Best 4-Year CD Rates in Sugar Hill, Georgia, GA

You are viewing rates from banks across Sugar Hill

Below are four-year CD Rates from banks in Georgia . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

Sugar Hill, GA - August 1, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 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
Merrick Bank	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%
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)
Beal Bank USA Atlanta Branch	3.45%	$1,000	-	Learn More
Rate History: 3.95% → 3.85% → 3.80% → 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	3.35% 0.35%	$250,000 $1,000	-	Learn More
Rate History: 3.55% → 3.45% → 3.65% → 3.35%
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)
Loyal Trust Bank Loyal Trust Bank Branch	3.35%	$1,000	-	Learn More Add Review
Touchmark National Bank Touchmark National Bank Branch	3.15%	$1,000	-	Learn More Add Review
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$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
American Commerce Bank, National Association American Commerce Bank, National Association Branch	2.50%	$500	-	Learn More Add Review
JPMorgan Chase Bank, National Association Lithia Springs Village @ Westfork Br Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 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)
First State Bank First State Bank Branch	1.55%	$10,000	-	Learn More Add Review
City National Bank Atlanta Branch	1.51%	$10,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
The Peoples Bank of Georgia The Peoples Bank Of Georgia Branch	1.41%	$10,000	-	Learn More Add Review
Bank of Madison Bank Of Madison Branch	1.36%	$10,000	-	Learn More Add Review
Woodforest National Bank 8225 Duluth Georgia Walmart Branch	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30% → 1.40% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Georgia Community Bank Bank Of Terrell Branch	1.26%	$10,000	-	Learn More Add Review
FNB SOUTH Fnb South Branch	1.26%	$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)
Mount Vernon Bank Mount Vernon Bank Branch	1.25%	$10,000	-	Learn More Add Review
Family Bank Family Bank Branch	1.25%	$10,000	-	Learn More Add Review
Bank of Wrightsville Bank Of Wrightsville Branch	1.25%	$10,000	-	Learn More Add Review
Bank of Newington Bank Of Newington Branch	1.21%	$10,000	-	Learn More Add Review
Bank of Monticello Bank Of Monticello Branch	1.20%	$10,000	-	Learn More Add Review
Bank of Camilla Bank Of Camilla Branch	1.20%	$10,000	-	Learn More Add Review
South Coast Bank & Trust South Coast Bank & Trust Branch	1.15%	$10,000	-	Learn More Add Review
First Peoples Bank Greenville Branch	1.10%	$10,000	-	Learn More Add Review
South Georgia Bank South Georgia Bank Branch	1.10%	$10,000	-	Learn More Add Review
United National Bank United National Bank Branch	1.10%	$10,000	-	Learn More Add Review
American Pride Bank American Pride Bank Branch	1.05%	$10,000	-	Learn More
Lily \| Dec 14, 2021 no reveiw Read More Reviews (1)
Pineland Bank Pineland Bank Branch	1.03%	$10,000	-	Learn More Add Review
Planters and Citizens Bank Planters And Citizens Bank Branch	1.01%	$10,000	-	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	1.00%	$10,000	-	Learn More Add Review
Talbot State Bank Talbot State Bank Branch	1.00%	$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)
Durden Banking Company, Incorporated Durden Banking Company, Incorporated Branch	1.00%	$10,000	-	Learn More Add Review
The Bank of La Fayette, Georgia The Bank Of La Fayette, Georgia Branch	1.00%	$100,000	-	Learn More Add Review
Century Bank and Trust Century Bank And Trust Branch	1.00%	$10,000	-	Learn More Add Review
Oconee State Bank Oconee State Bank Branch	1.00%	$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)
Community Bank of Georgia Community Bank Of Georgia Branch	1.00%	$10,000	-	Learn More Add Review
Bank of Dudley Bank Of Dudley Branch	1.00%	$10,000	-	Learn More Add Review
Newton Federal Bank Newton Federal Bank Branch	0.95%	$10,000	-	Learn More Add Review
First Bank of Coastal Georgia First Bank Of Coastal Georgia Branch	0.95%	$100,000	-	Learn More Add Review
Bank of Eastman Bank Of Eastman Branch	0.90%	$10,000	-	Learn More Add Review
Exchange Bank Exchange Bank Branch	0.90%	$10,000	-	Learn More Add Review
First National Bank of Decatur County Cairo Branch	0.90%	$10,000	-	Learn More Add Review
The Bank of La Fayette, Georgia The Bank Of La Fayette, Georgia Branch	0.90%	$10,000	-	Learn More Add Review
Morris Bank Morris Bank Branch	0.90%	$10,000	-	Learn More
Samantha \| Dec 14, 2021 Awesome i lost half my money and they paid me triple Read More Reviews (1)
First Bank of Coastal Georgia First Bank Of Coastal Georgia Branch	0.90%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Valdosta First Federal Savings And Loan Assoc Branch	0.90%	$10,000	-	Learn More Add Review
Citizens Bank & Trust, Inc. Citizens Bank & Trust, Inc. Branch	0.90%	$500	-	Learn More Add Review
Bank of Dade Bank Of Dade Branch	0.85%	$1,000	-	Learn More Add Review
Signature Bank of Georgia Signature Bank Client Engagement Center Branch	0.85%	$1,000	-	Learn More Add Review
Farmers & Merchants Bank Farmers & Merchants Bank Branch	0.85%	$10,000	-	Learn More Add Review
BankSouth Banksouth Branch	0.85%	$10,000	-	Learn More Add Review
Carver State Bank Carver State Bank Branch	0.85%	$10,000	-	Learn More Add Review
F&M Bank Crawfordville Branch	0.85%	$100,000	-	Learn More Add Review
First National Community Bank First National Community Bank Branch	0.81%	$10,000	-	Learn More Add Review
The Claxton Bank The Claxton Bank Branch	0.80%	$10,000	-	Learn More Add Review
Planters First Bank Planters First Bank Branch	0.80%	$10,000	-	Learn More Add Review
