In this guide, we’ll compare the best fixed annuity rates with the best CD rates in Georgia.
Earn The Highest Interest Rates On Savings Today
Fixed annuities are almost identical to Certificates of Deposit (CDs) accounts and provide higher interest rates and penalty-free withdrawals for income. Why settle for less than 1% on your money when you can earn 3% and liquidity?
Term | Insurance Company | Interest Rate |
---|---|---|
24 Months | Oceanview | 3.50% |
36 Months | Canvas Annuity | 4.30% |
48 Months | Oceanview | 4.10% |
60 Months | Americo | 4.20% |
72 Months | Americo | 4.30% |
Disclaimer: This is a review. The Annuity Expert is not associated with a bank or credit union. However, fixed annuities are sold at most financial institutions. Our goal is to help you find the highest interest rates for your retirement savings.
Best 2 Year CD Rates and Fixed Annuity Rates – Local
Rate Type | Company | Rate (APY) |
---|---|---|
CD Rate | Atlanta Postal Credit Union | 0.70% |
Fixed Annuity Rate | Oceanview | 2.70% |
Best 3 Year CD Rates and Fixed Annuity Rates – Local
Rate Type | Company | Rate (APY) |
---|---|---|
CD Rate | Delta Community Credit Union | 0.80% |
Fixed Annuity Rate | Canvas Future Fund | 4.30% |
Best 5 Year CD Rates and Fixed Annuity Rates – Local
Rate Type | Company | Rate (APY) |
---|---|---|
CD Rate | Delta Community Credit Union | 1.00% |
Fixed Annuity Rate | Canvas Future Fund | 4.30% |
Top Fixed Annuity Rates
Company | Term | Rate | Withdrawals |
---|---|---|---|
Oceanview | 2 Years | 2.85% | 10% Allowed Annually |
Canvas | 3 Years | 4.30% | 10% Allowed Annually |
Canvas | 5 Years | 4.30% | 10% Allowed Annually |
Canvas | 7 Years | 4.30% | 10% Allowed Annually |
Popular Bank Rate Searches
Certificates of Deposit vs. Fixed Annuity
The Top Fixed Annuities
Fixed annuities offer a guaranteed return for a set amount of years, similar to a CD. Guaranteed crediting rates for the terms below:
- 2-YEAR TERM: 3.50%
- 3-YEAR TERM: 4.30%
- 4-YEAR TERM: 4.15%
- 5-YEAR TERM: 4.30%
- 6-YEAR TERM: 4.30%
- 7-YEAR TERM: 4.50%
- Grow your money as fast as possible
- Principal protection
- The interest rate is locked for the term you select
- Tax-deferred growth
- Withdraw annually without penalty
- Lump-sum death benefits
- Accepts cash, 401(k), and IRA Funds
What’s The Difference Between a Fixed Annuity and a CD?
Feature | Fixed Annuity | CD |
---|---|---|
Who Offers | Insurance Company | Banks |
Premium Amounts | $2,500 to $1 Million | $500 – No Maximum |
Terms | 2 Years to 20 Years | 3 Months to 7 Years |
Guaranteed Interest Rates | Up to 4.50% | Up to 2.50% |
Triple Compounding | Yes | No |
Principal Protection | Yes | Yes |
Can Lose Money? | No | No |
Liquid After Term | 100% | 100% |
How Are Gains Taxed? | Tax-Deferred | Taxed Annually |
Annual Liquidity | Up to 10% Annually | No Liquidity |
Who Protects My Money? | Insurance Company/SGA | FDIC |
Accepts IRA | Yes | No |
Accepts 401(k) | Yes | No |
Death Benefit | Lump-Sum | Lump-Sum |
Are Annuities FDIC Insured?
Fixed annuities are not FDIC insured but have similar protections for your money. An annuity is an insurance policy guaranteed by the insurance company’s claims-paying ability. The insurance companies are members of the state insurance guarantee associations in each state where they do business. Each state insurance guarantee association protects consumers in the unlikely event the insurance company fails and defaults on their obligations to their consumers (limits vary per state).
For example, Georgia insures up to $250,000 of the annuity’s cash value per insured life if the insurance company becomes insolvent and can not fulfill its obligations to the insured.
