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Certificates of Deposit (CD)

The future is uncertain, but when you open a high yield CD with Georgia United, you'll lock in a great rate with a guaranteed return. Invest today so you can save for tomorrow.

Get Our Best Savings Rates

When you want your savings to grow regardless of market fluctuations, a Georgia United CD could be a great choice. With a CD, your investment will grow at the interest rate that is locked in over a fixed, predetermined time period. If you have cash stashed away in a savings account with no immediate plans to use it, consider transferring your funds to a new Georgia United CD and watch your savings grow! 


Start growing your savings today with our promotional, high yield CD offer. Members who have direct deposit can take advantage of this special offer. 

  • Maximize your earning potential with 3.05% APY*
  • Minimum opening deposit of $5,000
  • Must make a direct deposit within 90 days


  • Save more than a standard savings account
  • Save confidently with predictable rates of return
  • Guaranteed interest rates
  • No monthly fees
  • IRA Certificate of Deposit options available



Certificates of Deposit Terms Dividend Rate Annual Percentage Yield (APY)
3 months 0.25% 0.25%
6 months 0.40% 0.40%
12 months 0.75% 0.75%
18 months 0.90% 0.90%
24 months 0.95% 0.95%
36 months 1.05% 1.06%
48 months 1.45% 1.46%
60 months 1.75% 1.77%

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. Fees could reduce the earnings on the account. Early withdrawal penalties may apply.

See Additional Terms & Conditions


Open a Georgia United Certificate of Deposit Today

*APY = Annual Percentage Yield is fixed for the term of the promotion. The minimum deposit and balance required to earn APY is $5,000.00 and requires a direct deposit made into a Georgia United account within 90 days of open date.  Direct Deposits include recurring electronic deposits. Dividend rate of 3.00% compounded daily and credited quarterly.  3.05% APY is accurate as of 9/7/22. At maturity, the CD will renew at a 12 month term at the prevailing rate. Limited time offer. Membership and eligibility requirements apply. Membership requires a $5 one-time, nonrefundable membership fee, and a minimum initial deposit of $5. 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. Insured by NCUA