Best 18-Month CD Rates in Georgia, GA

You are viewing rates from banks across Georgia

Below are eighteen-month Certificates of Deposit (CD) rates from banks in Georgia . Eighteen Month CDs offer a bit more yield than 1-year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

GA - August 21, 2025

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
Hyperion Bank	4.55%	$500	-	Learn More Add Review
Rate History: 3.75% → 4.55%
Prime Alliance Bank	4.20%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.15% → 4.00% → 4.20%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Popular Direct	4.16%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 270 days interest. Rate History: 4.15% → 4.10% → 4.00% → 4.10% → 4.16%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Bank5 Connect	4.15%	$500	-	Learn More Add Review
Available in all states except MA/RI.
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More
Merrick Bank	4.15%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.15% → 4.05% → 4.20% → 4.15%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Finworth, a division of InsBank Cornelia Branch	4.15%	$50,000	-	Learn More Add Review
Early Withdrawal Penalty is 8 months interest. Rate History: 3.75% → 3.85% → 4.30% → 4.20% → 4.15%
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
Valley Direct, a division of Valley National Bank	4.15%	$500	-	Learn More Add Review
AEM \| Sep 18, 2023 I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More
Charles Schwab Bank, SSB	4.10%	$1,000	-	Learn More
Rate History: 4.25% → 4.30% → 4.35% → 4.25% → 4.10%
kenbeckyreese@icloud.com \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
M.Y. Safra Bank	4.05%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 3.00% → 4.85%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	4.05%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.85% → 4.40% → 3.95% → 4.16% → 4.05%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Colorado Federal Savings Bank	4.05%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months Interest. Rate History: 4.75% → 4.45% → 4.05% → 3.95% → 4.05%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
Rising Bank, a division of Midwest BankCentre	4.05%	$5,000	-	Learn More Add Review
One-time bump CD. Early Withdrawal Penalty is 180 days interest. Rate History: 3.90% → 4.15% → 3.95% → 4.20% → 4.05%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Goldman Sachs Bank	4.00%	$500	-	Learn More Add Review
Rate History: 4.10% → 4.00% → 3.90% → 4.10% → 4.00%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Limelight Bank, A division of Capital Community Bank	4.00%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.15% → 4.05% → 4.00%
Savvysaver \| Jun 26, 2020 Rate not current Read More
CFG Bank	4.00%	$500	-	Learn More Add Review
Early Withdrawal penalty is 180 days interest. Rate History: 3.85% → 4.10% → 4.00% → 3.75% → 4.00%
TJK \| Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More
Bask Bank, a division of Texas Capital Bank	4.00%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.20% → 4.00% → 3.90% → 4.00%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
First Internet Bank of Indiana	3.90%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days. Rate History: 4.72% → 4.57% → 4.15% → 4.00% → 3.90%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.87%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.85%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.35% → 3.85%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Discover Bank	3.80%	$2,500	-	Learn More Add Review
Rate History: 4.50% → 4.40% → 3.80% → 4.00% → 3.80%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
Sallie Mae Bank	3.80%	$2,500	-	Learn More