The Citizens Bank of Cochran The Citizens Bank Of Cochran Branch	0.80%	$10,000	-	Learn More Add Review
Oconee Federal Savings and Loan Association Toccoa Br Branch	0.80%	$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)
F&M Bank Crawfordville Branch	0.80%	$10,000	-	Learn More Add Review
The Peoples Bank The Peoples Bank Branch	0.80%	$10,000	-	Learn More Add Review
Peoples Bank & Trust Peoples Bank & Trust Branch	0.80%	$500	-	Learn More Add Review
Southern States Bank Columbus Community Branch	0.75%	$10,000	-	Learn More Add Review
Thomasville National Bank Thomasville National Bank Branch	0.75%	$10,000	-	Learn More Add Review
The Citizens National Bank of Quitman The Citizens National Bank Of Quitma Branch	0.75%	$10,000	-	Learn More Add Review
F & M Bank and Trust Company F & M Bank And Trust Company Branch	0.75%	$10,000	-	Learn More Add Review
Sunmark Community Bank Sunmark Community 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)
Pinnacle Bank Covington Branch	0.75%	$500	-	Learn More Add Review
ServisFirst Bank Douglasville Branch	0.71%	$10,000	-	Learn More Add Review
First American Bank and Trust Company First American Bank And Trust Compan Branch	0.70%	$10,000	-	Learn More Add Review
Commercial Banking Company Commercial Banking Company Branch	0.70%	$10,000	-	Learn More Add Review
Peach State Bank & Trust Peach State Bank & Trust Branch	0.70%	$10,000	-	Learn More Add Review
The Commercial Bank The Commercial Bank Branch	0.70%	$10,000	-	Learn More Add Review
First Bank of Pike First Bank Of Pike Branch	0.70%	$10,000	-	Learn More Add Review
First Port City Bank First Port City Bank Branch	0.70%	$10,000	-	Learn More Add Review
Rabun County Bank Rabun County Bank Branch	0.65%	$500	-	Learn More Add Review
Peoples Bank of East Tennessee Mccaysville Branch	0.65%	$10,000	-	Learn More Add Review
FirstBank Northwest Georgia Bank Branch	0.65%	$10,000	-	Learn More Add Review
Flint Community Bank Flint Community Bank Branch	0.65%	$10,000	-	Learn More Add Review
Waycross Bank & Trust Waycross Bank & Trust Branch	0.65%	$500	-	Learn More Add Review
Citizens Community Bank Georgia Citizens Community Bank Branch	0.65%	$100,000	-	Learn More Add Review
PeoplesSouth Bank Peoplessouth Bank Branch	0.65%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Moody Afb Branch	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Southeast First National Bank Southeast First National Bank Branch	0.60%	$10,000	-	Learn More Add Review
Altamaha Bank and Trust Company Altamaha Bank And Trust Company Branch	0.60%	$10,000	-	Learn More Add Review
Community Banking Company of Fitzgerald Community Banking Company Of Fitzger Branch	0.55%	$10,000	-	Learn More Add Review
Douglas National Bank Douglas National Bank Branch	0.55%	$10,000	-	Learn More Add Review
First National Bank of Griffin First National Bank Of Griffin Branch	0.55%	$10,000	-	Learn More Add Review
Citizens Community Bank Georgia Citizens Community 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
Wheeler County State Bank Wheeler County State Bank Branch	0.50%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$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
United Bank Monroe County Bank Branch	0.50%	$10,000	-	Learn More Add Review
AB&T Ab&T Branch	0.50%	$10,000	-	Learn More Add Review
Queensborough National Bank & Trust Company Wadley Branch	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Waynesboro The First National Bank Of Waynesbor Branch	0.50%	$10,000	-	Learn More Add Review
CIBC Bank USA North Fulton Branch	0.50%	$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)
Bank of Eastman Bank Of Eastman Branch	0.50%	$10,000	-	Learn More Add Review
First Southern Bank First Southern Bank Branch	0.50%	$10,000	-	Learn More Add Review
Capital City Bank West Point Branch	0.50%	$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)
Great Oaks Bank Rhine 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
Southeastern Bank Southeastern Bank Branch	0.45%	$10,000	-	Learn More Add Review
Security Federal Bank Evans Branch	0.45%	$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)
CIBC Bank USA North Fulton Branch	0.45%	$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)
Southeastern Bank Southeastern Bank Branch	0.45%	$10,000	-	Learn More Add Review
The Farmers Bank The Farmers Bank 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)
Citizens Trust Bank Citizens Trust Bank Branch	0.30%	$10,000	-	Learn More Add Review
Colony Bank Colony Bank Ashburn Branch	0.30%	$10,000	-	Learn More Add Review
First Community Bank Augusta Branch	0.30%	$10,000	-	Learn More Add Review
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)
River City Bank River City Bank Branch	0.25%	$10,000	-	Learn More Add Review
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
Capital City Bank West Point Branch	0.25%	$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)
Citizens Trust Bank Citizens Trust Bank Branch	0.25%	$100,000	-	Learn More Add Review
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)
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
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)
East West Bank Vinings Branch	0.20%	$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)
First-Citizens Bank & Trust Company Toccoa Branch	0.15%	$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	0.15%	$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)
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%
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)
Fifth Third Bank, National Association Lawrenceville 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 10007

