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Credit Union of Georgia

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Credit Union of Georgia Rates & Review November 2026

Q: What are the current interest rates at Credit Union of Georgia?

Current rates for Credit Union of Georgia include: 12-Month CD: 0.75%, 24-Month CD: 0.85%, 60-Month CD: 1.21%, Savings: 3.00%, MMA: 2.75%

Q: What CD terms does Credit Union of Georgia offer?

Credit Union of Georgia CD rates are 3.70% APY for a 6 month CD, 3.95% APY for a 12 month CD, 3.75% APY for a 2 year CD, 3.70% APY for a 3 year CD, 3.70% APY for a 4 year CD and 1.21% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Credit Union of Georgia for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Credit Union of Georgia's Standard CD - 12 mo. standard CD rates are at 3.95%, Standard CD - 24 mo. standard CD rates are at 3.75%, 6 month Standard CD - 06 mo. standard CD rates are at 3.70%, Standard CD - 36 mo. standard CD rates are at 3.70%, Standard CD - 48 mo. standard CD rates are at 3.70%. Credit Union of Georgia's savings rates are at 3.00%. Credit Union of Georgia's money market rates are at 2.75%. Credit Union of Georgia's checking rates are as high as 3.00%. Credit Union of Georgia's Personal Loan Rates are as low as 9.99%. Credit Union of Georgia's CD rates are 30% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Credit Union of Georgia with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.49%. Rates last updated and verified on 10/30/2026.

Credit Union of Georgia 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 Credit Union of Georgia? Share your experience about Credit Union of Georgia by leaving a review below, or read customer reviews before you decide to use Credit Union of Georgia.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.49%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Credit Union of Georgia
Towne Lake Branch

3048 Eagle Dr
Woodstock, GA 30189-5531

https://www.cuofga.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.

