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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.


When you want your savings to grow regardless of market fluctuations, a Georgia United CD could be a great choice. CDs offer a safe and secure savings option with guaranteed returns so you can save with confidence. If you have cash stashed away in a savings account with no immediate plans to use it, take advantage of our best savings rates and transfer your funds to a Georgia United CD and watch your savings grow. 

CD Overview

Why let your money sit in a checking or savings account when you can earn interest on it? A Georgia United CD is a secure place to store the money you have no plans to use for a set period. The funds you invest in a CD are locked in for a fixed term and reward you with a higher rate of return. Once the term ends, you can access your cash and enjoy the benefits of compound interest.

Lock-in Your Savings Rate

With Georgia United CDs ranging in terms from a few months to several years, you can watch your savings grow while earning interest daily. Once your CD matures, you can opt to renew it for a consecutive term or have the funds transferred to a checking or savings account.

  • Only $1,000 to open
  • No opening or monthly maintenance fees
  • Fixed high-yield savings rates that don't rely on the fluctuating market
  • NCUA insured


Certificates of Deposit Terms Dividend Rate Annual Percentage Yield (APY)
3 months 4.25% 4.32%
6 months 4.60% 4.65%
12 months 5.00% 5.13%
18 months 4.40% 4.50%
24 months 4.20% 4.29%
36 months 3.95% 4.03%
48 months 3.70% 3.77%
60 months 3.60% 3.67%

*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 Additional Terms & Conditions

Rates effective as of