Earty Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.50% → 4.35% → 3.85% → 3.80%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
Synchrony Bank	3.80%	$0	-	Learn More Add Review
Rate History: 5.25% → 4.50% → 4.25% → 4.10% → 3.80%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Vio Bank, A Division of MidFirst Bank	3.80%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.95% → 4.00% → 3.95% → 3.80%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Bread Savings, a division of Bread Financial	3.80%	$1,500	-	Learn More Add Review
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Banesco USA	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.30% → 4.20% → 3.90% → 4.25% → 3.80%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Canadian Imperial Bank USA	3.76%	$1,000	-	Learn More Add Review
Rate History: 5.17% → 5.26% → 4.90% → 4.47% → 3.76%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More
Beal Bank USA Atlanta Branch	3.75%	$1,000	-	Learn More
Rate History: 4.35% → 4.25% → 4.20% → 3.75%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
Loyal Trust Bank Loyal Trust Bank Branch	3.75%	$1,000	-	Learn More Add Review
New Millennium Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.85% → 4.50% → 4.00% → 4.20% → 3.75%
Ally Bank	3.70%	$0	-	Learn More Add Review
Rate History: 4.25% → 4.10% → 3.90% → 3.80% → 3.70%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Capital One 360	3.70%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Capital One, National Association	3.70%	$0	-	Learn More
Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Touchmark National Bank Touchmark National Bank Branch	3.64%	$1,000	-	Learn More Add Review
TIAA Bank / Everbank	3.60%	$1,000	-	Learn More Add Review
Rate History: 4.30% → 4.00% → 3.75% → 3.70% → 3.60%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Bank of Hope Lagrange Branch	3.60% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 3.95% → 4.10% → 3.80% → 3.79% → 3.60%
NORTY FLATZ \| Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More Reviews (1)
Salem Five Direct	3.50% 2.95%	$10,000 $500	-	Learn More Add Review
Warning: Early withdrawal penalty is 4% of principal withdrawn. Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 3.50%
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 12 months of interest Rate History: 0.55% → 4.50% → 4.75% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
LendingClub	3.50%	$2,500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.90% → 4.75% → 4.40% → 3.75% → 3.50%
jaydub \| Aug 18, 2025 Sophomoric as hell. I opened a LevelUp account for the 4.40% rate (now 4.20%). Rate requires automatic $250 deposit each month which I made, but I now realized that I never got that rate. Customer servic... Read More Reviews (22)
Wells Fargo Bank, National Association Cnn Center Omni Branch	3.50%	$5,000	-	Learn More
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
MainStreet Bank	3.25%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 9 months interest. Rate History: 3.25% → 3.00% → 3.25%
IncredibleBank	3.03%	$1,000	-	Learn More Add Review
• $1,000 minimum deposit to open an account. • A penalty may be imposed for early withdrawal. • Account fees may reduce your earnings. Rate History: 0.25% → 0.15% → 3.82% → 3.03%
nonsense \| May 21, 2021 avoid this Read More
Barclays Bank Delaware	3.00%	$0	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.00% → 4.50% → 4.25% → 3.25% → 3.00%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
CIT Bank, a division of First-Citizens Bank and Trust	3.00%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
Dollar Savings Direct, a division of Emigrant Bank	2.75%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.00% → 2.75%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
