If you’re living in Georgia, then there’s no reason for you not to take advantage of Atlanta Business Bank’s impressive Certificate of Deposit rates. Probably the most eye-catching are the CD rates for the 60-month and 48-month accounts. If you’re opening a 5-year CD, you’ll be earning as high as 3.20% APY. This is unquestionably among the top CD rates in the market today. The 4-year CD yield is also attractive, pegged at 2.89% APY.

While the shorter-termed CDs have lower interest rates, they’re still competitive compared to other CD rates in the market today. The 36-month CD yields 2.68% APY, the 24-month CD earns as much as 2.38% annually, and the 18-month CD has an APY of 2.17%.

As with other bank rates, these are among the highest CD rates today, but it will do you good to still check the bank’s website for updates. As was said earlier, these CDs are only available locally. You can open an account online by using Andera. Just go to the bank’s homepage, and the link for the electronic application should be there.

CD rates tend to fluctuate in a matter of days, though. While they remain competitive now, you will want to check the current CD rates first before you apply.

While online application tools are available, the bank also put default Georgia zip codes applicants can choose from. Obviously, if you don’t live in Georgia, you’re not eligible for the account. The bank itself only has one office which is located in the heart of Atlanta, Georgia.

There’s sad news for those who are concerned about the bank’s safety and soundness ratings, though. It rated only two stars from BauerFinancial, and 1 star from Bankrate.com. This is probably expected, since they’ve only been around since 2002. The bank is a member of the FDIC, and is insured under FDIC Certificate #57264.