Put Your Money to Work for You in a CD

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Term Share Certificates (or CDs) 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.
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Enjoy the Best Term Share Certificate (or CD) Rates

You deserve more! Grow your savings faster than a traditional savings account with some of the best Term Share Certificate (or CD) rates in Georgia and South Carolina.

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*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
3.45%
*APY
3.50%
TERM
1 Year
Dividend Rate
4.03%
*APY
4.10%
TERM
2 Years
Dividend Rate
3.40%
*APY
3.45%
TERM
3 Years
Dividend Rate
3.20%
*APY
3.25%
TERM
4 Years
Dividend Rate
3.40%
*APY
3.45%
TERM
5 Years
Dividend Rate
3.45%
*APY
3.50%
Effective October 18, 2024

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

TERM
Dividend Rate
*APY
TERM
1 Year
Dividend Rate
3.93%
*APY
4.00%
Effective October 18, 2024

Loyalty Term Share Certificate (or CD) Rates ($10,000 & Up Plus 5 Years of Membership)

TERM
Dividend Rate
*APY
TERM
1 Year Loyalty
Dividend Rate
4.17%
*APY
4.25%
TERM
2 Years Loyalty
Dividend Rate
3.54%
*APY
3.60%
TERM
3 Years Loyalty
Dividend Rate
3.40%
*APY
3.45%
TERM
4 Years Loyalty
Dividend Rate
3.59%
*APY
3.65%
TERM
5 Years Loyalty
Dividend Rate
3.69%
*APY
3.75%
Effective October 18, 2024

*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.

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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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Budgeting Templates

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Convenient local location, friendly staff, supports local community.
 
- Judith A.
 
Staff is always friendly and the credit union offers a lot of different services that are beneficial for the members.
 
- Khaneisha W.
 
Good rates on CDs. Great help when there’s a problem like stolen checks, website, lockout, etc. 40 years of friendly service for me from Peach State Federal Credit Union
 
- Marsha H.
 

Frequently Asked Questions

These are a few of the commonly asked questions about Peach State's services.
For even more FAQs, check out our Member Knowledge Base.
Do you offer IRA Certificates?
Yes, Peach State does offer IRA Term Certificates as well as Advantage IRA Certificates. Explore the minimum amount requirements.
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What do I need to open an account at Peach State?
Joining Peach State is easy! Once you're ready to open an account, explore the documents you will need.
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Who can join Peach State?
Peach State offers membership to the employees of our sponsor Boards of Education, and many Select Employee Groups (SEGs) and associations.
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Member Knowledge Base