American Commerce Bank, National Association American Commerce Bank, National Association Branch	2.50%	$500	-	Learn More Add Review
Chesapeake Bank	2.36%	$1,000	-	Learn More Add Review
Rate History: 0.85% → 1.25% → 2.60% → 2.36%
ruler009 \| May 26, 2017 Before009 Read More
JPMorgan Chase Bank, National Association Roswell - Mansell - Branch	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
USAA Federal Savings Bank	1.80%	$1,000	-	Learn More
Rate History: 4.65% → 4.20% → 4.05% → 2.80% → 1.80%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Hingham Institution for Savings	1.75%	$1,000	-	Learn More Add Review
Hingham Savings	1.75%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.65%	$1,000	-	Learn More Add Review
Rate History: 4.45% → 2.80% → 1.65%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
South Coast Bank & Trust Midway Branch	1.10%	$10,000	-	Learn More Add Review
Citibank, National Association	1.01%	$0	-	Learn More
Rate History: 2.45% → 3.85% → 4.00% → 3.75% → 1.01%
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
First State Bank Peachtree Street Branch	1.00%	$10,000	-	Learn More Add Review
Community Bank of Georgia Community Bank Of Georgia Branch	1.00%	$10,000	-	Learn More Add Review
TD Bank, National Association	1.00%	$10,000	-	Learn More
Rate History: 4.50% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Tandem Bank	0.90%	$10,000	-	Learn More Add Review
Bank of Dawson Bank Of Dawson Branch	0.80%	$10,000	-	Learn More Add Review
United National Bank United National Bank Branch	0.75%	$10,000	-	Learn More Add Review
North Georgia National Bank Downtown Calhoun Branch	0.75%	$10,000	-	Learn More Add Review
Oconee State Bank Oconee State Bank Branch	0.75%	$10,000	-	Learn More
Carol Walters \| Mar 29, 2021 I have had problems with Oconee State Bank blocking purchases I made online from a legitimate business for pet products. They block it because the seller is in the UK, even though I have purchased from the... Read More Reviews (1)
First IC Bank First Ic Bank Branch	0.75%	$10,000	-	Learn More Add Review
Talbot State Bank Talbot State Bank Branch	0.75%	$10,000	-	Learn More
ronald.burrell673@gmail.com \| Aug 11, 2019 We have trouble with them crediting payments made on time, by the time point Aand B get your payment and record it, you are always seen as a late payment. This just drives me crazy, also, they don't do all... Read More Reviews (1)
Georgia Community Bank Drive-In Branch	0.75%	$10,000	-	Learn More Add Review
First State Bank of Blakely First State Bank Of Blakely Branch	0.75%	$10,000	-	Learn More Add Review
ServisFirst Bank Douglasville Branch	0.71%	$10,000	-	Learn More Add Review
Wilkinson County Bank Wilkinson County Bank Branch	0.70%	$10,000	-	Learn More Add Review
Bank of Eastman Magnolia State Bank -gray Branch	0.70%	$10,000	-	Learn More Add Review
BankSouth Banksouth Branch	0.70%	$10,000	-	Learn More Add Review
Wallis Bank	0.70%	$100,000	-	Learn More Add Review
First Port City Bank First Port City Bank Branch	0.70%	$10,000	-	Learn More Add Review
Century Bank and Trust Northside Branch	0.70%	$10,000	-	Learn More Add Review
Exchange Bank Exchange Bank Of Lake Oconee Branch	0.70%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank Homerville Branch	0.70%	$10,000	-	Learn More Add Review
CoastalStates Bank	0.65%	$10,000	-	Learn More Add Review
American Pride Bank American Pride Bank Branch	0.65%	$10,000	-	Learn More
Lily \| Dec 14, 2021 no reveiw Read More Reviews (1)
First National Community Bank The Eton Branch	0.65%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank Homerville Branch	0.65%	$10,000	-	Learn More Add Review
F & M Bank and Trust Company F & M Bank And Trust Company Branch	0.60%	$10,000	-	Learn More Add Review
