CD Rates in Georgia for Consumers with Good Credit Histories
If you live in Atlanta, Augusta, Columbus, Savannah, Athens, or any other city in GA, you know how important it is to research and compare multiple GA CD rates to identify the best CD rates in GA.
Of course, research takes time, which is not a luxury that many consumers have, especially when it comes to CD rates in GA.
To simplify the research process, the sections below provide additional information for consumers looking for the best CD rates in GA from top financial services and banking firms.
Thankfully, Georgia residents have plenty of savings products and CD rates in Georgia available for a variety of savings needs.
However, whether you’re interested in a 5-month or 5-year-CD, it’s important to find the best Georgia rates to ensure that your savings can grow.
Atlanta, GA
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Which Georgia City Are You Located In?
Below is a list of the largest cities in Georgia. Click here to view current and best GA rates displayed above.
Biggest Cities in Georgia | Est. Population |
| Atlanta | 472,522 |
| Columbus | 197,485 |
| Augusta | 197,182 |
| Savannah | 146,763 |
| Athens | 123,371 |
| Sandy Springs | 105,703 |
| Roswell | 94,598 |
| Macon | 92,582 |
| Johns Creek | 83,873 |
| Warner Robins | 74,388 |
High Yield Savings Rates vs the Best CD Rates in GA
Conducting thorough research is essential when selecting the best CD rates in Georgia or the best CD rates in Atlanta, Macon, Savannah, Augusta, or other cities in the state of Georgia.
However, you might also want to consider high-yield savings accounts in GA. Some online high-yield savings accounts offer much higher rates than the highest CD rates in GA.
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Early Withdrawal Penalties
Even if you find the best CD rates in GA, they won’t do you much good if you withdraw your funds early.
Of course, to get the most out of your certificate of deposit, withdrawing your money before the CD has matured is not advised. However, there may be cases where an early withdrawal is necessary, such as a family or financial emergency.
Even if you don’t plan on incurring a fee, it’s good to understand your bank’s policies on early withdrawal penalties to help you make smart financial decisions.
Each CD will have different early withdrawal penalties, often worth several months of interest from Georgia CD rates.
However, it is possible that a withdrawal penalty could include some of the principal balance, which means that you could potentially lose money by withdrawing funds early.
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Conclusion: Finding the Top CD Rates that GA Has to Offer
Don’t forget that you will probably not be able to withdraw funds from a CD until it has matured, which could be difficult for consumers that prefer liquidity in their investments.
Conversely, Georgia CDs are ideal for consumers that have difficulty keeping their savings intact long enough for it to grow.
Consider your financial goals, your current savings plan, and the best CD rates in GA (or across the nation) to determine whether CD rates in GA are the right fit for you.
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CD, Saving and MMA Rate Table Disclaimer
Click here to read AdvisoryHQ’s disclaimer on the rate table(s) displayed on this page.
Table source:
https://www.google.com/search?q=biggest+cities+in+georgia&oq=biggest+cities+in+georgia
Image source:
https://pixabay.com/en/atlanta-georgia-skyline-city-70847/
AdvisoryHQ (AHQ) Disclaimer:
Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.
Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.