Best 2-Year CD Rates in LaFayette, Georgia, GA

You are viewing rates from banks across LaFayette

Below are two-year Certificates of Deposit (CD) rates from banks in LaFayette, Georgia. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

LaFayette, GA - September 20, 2024

2 Year CD National Average : 0.66% ^?

Banks	APY	MIN	MILES ^?
Beal Bank USA	4.15%	$1,000	-	Learn More
Rate History: 4.30% → 4.20% → 4.15%
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)
Bank of Hope	3.90% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 3.95% → 3.70% → 3.90%
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)
Touchmark National Bank	3.50%	$1,000	-	Learn More Add Review
Fifth Third Bank, National Association	3.50% 0.01%	$5,000 $500	-	Learn More
Rate History: 5.00% → 4.00% → 3.50%
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
American Commerce Bank, National Association	2.50%	$500	-	Learn More Add Review
JPMorgan Chase Bank, National Association	2.50%	$10,000	-	Learn More
Rate History: 3.00% → 2.50%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Century Bank of Georgia	2.40%	$1,000	-	Learn More Add Review
City National Bank	2.02%	$10,000	-	Learn More Add Review
Rate History: 2.53% → 2.02%
Peoples Bank & Trust	2.02%	$500	-	Learn More Add Review
Woodforest National Bank	1.55%	$500	-	Learn More
Rate History: 1.00% → 1.55%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Bank of Madison	1.16%	$10,000	-	Learn More Add Review
South Coast Bank & Trust	1.15%	$10,000	-	Learn More Add Review
First State Bank	1.11%	$10,000	-	Learn More Add Review
FNB SOUTH	1.01%	$10,000	-	Learn More
It's just me \| Aug 20, 2022 FNB FOLKSTON,GA, Ga. is the BEST bank to do business with, they go above and beyond for their customers, staff Is Great!! Sure miss some of the former employees though!! Read More Reviews (1)
Community Bank of Georgia	1.00%	$10,000	-	Learn More Add Review
Family Bank	1.00%	$10,000	-	Learn More Add Review
Pineland Bank	0.95%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank	0.95%	$100,000	-	Learn More Add Review
Bank of Newington	0.91%	$10,000	-	Learn More Add Review
Georgia Primary Bank	0.90%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank	0.90%	$100,000	-	Learn More Add Review
Oconee State Bank	0.90%	$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)
South Georgia Bank	0.90%	$10,000	-	Learn More Add Review
Bank of Camilla	0.90%	$10,000	-	Learn More Add Review
Talbot State Bank	0.85%	$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)
The Bank of La Fayette, Georgia	0.85%	$100,000	-	Learn More Add Review
The Piedmont Bank	0.85%	$10,000	-	Learn More Add Review
Bank of Wrightsville	0.85%	$10,000	-	Learn More Add Review
Bank of Dawson	0.85%	$10,000	-	Learn More Add Review
United National Bank	0.85%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank	0.80%	$10,000	-	Learn More Add Review
First Chatham Bank	0.80%	$10,000	-	Learn More
314201 \| Sep 18, 2018 I have been a satisfied customer at the Hodgson Memorial branch. The customer service is always excellent. Jenny Collins has been especially helpful and professional. Read More Reviews (1)
Wheeler County State Bank	0.75%	$10,000	-	Learn More Add Review
Century Bank and Trust	0.75%	$10,000	-	Learn More Add Review
First State Bank of Blakely	0.75%	$10,000	-	Learn More Add Review
North Georgia National Bank	0.75%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank	0.75%	$10,000	-	Learn More Add Review
Bank of Hancock County	0.75%	$10,000	-	Learn More Add Review
First National Bank of Decatur County	0.75%	$10,000	-	Learn More Add Review
The Bank of La Fayette, Georgia	0.75%	$10,000	-	Learn More Add Review
Newton Federal Bank	0.75%	$10,000	-	Learn More Add Review
Farmers State Bank	0.75%	$10,000	-	Learn More Add Review
Bank of Monticello	0.75%	$10,000	-	Learn More Add Review
Wilkinson County Bank	0.75%	$10,000	-	Learn More Add Review
Bank of Lumber City	0.75%	$10,000	-	Learn More Add Review
First IC Bank	0.75%	$10,000	-	Learn More Add Review
Peoples Bank	0.75%	$10,000	-	Learn More Add Review
Mount Vernon Bank	0.75%	$10,000	-	Learn More Add Review
Vidalia Federal Savings Bank	0.75%	$10,000	-	Learn More
adriane jackson \| Aug 29, 2015 hello I need to know how much it is to open a regular savings that gains intrest Read More Reviews (1)
PrimeSouth Bank	0.75%	$10,000	-	Learn More Add Review
Planters and Citizens Bank	0.75%	$10,000	-	Learn More Add Review
