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  • Rates

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Current Rates as of: 9/18/2018


New and Pre-Owned Vehicles

Type Annual Percentage Rate Estimated Monthly Payment Per $1000
12 Months 2.14% 12 Months / $84.30 per $1,000
24 Months 2.24% 24 Months / $42.65 per $1,000
36 Months 2.54% 36 Months / $28.88 per $1,000
48 Months 2.64% 48 Months / $21.98 per $1,000
60 Months 2.94% 60 Months / $17.94 per $1,000
72 Months 3.64% 72 Months / $15.48 per $1,000
84 Months 3.84% 84 Months / $13.60 per $1,000
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New and Pre-Owned Motorcycles, RVs, Boats, Campers, and Other Recreational Vehicles

Type Annual Percentage Rate Estimated Monthly Payment Per $1000
12 Months 4.24% 12 Months / $85.26 per $1,000
24 Months 4.49% 24 Months / $43.64 per $1,000
36 Months 4.74% 36 Months / $29.85 per $1,000
48 Months 4.89% 48 Months / $22.98 per $1,000
60 Months 4.99% 60 Months / $18.87 per $1,000
72 Months 5.14% 72 Months / $16.17 per $1,000
84 Months 5.24% 84 Months / $14.25 per $1,000
120 Months 5.74% 120 Months / $85.95 per $1,000
180 Months 6.24% 180 Months / $58.34 per $1,000
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Certificate of Deposit Rates

Dividends Dividend Rate Annual Percentage Yield
3 Month (91 Days) 0.20% 0.20%
6 Month (182 Days) 0.75% 0.75%
7 Month 1.500% 1.500%
1 Year 0.995% 1.00%
2 Year 1.244% 1.25%
27 Month 2.471% 2.500%
3 Year 1.491% 1.50%
4 Year 1.738% 1.75%
5 Year 2.229% 2.25%
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IRA Rates

Type Dividend Rate Annual Percentage Yield
1 Year 0.995% 1.00%
2 Year 1.244% 1.25%
27 Month 2.471% 2.500%
3 Year 1.491% 1.50%
4 Year 1.738% 1.75%
5 Year 2.229% 2.25%
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Share Draft Dividends

Account Dividend Rate Annual Percentage Yield
Unified Checking up to 1.000% up to 1.000%
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Share Rates, Contributory IRA Rates

Dividend Rate Annual Percentage Yield
Deposits of $100 - $999.99 0.10% 0.10%
Deposits of $1,000 - $4999.99 0.15% 0.15%
Deposits in excess of $5,000 0.20% 0.20%
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Sterling Fund Rates

Annual Dividend Rate Annual Percentage Yield
Deposits of $0.01 - $9,999.99 0.40% 0.40%
Deposits of $10,000 - $24,999.99 0.50% 0.50%
Deposit of $25,000 - $99,999.99 0.55% 0.55%
Deposits in Excess of $100,000 0.65% 0.65%
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Other Credit Items

Type Annual Percentage Rate Estimated Monthly Payment Per $1000
VISA Platinum Intro Rate of 1.99%, then as low as 9.74% 2% of Balance
VISA Cash Back Intro Rate of 1.99%, then as low as 11.74% 2% of Balance
Personal Loan/Closed End 6.99% 12 month / $86.52 per $1,000
Revolving Personal Line of Credit Open End 9.49% $20 / $500 balance
Share, Maximum Financing: 3 Years 3.0% Call for current rates
Share Certificate (for the term of the Certificate) 3.0% Above Rate Call for current rates
Mortgage Loans and Home Equity Lines of Credit Call for current rates
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All rates are subject to Change and these rates are Georgia United Credit Union's best rates for qualified members. All Credit Union loan programs, rates, terms and conditions are subject to change at any time
without notice.

*APY= Annual Percentage Yield. 2.25% APY available for a 5 year term. 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. The APY is accurate as of May 31, 2018. Other rates and terms available.

+ Maximum Terms: Pop-Ups,Campers, and Personal Watercraft - 60 Months; RV's, Boats, and Motorhomes - 180 Months. Terms are determined by the vehicle type, age and loan amount.