Best 2-Year CD Rates in St. Marys, Georgia, GA

You are viewing rates from banks across St. Marys

Below are two-year Certificates of Deposit (CD) rates from banks in St. Marys, 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.

St. Marys, GA - August 1, 2025

2 Year CD National Average : 0.66% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 270 days interest. Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.15%
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
Loyal Trust Bank Loyal Trust Bank Branch	4.00%	$1,000	-	Learn More Add Review
Sallie Mae Bank	4.00%	$2,500	-	Learn More
Rate History: 4.50% → 4.20% → 4.05% → 3.75% → 4.00%
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)
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 4.34% → 4.00% → 4.00% → 4.21% → 4.00%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
Citizens	3.50%	$5,000	-	Learn More Add Review
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
Vio Bank, A Division of MidFirst Bank	3.50%	$500	-	Learn More Add Review
Rate History: 3.50% → 3.50% → 3.75% → 3.50%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Beal Bank USA Atlanta Branch	3.45%	$1,000	-	Learn More
Rate History: 4.30% → 4.20% → 4.15% → 3.45%
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 Lagrange Branch	3.45% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 3.95% → 3.70% → 3.90% → 3.60% → 3.45%
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)
Finworth Buchanan Branch	3.20%	$50,000	-	Learn More Add Review
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
Touchmark National Bank Touchmark National Bank Branch	3.15%	$1,000	-	Learn More Add Review
Fifth Third Bank, National Association Lawrenceville Branch	3.00% 0.01%	$5,000 $500	-	Learn More
Rate History: 5.00% → 4.00% → 3.50% → 2.00% → 3.00%
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
American Commerce Bank, National Association American Commerce Bank, National Association Branch	2.50%	$500	-	Learn More Add Review
Woodforest National Bank 8225 Duluth Georgia Walmart Branch	2.25%	$500	-	Learn More
Rate History: 1.00% → 1.55% → 2.25% → 3.50% → 2.25%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
City National Bank Atlanta Branch	2.02%	$10,000	-	Learn More Add Review
Rate History: 2.53% → 2.02%
Peoples Bank & Trust Peoples Bank & Trust Branch	2.02%	$500	-	Learn More Add Review
JPMorgan Chase Bank, National Association Lithia Springs Village @ Westfork Br 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)
Bank of Madison Bank Of Madison Branch	1.16%	$10,000	-	Learn More Add Review
South Coast Bank & Trust South Coast Bank & Trust Branch	1.15%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	1.11%	$10,000	-	Learn More Add Review
FNB SOUTH Fnb South Branch	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 Community Bank Of Georgia Branch	1.00%	$10,000	-	Learn More Add Review
Family Bank Family Bank Branch	1.00%	$10,000	-	Learn More Add Review
Pineland Bank Pineland Bank Branch	0.95%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank Nashville Branch	0.95%	$100,000	-	Learn More Add Review
Bank of Newington Bank Of Newington Branch	0.91%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank Nashville Branch	0.90%	$100,000	-	Learn More Add Review
Oconee State Bank Oconee State Bank Branch	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 South Georgia Bank Branch	0.90%	$10,000	-	Learn More Add Review
Bank of Camilla Bank Of Camilla Branch	0.90%	$10,000	-	Learn More Add Review
Talbot State Bank Talbot State Bank Branch	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 The Bank Of La Fayette, Georgia Branch	0.85%	$100,000	-	Learn More Add Review
Bank of Wrightsville Bank Of Wrightsville Branch	0.85%	$10,000	-	Learn More Add Review
Bank of Dawson Bank Of Dawson Branch	0.85%	$10,000	-	Learn More Add Review
United National Bank United National Bank Branch	0.85%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank Nashville Branch	0.80%	$10,000	-	Learn More Add Review
Wheeler County State Bank Wheeler County State Bank Branch	0.75%	$10,000	-	Learn More Add Review
Century Bank and Trust Century Bank And Trust Branch	0.75%	$10,000	-	Learn More Add Review
First State Bank of Blakely Arlington Branch	0.75%	$10,000	-	Learn More Add Review
North Georgia National Bank North Georgia National Bank Branch	0.75%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank Nashville Branch	0.75%	$10,000	-	Learn More Add Review
Bank of Hancock County Bank Of Hancock County Branch	0.75%	$10,000	-	Learn More Add Review
First National Bank of Decatur County Cairo Branch	0.75%	$10,000	-	Learn More Add Review
The Bank of La Fayette, Georgia The Bank Of La Fayette, Georgia Branch	0.75%	$10,000	-	Learn More Add Review
Newton Federal Bank Newton Federal Bank Branch	0.75%	$10,000	-	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	0.75%	$10,000	-	Learn More Add Review
