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Savings Accounts

Start saving to reach your financial goals with a Georgia United Savings Account. Whether you’re building an emergency fund, saving for a family vacation or putting money aside for the holidays, we have a variety of savings options to help you meet your goals.

Start Saving Towards Your Goals

Prime Share Savings Account

Your Georgia United membership begins when you open a Prime Share savings account. If you're not already a member, you'll need to open this basic savings account to take advantage of other product offerings.

  • Open with a $5 minimum deposit and $5 one-time membership fee
  • Earn dividends on average daily balance of $100 or more
  • Includes two free withdrawals per month*
  • No monthly maintenance fee**
  • ATM Card available

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More Options to Save

Money Market Savings

Earn interest at a rate typically higher than savings accounts. Money Market features include:

  • Low minimum opening deposit of $1,000
  • Earn interest with competitive rates that increase as your funds increase
  • Write checks, make unlimited deposits and receive three free withdrawals per month*
  • No monthly maintenance fee—just maintain a $1,000 daily balance**

Certificates of Deposit


A CD is a safe and secure savings tool that grows regardless of the fluctuating market. 

  • Save with higher dividend rates
  • Save confidently with predictable rates of return
  • Save securely with funds insured by the NCUA

Individual Retirement Accounts


IRAs are great for long-term financial goals and may provide you with additional tax benefits.****

  • Traditional, Roth and Educational IRAs available
  • No minimum opening deposit

"You Name It" Savings

This customizable account is as unique as your financial goals. Tell us what you're saving for and that's what we'll name your account. 

  • Open with a $5 minimum deposit
  • Earn dividends on average daily balance of $100+
  • Includes two free withdrawals per month*

Vacation Club Savings

Save at your own pace and earn dividends while you plan your perfect getaway.

  • Earn dividends on average daily balance of $25+
  • Includes one free withdrawal per quarter*


Christmas Club Savings

Stash away some money for the holidays. The money you save is automatically deposited into your Prime Share savings account on November 1.

  • Earn dividends on average daily balance of $25+
  • Unlimited withdrawals November 1 – December 31
  • $5 fee per withdrawal outside of above time period*
I've been banking with Georgia United since 2014 and I will not ever go back to a traditional bank. I do not pay unnecessary fees and charges which I appreciate. I can save and see my money grow without the bank constantly taking out fees and charges. The service is wonderful as well.
- Vivian C.
Georgia United has more perks than my previous banking institution. Options for my children, savings for holidays/birthdays, and friendly customer service.
- Marisha T.
The credit union provides good interest rates on savings and I feel that my credit union is part of my community.
- Annelies M.

*You may have no more than six (6) preauthorized, automatic, telephone, or online transfers from this account to another account of yours or to a third party in any month. You will receive two (2) free withdrawals per month, thereafter your account may be subject to a fee or be closed. A preauthorized transfer includes any arrangement made to pay a third party from your account, including ACH. For a Money Market Savings, you will receive three (3) free withdrawals per month. For a Christmas Club account, the entire balance will be transferred to another account of yours on or after November 1 and the account will remain open. For Christmas Club accounts, there will be a fee for withdrawals made January 1 - October 31. For Vacation Club accounts, one (1) free withdrawal is allowed per quarter, thereafter a fee for each withdrawal. 
**Account must be kept active with a $5 minimum balance to avoid service charges. For a Money Market Savings, account must maintain an average daily balance of $1,000 to avoid service charges; otherwise $5.00 fee per month. See Georgia United's Share Rate and Fee Schedule for more details.

***APY = Annual Percentage Yield. APY and Dividend Rate are accurate as of the last dividend declaration date, and may change after the account is opened. Fees could reduce the earnings on the account. Overdraft/returned item fees may apply, see Share Rate and Fee Schedule for additional fees that may apply. CDs, the minimum deposit and minimum balance required to earn the advertised APY is $1,000; early withdrawal penalties may apply.

****Not intended as tax advice. Please consult a tax professional before making decisions regarding your IRA.