Georgia United Credit Union CD & Share Certificate Rates — October 2026
As of October 23, 2026, Georgia United Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on an 18-month CD ($1,000 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.00% to 4.00% APY.
Tracking began .
Georgia United Credit Union CD & share certificate rates
Membership required. Regular and special personal certificates require $1,000. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate of Deposit | $1,000 | 3.05%Free rate alert | −1.21% | Top 39% of tracked 3-month CDs · Verified October 23, 2026 |
| 6 months | Certificate of Deposit | $1,000 | 3.75%Free rate alert | −0.59% | Top 33% of tracked 6-month CDs · Verified October 23, 2026 |
| 12 months | Certificate of Deposit | $1,000 | 3.35%Free rate alert | −1.11% | Top 61% of tracked 12-month CDs · Verified October 23, 2026 |
| 18 months | Certificate of Deposit | $1,000 | 4.00%Free rate alert | −0.58% | Top 30% of tracked 18-month CDs · Verified October 23, 2026 |
| 24 months | Certificate of Deposit | $1,000 | 3.05%Free rate alert | −1.65% | Top 59% of tracked 24-month CDs · Verified October 23, 2026 |
| 27 months | Certificates of Deposit Special - Limited Time Offer Promotional | $1,000 | 4.00%Free rate alert | −0.72% | Verified October 23, 2026 |
| 36 months | Certificate of Deposit | $1,000 | 3.00%Free rate alert | −1.78% | Top 59% of tracked 36-month CDs · Verified October 23, 2026 |
| 48 months | Certificate of Deposit | $1,000 | 3.25%Free rate alert | −1.56% | Top 43% of tracked 48-month CDs · Verified October 23, 2026 |
| 60 months | Certificate of Deposit | $1,000 | 3.25%Free rate alert | −1.59% | Top 49% of tracked 60-month CDs · Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.00% APY (27 months). The standard rate for a similar term is 3.05% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $95 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Georgia United Credit Union's best CD rates by term?
Georgia United Credit Union's best rate is 4.00% APY on 18 months, verified October 23, 2026.
- 3 mo3.05%
- 6 mo3.75%
- 12 mo3.35%
- 18 mo4.00%
- 24 mo3.05%
- 27 mo4.00%
- 36 mo3.00%
- 48 mo3.25%
- 60 mo3.25%
How much interest could a Georgia United Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$606.53 interest · $10,606.53 at maturity on $10,000.00.
4.00% APY · 18 months · Certificate of Deposit · Standard · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $37.593.05% APY · Certificate of Deposit · Standard | $75.193.05% APY · Certificate of Deposit · Standard | $187.963.05% APY · Certificate of Deposit · Standard | $375.933.05% APY · Certificate of Deposit · Standard |
| 6 months | $93.143.75% APY · Certificate of Deposit · Standard | $186.293.75% APY · Certificate of Deposit · Standard | $465.723.75% APY · Certificate of Deposit · Standard | $931.443.75% APY · Certificate of Deposit · Standard |
| 12 months | $167.503.35% APY · Certificate of Deposit · Standard | $335.003.35% APY · Certificate of Deposit · Standard | $837.503.35% APY · Certificate of Deposit · Standard | $1,675.003.35% APY · Certificate of Deposit · Standard |
| 18 months | $303.274.00% APY · Certificate of Deposit · Standard | $606.534.00% APY · Certificate of Deposit · Standard | $1,516.334.00% APY · Certificate of Deposit · Standard | $3,032.654.00% APY · Certificate of Deposit · Standard |
| 24 months | $309.653.05% APY · Certificate of Deposit · Standard | $619.303.05% APY · Certificate of Deposit · Standard | $1,548.263.05% APY · Certificate of Deposit · Standard | $3,096.513.05% APY · Certificate of Deposit · Standard |
| 27 months | $461.144.00% APY · Certificates of Deposit Special - Limited Time Offer · Promotional | $922.284.00% APY · Certificates of Deposit Special - Limited Time Offer · Promotional | $2,305.704.00% APY · Certificates of Deposit Special - Limited Time Offer · Promotional | $4,611.414.00% APY · Certificates of Deposit Special - Limited Time Offer · Promotional |
| 36 months | $463.643.00% APY · Certificate of Deposit · Standard | $927.273.00% APY · Certificate of Deposit · Standard | $2,318.173.00% APY · Certificate of Deposit · Standard | $4,636.353.00% APY · Certificate of Deposit · Standard |
| 48 months | $682.383.25% APY · Certificate of Deposit · Standard | $1,364.763.25% APY · Certificate of Deposit · Standard | $3,411.903.25% APY · Certificate of Deposit · Standard | $6,823.803.25% APY · Certificate of Deposit · Standard |
| 60 months | $867.063.25% APY · Certificate of Deposit · Standard | $1,734.113.25% APY · Certificate of Deposit · Standard | $4,335.283.25% APY · Certificate of Deposit · Standard | $8,670.573.25% APY · Certificate of Deposit · Standard |
How Georgia United Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 92 of 362 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Georgia United Credit Union (this institution)Certificate of Deposit · Standard | 18 months | $1,000 | Membership required · branches in GA | 4.00% | October 23, 2026 |
| Bread SavingsBread Savings CD · Standard | 18 months | $1,500 | Available nationwide | 4.85% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.58% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Georgia United Credit Union on October 23, 2026.
About Georgia United Credit Union
- Legal name
- Georgia United Credit Union
- Regulator ID
- NCUA 68607
- Headquarters
- Duluth, GA
- Available in
- GA
- Total assets
- $2.5 billion
- Also known as
- Website
- www.gucu.org
Source: rates read from https://gucu.org/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Georgia United Credit Union?
Among the rates we track, 4.00% APY on an 18-month CD, as of October 23, 2026.
What is the minimum deposit for a Georgia United Credit Union CD?
The lowest minimum we found is $1,000.
How does Georgia United Credit Union's best CD rate compare with Treasury yields?
4.00% APY is −0.58% versus the 18-month Treasury yield of 4.58% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Georgia United Credit Union CDs insured?
Georgia United Credit Union is a federally insured credit union (NCUA 68607). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Georgia United Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Georgia United Credit Union's rate page every day. The rates above were last verified on October 23, 2026.
More credit union certificate rates
Rates are copied from Georgia United Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Georgia United Credit Union before opening an account. This page is not financial advice.