Bank of Monticello Bank Of Monticello Branch	0.75%	$10,000	-	Learn More Add Review
Wilkinson County Bank Wilkinson County Bank Branch	0.75%	$10,000	-	Learn More Add Review
Bank of Lumber City Bank Of Lumber City Branch	0.75%	$10,000	-	Learn More Add Review
First IC Bank First Ic Bank Branch	0.75%	$10,000	-	Learn More Add Review
Peoples Bank Peoples Bank Branch	0.75%	$10,000	-	Learn More Add Review
Mount Vernon Bank Mount Vernon Bank Branch	0.75%	$10,000	-	Learn More Add Review
Vidalia Federal Savings Bank Vidalia Federal Savings Bank Branch	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 Primesouth Bank Branch	0.75%	$10,000	-	Learn More Add Review
Planters and Citizens Bank Planters And Citizens Bank Branch	0.75%	$10,000	-	Learn More Add Review
Georgia Community Bank Bank Of Terrell Branch	0.75%	$10,000	-	Learn More Add Review
First National Community Bank First National Community Bank Branch	0.72%	$10,000	-	Learn More Add Review
ServisFirst Bank Douglasville Branch	0.71%	$10,000	-	Learn More Add Review
Exchange Bank Exchange Bank Branch	0.70%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Valdosta First Federal Savings And Loan Assoc Branch	0.70%	$10,000	-	Learn More Add Review
BankSouth Banksouth Branch	0.70%	$10,000	-	Learn More Add Review
F&M Bank Crawfordville Branch	0.70%	$100,000	-	Learn More Add Review
Signature Bank of Georgia Signature Bank Client Engagement Center Branch	0.70%	$1,000	-	Learn More Add Review
First Port City Bank First Port City Bank Branch	0.70%	$10,000	-	Learn More Add Review
Bank of Eastman Bank Of Eastman Branch	0.70%	$10,000	-	Learn More Add Review
The Peoples Bank The Peoples Bank Branch	0.70%	$10,000	-	Learn More Add Review
State Bank of Cochran State Bank Of Cochran Branch	0.70%	$10,000	-	Learn More Add Review
Bank of Hazlehurst Bank Of Hazlehurst Branch	0.70%	$10,000	-	Learn More Add Review
Community Bank of Pickens County Community Bank Of Pickens County Branch	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 Greenville Branch	0.65%	$10,000	-	Learn More Add Review
Bank of Dade Bank Of Dade Branch	0.65%	$1,000	-	Learn More Add Review
Citizens Bank & Trust, Inc. Citizens Bank & Trust, Inc. Branch	0.65%	$500	-	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)
Community Bank of Pickens County Community Bank Of Pickens County Branch	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 Crawfordville Branch	0.65%	$10,000	-	Learn More Add Review
First Bank of Coastal Georgia First Bank Of Coastal Georgia Branch	0.65%	$100,000	-	Learn More Add Review
Bank of Dudley Bank Of Dudley Branch	0.65%	$10,000	-	Learn More Add Review
The Merchants & Citizens Bank The Merchants & Citizens Bank Branch	0.65%	$10,000	-	Learn More Add Review
Morris Bank Morris Bank Branch	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 Commercial Banking Company Branch	0.60%	$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
Durden Banking Company, Incorporated Durden Banking Company, Incorporated Branch	0.60%	$10,000	-	Learn More Add Review
The Citizens Bank of Cochran The Citizens Bank Of Cochran Branch	0.60%	$10,000	-	Learn More Add Review
First Bank of Coastal Georgia First Bank Of Coastal Georgia Branch	0.60%	$10,000	-	Learn More Add Review
The Claxton Bank The Claxton Bank Branch	0.60%	$10,000	-	Learn More Add Review
Citizens Community Bank Georgia Citizens Community Bank Branch	0.60%	$100,000	-	Learn More Add Review
The Four County Bank The Four County Bank Branch	0.55%	$10,000	-	Learn More Add Review
Waycross Bank & Trust Waycross Bank & Trust Branch	0.55%	$500	-	Learn More Add Review
Pinnacle Bank Covington Branch	0.55%	$500	-	Learn More Add Review
The Citizens National Bank of Quitman The Citizens National Bank Of Quitma Branch	0.55%	$10,000	-	Learn More Add Review
Thomasville National Bank Thomasville National Bank Branch	0.55%	$10,000	-	Learn More Add Review
The Citizens Bank of Georgia The Citizens Bank Of Forsyth County Branch	0.50%	$10,000	-	Learn More Add Review
Community Bank and Trust - West Georgia Community Bank And Trust - West Geor Branch	0.50%	$10,000	-	Learn More Add Review
Planters First Bank Planters First Bank Branch	0.50%	$10,000	-	Learn More Add Review
Citizens Community Bank Georgia Citizens Community Bank Branch	0.50%	$10,000	-	Learn More Add Review
First Southern Bank First Southern Bank Branch	0.50%	$10,000	-	Learn More Add Review
PeoplesSouth Bank Peoplessouth Bank Branch	0.50%	$10,000	-	Learn More Add Review
Community Banking Company of Fitzgerald Community Banking Company Of Fitzger Branch	0.50%	$10,000	-	Learn More Add Review
Flint Community Bank Flint Community Bank Branch	0.50%	$10,000	-	Learn More Add Review
South Georgia Banking Company South Georgia Banking Company Branch	0.50%	$10,000	-	Learn More Add Review
