Highest Savings Rates in Georgia
24 Georgia-specific accounts
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.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$413per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #2 | Show Details | +$400per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #3 | Show Details | +$300per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #4 | Show Details | +$300per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #5 | BankUnited, National Association High Yield Savings Account 2.10%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$210per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #6 | Show Details | +$200per yearEffective: 2.00% | Deposit Insurance FDIC InsuredRequires High Minimum Features In-Person Access | $10,000 | |
| #7 | Show Details | +$125per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $50 | |
| #8 | Show Details | +$100per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #9 | Show Details | +$60per yearEffective: 0.60% | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $50 | |
| #10 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #11 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #12 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #13 | Hyperion Bank Statement Savings & HyperSaver Kids 0.35%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$35per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #14 | Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #15 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #16 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #17 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #18 | United Community Bank United Savings Up to0.15%APY Needs at least $2,500 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #19 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #20 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #21 | Show Details | +$5per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No Minimums | N/A | |
| #22 | Show Details | +$4per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 | |
| #23 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $25 | |
| #24 | Bank of America Advantage Relationship Banking Up to0.02%APY Needs at least $50,000 Observed: Oct 13, 2026 Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 |
Austin Capital Bank SSB
Fort Knox Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58082) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
American Pride Bank
High Yield Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58584) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
American Pride Bank
Super Savings
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58584) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Citibank
Citi Accelerate Savings
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| Deposit Insurance | FDIC Insured(Cert: 7213) |
| Eligibility | Alaska, 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
BankUnited, National Association
High Yield Savings Account
What to Watch
Variable rate. The APY can change at any time at the bank's discretion.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58979) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
New Millennium Bank
Super Savings
Needs at least $500,000.01
Show Fine Print & Trends Hide Details
| Min. Deposit | $10,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35151) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Century Bank and Trust
Century Saver
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 Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 147) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Port City Bank
Port City Savings
What to Watch
A Port City Rewards Interest Checking or Port City Rewards Checking account and e-statements are required.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 21784) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
United Bank
The Reserve Account
Needs at least $200,000
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 Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 172) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Craft Bank
Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $250 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 59209) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
United Bank
Regular Savings
What to Watch
A $3 service charge applies for each quarter unless a minimum balance of $100 is kept.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | Avoid service charge with minimum balance of $100 ($3 for each quarter otherwise) |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 172) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
United Bank
Minor Savings
What to Watch
An adult custodian is required to make withdrawals.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 172) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Hyperion Bank
Statement Savings & HyperSaver Kids
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58371) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Century Bank and Trust
Regular Savings
Needs at least $200
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 Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 147) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Horizon Bank
Traditional Savings
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 Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $5 quarterly service charge if the daily balance falls below $250; refunded when linked to a FirstView checking account. |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4977) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Vidalia Federal Savings Bank
Freedom Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29772) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
New Millennium Bank
Neighborhood Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35151) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
United Community Bank
United Savings
Needs at least $2,500
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16889) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
American Pride Bank
Citizens Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58584) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Citizens Trust Bank
Regular Savings
What to Watch
Three withdrawals are allowed each month. Each additional withdrawal costs $3.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8033) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
RBC Bank, (Georgia) National Association
Personal Savings Account
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 26342) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of America
Advantage Savings
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 Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $8 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
PNC
Standard Savings
Needs at least $2,500
What to Watch
APY may improve with a linked PNC account. Terms and conditions apply.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $1 |
| Maintenance Fee | $0 / $5 (see bank for details) |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple 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 Insurance | FDIC Insured(Cert: 6384) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Bank of America
Advantage Relationship Banking
Needs at least $50,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United 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.
Nationally Available Savings Accounts
The 8 highest-rate savings accounts available nationwide, including in Georgia.
| Institution | Product / Term | APY |
|---|---|---|
| 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% |