Best Special Rates and Terms in Commerce, Georgia, GA

You are viewing rates from banks across

Below are special Certificate of Deposit special rates and terms from banks in Commerce, Georgia. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.

Commerce, GA - November 13, 2026

What is the best special CD rate in Commerce, GA?

As of November 13, 2026, the highest special CD rate from a bank in Commerce, GA is 4.55% APY from Finworth, a division of InsBank (minimum deposit $50,000). The best rate with a $1,000 minimum or less is 4.20% APY from Bank OZK (minimum deposit $1,000). The table below ranks every special CD listed for this area. Rates change frequently, so check back for the latest numbers.

Bank	APY	MIN	PERIOD
Finworth, a division of InsBank Auburn Branch	4.55%	$50,000	22 months	Learn More Reviews (1)
Rate History: 3.50% → 3.20% → 4.35% → 4.45% → 4.55%
Bank OZK Auburn Branch	4.20%	$1,000	7 months	Learn More Reviews (11)
Rate History: 5.00% → 4.20%
First-Citizens Bank & Trust Company Hull Branch	4.00%	$5,000	5 months	Learn More Reviews (3)
Rate History: 3.65% → 3.55% → 3.45% → 2.50% → 4.00%
United Community Bank Gainesville Branch	4.00%	$2,500	7 months	Learn More Reviews (1)
Rate History: 4.65% → 4.50% → 4.45% → 4.20% → 4.00%
Regions Bank Gainesville Main Branch	4.00% 3.75% 3.75%	$501 $500	9 months	Learn More Reviews
Rate History: 4.35% → 4.00% → 3.70% → 3.50% → 4.00%
Bank of America, National Association Gainesville Main Branch	3.80% 3.51% 3.51%	$100,000 $10,000	7 months	Learn More Reviews (7)
Rate History: 3.75% → 3.51% → 3.25% → 3.80% → 3.80%
Bank OZK Auburn Branch	3.80%	$1,000	13 months	Learn More Reviews (11)
Rate History: 5.50% → 3.80%
First-Citizens Bank & Trust Company Hull Branch	3.75%	$5,000	11 months	Learn More Reviews (3)
Wells Fargo Bank, National Association New Holland Market Branch	3.74%	$2,500	7 months	Learn More Reviews (7)
Rate History: 3.64% → 3.75% → 3.50% → 3.24% → 3.74%
Wells Fargo Bank, National Association New Holland Market Branch	3.64%	$2,500	15 months	Learn More Reviews (7)
Rate History: 3.74% → 3.64%
Wells Fargo Bank, National Association New Holland Market Branch	3.59%	$2,500	11 months	Learn More Reviews (7)
Rate History: 3.75% → 3.50% → 3.25% → 2.99% → 3.59%
United Community Bank Gainesville Branch	3.50%	$2,500	23 months	Learn More Reviews (1)
Rate History: 1.00% → 3.50%
United Community Bank Gainesville Branch	3.25%	$2,500	11 months	Learn More Reviews (1)
Rate History: 4.25% → 3.50% → 3.75% → 3.50% → 3.25%
Regions Bank Gainesville Main Branch	3.25%	$501	13 months	Learn More Reviews
Rate History: 3.50% → 3.25%
CIT Bank, a division of First-Citizens Bank and Trust	3.25%	$1,000	13 months	Learn More Reviews (33)
Rate History: 3.50% → 3.35% → 3.25%
Regions Bank Gainesville Main Branch	3.00%	$500	13 months	Learn More Reviews
Rate History: 3.50% → 4.25% → 3.50% → 4.00% → 3.00%
United Community Bank Gainesville Branch	3.00%	$2,500	19 months	Learn More Reviews (1)
Rate History: 1.00% → 3.75% → 3.50% → 3.25% → 3.00%
Bank of America, National Association Gainesville Main Branch	2.95%	$10,000	10 months	Learn More Reviews (7)
Rate History: 3.70% → 3.45% → 3.20% → 2.95% → 2.95%
Regions Bank Gainesville Main Branch	2.75%	$500	19 months	Learn More Reviews
Rate History: 3.75% → 2.75%
Bank of America, National Association Gainesville Main Branch	2.00%	$10,000	13 months	Learn More Reviews (7)
Rate History: 2.75% → 2.50% → 2.25% → 2.00% → 2.00%
Bank of America, National Association Gainesville Main Branch	1.75%	$10,000	25 months	Learn More Reviews (7)
The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. Rate History: 3.20% → 3.00% → 2.00% → 1.75% → 1.75%

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 Commerce, GA - November 13, 2026

Branch	Street	City	State
Finworth, a division of InsBank Auburn Branch	5 Main Street	Auburn	GA
Bank OZK Auburn Branch	5 Main Street	Auburn	GA
First-Citizens Bank & Trust Company Hull Branch	9205 Hwy 29 S	Athens	GA
United Community Bank Gainesville Branch	311 Jesse Jewell Parkway	Gainesville	GA
Regions Bank Gainesville Main Branch	102 E.E. Bulter Pkwy	Gainesville	GA
Bank of America, National Association Gainesville Main Branch	402 Washington Street	Gainesville	GA
Bank OZK Auburn Branch	5 Main Street	Auburn	GA
Regions Bank Gainesville Main Branch	102 E.E. Bulter Pkwy	Gainesville	GA
First-Citizens Bank & Trust Company Hull Branch	9205 Hwy 29 S	Athens	GA
Wells Fargo Bank, National Association New Holland Market Branch	340 Jesse Jewell Pkwy Se	Gainesville	GA
Wells Fargo Bank, National Association New Holland Market Branch	340 Jesse Jewell Pkwy Se	Gainesville	GA
Wells Fargo Bank, National Association New Holland Market Branch	340 Jesse Jewell Pkwy Se	Gainesville	GA
Bank of America, National Association Gainesville Main Branch	402 Washington Street	Gainesville	GA
United Community Bank Gainesville Branch	311 Jesse Jewell Parkway	Gainesville	GA
United Community Bank Gainesville Branch	311 Jesse Jewell Parkway	Gainesville	GA
Regions Bank Gainesville Main Branch	102 E.E. Bulter Pkwy	Gainesville	GA
Regions Bank Gainesville Main Branch	102 E.E. Bulter Pkwy	Gainesville	GA
United Community Bank Gainesville Branch	311 Jesse Jewell Parkway	Gainesville	GA
Bank of America, National Association Gainesville Main Branch	402 Washington Street	Gainesville	GA
Regions Bank Gainesville Main Branch	102 E.E. Bulter Pkwy	Gainesville	GA
Bank of America, National Association Gainesville Main Branch	402 Washington Street	Gainesville	GA
Bank of America, National Association Gainesville Main Branch	402 Washington Street	Gainesville	GA