FirstBank Northwest Georgia Bank Branch	0.50%	$10,000	-	Learn More Add Review
Sunmark Community Bank Sunmark Community Bank Branch	0.50%	$10,000	-	Learn More Add Review
Peach State Bank & Trust Peach State Bank & Trust Branch	0.50%	$10,000	-	Learn More Add Review
Carver State Bank Carver State Bank Branch	0.50%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank Farmers & Merchants Bank Branch	0.50%	$10,000	-	Learn More Add Review
The Security State Bank The Security State Bank Branch	0.50%	$10,000	-	Learn More Add Review
Douglas National Bank Douglas National Bank Branch	0.50%	$10,000	-	Learn More Add Review
Guardian Bank Ashley Street Office 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)
The Commercial Bank The Commercial Bank Branch	0.50%	$10,000	-	Learn More Add Review
Altamaha Bank and Trust Company Altamaha Bank And Trust Company Branch	0.45%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Moody Afb Branch	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 First American Bank And Trust Compan Branch	0.45%	$10,000	-	Learn More Add Review
First Bank of Pike First Bank Of Pike Branch	0.45%	$10,000	-	Learn More Add Review
Northeast Georgia Bank Northeast Georgia Bank Branch	0.43%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.40%	$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
The First National Bank of Waynesboro The First National Bank Of Waynesbor 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)
CIBC Bank USA North Fulton Branch	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 Columbus Community Branch	0.40%	$10,000	-	Learn More Add Review
AB&T Ab&T Branch	0.40%	$10,000	-	Learn More Add Review
Queensborough National Bank & Trust Company Wadley Branch	0.40%	$10,000	-	Learn More Add Review
Southeastern Bank Southeastern Bank Branch	0.35%	$10,000	-	Learn More Add Review
The Geo. D. Warthen Bank The Geo. D. Warthen Bank Branch	0.35%	$10,000	-	Learn More Add Review
Southeastern Bank Southeastern Bank Branch	0.35%	$10,000	-	Learn More Add Review
The Bank of Soperton The Bank Of Soperton Branch	0.35%	$500	-	Learn More Add Review
CIBC Bank USA North Fulton Branch	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 Citizens Bank Of The South Branch	0.35%	$500	-	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)
West Central Georgia Bank West Central Georgia Bank Branch	0.30%	$10,000	-	Learn More Add Review
Rabun County Bank Rabun County Bank Branch	0.30%	$500	-	Learn More Add Review
Peoples Bank of East Tennessee Mccaysville Branch	0.30%	$10,000	-	Learn More Add Review
Southeast First National Bank Southeast First National Bank Branch	0.30%	$10,000	-	Learn More Add Review
First National Bank of Griffin First National Bank Of Griffin Branch	0.30%	$10,000	-	Learn More Add Review
Colony Bank Colony Bank Ashburn Branch	0.25%	$10,000	-	Learn More Add Review
Security Federal Bank Evans Branch	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)
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
First Volunteer Bank Ringgold Branch	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 Heritagebank Branch	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 Nab 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)
The Farmers Bank The Farmers Bank Branch	0.25%	$10,000	-	Learn More Add Review
The Peoples Bank of Georgia The Peoples Bank Of Georgia Branch	0.25%	$10,000	-	Learn More Add Review
United Bank Monroe County Bank Branch	0.25%	$10,000	-	Learn More Add Review
Capital City Bank West Point Branch	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 Bank Of Eastman Branch	0.25%	$10,000	-	Learn More Add Review
Great Oaks Bank Rhine Branch	0.25%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
First Community Bank Augusta Branch	0.20%	$10,000	-	Learn More Add Review
Ameris Bank Ameris Bank 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)
Citizens Trust Bank Citizens Trust Bank Branch	0.20%	$10,000	-	Learn More Add Review
Bank OZK Buchanan Branch	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 Vinings Branch	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 River City Bank Branch	0.15%	$10,000	-	Learn More Add Review
Capital City Bank West Point Branch	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 First Century Bank, National Association Branch	0.10%	$10,000	-	Learn More Add Review
First Horizon Bank Ft Oglethorpe Office Branch	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Regions Bank Ballground Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
First-Citizens Bank & Trust Company Toccoa Branch	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 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)
PNC Bank, National Association Montezuma 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 Gainesville Main 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)

