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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 - July 28, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
Beal Bank Usa 1.21% $1,000 -
Glennville Bank 1.00% $100,000 -
The Piedmont Bank 1.00% $500 -
Farmers & Merchants Bank 0.90% $100,000 -
Shinhan Bank America 0.90% $1,000 -
First State Bank Of Randolph County 0.85% $500 -
First State Bank Of Blakely 0.85% $100 -
Metro City Bank 0.84% $1,000 -
Farmers & Merchants Bank 0.80% $1,000 -
First Intercontinental Bank 0.80% $1,000 -
Noa Bank 0.80% $1,000 -
Bank Of Dawson 0.75% $100,000 -
The Bank Of Soperton 0.75% $500 -
Armed Forces Bank, National Association 0.75% $500 -
The Citizens Bank 0.75% $100,000 -
The Peoples Bank 0.75% $2,000 -
Bank Of Terrell 0.75% $1,000 -
Providence Bank 0.75% $500 -
First Landmark Bank 0.75% $1,000 -
Independence Bank Of Georgia 0.75% $500 -
Chattahoochee Bank Of Georgia 0.75% $500 -
Bank Of Dawson 0.70% $1,000 -
Alma Exchange Bank & Trust 0.70% $500 -
Bank Of Early 0.70% $100 -
First National Bank South 0.66% $500 -
Bank Of Newington 0.65% $100,000 -
Family Bank 0.65% $1,000 -
Gwinnett Community Bank 0.65% $500 -
Community Bank Of Pickens County 0.65% $100,000 -
Embassy National Bank 0.65% $500 -
Wheeler County State Bank 0.60% $1,000 -
Bank Of Wrightsville 0.60% $1,000 -
Bank Of Newington 0.60% $1,000 -
Citizens Community Bank 0.60% $50,000 -
The Claxton Bank 0.60% $500 -
First State Bank 0.60% $500 -
First Federal Savings And Loan Association Of Valdosta 0.60% $1,000 -
South Georgia Bank 0.60% $500 -
First National Bank Of Coffee County 0.60% $500 -
Douglas National Bank 0.60% $500 -
American Commerce Bank, National Association 0.60% $500 -
Servisfirst Bank 0.60% $1,000 -
Signature Bank Of Georgia 0.60% $1,000 -
Bank Of Alapaha 0.55% $500 -
The Peoples Bank Of Talbotton 0.55% $500 -
The Merchants & Citizens Bank 0.55% $500 -
The Citizens State Bank Of Taylor County 0.55% $500 -
Plantersfirst 0.55% $500 -
Bank Of Hancock County 0.55% $500 -
Stearns Bank National Association 0.55% $2,500 -
The Trust Bank 0.55% $500 -
Bank Of Early 0.55% $100 -
Sunmark Community Bank 0.55% $100,000 -
Wilcox County State Bank 0.55% $1,000 -
Morris Bank 0.55% $500 -
Peoples State Bank & Trust 0.55% $500 -
The Security State Bank 0.55% $500 -
Community Bank Of Pickens County 0.55% $500 -
Atlantic Coast Bank 0.55% $100,000 -
First Chatham Bank 0.55% $1,000 -
Affinity Bank 0.55% $10,000 -
Community Bank Of Georgia 0.55% $500 -
American Pride Bank 0.55% $500 -
Charterbank 0.55% $1,500 -
The Four County Bank 0.51% $500 -
Bank Of Hazlehurst 0.50% $1,000 -
Talbot State Bank 0.50% $500 -
State Bank Of Cochran 0.50% $1,000 -
Bank Of Eastman 0.50% $500 -
Bank Of Dudley 0.50% $100 -
Wilkinson County Bank 0.50% $1,000 -
Farmers & Merchants Bank 0.50% $1,000 -
The Citizens Bank Of Swainsboro 0.50% $500 -
Citizens Community Bank 0.50% $500 -
Peoples Bank 0.50% $500 -
The Citizens Bank 0.50% $1,000 -
Southern Bank 0.50% $1,000 -
Citizens Bank & Trust Company 0.50% $1,000 -
Sunmark Community Bank 0.50% $500 -
Bank Of Camilla 0.50% $1,000 -
Citizens State Bank 0.50% $100,000 -
South Georgia Banking Company 0.50% $1,000 -
Peoplessouth Bank 0.50% $500 -
Fidelity Bank 0.50% $500 -
Colony Bank 0.50% $500 -
Peoples Bank & Trust 0.50% $500 -
Vidalia Federal Savings Bank 0.50% $1,000 -
Community Banking Company Of Fitzgerald 0.50% $1,000 -
Atlantic National Bank 0.50% $1,000 -
Ab&t National Bank 0.50% $500 -
Legacy State Bank 0.50% $500 -
Flint Community Bank 0.50% $1,000 -
Resurgens Bank 0.50% $500 -
First Southern Bank 0.46% $500 -
Century Bank And Trust 0.45% $500 -
Exchange Bank 0.45% $500 -
Bank Of Eastman 0.45% $500 -
Primesouth Bank 0.45% $500 -
First Bank Of Coastal Georgia 0.45% $100,000 -
Commercial Banking Company 0.45% $500 -
South Coast Bank & Trust 0.45% $1,000 -
Farmers And Merchants Bank 0.45% $100,000 -
Citizens State Bank 0.45% $1,000 -
East West Bank 0.45% $99,000 -
Thomasville National Bank 0.45% $500 -
United National Bank 0.45% $500 -
Atlantic Coast Bank 0.45% $1,000 -
Guardian Bank 0.45% $500 -
Vinings Bank 0.45% $500 -
The Brand Banking Company 0.44% $500 -
The Farmers Bank 0.42% $100,000 -
Cornerstonebank 0.41% $500 -
The Heritage Bank 0.40% $500 -
Southwest Georgia Bank 0.40% $1,000 -
The First National Bank Of Waynesboro 0.40% $500 -
Citizens Bank 0.40% $500 -
Glennville Bank 0.40% $500 -
The Bank Of La Fayette, Georgia 0.40% $100,000 -
Durden Banking Company, Incorporated 0.40% $5,000 -
First Bank Of Coastal Georgia 0.40% $500 -
S Bank 0.40% $500 -
Banksouth 0.40% $500 -
Farmers And Merchants Bank 0.40% $500 -
Persons Banking Company 0.40% $500 -
Oconee State Bank 0.40% $500 -
Pineland State Bank 0.40% $1,000 -
Altamaha Bank And Trust Company 0.40% $500 -
Thomas County Federal Savings And Loan Association 0.40% $1,000 -
Oconee Federal Savings And Loan Association 0.40% $500 -
Liberty First Bank 0.40% $1,000 -
Touchmark National Bank 0.40% $100,000 -
Independence Bank Of Georgia 0.40% $500 -
The Farmers Bank 0.37% $500 -
Bank Of Madison 0.35% $500 -
Southcrest Bank, National Association 0.35% $500 -
Bank Of Monticello 0.35% $10,000 -
Southeastern Bank 0.35% $500 -
Firstbank 0.35% $500 -
Farmers & Merchants Bank 0.35% $500 -
Renasant Bank 0.35% $1,000 -
Northeast Georgia Bank 0.35% $1,000 -
F & M Bank And Trust Company 0.35% $500 -
West Central Georgia Bank 0.35% $500 -
First National Community Bank 0.35% $10,000 -
Waycross Bank & Trust 0.35% $500 -
The Privatebank And Trust Company 0.35% $100,000 -
Quantum National Bank 0.35% $1,000 -
Fsgbank, National Association 0.35% $1,000 -
First Madison Bank & Trust 0.35% $500 -
Peach State Bank & Trust 0.35% $500 -
Park Sterling Bank 0.35% $1,000 -
Touchmark National Bank 0.35% $1,000 -
North Georgia National Bank 0.31% $1,000 -
First National Bank Of Griffin 0.30% $500 -
United Bank 0.30% $500 -
The Commercial Bank 0.30% $200 -
Queensborough National Bank & Trust Company 0.30% $500 -
First Bank Of Pike 0.30% $500 -
The Bank Of La Fayette, Georgia 0.30% $1,000 -
Farmers & Merchants Bank 0.30% $500 -
First American Bank And Trust Company 0.30% $10,000 -
F&m Bank 0.30% $500 -
Persons Banking Company 0.30% $500 -
Community National Bank 0.30% $500 -
Security Federal Bank 0.30% $500 -
East West Bank 0.30% $10,000 -
First Bank Of Dalton 0.30% $500 -
Century Bank Of Georgia 0.30% $1,000 -
The National Bank Of Georgia 0.30% $500 -
Hamilton State Bank 0.30% $500 -
State Bank And Trust Company 0.30% $1,000 -
Northside Bank 0.30% $1,000 -
Southern States Bank 0.26% $500 -
Farmers State Bank 0.25% $5,000 -
The Geo. D. Warthen Bank 0.25% $500 -
Mount Vernon Bank 0.25% $500 -
Carver State Bank 0.25% $500 -
Bank Of Dade 0.25% $1,000 -
Citizens Bank Of Washington County 0.25% $500 -
Citizens Bank & Trust, Inc. 0.25% $500 -
Georgia Bank & Trust Company Of Augusta 0.25% $500 -
Heritage Bank 0.25% $500 -
First Community Bank 0.25% $500 -
The Citizens Bank Of Forsyth County 0.25% $500 -
Foothills Community Bank 0.25% $500 -
State Bank Of Georgia 0.25% $500 -
Pnc Bank, National Association 0.22% $100,000 -
First Volunteer Bank 0.20% $1,000 -
Pinnacle Bank 0.20% $500 -
The Peoples Bank 0.20% $1,000 -
Southeast First National Bank 0.20% $1,000 -
Heritage First Bank 0.20% $500 -
Iberiabank 0.20% $1,000 -
First Peoples Bank 0.20% $1,000 -
The Privatebank And Trust Company 0.20% $1,000 -
Greater Community Bank 0.20% $500 -
Southern Bank & Trust 0.20% $500 -
River City Bank 0.20% $1,000 -
First Covenant Bank 0.20% $1,000 -
Bank Of The Ozarks 0.18% $1,000 -
Pnc Bank, National Association 0.18% $10,000 -
Pnc Bank, National Association 0.17% $100,000 -
Synovus Bank 0.15% $1,000 -
Citizens Trust Bank 0.15% $500 -
Capital City Bank 0.15% $1,000 -
Woodforest National Bank 0.15% $500 -
Newton Federal Bank 0.15% $500 -
Peoples Bank Of East Tennessee 0.15% $500 -
Georgia Heritage Bank 0.15% $500 -
Westside Bank 0.15% $1,000 -
Pnc Bank, National Association 0.13% $10,000 -
Suntrust Bank 0.10% $10,000 -
Synovus Bank 0.10% $5,000 -
The Northern Trust Company 0.10% $100,000 -
First Tennessee Bank, National Association 0.10% $10,000 -
Fifth Third Bank 0.10% $10,000 -
Branch Banking And Trust Company 0.10% $10,000 -
First-citizens Bank & Trust Company 0.10% $10,000 -
South State Bank 0.10% $500 -
United Community Bank 0.10% $500 -
City National Bank 0.10% $2,500 -
Charterbank 0.10% $1,500 -
Community & Southern Bank 0.08% $500 -
Bank Of America, National Association 0.07% $10,000 -
Bank Of America, National Association 0.05% $10,000 -
Wells Fargo Bank, National Association 0.05% $10,000 -
Fifth Third Bank 0.05% $100,000 -
Regions Bank 0.05% $500 -
Rabun County Bank 0.05% $500 -
First Century Bank, National Association 0.05% $500 -
Guaranty Bank 0.02% $1,000 -
Jpmorgan Chase Bank, National Association 0.01% $10,000 -