Georgia Community Bank	0.75%	$10,000	-	Learn More Add Review
First National Community Bank	0.72%	$10,000	-	Learn More Add Review
ServisFirst Bank	0.71%	$10,000	-	Learn More Add Review
Exchange Bank	0.70%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Valdosta	0.70%	$10,000	-	Learn More Add Review
BankSouth	0.70%	$10,000	-	Learn More Add Review
F&M Bank	0.70%	$100,000	-	Learn More Add Review
Signature Bank of Georgia	0.70%	$1,000	-	Learn More Add Review
First Port City Bank	0.70%	$10,000	-	Learn More Add Review
Bank of Eastman	0.70%	$10,000	-	Learn More Add Review
The Peoples Bank	0.70%	$10,000	-	Learn More Add Review
State Bank of Cochran	0.70%	$10,000	-	Learn More Add Review
Bank of Hazlehurst	0.70%	$10,000	-	Learn More Add Review
Community Bank of Pickens County	0.70%	$100,000	-	Learn More
bdowda \| Feb 12, 2022 The rate information listed here is incorrect, but Community Bank of Pickens County is a great bank with great customer service. I opened an account today so not sure the source this website uses, but the ... Read More Reviews (1)
First Peoples Bank	0.65%	$10,000	-	Learn More Add Review
Bank of Dade	0.65%	$1,000	-	Learn More Add Review
Citizens Bank & Trust, Inc.	0.65%	$500	-	Learn More Add Review
American Pride Bank	0.65%	$10,000	-	Learn More
Lily \| Dec 14, 2021 no reveiw Read More Reviews (1)
Community Bank of Pickens County	0.65%	$500	-	Learn More
bdowda \| Feb 12, 2022 The rate information listed here is incorrect, but Community Bank of Pickens County is a great bank with great customer service. I opened an account today so not sure the source this website uses, but the ... Read More Reviews (1)
F&M Bank	0.65%	$10,000	-	Learn More Add Review
First Bank of Coastal Georgia	0.65%	$100,000	-	Learn More Add Review
Bank of Dudley	0.65%	$10,000	-	Learn More Add Review
The Merchants & Citizens Bank	0.65%	$10,000	-	Learn More Add Review
OneSouth Bank	0.65%	$10,000	-	Learn More Add Review
Morris Bank	0.60%	$10,000	-	Learn More
Samantha \| Dec 14, 2021 Awesome i lost half my money and they paid me triple Read More Reviews (1)
Commercial Banking Company	0.60%	$10,000	-	Learn More Add Review
F & M Bank and Trust Company	0.60%	$10,000	-	Learn More Add Review
Durden Banking Company, Incorporated	0.60%	$10,000	-	Learn More Add Review
The Citizens Bank of Cochran	0.60%	$10,000	-	Learn More Add Review
First Bank of Coastal Georgia	0.60%	$10,000	-	Learn More Add Review
The Claxton Bank	0.60%	$10,000	-	Learn More Add Review
Citizens Community Bank	0.60%	$100,000	-	Learn More Add Review
The Four County Bank	0.55%	$10,000	-	Learn More Add Review
Waycross Bank & Trust	0.55%	$500	-	Learn More Add Review
Pinnacle Bank	0.55%	$500	-	Learn More Add Review
The Citizens National Bank of Quitman	0.55%	$10,000	-	Learn More Add Review
Thomasville National Bank	0.55%	$10,000	-	Learn More Add Review
The Citizens Bank of Georgia	0.50%	$10,000	-	Learn More Add Review
Community Bank and Trust - West Georgia	0.50%	$10,000	-	Learn More Add Review
Planters First Bank	0.50%	$10,000	-	Learn More Add Review
Wilcox County State Bank	0.50%	$10,000	-	Learn More Add Review
Citizens Community Bank	0.50%	$10,000	-	Learn More Add Review
First Southern Bank	0.50%	$10,000	-	Learn More Add Review
PeoplesSouth Bank	0.50%	$10,000	-	Learn More Add Review
Community Banking Company of Fitzgerald	0.50%	$10,000	-	Learn More Add Review
Flint Community Bank	0.50%	$10,000	-	Learn More Add Review
South Georgia Banking Company	0.50%	$10,000	-	Learn More Add Review
FirstBank	0.50%	$10,000	-	Learn More Add Review
Sunmark Community Bank	0.50%	$10,000	-	Learn More Add Review
Peach State Bank & Trust	0.50%	$10,000	-	Learn More Add Review
Carver State Bank	0.50%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank	0.50%	$10,000	-	Learn More Add Review
The Security State Bank	0.50%	$10,000	-	Learn More Add Review
Douglas National Bank	0.50%	$10,000	-	Learn More Add Review
Guardian Bank	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)
The Commercial Bank	0.50%	$10,000	-	Learn More Add Review
Altamaha Bank and Trust Company	0.45%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association	0.45%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
First American Bank and Trust Company	0.45%	$10,000	-	Learn More Add Review
First Bank of Pike	0.45%	$10,000	-	Learn More Add Review
Northeast Georgia Bank	0.43%	$10,000	-	Learn More Add Review
The First National Bank of Waynesboro	0.40%	$10,000	-	Learn More Add Review
