You are viewing rates across Georgia


Georgia CD Rates

Below are the best one year CD Rates from banks in Georgia. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

GA - February 7, 2016

1 Year CD National Average : 0.37% ?

Bank APY MIN MILES ?
Touchmark National Bank 1.15% $10,000 - Learn MoreShow Less
Beal Bank Usa 1.01% $1,000 - Learn MoreShow Less
Glennville Bank 1.00% $100,000 - Learn MoreShow Less
The Piedmont Bank 1.00% $500 - Learn MoreShow Less
Georgia Primary Bank 1.00% $1,000 - Learn MoreShow Less
First State Bank Of Randolph County 0.90% $500 - Learn MoreShow Less
First State Bank Of Blakely 0.85% $100 - Learn MoreShow Less
American Commerce Bank, National Association 0.85% $2,500 - Learn MoreShow Less
Metro City Bank 0.84% $1,000 - Learn MoreShow Less
First Intercontinental Bank 0.80% $1,000 - Learn MoreShow Less
Shinhan Bank America 0.80% $1,000 - Learn MoreShow Less
Noa Bank 0.80% $1,000 - Learn MoreShow Less
Farmers & Merchants Bank 0.80% $100,000 - Learn MoreShow Less
Providence Bank 0.75% $500 - Learn MoreShow Less
The Peoples Bank 0.75% $2,000 - Learn MoreShow Less
Bank Of Terrell 0.75% $1,000 - Learn MoreShow Less
Chattahoochee Bank Of Georgia 0.75% $500 - Learn MoreShow Less
Bank Of Dawson 0.75% $100,000 - Learn MoreShow Less
The Citizens Bank 0.75% $100,000 - Learn MoreShow Less
Armed Forces Bank, National Association 0.75% $500 - Learn MoreShow Less
Bank Of Early 0.70% $100 - Learn MoreShow Less
Alma Exchange Bank & Trust 0.70% $500 - Learn MoreShow Less
Farmers & Merchants Bank 0.70% $1,000 - Learn MoreShow Less
Bank Of Dawson 0.70% $1,000 - Learn MoreShow Less
First National Bank South 0.66% $500 - Learn MoreShow Less
Community Bank Of Pickens County 0.65% $100,000 - Learn MoreShow Less
Family Bank 0.65% $1,000 - Learn MoreShow Less
Embassy National Bank 0.65% $500 - Learn MoreShow Less
Bank Of Newington 0.65% $100,000 - Learn MoreShow Less
The Citizens National Bank Of Quitman 0.65% $1,000 - Learn MoreShow Less
Citizens Community Bank 0.65% $50,000 - Learn MoreShow Less
First Landmark Bank 0.65% $1,000 - Learn MoreShow Less
Gwinnett Community Bank 0.65% $500 - Learn MoreShow Less
The Brand Banking Company 0.61% $500 - Learn MoreShow Less
First State Bank 0.60% $500 - Learn MoreShow Less
Georgia Primary Bank 0.60% $1,000 - Learn MoreShow Less
South Georgia Bank 0.60% $500 - Learn MoreShow Less
Douglas National Bank 0.60% $500 - Learn MoreShow Less
Wheeler County State Bank 0.60% $1,000 - Learn MoreShow Less
Bank Of Wrightsville 0.60% $1,000 - Learn MoreShow Less
Bank Of Newington 0.60% $1,000 - Learn MoreShow Less
American Commerce Bank, National Association 0.60% $500 - Learn MoreShow Less
First National Bank Of Coffee County 0.60% $500 - Learn MoreShow Less
First Federal Savings And Loan Association Of Valdosta 0.60% $1,000 - Learn MoreShow Less
Servisfirst Bank 0.60% $1,000 - Learn MoreShow Less
Plantersfirst 0.55% $500 - Learn MoreShow Less
The Peoples Bank Of Talbotton 0.55% $500 - Learn MoreShow Less
The Trust Bank 0.55% $500 - Learn MoreShow Less
Affinity Bank 0.55% $10,000 - Learn MoreShow Less
The Citizens State Bank Of Taylor County 0.55% $500 - Learn MoreShow Less
Atlantic Coast Bank 0.55% $100,000 - Learn MoreShow Less
Morris Bank 0.55% $500 - Learn MoreShow Less
Community Bank Of Georgia 0.55% $500 - Learn MoreShow Less
Sunmark Community Bank 0.55% $100,000 - Learn MoreShow Less
Community Bank Of Pickens County 0.55% $500 - Learn MoreShow Less
First Chatham Bank 0.55% $1,000 - Learn MoreShow Less
