• Certificates


No matter what your future goals are, Georgia United Credit Union has options to best suit your long term savings and retirement needs. 

Sometimes we have to make our money “work” a little bit harder for us! When those times arise, Georgia United Credit Union has several longer term Certificate of Deposit (CDs) options for you to choose from:

  • 3 month terms
  • 6 month terms
  • 12 month terms
  • 24 month terms
  • 48 month terms
  • 60 month terms
  • All CD terms are fixed for the duration of the term you select
  • CD’s pay higher dividends than regular Share Savings accounts

With Share certificates, you can also secure a loan at a considerably lower rate. You can also choose from interest disbursement options like compounding or transferring your dividends to your savings account for easier access when you need it. Minimum opening deposit of $1,000 is required for all Certificates.

Additional information on our CD's are as follows:

  • Funds cannot be withdrawn from the account without penalty until the scheduled maturity date (unless special circumstances arise, see next bullet point for clarification).
  • No withdrawals are allowed unless it is in the case of death of the primary or joint on the certificate. The certificate may then be closed before maturity without a penalty.
  • Maturity/renewal notices are provided.
  • Automatic renewal into the same term investment at the rate in effect at maturity. A 7-day grace period after maturity gives members the option of changing their investment plan or adding additional monies to the certificate.
  • Certificates can be used as collateral for loans.
  • Dividends may be reinvested, deposited to another account, or paid out in a check.
  • Rates are published weekly (effective dates are listed on the rate sheet).
  • Deposits can be made to certificates only at the time of maturity.
  • The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRA’s are insured separately to $250,000.

Individual Retirement Accounts (IRAs)

For your long-term retirement savings needs, consider an IRA with Georgia United. We offer Traditional, Roth and Education IRAs, which may provide you with additional tax benefits. For details, contact one of our Financial Service Representatives or your Tax Advisor.