Georgia

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You are viewing savings rates in Macon, Georgia

Macon, Georgia Credit Union Savings Rates 2019

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

Macon, GA - June 19, 2019

Savings Account National Average Rate: 0.22% ?

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Credit UnionS APY Vs.
Nat'l
Av.
MIN Miles?
State Farm
Restrictions
2.02% 9.31x $5 5043.54
2.02% 9.29x $50 5042.39
Aflac
Restrictions
1.25% 5.76x $25 5031.07
Southern Pine
Restrictions
1.16% 5.35x $1 4898.23
1.00% 4.61x $1 4971.89
1.00% 4.61x $20,000 4834.24
0.90% 4.15x $25,000 4960.01
0.90% 4.15x $10,000 5043.75
0.90% 4.15x $25,001 5063.63
0.85% 3.92x $25,000 4827.10
0.85% 3.92x $10,000 4960.01
0.85% 3.92x $5,000 5045.18
Membersfirst
Restrictions
0.85% 3.92x $25,000 5040.70
0.80% 3.69x $2,500 4960.01
Excel
Restrictions
0.80% 3.69x $25,000 5042.12
Delta Community
Restrictions
0.80% 3.69x $25,000 5042.84
Georgia's Own
Restrictions
0.80% 3.69x $25,000 0.00
Membersfirst
Restrictions
0.80% 3.69x $10,000 5040.70
0.80% 3.69x $10,001 5063.63
Robins Financial
Restrictions
0.80% 3.69x $25,000 4973.63
0.75% 3.46x $10,000 4827.10
0.75% 3.46x $2,500 5122.14
Georgia Heritage
Restrictions
0.75% 3.46x $25,000 4837.89
Geico
Restrictions
0.75% 3.46x $25,000 4975.75
0.75% 3.46x $50 5045.18
Delta Community
Restrictions
0.75% 3.46x $10,000 5042.84
Atlanta Postal
Restrictions
0.75% 3.46x $50 5041.12
Lge Community
Restrictions
0.75% 3.46x $25,000 5057.06
0.70% 3.23x $25,000 5047.60
0.70% 3.23x $10,000 4983.40
Geico
Restrictions
0.70% 3.23x $5,000 4975.75
Excel
Restrictions
0.70% 3.23x $5,000 5042.12
Family First
Restrictions
0.70% 3.23x $25,000 5042.18
Georgia's Own
Restrictions
0.70% 3.23x $10,000 0.00
Membersfirst
Restrictions
0.70% 3.23x $1,000 5040.70
0.70% 3.23x $2,500 4834.24
0.70% 3.23x $2,500 5063.63
Robins Financial
Restrictions
0.70% 3.23x $10,000 4973.63
Southeastern
Restrictions
0.70% 3.23x $10,000 4902.07
Mutual Savings
Restrictions
0.65% 3.00x $10,001 5045.02
0.65% 3.00x $2,500 4827.10
Peach State
Restrictions
0.65% 3.00x $25,000 5031.93
0.65% 3.00x $1,000 5043.75
0.65% 3.00x $25,000 4971.89
Delta Community
Restrictions
0.65% 3.00x $1,000 5042.84
Georgia United
Restrictions
0.65% 3.00x $25,000 5038.23
Southeastern
Restrictions
0.65% 3.00x $10,001 4902.07
0.60% 2.76x $10,000 5047.60
0.60% 2.76x $2,000 4983.40
Georgia Heritage
Restrictions
0.60% 2.76x $10,000 4837.89
Excel
Restrictions
0.60% 2.76x $1,000 5042.12
Peach State
Restrictions
0.60% 2.76x $10,000 5031.93
0.60% 2.76x $10,000 4971.89
Family First
Restrictions
0.60% 2.76x $10,000 5042.18
Georgia's Own
Restrictions
0.60% 2.76x $2,500 0.00
0.60% 2.76x $25,000 5047.53
Five Star
Restrictions
0.60% 2.76x $2,000 4956.22
Lge Community
Restrictions
0.60% 2.76x $10,000 5057.06
Georgia United
Restrictions
0.60% 2.76x $10,000 5038.23
The Southern
Restrictions
0.60% 2.76x $25,000 5037.30
Robins Financial
Restrictions
0.60% 2.76x $2,500 4973.63
Mutual Savings
Restrictions
0.55% 2.54x $1,000 5045.02
United 1st
Restrictions
0.55% 2.53x $10,000 4821.86
0.55% 2.53x $2,500 4971.89
The Southern
Restrictions
0.55% 2.53x $10,000 5037.30
Southeastern