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.

  • Max

    June 07, 2016

    The Chase rates are not correct, in fact Chase never heard of these rates, if they are correct please inform Abilene and Dallas, I could use the rate as small as it may be, but better than most, if they exist. Thanks

  • joan

    June 06, 2016

    florida community bank 1.40% -9 months good all of june 2016

  • Tammie H.

    April 19, 2016

    Hello,

    I was just wondering if the rates posted on this site were current?

    I noticed at the top it does have todays date.

    Thank you.

  • boo

    April 13, 2016

    rates suck

  • Dan

    March 14, 2016

    The local offerings are there. Just put in your zip code. Click the link that says: Change zip.

  • F Jamees

    March 14, 2016

    Where are the local offerings of 71913. They use to be for local banks, we miss them. F James

  • Larry Triemer (ltriemer@yahoo.com)

    March 02, 2016

    I stopped receiving my weekly bank rates and wanted you to resume sending them. I registered today, again, using my work e-mail and would like for you to send them to the abovementioned e=mail address.

    Thank you,

    Larry Triemer+

  • jim

    February 12, 2016

    bank of Ontario (Ontario wi) offering 1 year ira cd for 1.9%

  • mike

    February 07, 2016

    Why can banks 100 miles away offer rates 5 to 6 time higher on a one year CD , seems banks and or there management in this area simply refuse to be competitive and show no respect for the people , neighbors and area they live and work in.

  • Braun

    December 30, 2015

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

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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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