Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across Georgia
Below are three-year CD Rates from banks in Georgia. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.
GA - November 5, 2024
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
3.98% |
$1,000 |
- |
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3.85% |
$1,000 |
- |
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|
|
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Rate History: 4.00% → 3.90% → 3.85% |
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|
george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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|
3.60% |
$0 |
- |
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|
|
|
Rate History: 4.10% → 4.00% → 3.75% → 3.60% |
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|
highstream | 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 |
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|
3.60% |
$0 |
- |
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|
|
|
Rate History: 3.25% → 3.60% |
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|
lrcbob | Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More |
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|
3.50% |
$1,000 |
- |
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|
|
|
3.45% 0.30% |
$250,000 $1,000 |
- |
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|
|
|
Rate History: 3.70% → 3.55% → 3.75% → 3.45% |
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|
NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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|
3.10% |
$5,000 |
- |
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|
|
|
Dana E. | Mar 20, 2016 Good solid bank. Read More |
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|
3.00% |
$1,000 |
- |
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|
|
|
2.55% |
$1,000 |
- |
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|
|
|
Rate History: 2.75% → 2.55% |
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|
RYAN S | Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More |
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|
2.50% |
$1,000 |
- |
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|
|
|
Rate History: 4.30% → 0.55% → 5.10% → 0.55% → 2.50% |
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|
Dkplan | Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More |
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|
2.50% |
$500 |
- |
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|
|
|
2.50% |
$500 |
- |
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|
|
|
Rate History: 4.00% → 2.50% → 4.00% → 2.00% → 2.50% |
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|
2.00% |
$0 |
- |
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|
|
|
Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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|
2.00% |
$10,000 |
- |
Learn More
|
|
|
Rate History: 3.00% → 2.50% → 2.00% |
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|
Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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|
1.75% |
$500 |
- |
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|
|
|
1.70% |
$1,000 |
- |
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|
|
|
1.66% |
$10,000 |
- |
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|
|
|
Rate History: 2.02% → 1.66% |
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|
1.40% |
$500 |
- |
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|
|
|
Rate History: 1.00% → 1.40% |
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|
Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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|
1.35% |
$10,000 |
- |
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|
|
|
1.26% |
$10,000 |
- |
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|
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|
1.26% |
$10,000 |
- |
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|
|
|
1.26% |
$10,000 |
- |
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|
|
|
It's just me | Aug 20, 2022 FNB FOLKSTON,GA, Ga. is the BEST bank to do business with, they go above and beyond for their customers, staff Is Great!! Sure miss some of the former employees though!! Read More |
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|
1.16% |
$10,000 |
- |
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|
|
|
1.15% |
$10,000 |
- |
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|
|
|
1.10% |
$10,000 |
- |
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|
|
|
1.10% |
$10,000 |
- |
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|
|
|
1.05% |
$10,000 |
- |
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|
|
|
1.04% |
$10,000 |
- |
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|
|
|
1.01% |
$10,000 |
- |
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|
|
|
1.00% |
$10,000 |
- |
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|
|
|
1.00% |
$10,000 |
- |
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|
|
|
Carol Walters | Mar 29, 2021 I have had problems with Oconee State Bank blocking purchases I made online from a legitimate business for pet products. They block it because the seller is in the UK, even though I have purchased from the... Read More |
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|
1.00% |
$10,000 |
- |
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|
|
|
1.00% |
$10,000 |
- |
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|
|
|
1.00% |
$10,000 |
- |
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|
|
|
Lily | Dec 14, 2021 no reveiw Read More |
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|
1.00% |
$10,000 |
- |
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|
|
|
1.00% |
$10,000 |
- |
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|
|
|
1.00% |
$10,000 |
- |
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|
|
|
1.00% |
$10,000 |
- |
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|
|
|
1.00% |
$10,000 |
- |
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|
|
|
1.00% |
$10,000 |
- |
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|
|
|
1.00% |
$10,000 |
- |
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|
|
|
1.00% |
$10,000 |
