Atlanta, Georgia
Best CD & Money Market Rates in Atlanta — June 2026
We track local banks, credit unions, and top online options so you don’t have to drive around comparing rates.
Last updated: June 14, 2026 · Rates change — check back weekly
4.25%
Best Local CD Rate
0.55%
National CD Average
$1,850
Extra Earned on $50K at Best Rate vs. Average
⚠️ Rates are moving. The Fed has cut rates three times since late 2025. If you’ve been waiting to lock in a CD, now is the time — rates are still historically solid but trending down. Don’t leave money in a standard savings account earning under 1%.
🏆 Top CD Rates in Atlanta — June 2026
| Bank / Institution | Term | APY | Min. Deposit | |
|---|---|---|---|---|
| Loyal Trust Bank (Johns Creek, GA) | 12 mo | 4.25% | $1,000 | View → |
| Raisin (Online — FDIC Insured) | 12 mo | 4.25% | $1 | View → |
| Georgia’s Own Credit Union | 12 mo | Verify at site | $500 | View → |
| Delta Community Credit Union | 6 mo | Verify at site | $1,000 | View → |
| National Average | 12 mo | 0.55% | — |
💡 The Rate Desk Tip
The national average on a 1-year CD is only 0.55% right now. If you have $50,000 sitting at a big bank earning that rate, you’re leaving nearly $1,850 a year on the table compared to the best available rate. That’s real money. It takes 15 minutes to move it.
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📈 Top Money Market Rates in Atlanta — June 2026
| Bank / Institution | Type | APY | Min. Balance | |
|---|---|---|---|---|
| Fitness Bank (Georgia) | MMA | 4.30% | Verify at site | View → |
| Marcus by Goldman Sachs (Online) | HYSA | 3.90% | $0 | View → |
| Atlanta Postal Credit Union | MMA | Verify at site | Varies | View → |
| National Average | Savings | 0.46% | — |
💡 The Rate Desk Tip
Money market accounts give you flexibility — access your money anytime without early withdrawal penalties. If you think you might need funds in the next 6 months, a high-yield money market is smarter than locking into a CD you might break early and pay a penalty on.
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Rates shown are for informational purposes and subject to change without notice. Some rates marked “Verify at site” reflect institutions known to be competitive — confirm current rates directly before opening an account. The Rate Desk may earn a referral fee when you open an account through our links. Not financial advice.