Best 6-Month CD Rates in Georgia

4.0
Bankrate Score

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.
4.0
Bankrate Score

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  • Less than six months: 30 days’ simple interest on the principal amount withdrawn
  • 6 months up to and including 11 months: 90 days’ simple interest on the principal amount withdrawn
  • 12 months up to and including 35 months: 180 days’ daily compound interest on the principal amount withdrawn.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

4.0
Bankrate Score

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  • Interest can be withdrawn anytime during the CD term without any penalty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
4.0
Bankrate Score

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

4.0
Bankrate Score

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
4.0
Bankrate Score

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

4.0
Bankrate Score

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.
4.0
Bankrate Score
GTE Financial

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.

National CD Rates

Average CD Rates

1-YEAR CD 1.82%
2-YEAR CD 1.75%
6-MONTH CD 2.10%
5-YEAR CD 2.47%
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