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Highest Savings Rates in Georgia
24 Georgia-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top Georgia Rate:4.13%

The Georgia market

Georgia accounts

24

Institutions

17

Top Georgia APY

4.13% APY

Nationally: 5.00% APY

FDIC national average

0.37%

As of Sep 2026

24 savings accounts are open only to Georgia residents, from 17 institutions. The highest advertised APY among them is 4.13%.

The highest nationally available rate is 5.00% APY, 87 basis points above the Georgia leader.

12 of the 24 Georgia savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Georgia-Specific Savings Accounts

These savings accounts are specifically available to Georgia residents.

#1

Austin Capital Bank SSB

Fort Knox Savings

+$413
per year
4.13% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58082)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteAustin Capital Bank SSB

Direct Link to Product Page (Not Sponsored)

#2

American Pride Bank

High Yield Savings

+$400
per year
4.00% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58584)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteAmerican Pride Bank

Direct Link to Product Page (Not Sponsored)

#3

American Pride Bank

Super Savings

+$300
per year
3.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58584)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteAmerican Pride Bank

Direct Link to Product Page (Not Sponsored)

#4

Citibank

Citi Accelerate Savings

+$300
per year
3.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$4.50. Waived for average monthly balances > $500
Compound FreqDaily
Direct DepositNot required
BranchesU.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.
Deposit InsuranceFDIC Insured(Cert: 7213)
EligibilityAlaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming.
Zelle®
SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher).
Mobile Ratings
BBB Rating
D-(Not BBB Accredited)

Rate Stability

Rate Increased
+0.20%
Since 30 days ago
Official SiteCitibank

Direct Link to Product Page (Not Sponsored)

#5

BankUnited, National Association

High Yield Savings Account

+$210
per year
2.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The APY can change at any time at the bank's discretion.

Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58979)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBankUnited, National Association

Direct Link to Product Page (Not Sponsored)

#6

New Millennium Bank

Super Savings

+$200
per year
2.75% APY
Oct 12, 2026

Needs at least $500,000.01

APY Range: 2.00% – 2.75%
FDIC InsuredHigh MinimumIn-Person Access
Show Fine Print & Trends
Min. Deposit$10,000
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35151)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteNew Millennium Bank

Direct Link to Product Page (Not Sponsored)

#7

Century Bank and Trust

Century Saver

+$125
per year
1.25% APY
Oct 7, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

A linked Century Cash or Century Cash Back checking account is required. The top rate applies to balances up to $24,999.99 in a month when the linked checking account meets its qualifications: at least 12 debit card purchases, online banking enrollment and e-statements. The portion above $24,999.99 earns a lower rate, and a month without the qualifications earns the base rate on the whole balance. Each withdrawal after the sixth in a month costs $5.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 147)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCentury Bank and Trust

Direct Link to Product Page (Not Sponsored)

#8

First Port City Bank

Port City Savings

+$100
per year
1.00% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A Port City Rewards Interest Checking or Port City Rewards Checking account and e-statements are required.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 21784)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst Port City Bank

Direct Link to Product Page (Not Sponsored)

#9

United Bank

The Reserve Account

+$60
per year
1.87% APY
Oct 7, 2026

Needs at least $200,000

APY Range: 0.60% – 1.87%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Partner savings account to Gold Checking. Withdrawals are allowed only as a transfer into the Gold Checking account.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 172)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteUnited Bank

Direct Link to Product Page (Not Sponsored)

#10

Craft Bank

Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$250
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 59209)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCraft Bank

Direct Link to Product Page (Not Sponsored)

#11

United Bank

Regular Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $3 service charge applies for each quarter unless a minimum balance of $100 is kept.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance FeeAvoid service charge with minimum balance of $100 ($3 for each quarter otherwise)
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 172)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteUnited Bank

Direct Link to Product Page (Not Sponsored)

#12

United Bank

Minor Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

An adult custodian is required to make withdrawals.

Show Fine Print & Trends
Min. Deposit$0
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 172)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteUnited Bank

Direct Link to Product Page (Not Sponsored)

#13

Hyperion Bank

Statement Savings & HyperSaver Kids

+$35
per year
0.35% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58371)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHyperion Bank

Direct Link to Product Page (Not Sponsored)

#14

Century Bank and Trust

Regular Savings

+$30
per year
0.30% APY
Oct 7, 2026

Needs at least $200

APY Range: 0.15% – 0.30%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Each withdrawal after the sixth in a month costs $5. A $10 fee may be charged if the account is closed within 6 months of opening.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 147)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCentury Bank and Trust

Direct Link to Product Page (Not Sponsored)

#15

First Horizon Bank

Traditional Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The service charge is billed each quarter, not each month. It is refunded when the account is linked to a FirstView checking account, or when the daily balance stays at or above the stated minimum.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$5 quarterly service charge if the daily balance falls below $250; refunded when linked to a FirstView checking account.
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4977)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Horizon Bank

Direct Link to Product Page (Not Sponsored)

#16

Vidalia Federal Savings Bank

Freedom Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29772)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteVidalia Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#17

New Millennium Bank

Neighborhood Savings

+$20
per year
0.20% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0.01
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35151)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteNew Millennium Bank

Direct Link to Product Page (Not Sponsored)

#18

United Community Bank

United Savings

+$15
per year
0.15% APY
Oct 7, 2026

Needs at least $2,500

APY Range: 0.05% – 0.15%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16889)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteUnited Community Bank

Direct Link to Product Page (Not Sponsored)

#19

American Pride Bank

Citizens Savings

+$10
per year
0.10% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58584)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteAmerican Pride Bank

Direct Link to Product Page (Not Sponsored)

#20

Citizens Trust Bank

Regular Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Three withdrawals are allowed each month. Each additional withdrawal costs $3.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$100
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8033)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCitizens Trust Bank

Direct Link to Product Page (Not Sponsored)

#21

RBC Bank, (Georgia) National Association

Personal Savings Account

+$5
per year
0.05% APY
Oct 13, 2026
FDIC InsuredNo Minimums

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 26342)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteRBC Bank, (Georgia) National Association

Direct Link to Product Page (Not Sponsored)

#22

Bank of America

Advantage Savings

+$4
per year
0.04% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$8
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited States
Zelle®
SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

#23

PNC

Standard Savings

+$3
per year
0.03% APY
Oct 12, 2026

Needs at least $2,500

APY Range: 0.02% – 0.03%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

APY may improve with a linked PNC account. Terms and conditions apply.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$1
Maintenance Fee$0 / $5 (see bank for details)
Compound FreqMonthly
Direct DepositNot required
BranchesMultiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI
Deposit InsuranceFDIC Insured(Cert: 6384)
EligibilityUnited States
Zelle®
SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite.
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SitePNC

Direct Link to Product Page (Not Sponsored)

#24

Bank of America

Advantage Relationship Banking

+$1
per year
0.02% APY
Oct 13, 2026

Needs at least $50,000

APY Range: 0.01% – 0.02%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited States
Zelle®
SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

Nationally Available Savings Accounts

The 8 highest-rate savings accounts available nationwide, including in Georgia.

InstitutionProduct / Term
Axos Bank
Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate
Up to5.00%
GO2bank
High Yield Savingsfirst $5,000 only · needs a linked account at the bank
Up to4.50%
Elevault
High Yield Savings Account
4.34%
Peak Bank
Envision High Yield Savingsup to $499,999.99 only
4.27%
Betterment
Cash Reservepromotional rate
Up to4.25%
Neighbors Bank
Neighbors Savings Account
4.25%
Pibank
Pibank Savings
4.25%
EverBank
Performance Savings
4.20%

See the full national list