- |
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|
|
|
Rate History: 3.51% → 1.00% → 3.51% → 1.00% |
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|
Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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|
0.95% |
$10,000 |
- |
Learn More
|
|
|
ronald.burrell673@gmail.com | Aug 11, 2019 We have trouble with them crediting payments made on time, by the time point Aand B get your payment and record it, you are always seen as a late payment. This just drives me crazy, also, they don't do all... Read More |
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|
0.95% |
$10,000 |
- |
Learn More
|
|
|
0.95% |
$10,000 |
- |
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|
|
|
0.95% |
$100,000 |
- |
Learn More
|
|
|
0.95% |
$10,000 |
- |
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|
|
|
0.95% |
$10,000 |
- |
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|
|
|
0.90% |
$10,000 |
- |
Learn More
|
|
|
0.90% |
$100,000 |
- |
Learn More
|
|
|
0.90% |
$10,000 |
- |
Learn More
|
|
|
0.85% |
$10,000 |
- |
Learn More
|
|
|
0.85% |
$10,000 |
- |
Learn More
|
|
|
0.85% |
$10,000 |
- |
Learn More
|
|
|
0.85% |
$10,000 |
- |
Learn More
|
|
|
0.85% |
$1,000 |
- |
Learn More
|
|
|
0.85% |
$500 |
- |
Learn More
|
|
|
0.80% |
$10,000 |
- |
Learn More
|
|
|
0.80% |
$10,000 |
- |
Learn More
|
|
|
0.80% |
$10,000 |
- |
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|
|
|
0.80% |
$10,000 |
- |
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|
|
|
0.80% |
$10,000 |
- |
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|
|
|
0.80% |
$10,000 |
- |
Learn More
|
|
|
0.80% |
$1,000 |
- |
Learn More
|
|
|
0.80% |
$100,000 |
- |
Learn More
|
|
|
0.80% |
$10,000 |
- |
Learn More
|
|
|
0.80% |
$10,000 |
- |
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|
|
|
0.80% |
$10,000 |
- |
Learn More
|
|
|
314201 | Sep 18, 2018 I have been a satisfied customer at the Hodgson Memorial branch. The customer service is always excellent. Jenny Collins has been especially helpful and professional. Read More |
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|
0.80% |
$10,000 |
- |
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|
|
|
0.80% |
$10,000 |
- |
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|
|
|
0.80% |
$100,000 |
- |
Learn More
|
|
|
bdowda | Feb 12, 2022 The rate information listed here is incorrect, but Community Bank of Pickens County is a great bank with great customer service. I opened an account today so not sure the source this website uses, but the ... Read More |
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|
0.75% |
$10,000 |
- |
Learn More
|
|
|
0.75% |
$10,000 |
- |
Learn More
|
|
|
0.75% |
$500 |
- |
Learn More
|
|
|
bdowda | Feb 12, 2022 The rate information listed here is incorrect, but Community Bank of Pickens County is a great bank with great customer service. I opened an account today so not sure the source this website uses, but the ... Read More |
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|
0.75% |
$10,000 |
- |
Learn More
|
|
|
0.75% |
$1,000 |
- |
Learn More
|
|
|
0.75% |
$10,000 |
- |
Learn More
|
|
|
0.75% |
$500 |
- |
Learn More
|
|
|
Justice | Jul 22, 2021 This is a criminal lender and the worst bank. They merged with CenterState Bank.. They have made our lives miserable with a wrongful, fraudulent foreclosure. We will be starting a Website with all of the ... Read More |
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|
0.75% |
$10,000 |
- |
Learn More
|
|
|
0.75% |
$10,000 |
- |
Learn More
|
|
|
adriane jackson | Aug 29, 2015 hello I need to know how much it is to open a regular savings that gains intrest Read More |
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|
0.75% |
$10,000 |
- |
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|
|
|
0.75% |
$10,000 |
- |
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|
0.75% |
$10,000 |
- |
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|
|
0.75% |
$10,000 |
- |
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|
|
|
0.75% |
$100,000 |
- |
Learn More
|
|
|
0.71% |
$10,000 |
- |
Learn More
|
|
|
0.70% |
$10,000 |
- |
Learn More
|
|
|
0.70% |
$10,000 |
- |
Learn More
|
|
|
0.70% |
$10,000 |
- |
Learn More
|
|
|
0.70% |
$10,000 |
- |
Learn More
|
|
|
0.70% |
$10,000 |
- |
Learn More
|
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|
0.70% |
$10,000 |
- |
Learn More
|
|
|
0.70% |
$10,000 |
- |
Learn More
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|
0.70% |
$10,000 |
- |
Learn More
|
|
|
0.70% |
$10,000 |
- |
Learn More
|
|
|
Samantha | Dec 14, 2021 Awesome i lost half my money and they paid me triple Read More |
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|
0.70% |
$10,000 |
- |
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|
|
|
0.65% |
$10,000 |
- |
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|
|
|
0.65% |
$10,000 |
- |
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|
|
0.65% |
$10,000 |
- |
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|
0.65% |
$10,000 |
- |
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|
0.65% |
$10,000 |
- |
Learn More
|
|
|
Bonjo | Nov 10, 2022 Sammi rude I feel she gets mad if she has to do anything Seneca up town bank like she is scholing me no people skills very moody needs to be talked to Read More |
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|
0.65% |
$10,000 |
- |
Learn More
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|
|
0.65% |
$500 |
- |
Learn More
|
|
|
0.65% |
$100,000 |
- |
Learn More
|
|
|
0.60% |
$10,000 |
- |
Learn More
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|
|
0.60% |
$10,000 |
- |
Learn More
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|
|
0.60% |
$10,000 |
- |
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|
|
0.60% |
$500 |
- |
Learn More
|
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|
0.60% |
$10,000 |
- |
Learn More
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|
|
0.60% |
$10,000 |
- |
Learn More
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|
|
0.60% |
$10,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
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|
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|
0.55% |
$500 |
- |
Learn More
|
|
|
0.55% |
$10,000 |
- |
Learn More
