Georgia

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Valdosta, Georgia Savings Rates

You are viewing savings rates from banks in Valdosta, Georgia

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

Valdosta, GA - July 30, 2025

Savings Account National Average Rate: 0.45% ?

Banks APY MIN

Last change: ↓ 0.15% on February 3.

| Jan 22, 2025

It wasn't all smooth. I needed to call, long wait times. In the end, I felt like the beta customer which isn't how you want to feel with a bank. Read More

Cornerstone Money Market Account. Bank reports that this account is available to new customers only. Old account holders in the savings product are earning 1.10%.
Rate History: 4.56% → 4.46% → 4.41% → 4.36% → 4.31%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Last change: ↓ 0.30% on March 12.

Rate History: 5.25% → 5.05% → 4.80% → 4.50% → 4.20%

| Jul 26, 2024

Multiple roadblocks trying to set up a savings account with Jenius Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, an... Read More

Last change: ↓ 0.30% on December 9, 2024.

Rate History: 4.50% → 4.00% → 3.45% → 4.40% → 4.10%

| Jan 18, 2024

Hi, We've noticed your website is at risk due to spammy comments and contact form submissions, making it susceptible to issues like spammy backlinks and data breaches. Don't worry—there's a simple sol... Read More

Direct Savings. Bank reports that this rate is available for new accounts only.
Last change: ↓0.05% on April 4.
Rate History: 4.40% → 4.30% → 4.20% → 4.10% → 4.05%

| Dec 18, 2023

I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More

Last change: ↓ 0.10% on January 2.

Rate History: 4.50% → 4.25% → 4.10% → 4.00%

| Jan 10, 2024

Account was frozen (over 400K) after they confused our account with another account / person whose name was not even very similar. We were treated like dirt after 12 years and "Guilty until Innocent". I ha... Read More

Last change: ↓ 0.20% on February 6.

Rate History: 4.00% → 4.25% → 4.10% → 3.90%

| Aug 2, 2023

Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More

Rate History: 4.20% → 4.10% → 4.10% → 3.90% → 3.85%

| Aug 2, 2023

Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More

Rate History: 4.00% → 3.65% → 3.66%

| Jul 28, 2022

Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More

Last change: ↓ 0.10% on April 25.

Rate History: 4.30% → 4.10% → 4.00% → 3.70% → 3.60%

| Jun 10, 2024

I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More

| Nov 12, 2023

Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More

| 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

Last change: ↑ 0.09% on February 13, 2023.

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

0.40%

$2,500

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0.35%

$2,500

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0.35%

$25,000

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0.30%

$25,000

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0.30%

$10,000

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0.25%

$25,000

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| 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

0.25%

$2,500

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0.25%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$0

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0.15%

$10,000

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| 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

0.15%

$100

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.15%

$2,500

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0.15%

$2,500

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Rate not available in all states.

| May 21, 2018

I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More

| 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

0.10%

$2,500

Learn More

| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.07%

$25,000

Learn More

| 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

| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

| 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

| 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

| Mar 25, 2019

CDs shown are not offered in Knoxville area Read More

0.03%

$2,500

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0.01%

$0

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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.


Branches Info around Valdosta, Georgia


Branch Street City State
Truist Bank
Valdosta Main Branch
2901 North Ashley Street Valdosta GA
Regions Bank
Downtown Valdosta Branch
509 North Patterson Street Valdosta GA
Finworth, a division of InsBank
Lake Park Branch
1012 Lakes Boulevard Lake Park GA
Regions Bank
Downtown Valdosta Branch
509 North Patterson Street Valdosta GA
Farmers and Merchants Bank
South Valdosta Branch
1201 South Patterson Valdosta GA
Farmers and Merchants Bank
South Valdosta Branch
1201 South Patterson Valdosta GA
First Federal Savings and Loan Association of Valdosta
Lakes Blvd. Branch
801 Lakes Blvd. Lake Park GA
The Citizens National Bank of Quitman
The Citizens National Bank Of Quitma Branch
100 East Stevens Street Quitman GA
First Federal Savings and Loan Association of Valdosta
Lakes Blvd. Branch
801 Lakes Blvd. Lake Park GA
Citizens Community Bank Georgia
Baytree Branch
1210 Baytree Road Valdosta GA
Guardian Bank
Norman Drive Office Branch
246 Norman Drive Valdosta GA
The Citizens National Bank of Quitman
The Citizens National Bank Of Quitma Branch
100 East Stevens Street Quitman GA
First Federal Savings and Loan Association of Valdosta
Lakes Blvd. Branch
801 Lakes Blvd. Lake Park GA
Citizens Community Bank Georgia
Baytree Branch
1210 Baytree Road Valdosta GA
Commercial Banking Company
Valdosta Branch
1215 Baytree Road Valdosta GA
The Citizens National Bank of Quitman
The Citizens National Bank Of Quitma Branch
100 East Stevens Street Quitman GA
Commercial Banking Company
Valdosta Branch
1215 Baytree Road Valdosta GA
Guardian Bank
Norman Drive Office Branch
246 Norman Drive Valdosta GA
The Trust Bank
Adel Branch
607 West Fourth Street Adel GA
Armed Forces Bank, National Association
Moody Afb Branch
4343 George Street Valdosta GA
Citizens Community Bank Georgia
Baytree Branch
1210 Baytree Road Valdosta GA
First Federal Savings and Loan Association of Valdosta
Lakes Blvd. Branch
801 Lakes Blvd. Lake Park GA
Ameris Bank
Quitman Branch
1000 West Screven Street Quitman GA
Commercial Banking Company
Valdosta Branch
1215 Baytree Road Valdosta GA
Armed Forces Bank, National Association
Moody Afb Branch
4343 George Street Valdosta GA
Colony Bank
Colony Bank Quitman, Fsb Branch
602 E Screven Street Quitman GA
Ameris Bank
Quitman Branch
1000 West Screven Street Quitman GA
Armed Forces Bank, National Association
Moody Afb Branch
4343 George Street Valdosta GA
Bank OZK
Lake Park Branch
1012 Lakes Boulevard Lake Park GA
Bank of America, National Association
Valdosta Main Branch
106 South Patterson Street Valdosta GA
Renasant Bank
Valdosta Branch
3295 Inner Perimeter Road Valdosta GA
Colony Bank
Colony Bank Quitman, Fsb Branch
602 E Screven Street Quitman GA
Regions Bank
Downtown Valdosta Branch
509 North Patterson Street Valdosta GA
Truist Bank
Valdosta Main Branch
2901 North Ashley Street Valdosta GA


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

FREQUENTLY ASKED QUESTIONS ABOUT LOCAL SAVINGS RATES


Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings & CD Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

  • Find a bank with a location convenient to you. Location counts.
  • Choose a bank with good rates. Rates are important to get continued growth of your capital.
  • Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
  • Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
  • Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
  • Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you receive. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
  • Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
  • Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.