Wallis Bank	0.60%	$10,000	-	Learn More Add Review
Citizens Bank & Trust, Inc. Citizens Bank & Trust, Inc. Branch	0.60%	$500	-	Learn More Add Review
The Peoples Bank Sinclair Branch	0.60%	$10,000	-	Learn More Add Review
State Bank of Cochran Wrightsville Branch	0.60%	$10,000	-	Learn More Add Review
Bank of Dade Drive-In Branch	0.60%	$1,000	-	Learn More Add Review
First Peoples Bank Hamilton Branch	0.55%	$10,000	-	Learn More Add Review
Commercial Banking Company Tifton Branch	0.55%	$10,000	-	Learn More Add Review
First National Bank of Decatur County First National Bank Of Decatur Count Branch	0.55%	$10,000	-	Learn More Add Review
Bank of Hazlehurst Bank Of Hazlehurst Branch	0.55%	$10,000	-	Learn More Add Review
Signature Bank of Georgia Signature Bank Client Engagement Center Branch	0.55%	$1,000	-	Learn More Add Review
Peoples Bank Peoples Bank Branch	0.55%	$10,000	-	Learn More Add Review
First Bank of Coastal Georgia Richmond Hill Branch	0.55%	$100,000	-	Learn More Add Review
South State Bank, National Association	0.50%	$500	-	Learn More
Justice \| Jul 22, 2021 This is a criminal lender and the worst bank. They merged with CenterState Bank.. They have made our lives miserable with a wrongful, fraudulent foreclosure. We will be starting a Website with all of the ... Read More Reviews (2)
The Security State Bank The Security State Bank Branch	0.50%	$10,000	-	Learn More Add Review
PrimeSouth Bank Atlantic National Bank Branch	0.50%	$10,000	-	Learn More Add Review
The Citizens National Bank of Quitman The Citizens National Bank Of Quitma Branch	0.50%	$10,000	-	Learn More Add Review
First Southern Bank Waycross Branch	0.50%	$10,000	-	Learn More Add Review
Bank of Monticello Bank Of Monticello Branch	0.50%	$10,000	-	Learn More Add Review
Durden Banking Company, Incorporated Metter Branch	0.50%	$10,000	-	Learn More Add Review
Bank of Dudley Dublin Branch	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank Braselton Branch	0.50%	$500	-	Learn More Add Review
First Bank of Coastal Georgia Richmond Hill Branch	0.50%	$10,000	-	Learn More Add Review
The Claxton Bank Claxton Square Branch	0.50%	$10,000	-	Learn More Add Review
Guardian Bank Guardian Bank Branch	0.50%	$10,000	-	Learn More
A \| Aug 21, 2019 Guardian bank is the worst company I’ve ever try to do business with me and my husband went to them for a refinance the lender submitted a application for a loan that was not fitting the needs we wante... Read More Reviews (1)
Morris Bank S. Houston Lake Road Office Branch	0.45%	$10,000	-	Learn More
Samantha \| Dec 14, 2021 Awesome i lost half my money and they paid me triple Read More Reviews (1)
PeoplesSouth Bank Bainbridge Branch	0.45%	$10,000	-	Learn More Add Review
Waycross Bank & Trust Waycross Bank & Trust Branch	0.45%	$500	-	Learn More Add Review
Flint Community Bank Flint Community Bank Branch	0.45%	$10,000	-	Learn More Add Review
South Georgia Banking Company Vienna Branch	0.45%	$10,000	-	Learn More Add Review
The Commercial Bank The Commercial Bank Branch	0.40%	$10,000	-	Learn More Add Review
Sunmark Community Bank Sunmark Community Bank Branch	0.40%	$10,000	-	Learn More Add Review
Oconee Federal Savings and Loan Association Toccoa Br Branch	0.40%	$10,000	-	Learn More
Bonjo \| Nov 10, 2022 Sammi rude I feel she gets mad if she has to do anything Seneca up town bank like she is scholing me no people skills very moody needs to be talked to Read More Reviews (1)
First Bank of Pike Concord Branch	0.40%	$10,000	-	Learn More Add Review
The Citizens Bank of Cochran Dublin Branch	0.40%	$10,000	-	Learn More Add Review
Southern States Bank Columbus Community Branch	0.40%	$10,000	-	Learn More Add Review
Altamaha Bank and Trust Company Hazlehurst Branch	0.40%	$10,000	-	Learn More Add Review