Stearns Bank National Association 0.55% $2,500 - Learn MoreShow Less
Bank Of Early 0.55% $100 - Learn MoreShow Less
The Security State Bank 0.55% $500 - Learn MoreShow Less
The Merchants & Citizens Bank 0.55% $500 - Learn MoreShow Less
Peoples State Bank & Trust 0.55% $500 - Learn MoreShow Less
Bank Of Hancock County 0.55% $500 - Learn MoreShow Less
Wilcox County State Bank 0.55% $1,000 - Learn MoreShow Less
Citizens Community Bank 0.55% $500 - Learn MoreShow Less
American Pride Bank 0.55% $500 - Learn MoreShow Less
Bank Of Alapaha 0.55% $500 - Learn MoreShow Less
The Four County Bank 0.51% $500 - Learn MoreShow Less
Bank Of Hazlehurst 0.50% $1,000 - Learn MoreShow Less
Southern States Bank 0.50% $1,000 - Learn MoreShow Less
Citizens Bank & Trust Company 0.50% $1,000 - Learn MoreShow Less
The Citizens Bank Of Swainsboro 0.50% $500 - Learn MoreShow Less
The Citizens Bank 0.50% $1,000 - Learn MoreShow Less
Community Bank Of The South 0.50% $5,000 - Learn MoreShow Less
The Claxton Bank 0.50% $500 - Learn MoreShow Less
Atlantic National Bank 0.50% $1,000 - Learn MoreShow Less
Sunmark Community Bank 0.50% $500 - Learn MoreShow Less
Vidalia Federal Savings Bank 0.50% $1,000 - Learn MoreShow Less
Peoples Bank & Trust 0.50% $500 - Learn MoreShow Less
Colony Bank 0.50% $500 - Learn MoreShow Less
Resurgens Bank 0.50% $500 - Learn MoreShow Less
Fidelity Bank 0.50% $500 - Learn MoreShow Less
Ab&t National Bank 0.50% $500 - Learn MoreShow Less
Legacy State Bank 0.50% $500 - Learn MoreShow Less
Bank Of Dudley 0.50% $100 - Learn MoreShow Less
Community Banking Company Of Fitzgerald 0.50% $1,000 - Learn MoreShow Less
Wilkinson County Bank 0.50% $1,000 - Learn MoreShow Less
South Georgia Banking Company 0.50% $1,000 - Learn MoreShow Less
Talbot State Bank 0.50% $500 - Learn MoreShow Less
Peoplessouth Bank 0.50% $500 - Learn MoreShow Less
State Bank Of Cochran 0.50% $1,000 - Learn MoreShow Less
Bank Of Eastman 0.50% $500 - Learn MoreShow Less
Bank Of Camilla 0.50% $1,000 - Learn MoreShow Less
Peoples Bank 0.50% $500 - Learn MoreShow Less
Citizens State Bank 0.50% $100,000 - Learn MoreShow Less
Flint Community Bank 0.50% $1,000 - Learn MoreShow Less
Southern Bank 0.50% $1,000 - Learn MoreShow Less
First Southern Bank 0.46% $500 - Learn MoreShow Less
First Bank Of Coastal Georgia 0.45% $100,000 - Learn MoreShow Less
Keyworth Bank 0.45% $500 - Learn MoreShow Less
Bank Of Eastman 0.45% $500 - Learn MoreShow Less
Farmers & Merchants Bank 0.45% $1,000 - Learn MoreShow Less
Exchange Bank 0.45% $500 - Learn MoreShow Less
Commercial Banking Company 0.45% $500 - Learn MoreShow Less
Thomasville National Bank 0.45% $500 - Learn MoreShow Less
Guardian Bank 0.45% $500 - Learn MoreShow Less
Century Bank And Trust 0.45% $500 - Learn MoreShow Less
Atlantic Coast Bank 0.45% $1,000 - Learn MoreShow Less
Primesouth Bank 0.45% $500 - Learn MoreShow Less
Vinings Bank 0.45% $500 - Learn MoreShow Less
South Coast Bank & Trust 0.45% $1,000 - Learn MoreShow Less
Farmers And Merchants Bank 0.45% $100,000 - Learn MoreShow Less
Citizens State Bank 0.45% $1,000 - Learn MoreShow Less
East West Bank 0.45% $99,000 - Learn MoreShow Less
United National Bank 0.45% $500 - Learn MoreShow Less
The Farmers Bank 0.42% $100,000 - Learn MoreShow Less
Signature Bank Of Georgia 0.42% $1,000 - Learn MoreShow Less
Cornerstonebank 0.41% $500 - Learn MoreShow Less
Independence Bank Of Georgia 0.40% $500 - Learn MoreShow Less
Southwest Georgia Bank 0.40% $1,000 - Learn MoreShow Less
First Bank Of Coastal Georgia 0.40% $500 - Learn MoreShow Less
