The Best Fixed Annuity and CD Rates in Georgia

Shawn Plummer

CEO, The Annuity Expert

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?

TermInsurance CompanyInterest Rate
24 MonthsOceanview3.50%
36 MonthsCanvas Annuity4.30%
48 MonthsOceanview4.10%
60 MonthsAmerico4.20%
72 MonthsAmerico4.30%
*Fixed annuities are only for saving money to use in retirement.

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 TypeCompanyRate (APY)
CD RateAtlanta Postal Credit Union0.70%
Fixed Annuity RateOceanview2.70%
APY = Annual Percentage Yield

Best 3 Year CD Rates and Fixed Annuity Rates – Local

Rate TypeCompanyRate (APY)
CD RateDelta Community Credit Union0.80%
Fixed Annuity RateCanvas Future Fund4.30%
APY = Annual Percentage Yield

Best 5 Year CD Rates and Fixed Annuity Rates – Local

Rate TypeCompanyRate (APY)
CD RateDelta Community Credit Union1.00%
Fixed Annuity RateCanvas Future Fund 4.30%
APY = Annual Percentage Yield

Top Fixed Annuity Rates

Oceanview2 Years2.85%10% Allowed Annually
Canvas3 Years4.30%10% Allowed Annually
Canvas5 Years4.30%10% Allowed Annually
Canvas7 Years4.30%10% Allowed Annually

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Compare CD Rates From 423 Banks And Credit Unions

Find the highest interest rates for your savings ranging from 3 months to 5 years.

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?

FeatureFixed AnnuityCD
Who OffersInsurance CompanyBanks
Premium Amounts$2,500 to $1 Million$500 – No Maximum
Terms2 Years to 20 Years3 Months to 7 Years
Guaranteed Interest RatesUp to 4.50%Up to 2.50%
Triple CompoundingYesNo
Principal ProtectionYesYes
Can Lose Money?NoNo
Liquid After Term100%100%
How Are Gains Taxed?Tax-DeferredTaxed Annually
Annual LiquidityUp to 10% AnnuallyNo Liquidity
Who Protects My Money?Insurance Company/SGAFDIC
Accepts IRAYesNo
Accepts 401(k)YesNo
Death BenefitLump-SumLump-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 RatesRateTermMinimum
Atlanta Postal Credit Union0.35% APY3 Months$500.00
Georgia United Credit Union0.20% APY3 Months$1,000.00
Kinetic Credit Union0.15% APY3 Months$500.00
Best 6-Month CD RatesRateTermMinimum
Georgia’s Own Credit Union0.40% APY6 Months$500.00
Delta Community Credit Union0.35% APY6 Months$1,000.00
Peach State FCU0.25% APY6 Months$1,000.00
Atlanta Postal Credit Union0.40% APY6 Months$500.00
Robins Financial Credit Union0.65% APY6 Months$500.00
Associated Credit Union0.50% APY6 Months$200.00
Georgia United Credit Union0.50% APY6 Months$1,000.00
LGE Community Credit Union0.43% APY6 Months$100,000.00
Kinetic Credit Union0.25% APY6 Months$500.00
United Community Bank0.10% APY6 Months$2,500.00
Best 12-Month CD RatesRateTermMinimum
Georgia’s Own Credit Union0.70% APY12 Months$500.00
Delta Community Credit Union0.80% APY12 Months$1,000.00
Peach State FCU0.50% APY12 Months$1,000.00
Atlanta Postal Credit Union0.70% APY12 Months$500.00
Robins Financial Credit Union0.70% APY12 Months$500.00
Associated Credit Union0.80% APY12 Months$200.00
Georgia United Credit Union0.60% APY12 Months$1,000.00
LGE Community Credit Union0.46% APY12 Months$100,000.00
Kinetic Credit Union0.50% APY12 Months$500.00
United Community Bank0.10% APY12 Months$2,500.00
Best 24-Month CD RatesRateTermMinimum
Georgia’s Own Credit Union1.00% APY24 Months$500.00
Delta Community Credit Union1.00% APY24 Months$1,000.00
Peach State FCU0.65% APY24 Months$1,000.00
Atlanta Postal Credit Union1.00% APY24 Months$500.00
Robins Financial Credit Union2.00% APY15 Months$500.00
Associated Credit Union0.95% APY24 Months$200.00
Georgia United Credit Union0.80% APY24 Months$1,000.00
LGE Community Credit Union0.57% APY24 Months$100,000.00
Kinetic Credit Union0.65% APY24 Months$500.00
Best 36-Month CD RatesRateTermMinimum
Georgia’s Own Credit Union1.10% APY36 Months$500.00
Delta Community Credit Union1.15% APY36 Months$1,000.00
Peach State FCU0.75% APY36 Months$1,000.00
Atlanta Postal Credit Union1.10% APY36 Months$500.00
Robins Financial Credit Union0.85% APY36 Months$500.00
Associated Credit Union1.20% APY36 Months$200.00
Georgia United Credit Union0.90% APY36 Months$1,000.00
LGE Community Credit Union0.64% APY36 Months$100,000.00
Kinetic Credit Union0.65% APY36 Months$500.00
Best 48-Month CD RatesRateTermMinimum
Georgia’s Own Credit Union1.20% APY48 Months$500.00
Delta Community Credit Union1.35% APY48 Months$1,000.00
Peach State FCU0.85% APY48 Months$1,000.00
Atlanta Postal Credit Union1.20% APY48 Months$500.00
Robins Financial Credit Union0.90% APY48 Months$500.00
Associated Credit Union1.30% APY48 Months$200.00
Georgia United Credit Union0.95% APY48 Months$1,000.00
LGE Community Credit Union0.78% APY48 Months$100,000.00
Kinetic Credit Union0.65% APY48 Months$500.00
Best 60-Month CD RatesRateTermMinimum
Georgia’s Own Credit Union1.20% APY60 Months$500.00
Delta Community Credit Union1.35% APY60 Months$1,000.00
Peach State FCU1.09% APY60 Months$1,000.00
Atlanta Postal Credit Union1.25% APY60 Months$500.00
Robins Financial Credit Union0.95% APY60 Months$500.00
Associated Credit Union1.35% APY60 Months$200.00
Georgia United Credit Union1.00% APY60 Months$1,000.00
LGE Community Credit Union0.88% APY60 Months$100,000.00

Best Fixed Annuity Rates in Georgia

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Disclaimer: I may receive a small referral fee if you purchase something using a link in this article.

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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