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Certificates of Deposit (CD)

Discover the power of saving with a Georgia United high-yield certificate of deposit (CD). Watch your investments grow with secure returns that are guaranteed to give you peace of mind.
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Grow Your Savings With Confidence

A certificate of deposit (CD) is a simple, dependable way to grow your money. With a fixed rate and set term, Georgia United CDs offer predictable earnings and protection from market ups and downs. If you have cash stashed away in a savings account with no immediate plans to use it, transfer your funds to a Georgia United CD and watch your savings grow with our best savings rates. 


What Makes Our CD Work for You


Guaranteed Growth

Set your rate from the start and know exactly what you’ll earn from day one.

 

Daily Interest

Dividends compound daily without the worry of market ups and downs.

 

Competitive Rates

Earn more than a traditional savings with no monthly maintenance fees.

 

Featured CD Options


Short‑Term CDs

Perfect for near‑future goals or first‑time CD savers, offering reliable returns and quick access at maturity.

 


Long‑Term CDs

Ideal for maximizing growth when you don’t need immediate access with higher earning potential and strong, stable returns.

 


Promotional CDs

Looking for an even better rate? Explore special‑term offers designed to help your savings grow faster.

 

Featured CD Rates

Prefer a shorter commitment or ready for long-term growth? Check out our full lineup of CD terms and rates.

6 Month

Certificate of Deposit
2.85%
APY*

12 Month

Certificate of Deposit
3.35%
APY*

27 Month

Promotional Certificate of Deposit
4.00%
APY*

EXPLORE MORE RATES

Open a CD Your Way

Choose the path that works for you:

  • Complete our quick online application or visit a branch for personal support
  • No need for a large initial investment. Fund your account with a minimum of $1,000.
  • Sit back and let your money work for you.

    • Start saving with confidence—your future self will thank you.

Start Saving

When Your Savings Term Ends

As your CD gets closer to its end date, we’ll send reminders so you have everything you need to choose your next step with confidence. Take a look at your options to renew, choose a new term or move your money.

Simply, go with what works for you.

Questions? Let us help you get the answers you need.

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*APY = Annual Percentage Yield and Dividend Rate are accurate as of the last dividend declaration date, and may change after the account matures. The minimum deposit and minimum balance required to earn the advertised APY is $1,000. Penalty will be imposed for early withdrawal and fees could reduce the earnings on the account, see  terms and conditions for additional restrictions and fees that may apply. Membership and eligibility requirements apply. Membership requires a $5 one-time, nonrefundable membership fee, and a minimum initial deposit of $5.

For Special Certificates, the minimum deposit to earn the advertised APY is $1,000, and the funds cannot currently be in a Georgia United account. The terms of a Special Certificate account expire at the time of renewal. Special Certificate will roll over to the closest similar term available at the time of renewal at the prevailing dividend rate.

Rates effective as of