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 10007

Branch	Street	City	State
Loyal Trust Bank Loyal Trust Bank Branch	11675 Medlock Bridge Road	Johns Creek	GA
Beal Bank USA Atlanta Branch	4511 Olde Perimeter Way, Suite 500	Atlanta	GA
Bank of Hope Lagrange Branch	1508 Lafayette Parkway	Lagrange	GA
Finworth, a division of InsBank Buchanan Branch	3559 Business 27	Buchanan	GA
Touchmark National Bank Touchmark National Bank Branch	3651 Old Milton Parkway	Alpharetta	GA
Fifth Third Bank, National Association Lawrenceville Branch	165 Nash Street	Lawrenceville	GA
American Commerce Bank, National Association American Commerce Bank, National Association Branch	400 U.S. Highway 27 Bypass	Bremen	GA
Woodforest National Bank 8225 Duluth Georgia Walmart Branch	2635 Pleasant Hill Road	Duluth	GA
City National Bank Atlanta Branch	3333 Piedmont Road	Atlanta	GA
Peoples Bank & Trust Peoples Bank & Trust Branch	1899 Buford Highway	Buford	GA
JPMorgan Chase Bank, National Association Lithia Springs Village @ Westfork Br Branch	610 Thornton Road	Lithia Springs	GA
Bank of Madison Bank Of Madison Branch	133 North Main Street	Madison	GA
South Coast Bank & Trust South Coast Bank & Trust Branch	1500 Newcastle Street	Brunswick	GA
First State Bank First State Bank Branch	300 Broad Street	Wrens	GA
FNB SOUTH Fnb South Branch	423 West 12th Street	Alma	GA
Community Bank of Georgia Community Bank Of Georgia Branch	700 West Parker Street	Baxley	GA
Family Bank Family Bank Branch	134 Hand Avenue	Pelham	GA
Pineland Bank Pineland Bank Branch	501 West 12th Street	Alma	GA
Farmers and Merchants Bank Nashville Branch	202 West Washington Avenue	Nashville	GA
Bank of Newington Bank Of Newington Branch	Broad And Church Streets	Newington	GA
Farmers and Merchants Bank Nashville Branch	202 West Washington Avenue	Nashville	GA
Oconee State Bank Oconee State Bank Branch	35 North Main Street	Watkinsville	GA
South Georgia Bank South Georgia Bank Branch	401 Downing Musgrove Highway	Glennville	GA
Bank of Camilla Bank Of Camilla Branch	50 East Broad Street	Camilla	GA
Talbot State Bank Talbot State Bank Branch	76 E. Main Street	Woodland	GA
The Bank of LaFayette, Georgia The Bank Of La Fayette, Georgia Branch	101 West Patton Street	La Fayette	GA
Bank of Wrightsville Bank Of Wrightsville Branch	156 N. Bradford St.	Wrightsville	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
Farmers and Merchants Bank Nashville Branch	202 West Washington Avenue	Nashville	GA
Wheeler County State Bank Wheeler County State Bank Branch	313 W. Main St.	Alamo	GA
Century Bank and Trust Century Bank And Trust Branch	141 South Wayne Street	Milledgeville	GA
First State Bank of Blakely Arlington Branch	159 North Highland Avenue	Arlington	GA
North Georgia National Bank North Georgia National Bank Branch	350 West Belmont Drive	Calhoun	GA
Farmers and Merchants Bank Nashville Branch	202 West Washington Avenue	Nashville	GA
Bank of Hancock County Bank Of Hancock County Branch	12855 Broad Street	Sparta	GA
First National Bank of Decatur County Cairo Branch	600 N. Broad Street	Cairo	GA
The Bank of LaFayette, Georgia The Bank Of La Fayette, Georgia Branch	101 West Patton Street	La Fayette	GA
Affinity Bank, National Association Newton Federal Bank Branch	3175 Highway 278	Covington	GA
Farmers State Bank Farmers State Bank Branch	U.S. Highway 378 And Ward Avenue	Lincolnton	GA