Best CD Rates in Georgia
Best 3-Month CD Rates | Rate | Term | Minimum |
---|---|---|---|
Atlanta Postal Credit Union | 0.35% APY | 3 Months | $500.00 |
Georgia United Credit Union | 0.20% APY | 3 Months | $1,000.00 |
Kinetic Credit Union | 0.15% APY | 3 Months | $500.00 |
Best 6-Month CD Rates | Rate | Term | Minimum |
---|---|---|---|
Georgia’s Own Credit Union | 0.40% APY | 6 Months | $500.00 |
Delta Community Credit Union | 0.35% APY | 6 Months | $1,000.00 |
Peach State FCU | 0.25% APY | 6 Months | $1,000.00 |
Atlanta Postal Credit Union | 0.40% APY | 6 Months | $500.00 |
Robins Financial Credit Union | 0.65% APY | 6 Months | $500.00 |
Associated Credit Union | 0.50% APY | 6 Months | $200.00 |
Georgia United Credit Union | 0.50% APY | 6 Months | $1,000.00 |
LGE Community Credit Union | 0.43% APY | 6 Months | $100,000.00 |
Kinetic Credit Union | 0.25% APY | 6 Months | $500.00 |
United Community Bank | 0.10% APY | 6 Months | $2,500.00 |
Best 12-Month CD Rates | Rate | Term | Minimum |
---|---|---|---|
Georgia’s Own Credit Union | 0.70% APY | 12 Months | $500.00 |
Delta Community Credit Union | 0.80% APY | 12 Months | $1,000.00 |
Peach State FCU | 0.50% APY | 12 Months | $1,000.00 |
Atlanta Postal Credit Union | 0.70% APY | 12 Months | $500.00 |
Robins Financial Credit Union | 0.70% APY | 12 Months | $500.00 |
Associated Credit Union | 0.80% APY | 12 Months | $200.00 |
Georgia United Credit Union | 0.60% APY | 12 Months | $1,000.00 |
LGE Community Credit Union | 0.46% APY | 12 Months | $100,000.00 |
Kinetic Credit Union | 0.50% APY | 12 Months | $500.00 |
United Community Bank | 0.10% APY | 12 Months | $2,500.00 |
Best 24-Month CD Rates | Rate | Term | Minimum |
---|---|---|---|
Georgia’s Own Credit Union | 1.00% APY | 24 Months | $500.00 |
Delta Community Credit Union | 1.00% APY | 24 Months | $1,000.00 |
Peach State FCU | 0.65% APY | 24 Months | $1,000.00 |
Atlanta Postal Credit Union | 1.00% APY | 24 Months | $500.00 |
Robins Financial Credit Union | 2.00% APY | 15 Months | $500.00 |
Associated Credit Union | 0.95% APY | 24 Months | $200.00 |
Georgia United Credit Union | 0.80% APY | 24 Months | $1,000.00 |
LGE Community Credit Union | 0.57% APY | 24 Months | $100,000.00 |
Kinetic Credit Union | 0.65% APY | 24 Months | $500.00 |
Best 36-Month CD Rates | Rate | Term | Minimum |
---|---|---|---|
Georgia’s Own Credit Union | 1.10% APY | 36 Months | $500.00 |
Delta Community Credit Union | 1.15% APY | 36 Months | $1,000.00 |
Peach State FCU | 0.75% APY | 36 Months | $1,000.00 |
Atlanta Postal Credit Union | 1.10% APY | 36 Months | $500.00 |
Robins Financial Credit Union | 0.85% APY | 36 Months | $500.00 |
Associated Credit Union | 1.20% APY | 36 Months | $200.00 |
Georgia United Credit Union | 0.90% APY | 36 Months | $1,000.00 |
LGE Community Credit Union | 0.64% APY | 36 Months | $100,000.00 |
Kinetic Credit Union | 0.65% APY | 36 Months | $500.00 |
Best 48-Month CD Rates | Rate | Term | Minimum |
---|---|---|---|
Georgia’s Own Credit Union | 1.20% APY | 48 Months | $500.00 |
Delta Community Credit Union | 1.35% APY | 48 Months | $1,000.00 |
Peach State FCU | 0.85% APY | 48 Months | $1,000.00 |
Atlanta Postal Credit Union | 1.20% APY | 48 Months | $500.00 |
Robins Financial Credit Union | 0.90% APY | 48 Months | $500.00 |
Associated Credit Union | 1.30% APY | 48 Months | $200.00 |
Georgia United Credit Union | 0.95% APY | 48 Months | $1,000.00 |
LGE Community Credit Union | 0.78% APY | 48 Months | $100,000.00 |
Kinetic Credit Union | 0.65% APY | 48 Months | $500.00 |
Best 60-Month CD Rates | Rate | Term | Minimum |
---|---|---|---|
Georgia’s Own Credit Union | 1.20% APY | 60 Months | $500.00 |
Delta Community Credit Union | 1.35% APY | 60 Months | $1,000.00 |
Peach State FCU | 1.09% APY | 60 Months | $1,000.00 |
Atlanta Postal Credit Union | 1.25% APY | 60 Months | $500.00 |
Robins Financial Credit Union | 0.95% APY | 60 Months | $500.00 |
Associated Credit Union | 1.35% APY | 60 Months | $200.00 |
Georgia United Credit Union | 1.00% APY | 60 Months | $1,000.00 |
LGE Community Credit Union | 0.88% APY | 60 Months | $100,000.00 |
Best Fixed Annuity Rates in Georgia
For More Rates, check out:
- The CD Vs. The Fixed Annuity
- National Fixed Annuity Rates
- National High-Yield Savings Account and Bank Rates
Find CD Rates and Fixed Annuity Rates By State
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