 31217
Holiday Club Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
150 Tom Hill Sr Blvd, Macon, GA 31210
Platinum Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
150 Tom Hill Sr Blvd, Macon, GA 31210
Way2Save® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
10300 Industrial Blvd Ne, Covington, GA 30014
Cents-able Savings
7.00%
$5
Rate7.00%
Min Deposit$5
Min Balance
UpdatedMar 23, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
100 Busch Dr NE, Cartersville, GA 30121 7217
Accelerate It Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $5,000.00

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
ULTRA Savings
4.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
Ultra Savings Rate
4.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
Savings W/Elite Chk
4.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
Savings W/Checking Account
4.45%
$0
Rate4.45%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

AVG DAILY STEPS: 12,500+

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
Savings w/Checking Rate
4.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
SENIOR Savings
4.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
Youth Savings
4.00%
$0
Rate3.94%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
959 E Confederate Ave SE, Atlanta, GA 30316
FREEDOM DIRECT SAVINGS
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

when you add Direct Deposit to a new or existing Justice Federal Checking Account.

Associated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6251 Crooked Creek Rd, Norcross, GA 30092 3107
Safari Savings Club
4.00%
$0
Rate3.94%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
High Yield Savings
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
High-Yield Savings
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
5063 Alabama Hwy, Ringgold, GA 30736
FirstUp Savings
3.82%
$50
Rate3.75%
Min Deposit$50
Min Balance
UpdatedMar 18, 2026
Details

Qualifications Required: recurring monthly transfer totaling $50.00 or more from the FirstBank personal checking or FirstBank personal money market; Qualifying balance up to $25,000.00

Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
104 Town Blvd NE Ste A110, Brookhaven, GA 30319 3146
Business Prosperity Savings
3.75%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 25, 2026
Details

Intro rate subject to change

RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3550 Lenox Rd Ne, Atlanta, GA 30326
U.S. Business Money Market Savings
3.60%
$0
Rate3.54%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
115 N Dooly St, Montezuma, GA 31063
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
Money Market Savings
3.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 18, 2026
Details

Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3360 Satellite Blvd, Duluth, GA 30096
WooriWON Savings
3.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 22, 2026
Details

Online Only

Georgia United Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
500 N Indian Creek Dr, Clarkston, GA 30021 2362
High Earning Savings
3.15%
$0
Rate3.11%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Balances less than $25,000, with monthly net deposit(s) of $100+

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
100 Busch Dr NE, Cartersville, GA 30121 7217
Earn & Learn Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $2,500.00

Credit Union of Georgia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3048 Eagle Dr, Woodstock, GA 30189 5531
High Interest Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Qualifying balance up to $1,000.00

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
Savings w/Checking Rate
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
Savings W/Elite Chk
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3360 Satellite Blvd, Duluth, GA 30096
WooriWON Savings
2.95%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 22, 2026
Details

Online Only

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
Money Market Savings
2.85%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 18, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
3175 Highway 278, Covington, GA 30014
SENIOR Savings
2.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Hanmi Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2330 Pleasant Hill Rd, Duluth, GA 30096
Simple Savings
2.70%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
200 Chastain Center Blvd Nw, Kennesaw, GA 30144
Money Market Savings
2.34%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 18, 2026
Details

Altamaha Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
206 Jackson St, Vidalia, GA 30474
Rewards Savings*
2.25%
$100
Rate2.25%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $50,000.00

Altamaha Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
206 Jackson St, Vidalia, GA 30474
Rewards Savings
2.25%
$100
Rate2.25%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Hanmi Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2330 Pleasant Hill Rd, Duluth, GA 30096
Simple Savings
2.20%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

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.

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

Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Georgia Savings Trends →
High-Yield Savings — GA Avg
0.362%
▼ 1.942 from last week

Georgia high-yield savings rates fell 1.942 points this week to 0.362% APY, down from 2.304% last week.

Standard Savings — GA Avg
0.421%
▲ 0.087 from last week

Georgia standard savings rates rose 0.087 points this week to 0.421% APY, up from 0.334% last week.

As of Mar 26, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

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)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Georgia, help your money grow faster through a higher APY.

Are savings accounts in Macon, Georgia safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Georgia up to $250,000 per depositor, per institution.

How often do savings rates change in Macon, Georgia?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Georgia rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Macon, Georgia may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Macon, Georgia?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Macon, Georgia offer in-person customer service, which some customers prefer.

How do I open a savings account in Macon, Georgia?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Macon, Georgia

Here are recent savings rates observed in Macon, Georgia and the surrounding area:
  • American Pride Bank
    High Savings Account — 4.00% APY
  • Baxter Credit Union
    SafeGuard Savings, Municipal — 3.00% APY
  • Five Star Credit Union
    Rising Star Youth Savings — 0.85% APY
  • United Bank Zebulon, GA
    Regular Savings — 0.50% APY
  • CGR Credit Union
    Regular Shares — 0.35% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Macon, Georgia. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026