Best 4-Year CD Rates in Georgia, GA

You are viewing rates from banks across Georgia

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.

GA - August 4, 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
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
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)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%
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)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
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)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$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	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
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	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
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
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
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
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
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
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
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
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
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	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
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)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 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
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
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
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)
Touchmark National Bank Touchmark National Bank Branch	3.15%	$1,000	-	Learn More Add Review
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
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
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
Citizens	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
American Commerce Bank, National Association American Commerce Bank, National Association Branch	2.50%	$500	-	Learn More Add Review
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
New Millennium Bank	2.00%	$500	-	Learn More Add Review
Rate History: 2.00% → 2.50% → 2.00% → 2.50% → 2.00%
Citibank, National Association	2.00%	$0	-	Learn More
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)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association Roswell - Mansell - 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)
Hyperion Bank	1.75%	$500	-	Learn More Add Review
Rate History: 1.95% → 1.75%
First State Bank Peachtree Street 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%
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
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)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
The Peoples Bank of Georgia The Peoples Bank Of Georgia Branch	1.41%	$10,000	-	Learn More Add Review
Bank of Madison Eatontown Road Branch	1.36%	$10,000	-	Learn More Add Review
Tandem Bank	1.31%	$10,000	-	Learn More Add Review
Woodforest National Bank Roswell Ga 8256 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 Drive-In 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)
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
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
Mount Vernon Bank West First Street Branch	1.25%	$10,000	-	Learn More Add Review
Family Bank 800 East College Street 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 Midway Branch	1.15%	$10,000	-	Learn More Add Review
First Peoples Bank Hamilton Branch	1.10%	$10,000	-	Learn More Add Review
South Georgia Bank Hinesville 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 Kingsland 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 Washington 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)
Wallis Bank	1.00%	$100,000	-	Learn More Add Review
Durden Banking Company, Incorporated Metter Branch	1.00%	$10,000	-	Learn More Add Review
The Bank of La Fayette, Georgia West Main-Chattanooga Branch	1.00%	$100,000	-	Learn More Add Review
CoastalStates Bank	1.00%	$10,000	-	Learn More Add Review
Century Bank and Trust Northside 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 Dublin Branch	1.00%	$10,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Wallis Bank	0.95%	$10,000	-	Learn More Add Review
Newton Federal Bank Newton Federal Savings And Loan East Branch	0.95%	$10,000	-	Learn More Add Review
First Bank of Coastal Georgia Richmond Hill Branch	0.95%	$100,000	-	Learn More Add Review
Bank of Eastman Magnolia State Bank -gray Branch	0.90%	$10,000	-	Learn More Add Review
Exchange Bank Exchange Bank Of Lake Oconee Branch	0.90%	$10,000	-	Learn More Add Review
First National Bank of Decatur County First National Bank Of Decatur Count Branch	0.90%	$10,000	-	Learn More Add Review
The Bank of La Fayette, Georgia West Main-Chattanooga Branch	0.90%	$10,000	-	Learn More Add Review
Morris Bank S. Houston Lake Road Office 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 Richmond Hill Branch	0.90%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Valdosta Lakes Blvd. 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 Drive-In Branch	0.85%	$1,000	-	Learn More Add Review
South State Bank, National Association	0.85%	$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)
