Savings Account Basics
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Certificates of Deposit (CD)
When you want your savings to grow regardless of market fluctuations, a Georgia United CD could be a great choice.
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There aren’t many guarantees in life anymore, but with a Georgia United Certificate of Deposit, your original 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!
REASONS TO OPEN A CD
- Save more than a standard savings account*
- Save confidently with predictable rates of return
- Guaranteed interest rates
- No monthly fees
- Open a CD with as little as $1,000.00
- IRA Certificate of Deposit options available
CURRENT CD RATES
| Certificates of Deposit Terms | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 3 months | 0.20% | 0.20% |
| 6 months | 0.40% | 0.40% |
| 12 months | 0.50% | 0.50% |
| 18 months | 0.60% | 0.60% |
| 24 months | 0.70% | 0.70% |
| 36 months | 0.80% | 0.80% |
| 48 months | 0.90% | 0.90% |
| 60 months | 0.95% | 0.95% |
The Dividend Rate and Annual Percentage Yield may change every Dividend Period as determined by the Credit Union’s Board of Directors. Dividends compounded daily, credited monthly, quarterly or at maturity. 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 apply.