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Georgia CD Rates 2016

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 6, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
Beal Bank Usa 1.06% $1,000 -
Touchmark National Bank 1.00% $100,000 -
Embassy National Bank 1.00% $500 -
Glennville Bank 1.00% $100,000 -
Georgia Primary Bank 1.00% $1,000 -
Park Sterling Bank 1.00% $10,000 -
Touchmark National Bank 0.95% $1,000 -
Shinhan Bank America 0.90% $1,000 -
Farmers & Merchants Bank 0.90% $100,000 -
The Piedmont Bank 0.90% $500 -
Bank Of Early 0.87% $100 -
First State Bank Of Randolph County 0.85% $500 -
First State Bank Of Blakely 0.85% $100 -
Metro City Bank 0.84% $1,000 -
First Intercontinental Bank 0.80% $1,000 -
Noa Bank 0.80% $1,000 -
Farmers & Merchants Bank 0.80% $1,000 -
First National Bank South 0.76% $500 -
Providence Bank 0.75% $500 -
The Peoples Bank 0.75% $2,000 -
Bank Of Terrell 0.75% $1,000 -
Chattahoochee Bank Of Georgia 0.75% $500 -
Bank Of Dawson 0.75% $100,000 -
The Citizens Bank 0.75% $100,000 -
The Bank Of Soperton 0.75% $500 -
First Landmark Bank 0.75% $1,000 -
Resurgens Bank 0.75% $5,000 -
Armed Forces Bank, National Association 0.75% $500 -
Bank Of Dawson 0.70% $1,000 -
Talbot State Bank 0.65% $500 -
Community Bank Of Pickens County 0.65% $100,000 -
Family Bank 0.65% $1,000 -
The Citizens National Bank Of Quitman 0.65% $1,000 -
Bank Of Newington 0.65% $100,000 -
Gwinnett Community Bank 0.65% $500 -
Wheeler County State Bank 0.60% $1,000 -
First State Bank 0.60% $500 -
Alma Exchange Bank & Trust 0.60% $500 -
The Claxton Bank 0.60% $500 -
South Georgia Bank 0.60% $500 -
Citizens Community Bank 0.60% $50,000 -
Servisfirst Bank 0.60% $1,000 -
Bank Of Wrightsville 0.60% $1,000 -
American Commerce Bank, National Association 0.60% $500 -
First Federal Savings And Loan Association Of Valdosta 0.60% $1,000 -
Bank Of Newington 0.60% $1,000 -
Douglas National Bank 0.60% $500 -
First National Bank Of Coffee County 0.60% $500 -
Signature Bank Of Georgia 0.60% $1,000 -
The Peoples Bank Of Talbotton 0.55% $500 -
The Trust Bank 0.55% $500 -
Affinity Bank 0.55% $10,000 -
The Citizens State Bank Of Taylor County 0.55% $500 -
Atlantic Coast Bank 0.55% $100,000 -
Morris Bank 0.55% $500 -
Sunmark Community Bank 0.55% $100,000 -
Community Bank Of Pickens County 0.55% $500 -
Stearns Bank National Association 0.55% $2,500 -
Commercial State Bank 0.55% $500 -
Bank Of Early 0.55% $1 -
Bank Of Hancock County 0.55% $500 -
The Merchants & Citizens Bank 0.55% $500 -
The Security State Bank 0.55% $500 -
Community Bank Of Georgia 0.55% $500 -
First Chatham Bank 0.55% $1,000 -
Wilcox County State Bank 0.55% $1,000 -
American Pride Bank 0.55% $500 -
Bank Of Alapaha 0.55% $500 -
The Four County Bank 0.51% $500 -
Bank Of Hazlehurst 0.50% $1,000 -
Citizens Bank & Trust Company 0.50% $1,000 -
The Citizens Bank 0.50% $1,000 -
Sunmark Community Bank 0.50% $500 -
Vidalia Federal Savings Bank 0.50% $1,000 -
Peoples Bank & Trust 0.50% $500 -
Colony Bank 0.50% $500 -
Fidelity Bank 0.50% $500 -
Ab&t National Bank 0.50% $500 -
Legacy State Bank 0.50% $500 -
Bank Of Dudley 0.50% $100 -
Community Banking Company Of Fitzgerald 0.50% $1,000 -
Wilkinson County Bank 0.50% $1,000 -
Farmers & Merchants Bank 0.50% $1,000 -
Peoples Bank 0.50% $500 -
Citizens Community Bank 0.50% $500 -
Peoplessouth Bank 0.50% $500 -
State Bank Of Cochran 0.50% $1,000 -
Bank Of Eastman 0.50% $500 -
Bank Of Camilla 0.50% $1,000 -
Charterbank 0.50% $1,500 -
Atlantic National Bank 0.50% $1,000 -
Flint Community Bank 0.50% $1,000 -
South Georgia Banking Company 0.50% $1,000 -
Southern Bank 0.50% $1,000 -
The Citizens Bank Of Swainsboro 0.50% $500 -
First Southern Bank 0.47% $500 -
Fifth Third Bank 0.45% $100,000 -
First Bank Of Coastal Georgia 0.45% $100,000 -
Bank Of Eastman 0.45% $500 -
South Coast Bank & Trust 0.45% $1,000 -
Exchange Bank 0.45% $500 -
Commercial Banking Company 0.45% $500 -
Thomasville National Bank 0.45% $500 -
F&m Bank 0.45% $100,000 -
Guardian Bank 0.45% $500 -
Century Bank And Trust 0.45% $500 -
Atlantic Coast Bank 0.45% $1,000 -
Primesouth Bank 0.45% $500 -
Vinings Bank 0.45% $500 -
United National Bank 0.45% $500 -
Farmers And Merchants Bank 0.45% $100,000 -
East West Bank 0.45% $99,000 -
Southwest Georgia Bank 0.45% $1,000 -
The Brand Banking Company 0.44% $500 -
The Farmers Bank 0.42% $100,000 -
Cornerstonebank 0.41% $500 -
First Bank Of Coastal Georgia 0.40% $500 -
The Bank Of La Fayette, Georgia 0.40% $100,000 -
The First National Bank Of Waynesboro 0.40% $500 -
Oconee State Bank 0.40% $500 -
S Bank 0.40% $500 -
The Heritage Bank 0.40% $500 -
Altamaha Bank And Trust Company 0.40% $500 -
Persons Banking Company 0.40% $500 -
First National Bank Of Decatur County 0.40% $500 -
Durden Banking Company, Incorporated 0.40% $5,000 -
Liberty First Bank 0.40% $1,000 -
Farmers And Merchants Bank 0.40% $500 -
Banksouth 0.40% $500 -
Glennville Bank 0.40% $500 -
Thomas County Federal Savings And Loan Association 0.40% $1,000 -
Planters First Bank 0.40% $500 -
Planters And Citizens Bank 0.40% $1,000 -
Oconee Federal Savings And Loan Association 0.40% $500 -
The Farmers Bank 0.37% $500 -
Southeastern Bank 0.35% $500 -
Bank Of Madison 0.35% $500 -
Bank Of Monticello 0.35% $10,000 -
The Privatebank And Trust Company 0.35% $100,000 -
Southcrest Bank, National Association 0.35% $500 -
F & M Bank And Trust Company 0.35% $500 -
First National Community Bank 0.35% $10,000 -
First Madison Bank & Trust 0.35% $500 -
West Central Georgia Bank 0.35% $500 -
Peach State Bank & Trust 0.35% $500 -
Quantum National Bank 0.35% $1,000 -
Renasant Bank 0.35% $1,000 -
Waycross Bank & Trust 0.35% $500 -
Farmers & Merchants Bank 0.35% $500 -
Atlantic Capital Bank, National Association 0.35% $1,000 -
Firstbank 0.35% $500 -
The Citizens Bank Of Cochran 0.35% $500 -
Park Sterling Bank 0.35% $1,000 -
North Georgia National Bank 0.31% $1,000 -
The Commercial Bank 0.30% $200 -
Farmers & Merchants Bank 0.30% $500 -
First National Bank Of Griffin 0.30% $500 -
The Bank Of La Fayette, Georgia 0.30% $1,000 -
Century Bank Of Georgia 0.30% $1,000 -
United Bank 0.30% $500 -
Newton Federal Bank 0.30% $500 -
Northside Bank 0.30% $1,000 -