Northeast Georgia Bank Carnesville Branch	0.38%	$10,000	-	Learn More Add Review
First American Bank and Trust Company North Athens Branch	0.35%	$10,000	-	Learn More Add Review
FSNB, National Association	0.35%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Moody Afb Branch	0.35%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
FirstBank Northwest Georgia Bank Branch	0.35%	$10,000	-	Learn More Add Review
CIBC Bank USA North Fulton Branch	0.35%	$100,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Citizens Bank of the South Citizens Bank Of Bulloch County Branch	0.35%	$500	-	Learn More Add Review
Queensborough National Bank & Trust Company Savannah Branch	0.35%	$10,000	-	Learn More Add Review
Planters First Bank Ocilla Branch	0.35%	$10,000	-	Learn More Add Review
Metro City Bank Metro City Bank Branch	0.33%	$1,000	-	Learn More
thedon \| Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More Reviews (1)
First Volunteer Bank Fort Oglethorpe Branch	0.30%	$1,000	-	Learn More
GOb \| Dec 18, 2023 They will not cash savings bonds for non-account holders Read More Reviews (5)
CIBC Bank USA North Fulton Branch	0.30%	$10,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
The Geo. D. Warthen Bank The Geo. D. Warthen Bank Branch	0.30%	$10,000	-	Learn More Add Review
AB&T Ab&T Branch	0.30%	$10,000	-	Learn More Add Review
Carver State Bank Skidaway Road Branch	0.30%	$10,000	-	Learn More Add Review
OneLocal Bank	0.30%	$500	-	Learn More Add Review
Rate History: 0.30% → 1.26% → 0.30%
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
Southeastern Bank Folkston Branch	0.25%	$10,000	-	Learn More Add Review
The Farmers Bank The Farmers Bank Branch	0.25%	$10,000	-	Learn More Add Review
First National Bank of Griffin Hampton Branch	0.25%	$10,000	-	Learn More Add Review
Shinhan Bank America Duluth Branch	0.25%	$10,000	-	Learn More
Lori Kroko \| Mar 10, 2021 I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More Reviews (1)
Renasant Bank Alpharetta Haynes Bridge Village Bra Branch	0.25%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
Rabun County Bank North Rabun Branch	0.20%	$500	-	Learn More Add Review
Security Federal Bank Evans Branch	0.20%	$10,000	-	Learn More
Angry \| Aug 8, 2022 DO NOT USE THIS BANK!!!! My brother passed and unfortunately he had a savings account with these thieves. I properly went through probate court and got an Order for the bank to release the funds to me and... Read More Reviews (2)
Southeast First National Bank Trion Branch	0.20%	$10,000	-	Learn More Add Review
Peoples Bank of East Tennessee Mccaysville Branch	0.20%	$10,000	-	Learn More Add Review
Ameris Bank Butler Branch	0.20%	$10,000	-	Learn More
COLETTE B \| May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More Reviews (4)
Bank of Eastman Magnolia State Bank -gray Branch	0.20%	$10,000	-	Learn More Add Review
United Bank The Woodbury Banking Company Branch	0.20%	$10,000	-	Learn More Add Review
Capital City Bank Highway 84 Branch	0.20%	$100,000	-	Learn More
Scrappy \| Mar 10, 2021 HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More Reviews (1)
Banco Bilbao Vizcaya Argenteria	0.15%	$500	-	Learn More Add Review
The Duffster \| May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More
First Community Bank Augusta Branch	0.15%	$10,000	-	Learn More Add Review
Colony Bank Southside Branch	0.15%	$10,000	-	Learn More Add Review
Citizens Trust Bank West Side Branch	0.15%	$10,000	-	Learn More Add Review
East West Bank Asian Banking Center Branch	0.10%	$10,000	-	Learn More
Bauhinia C \| Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More Reviews (2)
River City Bank River City Bank Branch	0.10%	$10,000	-	Learn More Add Review