Restrictions
0.55% 2.53x $2,500 4902.07
0.50% 2.30x $2,500 5047.60
Georgia Heritage
Restrictions
0.50% 2.30x $2,500 4837.89
Altamaha
Restrictions
0.50% 2.30x $25,001 4858.55
0.50% 2.30x $100 4901.46
0.50% 2.30x $100 4835.81
0.50% 2.30x $200 4971.89
Family First
Restrictions
0.50% 2.30x $2,500 5042.18
Envision
Restrictions
0.50% 2.30x $25,000 5204.06
Cgr
Restrictions
0.50% 2.30x $100 4980.77
0.50% 2.30x $10,000 5047.53
Lge Community
Restrictions
0.50% 2.30x $2,500 5057.06
Georgia United
Restrictions
0.50% 2.30x $1 5038.23
The Southern
Restrictions
0.50% 2.30x $2,500 5037.30
Robins Financial
Restrictions
0.50% 2.30x $100 4973.63
United 1st
Restrictions
0.45% 2.07x $100 4821.86
Partners 1st
Restrictions
0.45% 2.07x $25,000 5050.10
Kinetic
Restrictions
0.45% 2.07x $2,500 5031.65
Peach State
Restrictions
0.45% 2.07x $1 5031.93
Energy One
Restrictions
0.40% 1.84x $25,000 5057.70
Altamaha
Restrictions
0.40% 1.84x $10,001 4858.55
0.40% 1.84x $25,000 4858.85
0.40% 1.84x $50 5043.75
Envision
Restrictions
0.40% 1.84x $10,000 5204.06
0.40% 1.84x $25,000 4969.23
0.40% 1.84x $2,500 5047.53
Southeastern
Restrictions
0.40% 1.84x $100 4902.07
0.35% 1.61x $2,500 4983.40
Partners 1st
Restrictions
0.35% 1.61x $5,000 5050.10
0.35% 1.61x $25,000 4902.62
0.35% 1.61x $10,000 4858.85
Delta Community
Restrictions
0.35% 1.61x $1 5042.84
Envision
Restrictions
0.35% 1.61x $10,000 5204.06
Wings Financial
Restrictions
0.35% 1.61x $5,000 5043.16
0.33% 1.52x $2,000 4832.35
Justice
Restrictions
0.30% 1.38x $25,000 5041.79
Altamaha
Restrictions
0.30% 1.38x $2,500 4858.55
0.30% 1.38x $1,000 4974.90
Platinum
Restrictions
0.30% 1.38x $10,000 5040.71
Envision
Restrictions
0.30% 1.38x $2,500 5204.06
0.30% 1.38x $100 4839.71
0.30% 1.38x $2,500 4969.23
North Georgia
Restrictions
0.30% 1.38x $1 5020.10
First Commerce
Restrictions
0.30% 1.38x $25,000 4939.18
Wings Financial
Restrictions
0.30% 1.38x $25,000 5043.16
Doco
Restrictions
0.30% 1.38x $25,000 4968.74
Energy One
Restrictions
0.25% 1.15x $2,500 5057.70
0.25% 1.15x $100 4827.10
0.25% 1.15x $1 4960.01
Justice
Restrictions
0.25% 1.15x $2,500 5041.79
Star Usa
Restrictions
0.25% 1.15x $50,000 -
Partners 1st
Restrictions
0.25% 1.15x $2,500 5050.10
Savannah Schools
Restrictions
0.25% 1.15x $100 4835.78
Altamaha
Restrictions
0.25% 1.15x $25 4858.55
0.25% 1.15x $10,000 4902.62
0.25% 1.15x $2,500 4858.85
Platinum
Restrictions
0.25% 1.15x $1 5040.71
0.25% 1.15x $10 4969.23
Membersfirst
Restrictions
0.25% 1.15x $100 5040.70
0.25% 1.15x $2,500 5063.63
Doco
Restrictions
0.25% 1.15x $501 4968.74
Excel
Restrictions
0.20% 0.92x $2,500 5042.12
Savannah Schools
Restrictions
0.20% 0.92x $10,000 4835.78
0.20% 0.92x $100 4902.62
0.20% 0.92x $2,500 5055.48
Coca-cola
Restrictions
0.20% 0.92x $50 5045.18
Core
Restrictions
0.20% 0.92x $5 4880.21
Wings Financial
Restrictions
0.20% 0.92x $5,000 5043.16
Family Savings
Restrictions
0.20% 0.92x $2,001 5077.17
First Commerce
Restrictions
0.18% 0.83x $2,500 4939.18
Energy One
Restrictions
0.15% 0.69x $100 5057.70
0.15% 0.69x $1 5031.88
0.15% 0.69x $200 5047.60
Star Usa
Restrictions
0.15% 0.69x $2,500 -
Peach State
Restrictions
0.15% 0.69x $2,001 5031.93
0.15% 0.69x $51 5031.01
Envision