Community National Bank 0.30% $500 -
Hamilton State Bank 0.30% $500 -
F&m Bank 0.30% $500 -
First Bank Of Pike 0.30% $500 -
State Bank And Trust Company 0.30% $1,000 -
Queensborough National Bank & Trust Company 0.30% $500 -
East West Bank 0.30% $10,000 -
First Bank 0.30% $500 -
The National Bank Of Georgia 0.30% $500 -
Persons Banking Company 0.30% $500 -
Security Federal Bank 0.30% $500 -
Southern States Bank 0.26% $500 -
Bank Of Dade 0.25% $1,000 -
Foothills Community Bank 0.25% $500 -
Citizens Bank Of Washington County 0.25% $500 -
Georgia Bank & Trust Company Of Augusta 0.25% $500 -
Heritage Bank 0.25% $500 -
Mount Vernon Bank 0.25% $500 -
State Bank Of Georgia 0.25% $500 -
The Geo. D. Warthen Bank 0.25% $500 -
Northeast Georgia Bank 0.25% $1,000 -
Citizens Bank & Trust, Inc. 0.25% $500 -
First Community Bank 0.25% $500 -
Farmers State Bank 0.25% $5,000 -
Carver State Bank 0.25% $500 -
Pnc Bank, National Association 0.22% $100,000 -
First Peoples Bank 0.20% $1,000 -
Southern Bank & Trust 0.20% $500 -
Ameris Bank 0.20% $1,000 -
River City Bank 0.20% $1,000 -
Persons Banking Company 0.20% $500 -
Heritage First Bank 0.20% $500 -
First Covenant Bank 0.20% $1,000 -
First Volunteer Bank 0.20% $1,000 -
Greater Community Bank 0.20% $500 -
Iberiabank 0.20% $1,000 -
The Privatebank And Trust Company 0.20% $1,000 -
The Citizens Bank Of Forsyth County 0.20% $500 -
The Peoples Bank 0.20% $1,000 -
Pinnacle Bank 0.20% $500 -
Bank Of The Ozarks 0.18% $1,000 -
Pnc Bank, National Association 0.18% $10,000 -
Pnc Bank, National Association 0.17% $100,000 -
Capital City Bank 0.15% $1,000 -
Georgia Heritage Bank 0.15% $500 -
Peoples Bank Of East Tennessee 0.15% $500 -
Synovus Bank 0.15% $1,000 -
Woodforest National Bank 0.15% $500 -
Westside Bank 0.15% $1,000 -
Citizens Trust Bank 0.15% $100,000 -
Pnc Bank, National Association 0.13% $10,000 -
Suntrust Bank 0.10% $10,000 -
Synovus Bank 0.10% $5,000 -
First Tennessee Bank, National Association 0.10% $10,000 -
City National Bank 0.10% $2,500 -
Charterbank 0.10% $1,500 -
First-citizens Bank & Trust Company 0.10% $10,000 -
United Community Bank 0.10% $500 -
Fifth Third Bank 0.10% $10,000 -
Branch Banking And Trust Company 0.10% $10,000 -
South State Bank 0.10% $500 -
Citizens Trust Bank 0.10% $500 -
The Northern Trust Company 0.10% $100,000 -
Bank Of America, National Association 0.07% $10,000 -
Wells Fargo Bank, National Association 0.05% $10,000 -
First Century Bank, National Association 0.05% $500 -
Rabun County Bank 0.05% $500 -
Bank Of America, National Association 0.05% $10,000 -
Regions Bank 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.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2016

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. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

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. Please see those rates here.

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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  • 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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