First Century Bank, National Association First Century Bank, National Association Branch	0.10%	$10,000	-	Learn More Add Review
Capital City Bank Highway 84 Branch	0.10%	$10,000	-	Learn More
Scrappy \| Mar 10, 2021 HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More Reviews (1)
KeyBank National Association	0.05%	$10,000	-	Learn More
Rate History: 4.75% → 0.01% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
U.S. Bank National Association Georgia Trust Branch	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Regions Bank Dawsonville Hwy Branch	0.03% 0.01%	$2,501 $2,500	-	Learn More Add Review
PNC Bank, National Association Duluth Medlock Bridge Branch	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association Ponce De Leon Branch	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
OneWest Bank, a division of First-Citizens Bank and Trust	0.02%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company Peachtree Branch	0.02%	$500	-	Learn More
Rate History: 0.10% → 0.02% → 0.10% → 0.02%
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
Fifth Third Bank, National Association Lawrenceville Suwanne Financial Bran Branch	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
Finworth, a division of InsBank Cornelia Branch	920 Level Grove Road	Cornelia	GA
Beal Bank USA Atlanta Branch	4511 Olde Perimeter Way, Suite 500	Atlanta	GA
Loyal Trust Bank Loyal Trust Bank Branch	11675 Medlock Bridge Road	Johns Creek	GA
Touchmark National Bank Touchmark National Bank Branch	3651 Old Milton Parkway	Alpharetta	GA
Bank of Hope Lagrange Branch	1508 Lafayette Parkway	Lagrange	GA
Wells Fargo Bank, National Association Cnn Center Omni Branch	One Cnn Center Suite 219	Atlanta	GA
American Commerce Bank, National Association American Commerce Bank, National Association Branch	400 U.S. Highway 27 Bypass	Bremen	GA
JPMorgan Chase Bank, National Association Roswell - Mansell - Branch	976 Mansell Road, Suite 500	Roswell	GA
South Coast Bank & Trust Midway Branch	60 Midway Square	Saint Simons Island	GA
First State Bank Peachtree Street Branch	900 Peachtree Street	Louisville	GA
Community Bank of Georgia Community Bank Of Georgia Branch	700 West Parker Street	Baxley	GA
Bank of Dawson Bank Of Dawson Branch	201-209 Main Street	Dawson	GA
United National Bank United National Bank Branch	722 N Broad St	Cairo	GA
North Georgia National Bank Downtown Calhoun Branch	406 Court Street	Calhoun	GA
Oconee State Bank Oconee State Bank Branch	35 North Main Street	Watkinsville	GA
First IC Bank First Ic Bank Branch	5593 Buford Highway	Doraville	GA
Talbot State Bank Talbot State Bank Branch	76 E. Main Street	Woodland	GA
Georgia Community Bank Drive-In Branch	344 E Lee Street	Dawson	GA
First State Bank of Blakely First State Bank Of Blakely Branch	218 South Main Street	Blakely	GA
ServisFirst Bank Douglasville Branch	2801 Chapel Hill Road	Douglasville	GA
Apex Banking Company of Georgia Wilkinson County Bank Branch	103 East Bank Street	Irwinton	GA
Magnolia State Bank Magnolia State Bank -gray Branch	U.S. Highway 129	Gray	GA
BankSouth Banksouth Branch	6340 Lake Oconee Parkway	Greensboro	GA
First Port City Bank First Port City Bank Branch	400 West Shotwell Street	Bainbridge	GA
Century Bank and Trust Northside Branch	1800 North Columbia Street	Milledgeville	GA
Exchange Bank Exchange Bank Of Lake Oconee Branch	6081 Lake Oconee Parkway	Greensboro	GA
Farmers and Merchants Bank Homerville Branch	Northwest U.S. 84 And Lakeview Drive	Homerville	GA
American Pride Bank American Pride Bank Branch	4740 Log Cabin Drive	Macon	GA
First National Community Bank The Eton Branch	3400 Hwy 411 North	Eton	GA
Farmers and Merchants Bank Homerville Branch	Northwest U.S. 84 And Lakeview Drive	Homerville	GA
F & M Bank and Trust Company F & M Bank And Trust Company Branch	142 West Main Street	Manchester	GA
Citizens Bank & Trust, Inc. Citizens Bank & Trust, Inc. Branch	12255 South Main Street	Trenton	GA
The Peoples Bank Sinclair Branch	1051 Milledgeville Hwy	Eatonton	GA
State Bank of Cochran Wrightsville Branch	2498 W Elm Street	Wrightsville	GA
Bank of Dade Drive-In Branch	4995 Hwy 136 West	Trenton	GA
First Peoples Bank Hamilton Branch	121 South College Street	Hamilton	GA
Commercial Banking Company Tifton Branch	729 W 2nd Street	Tifton	GA
First National Bank of Decatur County First National Bank Of Decatur Count Branch	819 E. Shotwell Street	Bainbridge	GA
Bank of Hazlehurst Bank Of Hazlehurst Branch	22 South Tallahassee Street	Hazlehurst	GA
Signature Bank of Georgia Signature Bank Client Engagement Center Branch	6065 Roswell Road, Suite 110	Sandy Springs	GA
Peoples Bank Peoples Bank Branch	299 West Liberty Street	Lyons	GA
First Bank of Coastal Georgia Richmond Hill Branch	9720 Ford Avenue	Richmond Hill	GA
The Security State Bank The Security State Bank Branch	49 West Oak Street	Mcrae	GA
PrimeSouth Bank Atlantic National Bank Branch	710 Gloucester Street	Brunswick	GA
The Citizens National Bank of Quitman The Citizens National Bank Of Quitma Branch	100 East Stevens Street	Quitman	GA
First Southern Bank Waycross Branch	930 Memorial Drive	Waycross	GA
Bank of Monticello Bank Of Monticello Branch	141 Green Street	Monticello	GA
Durden Banking Company, Incorporated Metter Branch	900 South Lewis Street	Metter	GA
Bank of Dudley Dublin Branch	200 West Jackson Street	Dublin	GA
Pinnacle Bank Braselton Branch	6322 Grand Hickory Drive, Suite 300d	Braselton	GA
First Bank of Coastal Georgia Richmond Hill Branch	9720 Ford Avenue	Richmond Hill	GA
The Claxton Bank Claxton Square Branch	U.S. Highway 301 North And Plyler Street	Claxton	GA
Guardian Bank Guardian Bank Branch	701 Wildwood Plantation Drive	Valdosta	GA
Morris Bank S. Houston Lake Road Office Branch	464 S. Houston Lake Road	Warner Robins	GA
PeoplesSouth Bank Bainbridge Branch	1449 Tallahassess Hwy	Bainbridge	GA
Waycross Bank & Trust Waycross Bank & Trust Branch	501 Tebeau Street	Waycross	GA
Flint Community Bank Flint Community Bank Branch	2910 Meredyth Drive	Albany	GA
South Georgia Banking Company Vienna Branch	210 S. 3rd Street	Vienna	GA
The Commercial Bank The Commercial Bank Branch	102 N. Church Street	Crawford	GA
Sunmark Community Bank Sunmark Community Bank Branch	Commerce And Lumpkin Streets	Hawkinsville	GA
Oconee Federal Savings and Loan Association Toccoa Br Branch	2859 Hwy 17a	Toccoa	GA
First Bank of Pike Concord Branch	9700 Ga Hwy 18	Concord	GA
The Citizens Bank of Cochran Dublin Branch	605 Bellevue Avenue	Dublin	GA
Southern States Bank Columbus Community Branch	5604 Whittlesey Blvd	Columbus	GA
Altamaha Bank & Trust Company Hazlehurst Branch	57 North Tallahassee St	Hazlehurst	GA
Northeast Georgia Bank Carnesville Branch	9535 Lavonia Road	Carnesville	GA
First American Bank and Trust Company North Athens Branch	825 Hull Road	Athens	GA
Armed Forces Bank, National Association Moody Afb Branch	4343 George Street	Valdosta	GA
FirstBank Northwest Georgia Bank Branch	5063 Alabama Highway	Ringgold	GA
CIBC Bank USA North Fulton Branch	5895 Windward Parkway, Suite 150	Alpharetta	GA
Citizens Bank of the South Citizens Bank Of Bulloch County Branch	425 Commerce Drive	Statesboro	GA
Queensborough National Bank & Trust Company Savannah Branch	7393 Hodgson Memorial Drive	Savannah	GA
Planters First Bank Ocilla Branch	Cherry And Fourth Streets	Ocilla	GA
Metro City Bank Metro City Bank Branch	5441 Buford Highway	Doraville	GA
Bank of Hope Lagrange Branch	1508 Lafayette Parkway	Lagrange	GA
Builtwell Bank Fort Oglethorpe Branch	769 Battlefield Parkway	Fort Oglethorpe	GA
CIBC Bank USA North Fulton Branch	5895 Windward Parkway, Suite 150	Alpharetta	GA
