Best CD Rates in Georgia
Vikram Singh
Best 6-Month CD Rates in Georgia

Bank or Credit Union Name: Capital One
Minimum Amount: $0
APY / Rate: 5.00%
Pros:
- No minimum balance required
- Interest is paid end of the term, monthly,, or annually
- 5-minutes easy account opening process
- FDIC-insured investment options
Rules:
- A CD account can be opened online by accessing the website if you are already a member of Capital One bank.
- Interest is accrued daily but paid and compounded monthly.
- Premature withdrawal from the CD is subject to a penalty.

Bank or Credit Union Name: My Banking Direct
Minimum Amount: $2500.00
APY / Rate: 4.50% APY
Pros:
- The high yield rate of interest
- A decent minimum amount required
- FDIC-insured banking option
- Strong customer support system
- $0 Monthly maintenance fee
Rules:
- To open a CD an investor can approach the bank online or in-branch.
- Less than six months: 30 days’ simple interest on the principal amount withdrawn
- 6 months up to and including 11 months: 90 days’ simple interest on the principal amount withdrawn
- 12 months up to and including 35 months: 180 days’ daily compound interest on the principal amount withdrawn.
- The interest on the CD is compounded monthly.
Best 12 Month CD Rates in Georgia

Bank or Credit Union Name: Synchrony Bank
Minimum Amount: $0
APY / Rate: 4.50%
Pros:
- No minimum balance required
- Higher interest rates
- Accurate saving solution with a CD ladder
- CD calculator available on the bank website
Rules:
- Withdrawing principal prior to the maturity date earns a penalty
1. Term less than one year- 90 days of simple interest
2. The term more than one year and less than 48 months- 180 days of simple interest
3. The term more than 48 months: 365 days of simple interest - Interest can be withdrawn anytime during the CD term without any penalty
- Interest can be transferred to Synchrony bank account or other bank saving accounts

Bank or Credit Union Name: Alliant credit union
Minimum Amount: $1000
APY / Rate: 4.65%
Pros:
- Earn a high rate and grow your savings faster
- 24/7 online and mobile banking
- No monthly fee if you elect eStatements
- Be a member and owner, not just a number
Rules:
- A $1000.00 minimum deposit is required to open a Regular Alliant Certificate.
- A $75,000 minimum deposit is required to open an Alliant Jumbo CertificatE
- Dividends compounded monthly or on maturity
- Dividends can be withdrawn monthly without any penalty
- If dividend is withdrawn, simple interest replaces compound interest
- Penalty charged on pre-mature CD account closing
Best 3 Years CD Rates in Georgia

Bank or Credit Union Name: Alliant credit union
Minimum Amount: $1000
APY / Rate: 4.60%
Pros:
- Earn a high rate and grow your savings faster
- 24/7 online and mobile banking
- No monthly fee if you elect eStatements
- Be a member and owner, not just a number
Rules:
- A $1000.00 minimum deposit is required to open a Regular Alliant Certificate.
- A $75,000 minimum deposit is required to open an Alliant Jumbo CertificatE
- Dividends compounded monthly or on maturity
- Dividends can be withdrawn monthly without any penalty
- If dividend is withdrawn, simple interest replaces compound interest
- Penalty charged on pre-mature CD account closing

Bank or Credit Union Name: Randolph-Brooks Federal Credit Union
Minimum Amount: $20000
APY / Rate: 4.60%
Pros:
- Best CD rates in the region
- No risk involved with investment
- FDIC-insured investment options
Rules:
- Monthly compounding of interest
- Dividends are transferred to an account (RBFCU checking, savings, and money market accounts, or other bank’s account) every month
- Automatic renewal on maturity after completion of grace period
- The grace period allows investors to roll over or alter the CD term before reinvesting
Best 5 Years CD Rates in Georgia

Bank or Credit Union Name: Alaska USA FCU
Minimum Amount: $500
APY / Rate: 4.55% APY
Pros:
- The high yield rate of interest
- A decent minimum amount required
- FDIC-insured banking option
- Strong customer support system
Rules:
- To open a CD an investor can approach the bank online or in-branch.
- The minimum deposit allowed in a CD is $500 and the maximum limit is set at $250,000.
- The interest on the CD is compounded monthly.
- Premature withdrawal from the CD is subject to a penalty.

Bank or Credit Union Name: GTE Financial Credit Union
Minimum Amount: $500
APY / Rate: 4.54% APY
Pros:
- Open with as little as $500
- Some of the best rates in the nation
- Variety of term options
- Open online in minutes
- Federally Insured by NCUA
Rules:
- No early withdrawals may be made during the first 60 days from opening the Share Certificate.
- Early withdrawals will be penalized anywhere from 90 to 180 days of earned dividends. Please review your Certificate disclosure for more details.
- There are no penalties for monthly dividend withdrawals. Early withdrawal penalties will apply if the certificate is closed before the maturity date.
- You can withdraw up to 10% of the principal plus dividends one time per year (20% of the current balance if over 59 1/2 years old) with no early withdrawal penalty on IRA certificates.
- Any monthly withdrawals or transfers reduce earnings.