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Rates

Rates current as of

New and Pre-owned Auto Loans*

Auto Loans Fixed Annual Percentage Rate (APR) as low as
2017 and Older 2.45%
2018 and Newer 1.99%
Rates and terms are based on year of collateral, loan amount, and mileage. Rates subject to change without notice and are based on creditworthiness.



New and Pre-Owned Motorcycles, Rvs, Boats, Campers and Other Recreational Vehicles*

Motorcycles, RVs, Boats, Campers, and Other Recreational Vehicles Fixed Annual Percentage Rate (APR) as low as
New and Pre-Owned as low as 4.49%
Rates and terms are based on year of collateral, loan amount, and mileage. Rates subject to change without notice and are based on creditworthiness.



Other Loan Types*

Loan Type Fixed Annual Percentage Rate (APR) as low as
New Teacher Loan 5.99%
Personal Line of Credit 9.69%
Personal Loan 5.74%
All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.



Certificates of Deposit*

Certificates of Deposit Terms Dividend Rate Annual Percentage Yield (APY)
3 months 0.15% 0.15%
6 months 0.25% 0.25%
12 months 0.35% 0.35%
18 months 0.40% 0.40%
24 months 0.50% 0.50%
36 months 0.70% 0.70%
48 months 0.80% 0.80%
60 months 0.85% 0.85%

Annual Percentage Yield and Dividend Rate are accurate as of the last dividend declaration date, and may change after the account is opened. 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 may apply.




IRA Certificate Savings*

IRA Certificate Terms Dividend Rate Annual Percentage Yield (APY)
12 months 0.35% 0.35%
18 months 0.40% 0.40%
24 months 0.50% 0.50%
36 months 0.70% 0.70%
48 months 0.80% 0.80%
60 months 0.85% 0.85%

Annual Percentage Yield and Dividend Rate are accurate as of the last dividend declaration date, and may change after the account is opened. 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 may apply.




Checking Accounts (Share Drafts)*

Checking Account Types Dividend Rate Annual Percentage Yield (APY)
Simple Checking None None
Teen Checking None None
Unified Checking Up to 1.00% Up to 1.00%
The Dividend Rate and Annual Percentage Yield may change every Dividend Period as determined by the Credit Union’s Board of Directors. Dividends compounded monthly, credited monthly. Fees could reduce the earnings on the account.



Sterling Fund Money Market*

Deposit Balance Dividend Rate Annual Percentage Yield (APY)
Deposits of $0.01 - $9,999.99 0.10% 0.10%
Deposits of $10,000 - $24,999.99 0.15% 0.15%
Deposits of $25,000 - $99,999.99 0.20% 0.20%
Deposits greater than $99,999.99 0.25% 0.25%
Minimum deposit to open the account is $1,000. The Dividend Rate and Annual Percentage Yield may change every Dividend Period as determined by the Credit Union’s Board of Directors. Dividends compounded monthly, credited monthly. Fees could reduce the earnings on the account.



Share Savings*

Deposit Balance Dividend Rate Annual Percentage Yield (APY)
Deposits of $100 - $999.99 0.05% 0.05%
Deposits of $1,000 - $4,999.99 0.05% 0.05%
Deposits greater than $5,000 0.10% 0.10%
Minimum deposit is $5 to open the account. The Dividend Rate and Annual Percentage Yield may change every Dividend Period as determined by the Credit Union’s Board of Directors. Dividends compounded quarterly, credited quarterly. Fees could reduce the earnings on the account.



Club Savings*

Savings Account Type Dividend Rate Annual Percentage Yield (APY)
Christmas Club 0.05% 0.05%
Vacation Club 0.05% 0.05%
The Dividend Rate and Annual Percentage Yield may change every Dividend Period as determined by the Credit Union’s Board of Directors. Dividends compounded quarterly, credited quarterly. Fees could reduce the earnings on the account.



Contributory IRA (Savings)*

Deposit Balance Dividend Rate Annual Percentage Yield (APY)
Deposits of $100 - $999.99 0.05% 0.05%
Deposits of $1,000 - $4,999.99 0.05% 0.05%
Deposits greater than $5,000 0.10% 0.10%
The Dividend Rate and Annual Percentage Yield may change every Dividend Period as determined by the Credit Union’s Board of Directors. Dividends compounded quarterly, credited quarterly. Fees could reduce the earnings on the account.



*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.