The Geo. D. Warthen Bank The Geo. D. Warthen Bank Branch	603 South Harris Street	Sandersville	GA
AB&T Ab&T Branch	2815 Meredyth Drive	Albany	GA
Carver State Bank Skidaway Road Branch	7110 Skidaway Road	Savannah	GA
Southeastern Bank Folkston Branch	4233 2nd Street North	Folkston	GA
The Farmers Bank The Farmers Bank Branch	710 Sibley Avenue	Union Point	GA
First National Bank of Griffin Hampton Branch	996 Bear Creek Boulevard	Hampton	GA
Shinhan Bank America Duluth Branch	2170 Pleasant Hill Road	Duluth	GA
Renasant Bank Alpharetta Haynes Bridge Village Bra Branch	9925 Haynes Bridge Road	Johns Creek	GA
Rabun County Bank North Rabun Branch	7408 Highway 441 North	Dillard	GA
Security Federal Bank Evans Branch	7004 Evans Town Center Blvd.	Evans	GA
Southeast First National Bank Trion Branch	240 Central Avenue	Trion	GA
Peoples Bank of East Tennessee Mccaysville Branch	109 Blue Ridge Drive	Mc Caysville	GA
Ameris Bank Butler Branch	97 South Broad Street	Butler	GA
Magnolia State Bank Magnolia State Bank -gray Branch	U.S. Highway 129	Gray	GA
United Bank The Woodbury Banking Company Branch	33 Jones Mill Road	Woodbury	GA
Capital City Bank Highway 84 Branch	Highway 84 East	Cairo	GA
First Community Bank Augusta Branch	3638 Walton Way Extension	Augusta	GA
Colony Bank Southside Branch	U.S. Highway 129 And Roanoke Drive	Fitzgerald	GA
Citizens Trust Bank West Side Branch	965 Martin Luther King. Jr., Dr.	Atlanta	GA
East West Bank Asian Banking Center Branch	3490 Shallowford Road, Suite 100	Atlanta	GA
River City Bank River City Bank Branch	228 North Second Avenue	Rome	GA
First Century Bank, National Association First Century Bank, National Association Branch	807 Dorsey Street	Gainesville	GA
Capital City Bank Highway 84 Branch	Highway 84 East	Cairo	GA
U.S. Bank National Association Georgia Trust Branch	3384 Peachtree Road, N.E.	Atlanta	GA
Regions Bank Dawsonville Hwy Branch	976 Dawsonville Highway	Gainesville	GA
PNC Bank, National Association Duluth Medlock Bridge Branch	9570 Medlock Bridge Road	Duluth	GA
Bank of America, National Association Ponce De Leon Branch	956 Ponce De Leon Avenue, N.E.	Atlanta	GA
First-Citizens Bank & Trust Company Peachtree Branch	94 Peachtree Street	Atlanta	GA
Regions Bank Dawsonville Hwy Branch	976 Dawsonville Highway	Gainesville	GA
Fifth Third Bank, National Association Lawrenceville Suwanne Financial Bran Branch	870 Lawrenceville Suwanne Road	Lawrenceville	GA

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

Banks offer a range of Certificates of Deposit (CD) with 18 month CDs being a popular term. An eighteen month CD obligates the holder to keep their money in the bank for eighteen months in return for a fixed rate of interest during that time period. All eighteen month bank CDs shown on BestCashCow are FDIC insured.

Eighteen month CDs can be opened in almost any bank branch as the are a mainstay of bank deposit products.

The advantages of an eighteen month CD are:

A slightly higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 18 month period.
FDIC insurance.
Convenience of opening and managing the CD at a local branch.

The disadvantages of an eighteen month branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for 18 months. Removing it early results in significant penalties.
Opening in a branch requires a personal visit.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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Georgia CD Rates – 18-Month

Branches Info around zip 10116

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

The advantages of an eighteen month CD are:

The disadvantages of an eighteen month branch CDs are:

SAVINGS & CD CALCULATOR

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