Georgia

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Cairo, Georgia CD Rates – 6-Month

You are viewing rates from banks across Cairo





Below are the best six-month CD Rates from banks with branches in Cairo, Georgia . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

Cairo, GA - July 16, 2025

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

0.85%

$10,000

18.89

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0.55%

$10,000

18.74

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0.45%

$10,000

12.46

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0.35%

$10,000

18.48

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0.30%

$10,000

0.98

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0.25%

$10,000

24.97

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0.25%

$10,000

18.01

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| 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

0.10%

$10,000

0.47

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| 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

| 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

| 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

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 Cairo, GA - July 16, 2025


Branch Street City State
Family Bank
800 East College Street Branch
800 East College Street Bainbridge GA
First Port City Bank
Southside Branch
1410 Tallahassee Highway Bainbridge GA
Thomasville National Bank
Thomasville National Bank Branch
301 North Broad Street Thomasville GA
First State Bank of Blakely
Bainbridge Branch
1200 E Shotwell St Bainbridge GA
United National Bank
United National Bank Branch
722 N Broad St Cairo GA
Planters and Citizens Bank
Planters And Citizens Bank Branch
21 North Harney Street Camilla GA
Bank of Camilla
Pelham Branch
127 West Railroad Street Pelham GA
Ameris Bank
Ameris Bank Branch
2484 East Pinetree Boulevard Thomasville GA
First National Bank of Decatur County
Cairo Branch
600 N. Broad Street Cairo GA
Capital City Bank
Highway 84 Branch
Highway 84 East Cairo GA
Capital City Bank
Highway 84 Branch
Highway 84 East Cairo GA
Bank OZK
Cairo Branch
802 North Broad Street Cairo GA


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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

  • Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
  • The deposited money is committed for six months.
  • Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

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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