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|
|
0.55% |
$10,000 |
- |
Learn More
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|
|
0.55% |
$10,000 |
- |
Learn More
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|
|
0.55% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
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|
|
0.50% |
$10,000 |
- |
Learn More
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|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
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|
|
0.50% |
$10,000 |
- |
Learn More
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|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$500 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
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|
|
0.50% |
$10,000 |
- |
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|
0.50% |
$10,000 |
- |
Learn More
|
|
|
A | 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 |
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|
0.50% |
$10,000 |
- |
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|
|
|
0.45% |
$10,000 |
- |
Learn More
|
|
|
0.45% |
$10,000 |
- |
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|
|
0.45% |
$100,000 |
- |
Learn More
|
|
|
me | Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More |
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|
0.45% |
$10,000 |
- |
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|
|
|
0.45% |
$10,000 |
- |
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0.40% |
$10,000 |
- |
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0.40% |
$10,000 |
- |
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0.40% |
$10,000 |
- |
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0.40% |
$10,000 |
- |
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|
|
0.40% |
$10,000 |
- |
Learn More
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|
|
me | Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More |
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|
0.35% |
$500 |
- |
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|
|
|
0.35% |
$100,000 |
- |
Learn More
|
|
|
Scrappy | Mar 10, 2021 HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More |
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|
0.35% |
$10,000 |
- |
Learn More
|
|
|
Angry | Aug 8, 2022 DO NOT USE THIS BANK!!!! My brother passed and unfortunately he had a savings account with these thieves. I properly went through probate court and got an Order for the bank to release the funds to me and... Read More |
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0.35% |
$500 |
- |
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|
0.33% |
$1,000 |
- |
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|
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thedon | Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More |
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0.32% |
$10,000 |
- |
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0.30% |
$10,000 |
- |
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0.30% |
$10,000 |
- |
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0.25% |
$1,000 |
- |
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GOb | Dec 18, 2023 They will not cash savings bonds for non-account holders Read More |
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|
0.25% |
$10,000 |
- |
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0.25% |
$10,000 |
- |
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Lori Kroko | Mar 10, 2021 I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More |
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0.25% |
$10,000 |
- |
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0.25% |
$10,000 |
- |
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|
rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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|
0.20% |
$10,000 |
- |
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COLETTE B | 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 |
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|
0.20% |
$10,000 |
- |
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Scrappy | Mar 10, 2021 HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More |
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|
0.20% |
$100,000 |
- |
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0.15% |
$10,000 |
- |
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Bauhinia C | Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More |
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0.10% |
$500 |
- |
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Ugg | Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More |
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0.10% |
$1,000 |
- |
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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|
0.05% 0.01% |
$2,501 $2,500 |
- |
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Rate History: 0.03% → 0.05% |
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0.05% |
$500 |
- |
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MrBond | Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More |
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|
0.05% |
$2,500 |
- |
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Rate History: 0.02% → 0.05% |
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|
Seeko | Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More |
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|
0.03% |
$25,000 |
- |
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GAM | May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More |
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|
0.03% |
$100,000 |
- |
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Treasure | 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 |
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|
0.01% |
$500 |
- |
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|
|
|
Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.
The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.
Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.
While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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