# Associated Credit Union (Georgia) CD and share certificate rates

As of October 22, 2026, Associated Credit Union (Georgia)'s highest tracked CD (share certificate) rate is 4.00% APY on a 24-month CD ($200 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.15% to 4.00% APY.

Canonical page: https://apyledger.com/cd-rates/associated-credit-union-georgia
Institution: Associated Credit Union (NCUA 60484)
Aliases: 
Status: live
Last verified: 2026-10-22T16:20:56.000Z (October 22, 2026)
Official source: https://www.acuonline.org/home/rates/personal/regular-ira-certificate-deposit
Coverage: Membership required. Certificates from 6 months to 5 years, including Tax Factor and Trust CDs and the Safari Club CD for members through age 15 ($100); other certificates require $200. IRA CDs are excluded. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6 Month Safari Club CD | special | 6 months | $100 | 3.35% | Not ZIP-priced | −1.05% | 2026-10-22T16:20:56.000Z | [Snapshot 310](https://apyledger.com/snapshots/310) |
| 6 Month CD | standard | 6 months | $200 | 3.35% | Not ZIP-priced | −1.05% | 2026-10-22T16:20:56.000Z | [Snapshot 310](https://apyledger.com/snapshots/310) |
| 9 Month CD | standard | 9 months | $200 | 3.45% | Not ZIP-priced | −1.03% | 2026-10-22T16:20:56.000Z | [Snapshot 310](https://apyledger.com/snapshots/310) |
| 1 Year Trust CD | standard | 12 months | $200 | 3.85% | Not ZIP-priced | −0.72% | 2026-10-22T16:20:56.000Z | [Snapshot 310](https://apyledger.com/snapshots/310) |
| 1 Year Trust CD | standard | 12 months | $200 | 3.85% | Not ZIP-priced | −0.72% | 2026-10-22T16:20:56.000Z | [Snapshot 310](https://apyledger.com/snapshots/310) |
| 1 Year Trust CD | standard | 12 months | $200 | 3.85% | Not ZIP-priced | −0.72% | 2026-10-22T16:20:56.000Z | [Snapshot 310](https://apyledger.com/snapshots/310) |
| 2 Year Trust CD | standard | 24 months | $200 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T16:20:56.000Z | [Snapshot 310](https://apyledger.com/snapshots/310) |
| 2 Year Trust CD | standard | 24 months | $200 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T16:20:56.000Z | [Snapshot 310](https://apyledger.com/snapshots/310) |
| 3 Year CD | standard | 36 months | $200 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-22T16:20:56.000Z | [Snapshot 310](https://apyledger.com/snapshots/310) |
| 4 Year CD | standard | 48 months | $200 | 3.15% | Not ZIP-priced | −1.83% | 2026-10-22T16:20:56.000Z | [Snapshot 310](https://apyledger.com/snapshots/310) |
| 5 Year Trust CD | standard | 60 months | $200 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-22T16:20:56.000Z | [Snapshot 310](https://apyledger.com/snapshots/310) |
| 5 Year Trust CD | standard | 60 months | $200 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-22T16:20:56.000Z | [Snapshot 310](https://apyledger.com/snapshots/310) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.