Signature Bank of Georgia Signature Bank Client Engagement Center Branch	0.85%	$1,000	-	Learn More Add Review
Farmers & Merchants Bank Oconee Parkway Branch	0.85%	$10,000	-	Learn More Add Review
BankSouth Banksouth Branch	0.85%	$10,000	-	Learn More Add Review
Carver State Bank Skidaway Road Branch	0.85%	$10,000	-	Learn More Add Review
F&M Bank Tignall Branch	0.85%	$100,000	-	Learn More Add Review
First National Community Bank The Eton Branch	0.81%	$10,000	-	Learn More Add Review
The Claxton Bank Claxton Square Branch	0.80%	$10,000	-	Learn More Add Review
Planters First Bank Ocilla Branch	0.80%	$10,000	-	Learn More Add Review
The Citizens Bank of Cochran Dublin 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 Tignall Branch	0.80%	$10,000	-	Learn More Add Review
The Peoples Bank Sinclair 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 Braselton 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 North Athens Branch	0.70%	$10,000	-	Learn More Add Review
Commercial Banking Company Tifton 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 Concord 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 North Rabun 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 Valdosta Branch	0.65%	$100,000	-	Learn More Add Review
PeoplesSouth Bank Bainbridge 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 Trion Branch	0.60%	$10,000	-	Learn More Add Review
Altamaha Bank and Trust Company Hazlehurst Branch	0.60%	$10,000	-	Learn More Add Review
Community Banking Company of Fitzgerald South Main Street 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 Hampton Branch	0.55%	$10,000	-	Learn More Add Review
Citizens Community Bank Georgia Valdosta 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 The Woodbury Banking Company 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 Savannah 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 Magnolia State Bank -gray Branch	0.50%	$10,000	-	Learn More Add Review
First Southern Bank Waycross Branch	0.50%	$10,000	-	Learn More Add Review
Capital City Bank Highway 84 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 Citizens Bank & Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
Community Bank and Trust - West Georgia Columbus Main Banking Center Branch	0.50%	$10,000	-	Learn More Add Review
Southeastern Bank Folkston 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 Folkston 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 West Side Branch	0.30%	$10,000	-	Learn More Add Review
Colony Bank Southside 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 Fort Oglethorpe 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 Highway 84 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 West Side Branch	0.25%	$100,000	-	Learn More Add Review
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)
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 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)
East West Bank Asian Banking Center 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)
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company Peachtree 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 Ringgold Financial Center Branch	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Regions Bank Dawsonville Hwy Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 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)
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)
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
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 Roswell - Mansell - Branch	976 Mansell Road, Suite 500	Roswell	GA
First State Bank Peachtree Street Branch	900 Peachtree Street	Louisville	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 Eatontown Road Branch	1540 Eatonton Road	Madison	GA
Woodforest National Bank Roswell Ga 8256 Branch	970 Mansell Road	Roswell	GA
Georgia Community Bank Drive-In Branch	344 E Lee Street	Dawson	GA
FNB SOUTH Fnb South Branch	914 South Peterson Avenue	Douglas	GA
Mount Vernon Bank West First Street Branch	402 West First Street	Vidalia	GA
Family Bank 800 East College Street Branch	800 East College Street	Bainbridge	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 Midway Branch	60 Midway Square	Saint Simons Island	GA
First Peoples Bank Hamilton Branch	121 South College Street	Hamilton	GA
South Georgia Bank Hinesville Branch	737 South Main Street	Hinesville	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 Kingsland Branch	201 East King Avenue	Kingsland	GA
Planters and Citizens Bank Planters And Citizens Bank Branch	21 North Harney Street	Camilla	GA
Farmers State Bank Washington Branch	209 East Court Street	Washington	GA
Talbot State Bank Talbot State Bank Branch	76 E. Main Street	Woodland	GA
Durden Banking Company, Incorporated Metter Branch	900 South Lewis Street	Metter	GA
The Bank of LaFayette, Georgia West Main-Chattanooga Branch	West Main And Chattanooga Streets	Lafayette	GA
Century Bank and Trust Northside Branch	1800 North Columbia 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 Dublin Branch	200 West Jackson Street	Dublin	GA
Affinity Bank, National Association Newton Federal Savings And Loan East Branch	8258 Highway 278	Covington	GA
First Bank of Coastal Georgia Richmond Hill Branch	9720 Ford Avenue	Richmond Hill	GA
Magnolia State Bank Magnolia State Bank -gray Branch	U.S. Highway 129	Gray	GA
Exchange Bank Exchange Bank Of Lake Oconee Branch	6081 Lake Oconee Parkway	Greensboro	GA
First National Bank of Decatur County First National Bank Of Decatur Count Branch	819 E. Shotwell Street	Bainbridge	GA
The Bank of LaFayette, Georgia West Main-Chattanooga Branch	West Main And Chattanooga Streets	Lafayette	GA
Morris Bank S. Houston Lake Road Office Branch	464 S. Houston Lake Road	Warner Robins	GA
First Bank of Coastal Georgia Richmond Hill Branch	9720 Ford Avenue	Richmond Hill	GA
First Federal Savings and Loan Association of Valdosta Lakes Blvd. Branch	801 Lakes Blvd.	Lake Park	GA
Citizens Bank & Trust, Inc. Citizens Bank & Trust, Inc. Branch	12255 South Main Street	Trenton	GA
Bank of Dade Drive-In Branch	4995 Hwy 136 West	Trenton	GA
Signature Bank of Georgia Signature Bank Client Engagement Center Branch	6065 Roswell Road, Suite 110	Sandy Springs	GA
Farmers & Merchants Bank Oconee Parkway Branch	1011 Lake Oconee Parkway	Eatonton	GA
BankSouth Banksouth Branch	6340 Lake Oconee Parkway	Greensboro	GA
Carver State Bank Skidaway Road Branch	7110 Skidaway Road	Savannah	GA
F&M Bank Tignall Branch	114 South Hulin Avenue	Tignall	GA
First National Community Bank The Eton Branch	3400 Hwy 411 North	Eton	GA
The Claxton Bank Claxton Square Branch	U.S. Highway 301 North And Plyler Street	Claxton	GA
Planters First Bank Ocilla Branch	Cherry And Fourth Streets	Ocilla	GA
The Citizens Bank of Cochran Dublin Branch	605 Bellevue Avenue	Dublin	GA
Oconee Federal Savings and Loan Association Toccoa Br Branch	2859 Hwy 17a	Toccoa	GA
F&M Bank Tignall Branch	114 South Hulin Avenue	Tignall	GA
The Peoples Bank Sinclair Branch	1051 Milledgeville Hwy	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 Braselton Branch	6322 Grand Hickory Drive, Suite 300d	Braselton	GA
ServisFirst Bank Douglasville Branch	2801 Chapel Hill Road	Douglasville	GA
First American Bank and Trust Company North Athens Branch	825 Hull Road	Athens	GA
Commercial Banking Company Tifton Branch	729 W 2nd Street	Tifton	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 Concord Branch	9700 Ga Hwy 18	Concord	GA
First Port City Bank First Port City Bank Branch	400 West Shotwell Street	Bainbridge	GA
Rabun County Bank North Rabun Branch	7408 Highway 441 North	Dillard	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 Valdosta Branch	3261 North Valdosta Road	Valdosta	GA
PeoplesSouth Bank Bainbridge Branch	1449 Tallahassess Hwy	Bainbridge	GA
Armed Forces Bank, National Association Moody Afb Branch	4343 George Street	Valdosta	GA
Southeast First National Bank Trion Branch	240 Central Avenue	Trion	GA
Altamaha Bank & Trust Company Hazlehurst Branch	57 North Tallahassee St	Hazlehurst	GA
Community Banking Company South Main Street Branch	220 South Main Street	Fitzgerald	GA
Douglas National Bank Douglas National Bank Branch	211 East Ward Street	Douglas	GA
First National Bank of Griffin Hampton Branch	996 Bear Creek Boulevard	Hampton	GA
Citizens Community Bank Georgia Valdosta Branch	3261 North Valdosta Road	Valdosta	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 The Woodbury Banking Company Branch	33 Jones Mill Road	Woodbury	GA
AB&T Ab&T Branch	2815 Meredyth Drive	Albany	GA
Queensborough National Bank & Trust Company Savannah Branch	7393 Hodgson Memorial Drive	Savannah	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 Magnolia State Bank -gray Branch	U.S. Highway 129	Gray	GA
First Southern Bank Waycross Branch	930 Memorial Drive	Waycross	GA
Capital City Bank Highway 84 Branch	Highway 84 East	Cairo	GA
Great Oaks Bank Citizens Bank & Trust Company Branch	5101 Fifth Avenue	Eastman	GA
Community Bank and Trust - West Georgia Columbus Main Banking Center Branch	5420 Veteran's Parkway	Columbus	GA
Southeastern Bank Folkston Branch	4233 2nd Street North	Folkston	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 Folkston Branch	4233 2nd Street North	Folkston	GA
Bank of Hope Lagrange Branch	1508 Lafayette Parkway	Lagrange	GA
The Farmers Bank The Farmers Bank Branch	710 Sibley Avenue	Union Point	GA
Metro City Bank Metro City Bank Branch	5441 Buford Highway	Doraville	GA
Citizens Trust Bank West Side Branch	965 Martin Luther King. Jr., Dr.	Atlanta	GA
Colony Bank Southside Branch	U.S. Highway 129 And Roanoke Drive	Fitzgerald	GA
First Community Bank Augusta Branch	3638 Walton Way Extension	Augusta	GA
Builtwell Bank Fort Oglethorpe Branch	769 Battlefield Parkway	Fort Oglethorpe	GA
River City Bank River City Bank Branch	228 North Second Avenue	Rome	GA
Capital City Bank Highway 84 Branch	Highway 84 East	Cairo	GA
Citizens Trust Bank West Side Branch	965 Martin Luther King. Jr., Dr.	Atlanta	GA
Renasant Bank Alpharetta Haynes Bridge Village Bra Branch	9925 Haynes Bridge Road	Johns Creek	GA
Ameris Bank Butler Branch	97 South Broad Street	Butler	GA
East West Bank Asian Banking Center Branch	3490 Shallowford Road, Suite 100	Atlanta	GA
First-Citizens Bank & Trust Company Peachtree Branch	94 Peachtree Street	Atlanta	GA
U.S. Bank National Association Georgia Trust Branch	3384 Peachtree Road, N.E.	Atlanta	GA
First Horizon Bank Ringgold Financial Center Branch	5038 Alabama Highway	Ringgold	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
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

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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Georgia CD Rates – 4-Year

Branches Info around zip 10116

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

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