The Bank Of La Fayette, Georgia 0.40% $100,000 - Learn MoreShow Less
Citizens Bank 0.40% $500 - Learn MoreShow Less
Pineland State Bank 0.40% $1,000 - Learn MoreShow Less
The First National Bank Of Waynesboro 0.40% $500 - Learn MoreShow Less
Oconee State Bank 0.40% $500 - Learn MoreShow Less
S Bank 0.40% $500 - Learn MoreShow Less
The Heritage Bank 0.40% $500 - Learn MoreShow Less
Altamaha Bank And Trust Company 0.40% $500 - Learn MoreShow Less
Persons Banking Company 0.40% $500 - Learn MoreShow Less
Touchmark National Bank 0.40% $100,000 - Learn MoreShow Less
Durden Banking Company, Incorporated 0.40% $5,000 - Learn MoreShow Less
Liberty First Bank 0.40% $1,000 - Learn MoreShow Less
Farmers And Merchants Bank 0.40% $500 - Learn MoreShow Less
Banksouth 0.40% $500 - Learn MoreShow Less
Glennville Bank 0.40% $500 - Learn MoreShow Less
Thomas County Federal Savings And Loan Association 0.40% $1,000 - Learn MoreShow Less
Iberiabank 0.40% $1,000 - Learn MoreShow Less
Planters And Citizens Bank 0.40% $1,000 - Learn MoreShow Less
The Farmers Bank 0.37% $500 - Learn MoreShow Less
Southeastern Bank 0.35% $500 - Learn MoreShow Less
Bank Of Monticello 0.35% $10,000 - Learn MoreShow Less
Park Sterling Bank 0.35% $1,000 - Learn MoreShow Less
The Privatebank And Trust Company 0.35% $100,000 - Learn MoreShow Less
Southcrest Bank, National Association 0.35% $500 - Learn MoreShow Less
The National Bank Of Georgia 0.35% $500 - Learn MoreShow Less
F & M Bank And Trust Company 0.35% $500 - Learn MoreShow Less
First National Community Bank 0.35% $10,000 - Learn MoreShow Less
First Madison Bank & Trust 0.35% $500 - Learn MoreShow Less
West Central Georgia Bank 0.35% $500 - Learn MoreShow Less
Peach State Bank & Trust 0.35% $500 - Learn MoreShow Less
Quantum National Bank 0.35% $1,000 - Learn MoreShow Less
Bank Of Madison 0.35% $500 - Learn MoreShow Less
The Citizens Bank Of Cochran 0.35% $500 - Learn MoreShow Less
Waycross Bank & Trust 0.35% $500 - Learn MoreShow Less
Farmers & Merchants Bank 0.35% $500 - Learn MoreShow Less
Fsgbank, National Association 0.35% $1,000 - Learn MoreShow Less
The Bank Of Soperton 0.35% $500 - Learn MoreShow Less
Heritage Bank 0.35% $500 - Learn MoreShow Less
Touchmark National Bank 0.35% $1,000 - Learn MoreShow Less
North Georgia National Bank 0.31% $1,000 - Learn MoreShow Less
The Commercial Bank 0.30% $200 - Learn MoreShow Less
Farmers & Merchants Bank 0.30% $500 - Learn MoreShow Less
First National Bank Of Griffin 0.30% $500 - Learn MoreShow Less
Northeast Georgia Bank 0.30% $1,000 - Learn MoreShow Less
The Bank Of La Fayette, Georgia 0.30% $1,000 - Learn MoreShow Less
Persons Banking Company 0.30% $500 - Learn MoreShow Less
The Citizens Bank Of Forsyth County 0.30% $500 - Learn MoreShow Less
Century Bank Of Georgia 0.30% $1,000 - Learn MoreShow Less
Bank Of The Ozarks 0.30% $1,000 - Learn MoreShow Less
United Bank 0.30% $500 - Learn MoreShow Less
Oconee Federal Savings And Loan Association 0.30% $500 - Learn MoreShow Less
First American Bank And Trust Company 0.30% $10,000 - Learn MoreShow Less
Northside Bank 0.30% $1,000 - Learn MoreShow Less
Community National Bank 0.30% $500 - Learn MoreShow Less
State Bank And Trust Company 0.30% $1,000 - Learn MoreShow Less
Hamilton State Bank 0.30% $500 - Learn MoreShow Less
F&m Bank 0.30% $500 - Learn MoreShow Less
First Bank Of Pike 0.30% $500 - Learn MoreShow Less
Queensborough National Bank & Trust Company 0.30% $500 - Learn MoreShow Less
East West Bank 0.30% $10,000 - Learn MoreShow Less
First Bank Of Dalton 0.30% $500 - Learn MoreShow Less
