# Georgia United Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/georgia-united-credit-union
Institution: Georgia United Credit Union (NCUA 68607)
Aliases: 
Status: live
Last verified: 2026-10-23T11:33:26.000Z (October 23, 2026)
Official source: https://gucu.org/rates
Coverage: Membership required. Regular and special personal certificates require $1,000. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 3 months | $1,000 | 3.05% | Not ZIP-priced | −1.21% | 2026-10-23T11:33:26.000Z | [Snapshot 1011](https://apyledger.com/snapshots/1011) |
| Certificate of Deposit | standard | 6 months | $1,000 | 3.75% | Not ZIP-priced | −0.59% | 2026-10-23T11:33:26.000Z | [Snapshot 1011](https://apyledger.com/snapshots/1011) |
| Certificate of Deposit | standard | 12 months | $1,000 | 3.35% | Not ZIP-priced | −1.11% | 2026-10-23T11:33:26.000Z | [Snapshot 1011](https://apyledger.com/snapshots/1011) |
| Certificate of Deposit | standard | 18 months | $1,000 | 4.00% | Not ZIP-priced | −0.58% | 2026-10-23T11:33:26.000Z | [Snapshot 1011](https://apyledger.com/snapshots/1011) |
| Certificate of Deposit | standard | 24 months | $1,000 | 3.05% | Not ZIP-priced | −1.65% | 2026-10-23T11:33:26.000Z | [Snapshot 1011](https://apyledger.com/snapshots/1011) |
| Certificates of Deposit Special - Limited Time Offer | promotional | 27 months | $1,000 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-23T11:33:26.000Z | [Snapshot 1011](https://apyledger.com/snapshots/1011) |
| Certificate of Deposit | standard | 36 months | $1,000 | 3.00% | Not ZIP-priced | −1.78% | 2026-10-23T11:33:26.000Z | [Snapshot 1011](https://apyledger.com/snapshots/1011) |
| Certificate of Deposit | standard | 48 months | $1,000 | 3.25% | Not ZIP-priced | −1.56% | 2026-10-23T11:33:26.000Z | [Snapshot 1011](https://apyledger.com/snapshots/1011) |
| Certificate of Deposit | standard | 60 months | $1,000 | 3.25% | Not ZIP-priced | −1.59% | 2026-10-23T11:33:26.000Z | [Snapshot 1011](https://apyledger.com/snapshots/1011) |

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.