Rates
Auto Loans | Fixed Annual Percentage Rate (APR) as low as |
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2021 and Newer | 5.54% |
2020 and Older | 6.54% |
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.
Motorcycles, RVs, Boats, Campers, and Other Recreational Vehicles | Fixed Annual Percentage Rate (APR) as low as |
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New and Pre-Owned as low as | 6.74% |
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.
Loan Type | Annual Percentage Rate (APR) as low as |
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Home Equity Line of Credit | 7.50% |
*APR = Annual Percentage Rate. Home Equity Lines of Credit are variable rate loans based on the U.S. prime rate. The maximum APR that can apply is 18%. For loan amounts of up to $250,000, closing costs that members must pay typically range between $600 and $1,000. Property and/or flood insurance may be required. Not all products are available in all states or for all amounts. All home lending products are subject to credit and property approval. Other restrictions and qualifications apply. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. All loans are subject to pricing adjustments based on the borrower’s credit worthiness and loan-to-value. 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.
Loan Type | Fixed Annual Percentage Rate (APR) as low as |
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New Teacher Loan | 9.00% |
Personal Loan | 9.00% |
Deposit Balance | Dividend Rate | Annual Percentage Yield (APY) |
---|---|---|
Deposits of $100 - $9,999.99 | 0.00% | 0.00% |
Deposits of $10,000 - $24,999.99 | 1.49% | 1.50% |
Deposits greater than $25,000 | 3.45% | 3.50% |
Rates may change after account is opened. Minimum deposit to open the account is $100.00. Dividend is compounded and credited quarterly. Must maintain a minimum balance of $5.00 in the account to avoid service fees; otherwise $5.00 fee per month. Will receive two (2) free withdrawals per month, thereafter your account may be subject to a $5.00 fee per withdrawal. Fees could reduce the earnings on the account, see Share Rates and Fees Schedule for additional fees that may apply. Membership and eligibility requirements apply. Membership requires a $5.00 one-time, nonrefundable membership fee and a minimum initial deposit of $5.00. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice.
Certificates of Deposit Terms | Dividend Rate | Annual Percentage Yield (APY) |
---|---|---|
7 month CD Special | 5.01% | 5.06% |
15 month CD Special | 5.00% | 5.13% |
30 month CD Special | 4.00% | 4.08% |
*APY = Annual Percentage Yield is fixed for the term of the limited time promotion. The minimum deposit and balance required to earn APY is $1,000.00. The funds used to open the CD cannot currently be in a deposit account with Georgia United.
7 month CD
A 7 month term will earn 5.06% APY and at maturity, the CD will renew at a 6 month term at the prevailing rate.
15 month CD
A 15 month term will earn 5.13% APY and at maturity, the CD will renew at a 12 month term at the prevailing rate.
30 month CD
A 30 month term will earn 4.08% APY and at maturity, the CD will renew at a 24 month term at the prevailing rate.
Membership and eligibility requirements apply. Membership requires a $5 one-time, nonrefundable membership fee, and a minimum initial deposit of $5. Penalty will be imposed for early withdrawal and fees could reduce the earnings on the account, see terms and conditions for additional restrictions and fees that may apply.
Certificates of Deposit Terms | Dividend Rate | Annual Percentage Yield (APY) |
---|---|---|
3 months | 0.80% | 0.80% |
6 months | 0.95% | 0.95% |
12 months | 2.50% | 2.53% |
18 months | 2.60% | 2.63% |
24 months | 2.85% | 2.89% |
36 months | 3.00% | 3.05% |
48 months | 3.25% | 3.30% |
60 months | 3.50% | 3.56% |
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 Terms | Dividend Rate | Annual Percentage Yield (APY) |
---|---|---|
12 months | 2.50% | 2.53% |
18 months | 2.60% | 2.63% |
24 months | 2.85% | 2.89% |
36 months | 3.00% | 3.05% |
48 months | 3.25% | 3.30% |
60 months | 3.50% | 3.56% |
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 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% |
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 | 0.50% | 0.50% |
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% |
Savings Account Type | Dividend Rate | Annual Percentage Yield (APY) |
---|---|---|
Christmas Club | 0.05% | 0.05% |
Vacation Club | 0.05% | 0.05% |
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% |