What are the current interest rates at Georgia United Credit Union?

Current rates for Georgia United Credit Union include: 12-Month CD: 3.35%, 18-Month CD: 4.00%, 24-Month CD: 3.05%, 60-Month CD: 3.25%, Savings: 0.10%, MMA: 0.10%

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Georgia United Credit Union

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Georgia United Credit Union Rates & Review September 2026

Q: Is a member application needed to join Georgia United Credit Union?

Yes, to access services at Georgia United Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Georgia United Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 3, 2026

Georgia United Credit Union's 18 Month CD rates are at 4.00%, 27 month CD Special rates are at 4.00%, 6 Month CD rates are at 3.75%, 12 Month CD rates are at 3.35%, 48 Month CD rates are at 3.25%. Georgia United Credit Union's savings rates are at 0.10%. Georgia United Credit Union's money market rates are at 0.10%. Georgia United Credit Union's Personal Loan Rates are at 10.50%. MonitorBankRates evaluates the financial stability of Georgia United Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.25%. Rates last updated and verified on 09/03/2026.

Georgia United Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Georgia United Credit Union? Share your experience about Georgia United Credit Union by leaving a review below, or read customer reviews before you decide to use Georgia United Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.25%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Georgia United Credit Union
Sugarloaf Office

6705 Sugarloaf Pkwy
Duluth, GA 30097-4356

https://www.gucu.org

Georgia United Credit Union CD Rates

Product	Rate	APY	Term
18 Month Certificate	3.92%	4.00%	18 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
27 month CD Special	3.92%	4.00%	27 month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
6 Month Certificate	3.68%	3.75%	6 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
12 Month Certificate	3.30%	3.35%	12 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
48 Month Certificate	3.20%	3.25%	48 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
60 Month Certificate	3.20%	3.25%	60 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
24 Month Certificate	3.01%	3.05%	24 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
3 Month Certificate	3.00%	3.05%	3 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
36 Month Certificate	2.96%	3.00%	36 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

Georgia United Credit Union Savings Rates

Product	Rate	APY
High Earning Savings	3.11%	3.15%
Min Balance $25,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
High Earning Savings	1.74%	1.75%
Min Balance $10,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Christmas Club	0.10%	0.10%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Contributory IRA (Savings)	0.10%	0.10%
Min Balance $0 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
High Earning Savings	0.10%	0.10%
Min Balance $0 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Share Savings	0.10%	0.10%
Min Balance $0 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Vacation Club	0.10%	0.10%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

Georgia United Credit Union Money Market Rates

Product	Rate	APY
Sterling Fund Money Market	0.50%	0.50%
Min Balance $100,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Sterling Fund Money Market	0.15%	0.15%
Min Balance $25,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Sterling Fund Money Market	0.10%	0.10%
Min Balance $0 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

Georgia United Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	6.25%
Details As Low As Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Home Equity Lines of Credit	6.25%	-	6.25%
Details Combo Home Equity Lines of Credit are variable based on the U.S. prime rate. Rates as low as 6.25% 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. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Home Equity New Teacher Loan	-	-	10.50%
Details As Low As Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Home Equity Personal Loan	-	-	10.50%
Details As Low As Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

Georgia United Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans	-	-	4.24%	2024 and Newer
Details As Low As Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Pre-owned Auto Loans	-	-	6.14%	2023 and Older
Details As Low As Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

Georgia United Credit Union Personal Loan Rates

Product	APR	Term	View More
Home Equity Personal Loan	10.50%
Details As Low As Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Georgia United Credit Union’s Texas Ratio rose from 4.18% in Q2 2023 to 5.25% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$2.5B	5.25%	5.0	A+
December 31, 2025	$2.4B	5.65%	5.0	A+
September 30, 2025	$2.4B	5.82%	5.0	A+
June 30, 2025	$2.4B	4.73%	5.0	A+
March 31, 2025	$2.3B	5.32%	5.0	A+
December 31, 2024	$2.3B	5.19%	5.0	A+
September 30, 2024	$2.3B	5.04%	5.0	A+
June 30, 2024	$2.2B	4.85%	5.0	A+
March 31, 2024	$2.2B	5.93%	5.0	A+
December 31, 2023	$2.1B	5.11%	5.0	A+
September 30, 2023	$2.1B	3.45%	5.0	A+
June 30, 2023	$2.0B	4.18%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Georgia United Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Georgia United Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Georgia United Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Georgia United Credit Union

Website https://www.gucu.org

Address 6705 Sugarloaf Pkwy, Duluth, GA 30097-4356

Phone 770-476-6400

Fax 770-476-6433

President Tom Dickson

CEO Laura King

Full-Time Employees 339

Part-Time Employees 5

Branch Locations 15

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.25%

Return on Assets (ROA)

0.2435%

Return on Equity (ROE)

2.2859%

Non-Performing Loans Ratio (NPL)

0.85%

Total Assets

2,502,076,079

Total Amount of Shares and Deposits

2,133,000,367

Total Shares and Deposits < 1 Year

1,965,708,829

Total Shares and Deposits 1 3 Years

160,916,278

Total Shares and Deposits > 3 Years

6,375,260

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

197,029,854

Total Uninsured Shares and Deposits > $250K (F+J)

197,029,854

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,935,970,513

Total Interest Expense (Sum of items 6 8)

11,051,294

Share Certificates

13,923

Number of Accounts for Share Drafts

92,461

IRA KEOGH Accounts

4,231

Number of Accounts for Regular Shares

186,483

Non Member Deposits

Money Market Shares

3,193

Net Income (unless the amount is already included in Undivided Earnings)

6,093,620

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

224,751,911

Total Liabilities

2,265,842,889

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Georgia United Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Georgia United Credit Union

How many branches does Georgia United Credit Union operate?

Georgia United Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Georgia United Credit Union?

Yes, to access services at Georgia United Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Georgia United Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Georgia United Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Georgia United Credit Union offer online and mobile banking?

Most modern institutions like Georgia United Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gucu.org.