Oconee Federal Savings and Loan Association	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)
CIBC Bank USA	0.40%	$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)
Southern States Bank	0.40%	$10,000	-	Learn More Add Review
AB&T	0.40%	$10,000	-	Learn More Add Review
Queensborough National Bank & Trust Company	0.40%	$10,000	-	Learn More Add Review
Southeastern Bank	0.35%	$10,000	-	Learn More Add Review
The Geo. D. Warthen Bank	0.35%	$10,000	-	Learn More Add Review
Southeastern Bank	0.35%	$10,000	-	Learn More Add Review
The Bank of Soperton	0.35%	$500	-	Learn More Add Review
CIBC Bank USA	0.35%	$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)
Citizens Bank of the South	0.35%	$500	-	Learn More Add Review
Metro City Bank	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)
West Central Georgia Bank	0.30%	$10,000	-	Learn More Add Review
Rabun County Bank	0.30%	$500	-	Learn More Add Review
Peoples Bank of East Tennessee	0.30%	$10,000	-	Learn More Add Review
Southeast First National Bank	0.30%	$10,000	-	Learn More Add Review
First National Bank of Griffin	0.30%	$10,000	-	Learn More Add Review
Colony Bank	0.25%	$10,000	-	Learn More Add Review
Security Federal Bank	0.25%	$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)
First Volunteer Bank	0.25%	$1,000	-	Learn More
GOb \| Dec 18, 2023 They will not cash savings bonds for non-account holders Read More Reviews (5)
Renasant Bank	0.25%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
Shinhan Bank America	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)
The Farmers Bank	0.25%	$10,000	-	Learn More Add Review
The Peoples Bank of Georgia	0.25%	$10,000	-	Learn More Add Review
United Bank	0.25%	$10,000	-	Learn More Add Review
Capital City Bank	0.25%	$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)
Bank of Eastman	0.25%	$10,000	-	Learn More Add Review
Great Oaks Bank	0.25%	$10,000	-	Learn More Add Review
First Community Bank	0.20%	$10,000	-	Learn More Add Review
Ameris Bank	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)
Citizens Trust Bank	0.20%	$10,000	-	Learn More Add Review
Bank OZK	0.20%	$1,000	-	Learn More
HB \| Sep 12, 2023 Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding... Read More Reviews (11)
East West Bank	0.15%	$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	0.15%	$10,000	-	Learn More Add Review
Capital City Bank	0.15%	$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)
First Century Bank, National Association	0.10%	$10,000	-	Learn More Add Review
First Horizon Bank	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Regions Bank	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
First-Citizens Bank & Trust Company	0.05%	$500	-	Learn More
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)
U.S. Bank National Association	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)
PNC Bank, National Association	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	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)

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

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PRODUCT INFORMATION

Two Year CDs - Branch Banks 2024

Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.

While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.

In general, if rates are rising, it makes sense not to lock up money for an extended period of time.

If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.

Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.

The advantages of a two year branch CD are:

A higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 24 month period.
A generally higher rate for the same term than what can be found in a branch-based bank.
FDIC insurance.
Convenience of opening and managing the CD online.

The disadvantages of a two year branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for two years. Removing it early results in significant penalties.
Opening online can often take several days. Problems must be handled online or via the phone as there is no branch.

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.

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LaFayette, Georgia CD Rates – 2-Year

PRODUCT INFORMATION

Two Year CDs - Branch Banks 2024

The advantages of a two year branch CD are:

The disadvantages of a two year branch CDs are:

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