Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across Georgia
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 - December 13, 2024
1 Year CD National Average : 0.55% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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5.25% |
$1,000 |
- |
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4.50% |
$1,000 |
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Rate History: 4.85% → 5.15% → 5.05% → 4.50% |
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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 |
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4.35% |
$25,000 |
- |
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Warning: Early Withdrawal Penalty is 2% of the account balance.
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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 |
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4.34% |
$1,000 |
- |
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4.30% |
$1,000 |
- |
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Early Withdrawal Penalty is 180 days interest.
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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 |
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4.25% |
$1,000 |
- |
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4.25% |
$2,500 |
- |
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Rate History: 5.40% → 5.25% → 4.85% → 4.60% → 4.25% |
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james | Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More |
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4.25% |
$500 |
- |
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Rate History: 4.85% → 5.00% → 4.70% → 4.20% → 4.25% |
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4.25% |
$5,000 |
- |
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Rate History: 4.50% → 4.25% |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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4.25% |
$1,000 |
- |
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Early Withdrawal Penalty is 90 days interest.
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smithy1968 | Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More |
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4.20% |
$1,000 |
- |
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|
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Early Withdrawal Penalty is 90 days interest.
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Dkplan | Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More |
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4.20% 0.30% |
$250,000 $1,000 |
- |
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Rate History: 4.60% → 4.70% → 4.65% → 4.50% → 4.20% |
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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 |
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4.20% |
$1,000 |
- |
Learn More
|
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Rate History: 5.00% → 4.60% → 4.20% |
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lrcbob | Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More |
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4.00% |
$0 |
- |
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Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00% |
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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 |
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4.00% |
$1,000 |
- |
Learn More
|
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Rate History: 5.30% → 5.10% → 5.30% → 4.25% → 4.00% |
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lrcbob | Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More |
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3.75% 0.05% |
$10,000 $10,001 |
- |
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Rate History: 5.00% → 4.00% → 4.50% → 4.00% → 3.75% |
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|
Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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3.75% |
$1,000 |
- |
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Rate History: 4.00% → 4.50% → 4.00% → 3.75% |
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3.55% |
$500 |
- |
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3.54% |
$1,000 |
- |
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Rate History: 3.85% → 3.64% → 3.54% |
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3.51% |
$100,000 |
- |
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|
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Rate History: 0.03% → 3.75% → 4.25% → 3.75% → 3.51% |
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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 |
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3.50% |
$500 |
- |
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|
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3.30% 0.01% |
$5,000 $500 |
- |
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Rate History: 4.70% → 4.00% → 4.30% → 3.30% |
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|
Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
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|
3.25% 3.00% |
$100,000 $10,000 |
- |
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Rate History: 3.00% → 2.00% → 3.50% → 3.25% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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3.25% 2.75% |
$100,000 $25,000 |
- |
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|
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Rate History: 2.00% → 1.50% → 3.25% |
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Thy King | Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More |
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2.75% |
$500 |
- |
Learn More
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Rate History: 1.70% → 3.00% → 2.75% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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2.50% |
$500 |
- |
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2.50% |
$0 |
- |
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Rate History: 4.00% → 2.75% → 2.00% → 4.00% → 2.50% |
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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 |
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2.48% |
$10,000 |
- |
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|
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Rate History: 3.04% → 2.48% |
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2.05% |
$1,000 |
- |
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Rate History: 4.85% → 4.40% → 4.25% → 3.00% → 2.05% |
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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 |
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1.16% |
$100,000 |
- |
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1.00% |
$10,000 |
- |
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1.00% |
$10,000 |
- |
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1.00% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.85% |
$10,000 |
- |
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0.80% |
$10,000 |
- |
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0.80% |
$10,000 |
- |
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0.76% |
$10,000 |
- |
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|
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|
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 |
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0.75% |
$10,000 |
- |
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0.75% |
$10,000 |
- |
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0.75% |
$10,000 |
- |
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0.75% |
$10,000 |
- |
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|
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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 |
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0.75% |
$10,000 |
- |
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0.75% |
$10,000 |
- |
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0.75% |
$10,000 |
- |
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0.75% |
$10,000 |
- |
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0.75% |
$10,000 |
- |