Bank of Monticello Bank Of Monticello Branch	141 Green Street	Monticello	GA
Apex Banking Company of Georgia Wilkinson County Bank Branch	103 East Bank Street	Irwinton	GA
Bank of Lumber City Bank Of Lumber City Branch	21 Main St	Lumber City	GA
First IC Bank First Ic Bank Branch	5593 Buford Highway	Doraville	GA
Peoples Bank Peoples Bank Branch	299 West Liberty Street	Lyons	GA
Mount Vernon Bank Mount Vernon Bank Branch	101 Railroad Avenue	Mount Vernon	GA
Vidalia Federal Savings Bank Vidalia Federal Savings Bank Branch	300 Jackson Street	Vidalia	GA
PrimeSouth Bank Primesouth Bank Branch	3473 Us Hwy 84	Blackshear	GA
Planters and Citizens Bank Planters And Citizens Bank Branch	21 North Harney Street	Camilla	GA
Georgia Community Bank Bank Of Terrell Branch	250 East Lee Street	Dawson	GA
First National Community Bank First National Community Bank Branch	701 North 3rd Avenue	Chatsworth	GA
ServisFirst Bank Douglasville Branch	2801 Chapel Hill Road	Douglasville	GA
Exchange Bank Exchange Bank Branch	250 West Hancock Street	Milledgeville	GA
First Federal Savings and Loan Association of Valdosta First Federal Savings And Loan Assoc Branch	411 N Patterson St	Valdosta	GA
BankSouth Banksouth Branch	6340 Lake Oconee Parkway	Greensboro	GA
F&M Bank Crawfordville Branch	123 Broad Street	Crawfordville	GA
Signature Bank of Georgia Signature Bank Client Engagement Center Branch	6065 Roswell Road, Suite 110	Sandy Springs	GA
First Port City Bank First Port City Bank Branch	400 West Shotwell Street	Bainbridge	GA
Magnolia State Bank Bank Of Eastman Branch	130 Oak Street	Eastman	GA
The Peoples Bank The Peoples Bank Branch	209 South Jefferson Street	Eatonton	GA
State Bank of Cochran State Bank Of Cochran Branch	112 E Beech Street	Cochran	GA
Bank of Hazlehurst Bank Of Hazlehurst Branch	22 South Tallahassee Street	Hazlehurst	GA
Community Bank of Pickens County Community Bank Of Pickens County Branch	15 Sammy Mcghee Blvd	Jasper	GA
First Peoples Bank Greenville Branch	412 Lagrange Street	Greenville	GA
Bank of Dade Bank Of Dade Branch	12634 North Main Street	Trenton	GA
Citizens Bank & Trust, Inc. Citizens Bank & Trust, Inc. Branch	12255 South Main Street	Trenton	GA
American Pride Bank American Pride Bank Branch	4740 Log Cabin Drive	Macon	GA
Community Bank of Pickens County Community Bank Of Pickens County Branch	15 Sammy Mcghee Blvd	Jasper	GA
F&M Bank Crawfordville Branch	123 Broad Street	Crawfordville	GA
First Bank of Coastal Georgia First Bank Of Coastal Georgia Branch	250 West Bacon Street	Pembroke	GA
Bank of Dudley Bank Of Dudley Branch	1448 Second Street	Dudley	GA
The Merchants & Citizens Bank The Merchants & Citizens Bank Branch	6 College Street	Mcrae	GA
Morris Bank Morris Bank Branch	301 Bellevue Avenue	Dublin	GA
Commercial Banking Company Commercial Banking Company Branch	3462 North Valdosta Road	Valdosta	GA
F & M Bank and Trust Company F & M Bank And Trust Company Branch	142 West Main Street	Manchester	GA
Durden Banking Company, Incorporated Durden Banking Company, Incorporated Branch	111 North Railroad Avenue	Twin City	GA
The Citizens Bank of Cochran The Citizens Bank Of Cochran Branch	124 East Dykes Street	Cochran	GA
First Bank of Coastal Georgia First Bank Of Coastal Georgia Branch	250 West Bacon Street	Pembroke	GA
The Claxton Bank The Claxton Bank Branch	121 West Main Street	Claxton	GA
