Earn More With The Best CD for Your Savings

Term Share Certificates (or CD) Features

Put your hard-earned money to work and enjoy this risk-free investment. It's a guaranteed way to earn more money on your savings!

  • Great Rates We offer highly competitive rates to help you build your savings.
  • Variety of Term Options Choose a term between 6 months and 5 years that works for your needs.
  • Guaranteed Returns Term Share Certificates (or CDs) are a safe, guaranteed, risk-free investment.
  • Low Minimum Deposit Open with as little as $1,000.
Man pulls money for investments

Term Share Certificate (or CD) Rates

You deserve more! Our Term Share Certificate (or CD) rates help you grow your savings faster than if your money were in a traditional savings account.

*APY – Annual Percentage Yield. Rates may change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. The penalty is 30 days’ dividends for Term Share Certificates (or CDs) with terms of six to 12 months and 90 days’ dividends for those with terms above 12 months. Fees could reduce earnings on the account. All accounts are subject to the applicable terms and conditions set forth in the Understanding Your Share Accounts brochure, including but not limited to Terms and Conditions, Funds Availability, Truth-in-Savings, and Electronic Funds Transfer.

Term Share Certificate (or CD) Rates ($1,000 & Up)

TERM
Dividend Rate
*APY
TERM
6 Months
Dividend Rate
0.50%
*APY
0.50%
TERM
1 Year
Dividend Rate
0.70%
*APY
0.70%
TERM
2 Years
Dividend Rate
0.85%
*APY
0.85%
TERM
3 Years
Dividend Rate
1.00%
*APY
1.00%
TERM
4 Years
Dividend Rate
1.24%
*APY
1.25%
TERM
5 Years
Dividend Rate
1.39%
*APY
1.40%
Effective September 23, 2022

Freedom Term Share Certificate (or CD) Rates ($2,500 & Up)

TERM
Dividend Rate
*APY
TERM
1 Year
Dividend Rate
0.60%
*APY
0.60%
Effective September 23, 2022

Loyalty Term Share Certificate (or CD) Rates ($10,000 & Up Plus 15 Years of Membership)

TERM
Dividend Rate
*APY
TERM
1 Year Loyalty
Dividend Rate
0.85%
*APY
0.85%
TERM
2 Years Loyalty
Dividend Rate
1.00%
*APY
1.00%
TERM
3 Years Loyalty
Dividend Rate
1.19%
*APY
1.20%
TERM
4 Years Loyalty
Dividend Rate
1.44%
*APY
1.45%
TERM
5 Years Loyalty
Dividend Rate
1.64%
*APY
1.65%
Effective September 23, 2022

*APY – Annual Percentage Yield. Rates may change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. The penalty is 30 days’ dividends for Term Share Certificates (or CDs) with terms of six to 12 months and 90 days’ dividends for those with terms above 12 months. Fees could reduce earnings on the account. All accounts are subject to the applicable terms and conditions set forth in the Understanding Your Share Accounts brochure, including but not limited to Terms and Conditions, Funds Availability, Truth-in-Savings, and Electronic Funds Transfer.

Elderly couple talk about savings with each other
INVEST IN YOUR FUTURE

What is a Term Share Certificate (or CD)?

Term Share Certificates (or CDs) are an investment that offers guaranteed returns on your deposits. If you have extra savings, you can invest some of those savings in a Term Share Deposit (or CD) that will pay you higher dividends than a standard Savings Account. Term Share Certificates (or CDs) are available with terms of six to 60 months and offer competitive rates of return. You can rest assured knowing that you can reach your savings goals. 

  • Save for college.
  • Open as a gift for a loved one.
  • Save in your golden years without the risk.
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Testimonial

I've been a member with Peach State for years and it's been a great place to bank. The people are friendly and go out of their way to help.
 
- Acquilla W.
The staff are always nice and friendly. Very efficient service. 
 
- Tonda B.
I enjoy visiting them often and the experience makes banking such a pleasure. Thanks!
 
- Jay D.