Restrictions
0.15% 0.69x $1,000 5204.06
Mutual Savings
Restrictions
0.15% 0.69x $1 5045.02
0.15% 0.69x $1,000 5043.74
Pinnacle
Restrictions
0.15% 0.69x $1,000 5043.88
First Commerce
Restrictions
0.15% 0.69x $10,000 4939.18
Lge Community
Restrictions
0.15% 0.69x $100 5057.06
Wings Financial
Restrictions
0.15% 0.69x $1 5043.16
Georgia United
Restrictions
0.15% 0.69x $1,000 5038.23
Justice
Restrictions
0.10% 0.46x $2,500 5041.79
Pentagon
Restrictions
0.10% 0.46x $10,000 0.00
0.10% 0.46x $1 5070.12
Star Usa
Restrictions
0.10% 0.46x $10 -
Georgia Heritage
Restrictions
0.10% 0.46x $5 4837.89
Geico
Restrictions
0.10% 0.46x $300 4975.75
Kinetic
Restrictions
0.10% 0.46x $25 5031.65
0.10% 0.46x $5 5055.48
0.10% 0.46x $1,001 5002.85
Family First
Restrictions
0.10% 0.46x $251 5042.18
Georgia's Own
Restrictions
0.10% 0.46x $1 0.00
Five Star
Restrictions
0.10% 0.46x $1 4956.22
0.10% 0.46x $10,000 5100.48
0.08% 0.37x $1,000 5100.48
Pentagon
Restrictions
0.05% 0.23x $1 0.00
Powerco
Restrictions
0.05% 0.23x $1 5044.14
0.05% 0.23x $25 5122.14
Star Usa
Restrictions
0.05% 0.23x $5 -
Cdc
Restrictions
0.05% 0.23x $25 5043.81
Partners 1st
Restrictions
0.05% 0.23x $500 5050.10
0.05% 0.23x $500 4911.15
Geovista
Restrictions
0.05% 0.23x $2,500 4851.61
First Technology
Restrictions
0.05% 0.23x $5 5049.26
Srp
Restrictions
0.05% 0.23x $1 4921.62
0.05% 0.23x $100 5045.12
0.05% 0.23x $100 5028.40
0.05% 0.23x $350 5043.74
0.05% 0.23x $1 4834.24
0.05% 0.23x $5 5047.53
First Commerce
Restrictions
0.05% 0.23x $2,500 4939.18
0.05% 0.23x $1,000 5100.48
Powerco
Restrictions
0.03% 0.14x $2,500 5044.14
0.03% 0.14x $100 5044.95
Emory Alliance
Restrictions
0.02% 0.09x $1,000 5041.48
0.01% 0.05x $50 5042.75
Pinnacle
Restrictions
0.01% 0.05x $100 5043.88
Emory Alliance
Restrictions
0.01% 0.05x $2,500 5041.48
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION


Credit Union Savings Accounts 2019

Credit union savings accounts (also sometimes called share certificates or money market accounts) are savings vehicles that are offered by credit unions. Many Americans enjoy performing their banking transactions with credit unions as they are technically member-owned and may have branches close by. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions do have limited fields of membership – you must be a resident of a certain area or have a family member who was employed by a certain company. Other credit unions will have fields of membership that are virtually open ended (eg. must love life, etc.). If you find a credit union that interests you because of a rate or a service or a location, but are unsure if you qualify for membership, it is often worth reaching out to the credit union to discuss the parameters of the field of membership and whether there may be other ways in which you may qualify for membership.

Unlike online banks and even many local banks, all but the largest credit unions often lack robust online banking features. If you are interested in online banking, be sure to ask your credit unions about the online and mobile services they offer.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

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