Branch	Street	City	State
Beal Bank USA Atlanta Branch	4511 Olde Perimeter Way, Suite 500	Atlanta	GA
Bank of Hope Lagrange Branch	1508 Lafayette Parkway	Lagrange	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
American Commerce Bank, National Association American Commerce Bank, National Association Branch	400 U.S. Highway 27 Bypass	Bremen	GA
JPMorgan Chase Bank, National Association Lithia Springs Village @ Westfork Br Branch	610 Thornton Road	Lithia Springs	GA
First State Bank First State Bank Branch	300 Broad Street	Wrens	GA
City National Bank Atlanta Branch	3333 Piedmont Road	Atlanta	GA
The Peoples Bank of Georgia The Peoples Bank Of Georgia Branch	26 West Monroe Street	Talbotton	GA
Bank of Madison Bank Of Madison Branch	133 North Main Street	Madison	GA
Woodforest National Bank 8225 Duluth Georgia Walmart Branch	2635 Pleasant Hill Road	Duluth	GA
Georgia Community Bank Bank Of Terrell Branch	250 East Lee Street	Dawson	GA
FNB SOUTH Fnb South Branch	423 West 12th Street	Alma	GA
Mount Vernon Bank Mount Vernon Bank Branch	101 Railroad Avenue	Mount Vernon	GA
Family Bank Family Bank Branch	134 Hand Avenue	Pelham	GA
Bank of Wrightsville Bank Of Wrightsville Branch	156 N. Bradford St.	Wrightsville	GA
Bank of Newington Bank Of Newington Branch	Broad And Church Streets	Newington	GA
Bank of Monticello Bank Of Monticello Branch	141 Green Street	Monticello	GA
Bank of Camilla Bank Of Camilla Branch	50 East Broad Street	Camilla	GA
South Coast Bank & Trust South Coast Bank & Trust Branch	1500 Newcastle Street	Brunswick	GA
First Peoples Bank Greenville Branch	412 Lagrange Street	Greenville	GA
South Georgia Bank South Georgia Bank Branch	401 Downing Musgrove Highway	Glennville	GA
United National Bank United National Bank Branch	722 N Broad St	Cairo	GA
American Pride Bank American Pride Bank Branch	4740 Log Cabin Drive	Macon	GA
Pineland Bank Pineland Bank Branch	501 West 12th Street	Alma	GA
Planters and Citizens Bank Planters And Citizens Bank Branch	21 North Harney Street	Camilla	GA
Farmers State Bank Farmers State Bank Branch	U.S. Highway 378 And Ward Avenue	Lincolnton	GA
Talbot State Bank Talbot State Bank Branch	76 E. Main Street	Woodland	GA
Durden Banking Company, Incorporated Durden Banking Company, Incorporated Branch	111 North Railroad Avenue	Twin City	GA
The Bank of LaFayette, Georgia The Bank Of La Fayette, Georgia Branch	101 West Patton Street	La Fayette	GA
Century Bank and Trust Century Bank And Trust Branch	141 South Wayne Street	Milledgeville	GA
Oconee State Bank Oconee State Bank Branch	35 North Main Street	Watkinsville	GA
Community Bank of Georgia Community Bank Of Georgia Branch	700 West Parker Street	Baxley	GA
Bank of Dudley Bank Of Dudley Branch	1448 Second Street	Dudley	GA
Affinity Bank, National Association Newton Federal Bank Branch	3175 Highway 278	Covington	GA
First Bank of Coastal Georgia First Bank Of Coastal Georgia Branch	250 West Bacon Street	Pembroke	GA
Magnolia State Bank Bank Of Eastman Branch	130 Oak Street	Eastman	GA
Exchange Bank Exchange Bank Branch	250 West Hancock Street	Milledgeville	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
Morris Bank Morris Bank Branch	301 Bellevue Avenue	Dublin	GA
First Bank of Coastal Georgia First Bank Of Coastal Georgia Branch	250 West Bacon Street	Pembroke	GA