Citizens Community Bank Georgia Citizens Community Bank Branch	120 West Main Street	Hahira	GA
The Four County Bank The Four County Bank Branch	959 Main Street	Allentown	GA
Waycross Bank & Trust Waycross Bank & Trust Branch	501 Tebeau Street	Waycross	GA
Pinnacle Bank Covington Branch	6124 Highway 278 Ne	Covington	GA
The Citizens National Bank of Quitman The Citizens National Bank Of Quitma Branch	100 East Stevens Street	Quitman	GA
Thomasville National Bank Thomasville National Bank Branch	301 North Broad Street	Thomasville	GA
The Citizens Bank of Georgia The Citizens Bank Of Forsyth County Branch	651 Veterans Memorial Boulevard	Cumming	GA
Community Bank and Trust - West Georgia Community Bank And Trust - West Geor Branch	201 Broad Street	Lagrange	GA
Planters First Bank Planters First Bank Branch	1620 East Sixteenth Avenue	Cordele	GA
Citizens Community Bank Georgia Citizens Community Bank Branch	120 West Main Street	Hahira	GA
First Southern Bank First Southern Bank Branch	6365 Highway 84	Patterson	GA
PeoplesSouth Bank Peoplessouth Bank Branch	203 W Crawford Street	Colquitt	GA
Community Banking Company Community Banking Company Of Fitzger Branch	102 West Roanoke Drive	Fitzgerald	GA
Flint Community Bank Flint Community Bank Branch	2910 Meredyth Drive	Albany	GA
South Georgia Banking Company South Georgia Banking Company Branch	5515 Alabama Avenue	Omega	GA
FirstBank Northwest Georgia Bank Branch	5063 Alabama Highway	Ringgold	GA
Sunmark Community Bank Sunmark Community Bank Branch	Commerce And Lumpkin Streets	Hawkinsville	GA
Peach State Bank & Trust Peach State Bank & Trust Branch	325 Washington Street	Gainesville	GA
Carver State Bank Carver State Bank Branch	701 Martin Luther King, Jr. Boulevard	Savannah	GA
Farmers & Merchants Bank Farmers & Merchants Bank Branch	100 South Madison Avenue	Eatonton	GA
The Security State Bank The Security State Bank Branch	49 West Oak Street	Mcrae	GA
Douglas National Bank Douglas National Bank Branch	211 East Ward Street	Douglas	GA
Guardian Bank Ashley Street Office Branch	1906 North Ashley Street	Valdosta	GA
The Commercial Bank The Commercial Bank Branch	102 N. Church Street	Crawford	GA
Altamaha Bank & Trust Company Altamaha Bank And Trust Company Branch	206 Jackson Street	Vidalia	GA
Armed Forces Bank, National Association Moody Afb Branch	4343 George Street	Valdosta	GA
First American Bank and Trust Company First American Bank And Trust Compan Branch	300 College Avenue	Athens	GA
First Bank of Pike First Bank Of Pike Branch	50 Springs Road	Molena	GA
Northeast Georgia Bank Northeast Georgia Bank Branch	69 Augusta Road	Lavonia	GA
The First National Bank of Waynesboro The First National Bank Of Waynesbor Branch	626 Liberty Street	Waynesboro	GA
Oconee Federal Savings and Loan Association Toccoa Br Branch	2859 Hwy 17a	Toccoa	GA
CIBC Bank USA North Fulton Branch	5895 Windward Parkway, Suite 150	Alpharetta	GA
Southern States Bank Columbus Community Branch	5604 Whittlesey Blvd	Columbus	GA
AB&T Ab&T Branch	2815 Meredyth Drive	Albany	GA
Queensborough National Bank & Trust Company Wadley Branch	116 North Main Street	Wadley	GA
Southeastern Bank Southeastern Bank Branch	1010 North Way	Darien	GA
The Geo. D. Warthen Bank The Geo. D. Warthen Bank Branch	216 North Harris Street	Sandersville	GA
Southeastern Bank Southeastern Bank Branch	1010 North Way	Darien	GA
Georgia First Bank The Bank Of Soperton Branch	1202 Second Street North	Soperton	GA
CIBC Bank USA North Fulton Branch	5895 Windward Parkway, Suite 150	Alpharetta	GA
Citizens Bank of the South Citizens Bank Of The South Branch	132 South Harris Street	Sandersville	GA
Metro City Bank Metro City Bank Branch	5441 Buford Highway	Doraville	GA
West Central Georgia Bank West Central Georgia Bank Branch	617 North Church Street	Thomaston	GA
Rabun County Bank Rabun County Bank Branch	121 Rickman Street	Clayton	GA
Bank of Hope Lagrange Branch	1508 Lafayette Parkway	Lagrange	GA
Peoples Bank of East Tennessee Mccaysville Branch	109 Blue Ridge Drive	Mc Caysville	GA
Southeast First National Bank Southeast First National Bank Branch	10144 Commerce Street	Summerville	GA
First National Bank of Griffin First National Bank Of Griffin Branch	318 South Hill Street	Griffin	GA
Colony Bank Colony Bank Ashburn Branch	515 East Washington Avenue	Ashburn	GA
Security Federal Bank Evans Branch	7004 Evans Town Center Blvd.	Evans	GA
Builtwell Bank Ringgold Branch	5102 Alabama Highway	Ringgold	GA
Renasant Bank Heritagebank Branch	104 West Main Street	Reidsville	GA
Shinhan Bank America Nab Branch	10500 Old Alabama Road Connector	Alpharetta	GA
The Farmers Bank The Farmers Bank Branch	202-A South Main Street	Greensboro	GA
The Peoples Bank of Georgia The Peoples Bank Of Georgia Branch	26 West Monroe Street	Talbotton	GA
United Bank Monroe County Bank Branch	1 East Main Street	Forsyth	GA
Capital City Bank West Point Branch	410 West 10th Street	West Point	GA
Magnolia State Bank Bank Of Eastman Branch	130 Oak Street	Eastman	GA
Great Oaks Bank Rhine Branch	390 Second Street	Rhine	GA
First Community Bank Augusta Branch	3638 Walton Way Extension	Augusta	GA
Ameris Bank Ameris Bank Branch	300 South Main Street	Moultrie	GA
Citizens Trust Bank Citizens Trust Bank Branch	75 Piedmont Avenue, Northeast	Atlanta	GA
Bank OZK Buchanan Branch	3559 Business 27	Buchanan	GA
East West Bank Vinings Branch	2727 Paces Ferry Road, N.W., Suite 150	Atlanta	GA
River City Bank River City Bank Branch	228 North Second Avenue	Rome	GA
Capital City Bank West Point Branch	410 West 10th Street	West Point	GA
First Century Bank, National Association First Century Bank, National Association Branch	807 Dorsey Street	Gainesville	GA
First Horizon Bank Ft Oglethorpe Office Branch	1409 Dietz Road	Ringgold	GA
Regions Bank Ballground Branch	2995 Canton Highway	Ball Ground	GA
First-Citizens Bank & Trust Company Toccoa Branch	122 North Alexander Street	Toccoa	GA
U.S. Bank National Association Georgia Trust Branch	3384 Peachtree Road, N.E.	Atlanta	GA
PNC Bank, National Association Montezuma Branch	115 North Dooly Street	Montezuma	GA
Bank of America, National Association Gainesville Main Branch	402 Washington Street	Gainesville	GA
Regions Bank Ballground Branch	2995 Canton Highway	Ball Ground	GA
Fifth Third Bank, National Association Lawrenceville Branch	165 Nash Street	Lawrenceville	GA

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PRODUCT INFORMATION

Two Year CDs - Branch Banks 2025

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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PRODUCT INFORMATION

Two Year CDs - Branch Banks 2025

The advantages of a two year branch CD are:

The disadvantages of a two year branch CDs are:

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