Updated July 2026
Best CD Rates in Atlanta, Georgia
The top CD and money market rates available to Atlanta residents right now — with exact institutions, current APYs, and how to open an account.
Top Rate Available
4.33%
vs. 0.55% national avg
Top Local CD
4.33%
Coosa Valley Credit Union · 24 mo
Top Online Rate
4.30%
Raisin — open to GA residents
National Average
0.55%
What most banks are paying
⚠️
Rate Alert: Atlanta residents have access to rates up to 4.33% — nearly 8x the national bank average of 0.55%. Rates change frequently; always verify directly with the institution before opening an account.
💡 Pro Tip — Atlanta Residents
The top local rate at Coosa Valley CU requires a $100,000 minimum — that’s a jumbo CD. If you have less than that, Family Savings CU at 4.10% with just a $500 minimum is your best local bet. Or skip the branch entirely — Raisin at 4.30% requires just $1 to open and is available to all Georgia residents.
For Atlanta-Area Banks & Credit Unions
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Rates sourced from CD Valet and institution websites. Data as of June–July 2026. Rates are subject to change without notice. The Rate Desk is not a bank or financial advisor. Always verify current rates directly with the institution before opening an account. We may earn a referral fee when you open an account through our links.