First Federal Savings and Loan Association of Valdosta First Federal Savings And Loan Assoc Branch	411 N Patterson St	Valdosta	GA
Citizens Bank & Trust, Inc. Citizens Bank & Trust, Inc. Branch	12255 South Main Street	Trenton	GA
Bank of Dade Bank Of Dade Branch	12634 North Main Street	Trenton	GA
Signature Bank of Georgia Signature Bank Client Engagement Center Branch	6065 Roswell Road, Suite 110	Sandy Springs	GA
Farmers & Merchants Bank Farmers & Merchants Bank Branch	100 South Madison Avenue	Eatonton	GA
BankSouth Banksouth Branch	6340 Lake Oconee Parkway	Greensboro	GA
Carver State Bank Carver State Bank Branch	701 Martin Luther King, Jr. Boulevard	Savannah	GA
F&M Bank Crawfordville Branch	123 Broad Street	Crawfordville	GA
First National Community Bank First National Community Bank Branch	701 North 3rd Avenue	Chatsworth	GA
The Claxton Bank The Claxton Bank Branch	121 West Main Street	Claxton	GA
Planters First Bank Planters First Bank Branch	1620 East Sixteenth Avenue	Cordele	GA
The Citizens Bank of Cochran The Citizens Bank Of Cochran Branch	124 East Dykes Street	Cochran	GA
Oconee Federal Savings and Loan Association Toccoa Br Branch	2859 Hwy 17a	Toccoa	GA
F&M Bank Crawfordville Branch	123 Broad Street	Crawfordville	GA
The Peoples Bank The Peoples Bank Branch	209 South Jefferson Street	Eatonton	GA
Peoples Bank & Trust Peoples Bank & Trust Branch	1899 Buford Highway	Buford	GA
Southern States Bank Columbus Community Branch	5604 Whittlesey Blvd	Columbus	GA
Thomasville National Bank Thomasville National Bank Branch	301 North Broad Street	Thomasville	GA
The Citizens National Bank of Quitman The Citizens National Bank Of Quitma Branch	100 East Stevens Street	Quitman	GA
F & M Bank and Trust Company F & M Bank And Trust Company Branch	142 West Main Street	Manchester	GA
Sunmark Community Bank Sunmark Community Bank Branch	Commerce And Lumpkin Streets	Hawkinsville	GA
Vidalia Federal Savings Bank Vidalia Federal Savings Bank Branch	300 Jackson Street	Vidalia	GA
Pinnacle Bank Covington Branch	6124 Highway 278 Ne	Covington	GA
ServisFirst Bank Douglasville Branch	2801 Chapel Hill Road	Douglasville	GA
First American Bank and Trust Company First American Bank And Trust Compan Branch	300 College Avenue	Athens	GA
Commercial Banking Company Commercial Banking Company Branch	3462 North Valdosta Road	Valdosta	GA
Peach State Bank & Trust Peach State Bank & Trust Branch	325 Washington Street	Gainesville	GA
The Commercial Bank The Commercial Bank Branch	102 N. Church Street	Crawford	GA
First Bank of Pike First Bank Of Pike Branch	50 Springs Road	Molena	GA
First Port City Bank First Port City Bank Branch	400 West Shotwell Street	Bainbridge	GA
Rabun County Bank Rabun County Bank Branch	121 Rickman Street	Clayton	GA
Peoples Bank of East Tennessee Mccaysville Branch	109 Blue Ridge Drive	Mc Caysville	GA
FirstBank Northwest Georgia Bank Branch	5063 Alabama Highway	Ringgold	GA
Flint Community Bank Flint Community Bank Branch	2910 Meredyth Drive	Albany	GA
Waycross Bank & Trust Waycross Bank & Trust Branch	501 Tebeau Street	Waycross	GA
Citizens Community Bank Georgia Citizens Community Bank Branch	120 West Main Street	Hahira	GA
PeoplesSouth Bank Peoplessouth Bank Branch	203 W Crawford Street	Colquitt	GA
Armed Forces Bank, National Association Moody Afb Branch	4343 George Street	Valdosta	GA
Southeast First National Bank Southeast First National Bank Branch	10144 Commerce Street	Summerville	GA