Security Federal Bank 0.30% $500 - Learn MoreShow Less
Southern States Bank 0.26% $500 - Learn MoreShow Less
Foothills Community Bank 0.25% $500 - Learn MoreShow Less
Citizens Bank Of Washington County 0.25% $500 - Learn MoreShow Less
Georgia Bank & Trust Company Of Augusta 0.25% $500 - Learn MoreShow Less
Mount Vernon Bank 0.25% $500 - Learn MoreShow Less
State Bank Of Georgia 0.25% $500 - Learn MoreShow Less
The Geo. D. Warthen Bank 0.25% $500 - Learn MoreShow Less
Bank Of Dade 0.25% $1,000 - Learn MoreShow Less
Citizens Bank & Trust, Inc. 0.25% $500 - Learn MoreShow Less
Carver State Bank 0.25% $500 - Learn MoreShow Less
Farmers State Bank 0.25% $5,000 - Learn MoreShow Less
First Community Bank 0.25% $500 - Learn MoreShow Less
Renasant Bank 0.25% $1,000 - Learn MoreShow Less
Firstbank 0.25% $10,000 - Learn MoreShow Less
Pnc Bank, National Association 0.22% $100,000 - Learn MoreShow Less
First Peoples Bank 0.20% $1,000 - Learn MoreShow Less
Southern Bank & Trust 0.20% $500 - Learn MoreShow Less
First Volunteer Bank 0.20% $1,000 - Learn MoreShow Less
River City Bank 0.20% $1,000 - Learn MoreShow Less
Heritage First Bank 0.20% $500 - Learn MoreShow Less
First Covenant Bank 0.20% $1,000 - Learn MoreShow Less
The Privatebank And Trust Company 0.20% $1,000 - Learn MoreShow Less
Greater Community Bank 0.20% $500 - Learn MoreShow Less
Southcrest Bank, National Association 0.20% $500 - Learn MoreShow Less
The Peoples Bank 0.20% $1,000 - Learn MoreShow Less
Pinnacle Bank 0.20% $500 - Learn MoreShow Less
Ameris Bank 0.20% $1,000 - Learn MoreShow Less
Pnc Bank, National Association 0.18% $10,000 - Learn MoreShow Less
Pnc Bank, National Association 0.17% $100,000 - Learn MoreShow Less
Capital City Bank 0.15% $1,000 - Learn MoreShow Less
Georgia Heritage Bank 0.15% $500 - Learn MoreShow Less
Peoples Bank Of East Tennessee 0.15% $500 - Learn MoreShow Less
Fifth Third Bank 0.15% $10,000 - Learn MoreShow Less
Citizens Trust Bank 0.15% $500 - Learn MoreShow Less
Bank Of North Georgia 0.15% $1,000 - Learn MoreShow Less
Woodforest National Bank 0.15% $500 - Learn MoreShow Less
Newton Federal Bank 0.15% $500 - Learn MoreShow Less
Westside Bank 0.15% $1,000 - Learn MoreShow Less
Pnc Bank, National Association 0.13% $10,000 - Learn MoreShow Less
Southcrest Bank, National Association 0.11% $500 - Learn MoreShow Less
Suntrust Bank 0.10% $10,000 - Learn MoreShow Less
Synovus Bank 0.10% $5,000 - Learn MoreShow Less
First Tennessee Bank, National Association 0.10% $10,000 - Learn MoreShow Less
United Community Bank 0.10% $500 - Learn MoreShow Less
Branch Banking And Trust Company 0.10% $10,000 - Learn MoreShow Less
South State Bank 0.10% $500 - Learn MoreShow Less
First-citizens Bank & Trust Company 0.10% $10,000 - Learn MoreShow Less
The Northern Trust Company 0.10% $100,000 - Learn MoreShow Less
Charterbank 0.10% $1,500 - Learn MoreShow Less
Community & Southern Bank 0.08% $500 - Learn MoreShow Less
Bank Of America, National Association 0.07% $10,000 - Learn MoreShow Less
Wells Fargo Bank, National Association 0.05% $10,000 - Learn MoreShow Less
First Century Bank, National Association 0.05% $500 - Learn MoreShow Less
Rabun County Bank 0.05% $500 - Learn MoreShow Less
Bank Of America, National Association 0.05% $10,000 - Learn MoreShow Less
Fifth Third Bank 0.05% $100,000 - Learn MoreShow Less
Regions Bank 0.05% $500 - Learn MoreShow Less
Guaranty Bank 0.02% $1,000 - Learn MoreShow Less
Jpmorgan Chase Bank, National Association 0.01% $10,000 - Learn MoreShow Less

BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

  • Braun

    December 30, 2015

    @Brian. Click the tabs at the top. You can choose the rate term you want.

  • Brian

    December 30, 2015

    Where are the 60 month CD rates?

  • won't say

    November 05, 2015

    where are the local banks?

  • Stephen C

    August 06, 2015

    It would be nice if you would include an option for all terms e.g., up to 10 years. Also it would help if you could select all banks and credit unions. It has been my experience that some bank and CU's will change their policy of being regional to national.

  • David H. 7/10/15

    July 10, 2015

    Union Savings Bank doesn't have a one year cd for 1.15%

  • Alan Platt

    November 24, 2014

    So stupid that you cannot vote "yes". The only thing that registers is "no".

  • Darren

    September 16, 2014

    Union County Savings Bank in Cranford is offering a 1.3% Jumbo CD Rate for 1 year.

  • Alan Platt

    August 25, 2014

    Why did you stop listing information about DORAL BANK?

  • Allen

    April 11, 2014

    Rate is wrong on "Investar Bank 0.75% $1,000 0.92 +Learn More"

  • Delores Langley

    March 12, 2014

    What are your 2 yr. CD rates.

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Certificates of Deposit - Branch Banks

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

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.

Advantages and Disadvantages

The advantages of a Certificate of Deposit from a branch 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 branch-based CDs are:

 · 

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.

 · 

One year CDs from branch banks often pay less interest than from online banks.

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, you 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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