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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.


Don't let your money sit idle. If you have cash stashed away in a savings account with no immediate plans to use it, take advantage of our best savings rates with a Georgia United CD. By securing a fixed term, you can sit back, relax and watch your savings grow. 

Spark your savings with 5.05% APY*

Limited Time CD Offer

Let your savings shine with this special offer. For new deposits of $1,000 or more, enjoy 5.05% APY* on a 7 month CD. Don't miss out on this limited time offer!

Members with maturing CDs can also take advantage of this great rate by renewing and adding $1,000 to their balance. Call us or visit a Georgia United branch to renew your CD today.

See How CDs work for you

Want to guarantee your earnings? With a Georgia United CD, lock in your savings rate for a set term. When it matures, choose to renew or transfer funds to your account.

  • Only $1,000 to open
  • No opening or monthly maintenance fees
  • Fixed rate that doesn't rely on the fluctuating market
  • NCUA insured


Certificates of Deposit Terms Dividend Rate Annual Percentage Yield (APY)
3 months 3.75% 3.80%
6 months 4.00% 4.04%
12 months 4.50% 4.60%
18 months 4.20% 4.29%
24 months 3.90% 3.98%
36 months 3.70% 3.77%
48 months 3.65% 3.72%
60 months 3.60% 3.67%

Open a Georgia United Certificate of Deposit Today

*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. Membership and eligibility requirements apply. Membership requires a $5 one-time, nonrefundable membership fee, and a minimum initial deposit of $5.

7 month CD Promotion

APY is fixed for the term of the limited time promotion. Members with a Georgia United CD that reaches maturity may choose to renew at the promotional rate by increasing their deposit balance by $1,000. The funds used to open the CD cannot currently be in a deposit account with Georgia United. A 7 month term will earn 5.05% APY and at maturity, the CD will renew at a 6 month term at the prevailing rate.

See Additional Terms & Conditions

Rates effective as of