Altamaha Bank & Trust Company Altamaha Bank And Trust Company Branch	206 Jackson Street	Vidalia	GA
Community Banking Company Community Banking Company Of Fitzger Branch	102 West Roanoke Drive	Fitzgerald	GA
Douglas National Bank Douglas National Bank Branch	211 East Ward Street	Douglas	GA
First National Bank of Griffin First National Bank Of Griffin Branch	318 South Hill Street	Griffin	GA
Citizens Community Bank Georgia Citizens Community Bank Branch	120 West Main Street	Hahira	GA
The Citizens Bank of Georgia The Citizens Bank Of Forsyth County Branch	651 Veterans Memorial Boulevard	Cumming	GA
Wheeler County State Bank Wheeler County State Bank Branch	313 W. Main St.	Alamo	GA
United Bank Monroe County Bank Branch	1 East Main Street	Forsyth	GA
AB&T Ab&T Branch	2815 Meredyth Drive	Albany	GA
Queensborough National Bank & Trust Company Wadley Branch	116 North Main Street	Wadley	GA
The First National Bank of Waynesboro The First National Bank Of Waynesbor Branch	626 Liberty Street	Waynesboro	GA
CIBC Bank USA North Fulton Branch	5895 Windward Parkway, Suite 150	Alpharetta	GA
Magnolia State Bank Bank Of Eastman Branch	130 Oak Street	Eastman	GA
First Southern Bank First Southern Bank Branch	6365 Highway 84	Patterson	GA
Capital City Bank West Point Branch	410 West 10th Street	West Point	GA
Great Oaks Bank Rhine Branch	390 Second Street	Rhine	GA
Community Bank and Trust - West Georgia Community Bank And Trust - West Geor Branch	201 Broad Street	Lagrange	GA
Southeastern Bank Southeastern Bank Branch	1010 North Way	Darien	GA
Security Federal Bank Evans Branch	7004 Evans Town Center Blvd.	Evans	GA
CIBC Bank USA North Fulton Branch	5895 Windward Parkway, Suite 150	Alpharetta	GA
Southeastern Bank Southeastern Bank Branch	1010 North Way	Darien	GA
Bank of Hope Lagrange Branch	1508 Lafayette Parkway	Lagrange	GA
The Farmers Bank The Farmers Bank Branch	202-A South Main Street	Greensboro	GA
Metro City Bank Metro City Bank Branch	5441 Buford Highway	Doraville	GA
Citizens Trust Bank Citizens Trust Bank Branch	75 Piedmont Avenue, Northeast	Atlanta	GA
Colony Bank Colony Bank Ashburn Branch	515 East Washington Avenue	Ashburn	GA
First Community Bank Augusta Branch	3638 Walton Way Extension	Augusta	GA
Builtwell Bank Ringgold Branch	5102 Alabama Highway	Ringgold	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
Citizens Trust Bank Citizens Trust Bank Branch	75 Piedmont Avenue, Northeast	Atlanta	GA
Renasant Bank Heritagebank Branch	104 West Main Street	Reidsville	GA
Ameris Bank Ameris Bank Branch	300 South Main Street	Moultrie	GA
East West Bank Vinings Branch	2727 Paces Ferry Road, N.W., Suite 150	Atlanta	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
First Horizon Bank Ft Oglethorpe Office Branch	1409 Dietz Road	Ringgold	GA
Regions Bank Ballground Branch	2995 Canton Highway	Ball Ground	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

See rates for Online Banks →

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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

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

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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Sugar Hill, Georgia CD Rates – 4-Year

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Georgia

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