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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
2022 and Newer 5.79%
2021 and Older 6.24%

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. Business auto loans 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 7.49%

Rates and terms are based on year of collateral, loan amount and mileage. Camper/RV/motorcycle 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.



Home Loans*

Loan Type Annual Percentage Rate (APR) as low as
Home Equity Line of Credit 8.00%

*APR = Annual Percentage Rate. Combo Home Equity Lines of Credit are variable based on the U.S. prime rate. Rates as low as 8.00% APR and are based on individual creditworthiness, loan-to-value ratio and ability to repay. The maximum APR that can apply is 15.00%. Members have the ability to lock the balance or portions of the balance into a low, fixed rate for term options up to 10 years. First rate lock is free; each additional is $50. Minimum fixed rate lock amount per loan is $5,000. The minimum amount due for each segment must be satisfied each month. Payments over and above the amount(s) due are automatically paid to the highest rate segment unless otherwise specified. For loan amounts of up to $500,000, closing costs that members must pay typically range between $500 and $1,375. Property insurance is required. Flood insurance may be required. Fees will vary on the lines. Fees will be added to the line at closing or can be paid up front. 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.



Other Loan Types*

Loan Type Fixed Annual Percentage Rate (APR) as low as
New Teacher Loan 10.00%
Personal Loan 10.00%
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.



High Earning Savings*

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 1.98% 2.00%
Deposits greater than $25,000 3.93% 4.00%

Rates may change after account is opened. Minimum deposit to open the account is $100.00. Dividend is compounded and credited monthly. 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*

Certificates of Deposit Terms Dividend Rate Annual Percentage Yield (APY)
3 months 4.25% 4.32%
6 months 5.00% 5.06%
12 months 5.25% 5.39%
18 months 4.75% 4.86%
24 months 4.50% 4.60%
36 months 4.25% 4.34%
48 months 4.00% 4.08%
60 months 3.75% 3.82%

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. Penalty will be imposed for early withdrawal and fees could reduce the earnings on the account.




IRA Certificate Savings*

IRA Certificate Terms Dividend Rate Annual Percentage Yield (APY)
12 months 5.25% 5.39%
18 months 4.75% 4.86%
24 months 4.50% 4.60%
36 months 4.25% 4.34%
48 months 4.00% 4.08%
60 months 3.75% 3.82%

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 $500. Penalty will be imposed for early withdrawal and fees could reduce the earnings on the account.




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. For Unified Checking, 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 0.05%. 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 0.50% 0.50%
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. Must maintain a minimum balance of $1,000.00 in the account to avoid service fees; otherwise $5.00 fee per month. Will receive three (3) free withdrawals per month, thereafter your account may be subject to a $2.00 fee per withdrawal. Fees could reduce the earnings on the account.



Share Savings*

Deposit Balance Dividend Rate Annual Percentage Yield (APY)
Deposits of $0.01 - $99.99 0.10% 0.10%
Deposits of $100 - $999.99 0.10% 0.10%
Deposits of $1,000 - $4,999.99 0.10% 0.10%
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 after account is opened. Dividends compounded quarterly, credited quarterly. Must maintain a minimum balance of $5.00 in the account to avoid service fees; otherwise $5.00 fee per quarter. 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.



Club Savings*

Savings Account Type Dividend Rate Annual Percentage Yield (APY)
Christmas Club 0.10% 0.10%
Vacation Club 0.10% 0.10%
The Dividend Rate and Annual Percentage Yield may change after account is opened. Dividends compounded monthly, credited monthly.  To earn dividends on Christmas Club Savings accounts average daily balance must be $0.01 or more. For Christmas Club accounts, there will be a $5.00 fee for each withdrawal made January 1- October 31 and the entire balance will be available to you on or after November 1. To earn dividends on Vacation Club account average daily balance must be $0.01 or more. For Vacation Club accounts, one (1) free withdrawal is allowed per quarter, thereafter a $5.00 fee for each withdrawal. Fees could reduce the earnings on the account. 



Contributory IRA (Savings)*

Deposit Balance Dividend Rate Annual Percentage Yield (APY)
Deposits of $0.01 - $99.99 0.10% 0.10%
Deposits of $100 - $999.99 0.10% 0.10%
Deposits of $1,000 - $4,999.99 0.10% 0.10%
Deposits greater than $5,000 0.10% 0.10%
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.