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0.75% |
$10,000 |
- |
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0.75% |
$100,000 |
- |
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0.75% |
$10,000 |
- |
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0.71% |
$10,000 |
- |
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0.71% |
$10,000 |
- |
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0.70% |
$10,000 |
- |
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Lori Kroko | Mar 10, 2021 I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More |
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0.70% |
$10,000 |
- |
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0.70% |
$100,000 |
- |
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0.70% |
$10,000 |
- |
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314201 | Sep 18, 2018 I have been a satisfied customer at the Hodgson Memorial branch. The customer service is always excellent. Jenny Collins has been especially helpful and professional. Read More |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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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 |
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0.65% |
$100,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
Learn More
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Lily | Dec 14, 2021 no reveiw Read More |
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0.65% |
$10,000 |
- |
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0.60% |
$100,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.59% |
$10,000 |
- |
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0.55% |
$10,000 |
- |
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0.55% |
$1,000 |
- |
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0.55% |
$10,000 |
- |
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0.55% |
$10,000 |
- |
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0.55% |
$100,000 |
- |
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0.55% |
$10,000 |
- |
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0.55% |
$100,000 |
- |
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0.55% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$100,000 |
- |
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bdowda | Feb 12, 2022 The rate information listed here is incorrect, but Community Bank of Pickens County is a great bank with great customer service. I opened an account today so not sure the source this website uses, but the ... Read More |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
Learn More
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adriane jackson | Aug 29, 2015 hello I need to know how much it is to open a regular savings that gains intrest Read More |
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0.50% |
$500 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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A | Aug 21, 2019 Guardian bank is the worst company I’ve ever try to do business with me and my husband went to them for a refinance the lender submitted a application for a loan that was not fitting the needs we wante... Read More |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.46% |
$1,000 |
- |
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0.45% |
$10,000 |
- |
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Samantha | Dec 14, 2021 Awesome i lost half my money and they paid me triple Read More |
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0.45% |
$10,000 |
- |
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0.45% |
$10,000 |
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0.45% |
$10,000 |
- |
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0.45% |
$500 |
- |
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0.45% |
$10,000 |
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0.45% |
$500 |
- |
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bdowda | Feb 12, 2022 The rate information listed here is incorrect, but Community Bank of Pickens County is a great bank with great customer service. I opened an account today so not sure the source this website uses, but the ... Read More |
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0.45% |
$10,000 |
- |
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0.40% |
$1,000 |
- |
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GOb | Dec 18, 2023 They will not cash savings bonds for non-account holders Read More |
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0.40% |
$10,000 |
- |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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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 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$100,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$500 |
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0.35% |
$100,000 |
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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 |
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0.33% |
$1,000 |
- |
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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 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.30% |
$500 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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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 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$500 |
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0.25% |
$10,000 |
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0.22% |
$10,000 |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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0.20% |
$500 |
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0.20% |
$10,000 |
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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 |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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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 |
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0.20% |
$10,000 |
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0.15% |
$10,000 |
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0.15% |
$10,000 |
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0.15% |
$100,000 |
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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 |
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0.15% |
$10,000 |
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0.15% |
$10,000 |
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0.12% |
$1,000 |
- |
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HB | 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 |
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0.10% |
$1,000 |
- |
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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0.10% |
$10,000 |
- |
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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 |
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0.10% |
$10,000 |
- |
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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 |
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0.08% |
$10,000 |
- |
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0.05% |
$2,500 |
- |
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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 |
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0.05% |
$10,000 |
- |
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0.05% |
$500 |
- |
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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 |
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0.03% 0.01% |
$2,501 $2,500 |
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0.03% |
$25,000 |
- |
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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 |
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0.01% |
$500 |
- |
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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 |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.
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.
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.
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.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates