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: 3.15%, MMA: 0.50%

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Georgia United Credit Union

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Georgia United Credit Union Rates & Review October 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: October 14, 2026

Georgia United Credit Union's top rates as of October 14, 2026 are 4.00% APY on its 18 Month CD of Deposit, 3.15% APY on savings, 0.50% APY on money market accounts, and personal loans from 10.50% APR, according to rates verified by MonitorBankRates. Other Georgia United Credit Union CD rates include 18 Month CDs of Deposit at 4.00%, 18 Month IRA CD Savings at 4.00%, and 27 Month CD Special at 4.00%. 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 5.53%. Rates last updated and verified on 10/14/2026.

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 Q2 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

5.53%

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

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Georgia United Credit Union CD Rates

Product	Rate	APY	Term
18 Month Certificate of Deposit	-	4.00%	18 Month
Min Deposit $1,000 Min Balance $1,000 Details Featured CD Rate; Rates effective as of 10.13.26; Minimum deposit and balance to earn APY is $1,000 Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
18 Month Certificates of Deposit	3.92%	4.00%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit and minimum balance required to earn the advertised APY is $1,000; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
18 Month IRA Certificate Savings	3.92%	4.00%	18 months
Min Deposit $500 Min Balance $500 Details Penalty will be imposed for early withdrawal; fees could reduce the earnings on the account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
27 Month CD Special	3.92%	4.00%	27 months
Min Deposit $1,000 Details Certificates of Deposit Special - Limited Time Offer; APY fixed for the term of the limited time promotion; minimum deposit to earn advertised APY is $1,000, and funds cannot currently be in a GA United account; terms expire at renewal and roll over to closest similar term at prevailing dividend rate; penalty for early withdrawal; membership requires a $5 one-time nonrefundable membership fee and minimum initial deposit of $5 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
6 Month Certificate of Deposit	-	3.75%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details Featured CD Rate; Rates effective as of 10.13.26; Minimum deposit and balance to earn APY is $1,000 Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
6 Month Certificates of Deposit	3.68%	3.75%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit and minimum balance required to earn the advertised APY is $1,000; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
12 Month Certificate of Deposit	-	3.35%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Featured CD Rate; Rates effective as of 10.13.26; Minimum deposit and balance to earn APY is $1,000 Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
12 Month Certificates of Deposit	3.30%	3.35%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit and minimum balance required to earn the advertised APY is $1,000; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
12 Month IRA Certificate Savings	3.30%	3.35%	12 months
Min Deposit $500 Min Balance $500 Details Penalty will be imposed for early withdrawal; fees could reduce the earnings on the account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
48 Month Certificates of Deposit	3.20%	3.25%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit and minimum balance required to earn the advertised APY is $1,000; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
48 Month IRA Certificate Savings	3.20%	3.25%	48 months
Min Deposit $500 Min Balance $500 Details Penalty will be imposed for early withdrawal; fees could reduce the earnings on the account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
60 Month Certificates of Deposit	3.20%	3.25%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit and minimum balance required to earn the advertised APY is $1,000; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
60 Month IRA Certificate Savings	3.20%	3.25%	60 months
Min Deposit $500 Min Balance $500 Details Penalty will be imposed for early withdrawal; fees could reduce the earnings on the account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
24 Month Certificates of Deposit	3.01%	3.05%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit and minimum balance required to earn the advertised APY is $1,000; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
24 Month IRA Certificate Savings	3.01%	3.05%	24 months
Min Deposit $500 Min Balance $500 Details Penalty will be imposed for early withdrawal; fees could reduce the earnings on the account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
3 Month Certificates of Deposit	3.00%	3.05%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit and minimum balance required to earn the advertised APY is $1,000; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
36 Month Certificates of Deposit	2.96%	3.00%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit and minimum balance required to earn the advertised APY is $1,000; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
36 Month IRA Certificate Savings	2.96%	3.00%	36 months
Min Deposit $500 Min Balance $500 Details Penalty will be imposed for early withdrawal; fees could reduce the earnings on the account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

Georgia United Credit Union Savings Rates

Product	Rate	APY
High Earning Savings	3.11%	3.15%
Min Deposit $100 Min Balance $0 Details Qualifications Required: Monthly net deposit(s) of $100+; Balance: Less than $25,000, with monthly net deposit(s) of $100+; Minimum balance to earn dividend is $0.01; Dividend compounded and credited monthly; Two free withdrawals per month, then $5.00 fee per withdrawal Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
High Earning Savings	3.11%	3.15%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 or more; Minimum balance to earn dividend is $0.01; Dividend compounded and credited monthly; Two free withdrawals per month, then $5.00 fee per withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
High Earning Savings	1.74%	1.75%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Minimum balance to earn dividend is $0.01; Dividend compounded and credited monthly; Two free withdrawals per month, then $5.00 fee per withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 1.75% ▲ 1.65 pts · high 1.75% / low 0.10% Sep 18, 20261.75%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Christmas Club	0.10%	0.10%
Min Balance $0 Details Club Savings; Dividends compounded monthly, credited monthly. Average daily balance must be $0.01 or more to earn dividends. $5.00 fee for each withdrawal January 1 - October 31; entire balance available on or after November 1. Rates may change after account is opened. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Contributory IRA (Savings)	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 - $99.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
High Earning Savings	0.10%	0.10%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 - $9,999.99; Minimum balance to earn dividend is $0.01; Dividend compounded and credited monthly; Two free withdrawals per month, then $5.00 fee per withdrawal Last Updated 10/14/2026 Rate History 1 change since Oct 10, 2026 · 3.15% → 0.10% ▼ 3.05 pts · high 3.15% / low 0.10% Oct 14, 20260.10%▼ from 3.15% Oct 10, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Details Balance: $0.01 - $99.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Vacation Club	0.10%	0.10%
Min Balance $0 Details Club Savings; Dividends compounded monthly, credited monthly. Average daily balance must be $0.01 or more to earn dividends. One (1) free withdrawal per quarter, thereafter $5.00 fee per withdrawal. Rates may change after account is opened. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

Georgia United Credit Union Money Market Rates

Product	Rate	APY
Sterling Fund Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $100,000 Details Balance: greater than $99,999.99; Minimum deposit to open the account is $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Sterling Fund Money Market	0.15%	0.15%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Minimum deposit to open the account is $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Sterling Fund Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $9,999.99; Minimum deposit to open the account is $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Sterling Fund Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Minimum deposit to open the account is $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

Georgia United Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.50%
Details As Low As; Annual Percentage Rate (APR) as low as 6.50%; Combo Home Equity Lines of Credit are variable based on the U.S. prime rate; maximum APR 15.00% Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 18, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

Georgia United Credit Union Auto Loan Rates

Product	Rate	Points	APR
New and Pre-owned Auto Loans	-	-	4.24%
Details As Low As; Model Year: 2024 and Newer; Fixed APR; Rates and terms based on year of collateral, loan amount and mileage; vehicles 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 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
New and Pre-owned Auto Loans	-	-	6.14%
Details As Low As; Model Year: 2023 and Older; Fixed APR; Rates and terms based on year of collateral, loan amount and mileage; vehicles 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 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

Georgia United Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Motorcycles, RVs, Boats, Campers, and Other Recreational Vehicles - New and Pre-Owned Loan	-	7.59%
Details As Low As; Fixed APR; 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. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

Georgia United Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.50%
Details As Low As; Fixed APR; Other Loan Types Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 10.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

Georgia United Credit Union Other Rates

Product	Rate	Points	APY/APR
New Teacher Loan	-	-	10.50%
Details As Low As; Fixed APR; Other Loan Types Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 10.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Enriched Spending	0.15%	-	0.15%
Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
High Earning Savings	-	-	3.15%
Min Deposit $100 Min Balance $0 Details Earn up to 3.15% APY when net deposits of $100+ are made during the month or balance is $25,000.00 or more; if no qualifying deposits, tiered: balances $9,999.99 or below earn 0.10% APY, $10,000.00 to $24,999.99 earn 1.75% APY; minimum balance to earn dividend $0.01; two free withdrawals per month Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

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 3.45% in Q3 2023 to 5.53% in Q2 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
June 30, 2026	$2.5B	5.53%	5.0	A+
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+

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 346

Part-Time Employees 3

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

5.53%

Return on Assets (ROA)

0.4777%

Return on Equity (ROE)

4.4304%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

2,528,056,677

Total Amount of Shares and Deposits

2,146,321,157

Total Shares and Deposits < 1 Year

1,849,899,676

Total Shares and Deposits 1 3 Years

288,545,951

Total Shares and Deposits > 3 Years

7,875,529

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

201,472,978

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

201,472,978

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

1,944,848,179

Total Interest Expense (Sum of items 6 8)

22,481,841

Share Certificates

13,281

Number of Accounts for Share Drafts

92,972

IRA KEOGH Accounts

4,220

Number of Accounts for Regular Shares

189,935

Non Member Deposits

Money Market Shares

3,101

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

12,076,336

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)

205,861,692

Total Liabilities

2,286,852,051

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Georgia United Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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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.

Current Georgia United Credit Union Rates

12-Month CD3.35%
18-Month CD4.00%
24-Month CD3.05%
60-Month CD3.25%
Savings3.15%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Georgia United Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Georgia United Credit Union Texas Ratio

Georgia United Credit Union Health Trend

Georgia United Credit Union CD Rates

Georgia United Credit Union Savings Rates

Georgia United Credit Union Money Market Rates

Georgia United Credit Union Home Equity & HELOC

Georgia United Credit Union Auto Loan Rates

Georgia United Credit Union RV, Boat and Powersport Loan Rates

Georgia United Credit Union Personal Loan Rates

Georgia United Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Georgia United Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Georgia United Credit Union

How many branches does Georgia United Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Georgia United Credit Union offer online and mobile banking?

Current Georgia United Credit Union Rates

Compare to Other Credit Unions