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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
2021 and Newer 4.24%
2020 and Older 5.24%

Rates and terms are based on year of collateral, loan amount, and mileage. Vehicles with over 100,000 miles have a 1% rate increase. Vehicle models 12 years and older have a 2% rate increase. Rates subject to change without notice and are based on creditworthiness. Membership eligibility restrictions and qualifications apply; all loans are subject to credit approval. Not all applicants will qualify.



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 5.99%

Rates and terms are based on year of collateral, loan amount, and mileage. Campers/RVs/Motorcycles 12 years and older have a 2% rate increase. Rates subject to change without notice and are based on creditworthiness. Membership eligibility restrictions and qualifications apply; all loans are subject to credit approval. Not all applicants will qualify.



Other Loan Types*

Loan Type Fixed Annual Percentage Rate (APR) as low as
New Teacher Loan 7.99%
Personal Loan 7.99%
All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Membership eligibility restrictions and qualifications apply. Membership requires a $5 opening deposit plus a $5 one-time, nonrefundable membership fee. Not all applicants will qualify.



Certificates of Deposit*

Certificates of Deposit Terms Dividend Rate Annual Percentage Yield (APY)
3 months 0.30% 0.30%
6 months 0.45% 0.45%
12 months 0.80% 0.80%
18 months 0.95% 0.95%
24 months 1.00% 1.01%
36 months 1.10% 1.11%
48 months 1.50% 1.51%
60 months 1.80% 1.82%

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. 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 0.80% 0.80%
18 months 0.95% 0.95%
24 months 1.00% 1.01%
36 months 1.10% 1.11%
48 months 1.50% 1.51%
60 months 1.80% 1.82%

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. 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 after account is opened. Dividends compounded monthly, credited monthly. The APY is accurate as of the last dividend declaration date. If your account balance is from $0.01 to $15,000.00 and qualifications are met, the Annual Percentage Yield will be 1.00%. If your account balance is $15,000.01 and above and you have met the qualifications, the Annual Percentage Yield will range from 1.00% to 0.19%. To earn 1.00% APY on up to $15,000 of the average daily account balance and to receive up to $10 per month in non-Georgia United ATM surcharge fee refunds, there is no minimum account balance requirement; however, the account must perform at least 15 Georgia United debit and/or credit card transactions that post and clear during the month, have a monthly direct deposit of $500 or more and be enrolled in E-Statements. If you do not meet the qualifications the APY will be 0.05%. 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 0.10% 0.10%
Deposits of $25,000 - $99,999.99 0.15% 0.15%
Deposits greater than $99,999.99 0.20% 0.20%
Minimum deposit to open the account is $1,000. The Dividend Rate and Annual Percentage Yield may change after account is opened. 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 0.05% 0.05%
Minimum deposit is $5 to open the account. The Dividend Rate and Annual Percentage Yield may change after account is opened. 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 after account is opened. Dividends compounded quarterly, credited quarterly.  To earn dividends on Christmas Club Savings accounts  average daily balance must be $25 or more. For Christmas Club accounts, there will be a fee for withdrawals made January 1- October 31 and or 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. To earn dividends on Vacation Club account average daily balance must be $25 or more. 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 0.05% 0.05%
The Dividend Rate and Annual Percentage Yield may change after account is opened. 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.