Credit Union of Georgia CD Rates

Product	Rate	APY	Term
12 Month IRA CD	-	4.00%	12 months
Min Balance $500 Details Balance: $500 and above; Retirement account (IRA) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 19, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
12 Month Jumbo CD	-	4.00%	12 months
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 10, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Standard CD - 12 mo. standard CD	-	3.95%	12 months
Min Balance $500 Details Tier Structure: $500 to $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
24 Month IRA CD	-	3.80%	24 months
Min Balance $500 Details Balance: $500 and above; Retirement account (IRA) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.80% ▲ 0.55 pts · high 3.80% / low 3.25% Oct 19, 20263.80%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
24 Month Jumbo CD	-	3.80%	24 months
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.80% ▲ 0.55 pts · high 3.80% / low 3.25% Oct 10, 20263.80%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
06 Month IRA CD	-	3.75%	6 months
Min Balance $500 Details Balance: $500 and above; Retirement account (IRA) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 19, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
06 Month Jumbo CD	-	3.75%	6 months
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 10, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
36 Month IRA CD	-	3.75%	36 months
Min Balance $500 Details Balance: $500 and above; Retirement account (IRA) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Oct 19, 20263.75%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
36 Month Jumbo CD	-	3.75%	36 months
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Oct 10, 20263.75%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
48 Month IRA CD	-	3.75%	48 months
Min Balance $500 Details Balance: $500 and above; Retirement account (IRA) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35% Oct 19, 20263.75%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
48 Month Jumbo CD	-	3.75%	48 months
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35% Oct 10, 20263.75%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
60 Month IRA CD	-	3.75%	60 months
Min Balance $500 Details Balance: $500 and above; Retirement account (IRA) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35% Oct 19, 20263.75%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
60 Month Jumbo CD	-	3.75%	60 months
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35% Oct 10, 20263.75%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Standard CD - 24 mo. standard CD	-	3.75%	24 months
Min Balance $500 Details Tier Structure: $500 to $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
6 month Standard CD - 06 mo. standard CD	-	3.70%	6 months
Min Balance $500 Details Tier Structure: $500 to $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Standard CD - 36 mo. standard CD	-	3.70%	36 months
Min Balance $500 Details Tier Structure: $500 to $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Standard CD - 48 mo. standard CD	-	3.70%	48 months
Min Balance $500 Details Tier Structure: $500 to $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Standard CD - 60 mo. standard CD	-	3.70%	60 months
Min Balance $500 Details Tier Structure: $500 to $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
15 Month Certificates of Deposit (CDs)	-	3.30%	15 months
Min Balance $500 Details Balance: $500 - <$10,000; Tier 1 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
15 Month Certificates of Deposit (CDs)	-	3.30%	15 months
Min Balance $10,000 Details Balance: $10,000 - <$50,000; Tier 2 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
15 Month Certificates of Deposit (CDs)	-	3.30%	15 months
Min Balance $50,000 Details Balance: $50,000 & Greater; Tier 3 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
60 Month Certificates of Deposit (CDs)	-	1.21%	60 months
Min Balance $500 Details Balance: $500 - <$10,000; Tier 1 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.21% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
60 Month Certificates of Deposit (CDs)	-	1.21%	60 months
Min Balance $10,000 Details Balance: $10,000 - <$50,000; Tier 2 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.21% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
60 Month Certificates of Deposit (CDs)	-	1.21%	60 months
Min Balance $50,000 Details Balance: $50,000 & Greater; Tier 3 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.21% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
48 Month Certificates of Deposit (CDs)	-	1.11%	48 months
Min Balance $500 Details Balance: $500 - <$10,000; Tier 1 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.11% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
48 Month Certificates of Deposit (CDs)	-	1.11%	48 months
Min Balance $10,000 Details Balance: $10,000 - <$50,000; Tier 2 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.11% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
48 Month Certificates of Deposit (CDs)	-	1.11%	48 months
Min Balance $50,000 Details Balance: $50,000 & Greater; Tier 3 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.11% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
36 Month Certificates of Deposit (CDs)	-	0.95%	36 months
Min Balance $500 Details Balance: $500 - <$10,000; Tier 1 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
36 Month Certificates of Deposit (CDs)	-	0.95%	36 months
Min Balance $10,000 Details Balance: $10,000 - <$50,000; Tier 2 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
36 Month Certificates of Deposit (CDs)	-	0.95%	36 months
Min Balance $50,000 Details Balance: $50,000 & Greater; Tier 3 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
24 Month Certificates of Deposit (CDs)	-	0.85%	24 months
Min Balance $500 Details Balance: $500 - <$10,000; Tier 1 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
24 Month Certificates of Deposit (CDs)	-	0.85%	24 months
Min Balance $10,000 Details Balance: $10,000 - <$50,000; Tier 2 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
24 Month Certificates of Deposit (CDs)	-	0.85%	24 months
Min Balance $50,000 Details Balance: $50,000 & Greater; Tier 3 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
12 Month Certificates of Deposit (CDs)	-	0.75%	12 months
Min Balance $500 Details Balance: $500 - <$10,000; Tier 1 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
12 Month Certificates of Deposit (CDs)	-	0.75%	12 months
Min Balance $10,000 Details Balance: $10,000 - <$50,000; Tier 2 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
12 Month Certificates of Deposit (CDs)	-	0.75%	12 months
Min Balance $50,000 Details Balance: $50,000 & Greater; Tier 3 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
6 Month Certificates of Deposit (CDs)	-	0.70%	6 months
Min Balance $500 Details Balance: $500 - <$10,000; Tier 1 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
6 Month Certificates of Deposit (CDs)	-	0.50%	6 months
Min Balance $10,000 Details Balance: $10,000 - <$50,000; Tier 2 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
6 Month Certificates of Deposit (CDs)	-	0.50%	6 months
Min Balance $50,000 Details Balance: $50,000 & Greater; Tier 3 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Credit Union of Georgia Savings Rates

Product	Rate	APY
High Interest Savings	-	3.00%
Min Deposit $10 Min Balance $0 Details Earn 3% APY on your first $2,500 and competitive dividends on remaining balances; Balance: $0.00 - $2,500.00; Account Open to Member Age 18 & Up Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 3.00% ▲ 2.75 pts · high 3.00% / low 0.25% Sep 18, 20263.00%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Club Accounts	-	0.25%
Min Balance $10 Details Balance: Average Daily Balance Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
High Interest Savings	-	0.25%
Min Balance $2,500 Details Balance: $2,500 and above; Minimum balance to earn stated APY: $10 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 0.25% ▼ 2.75 pts · high 3.00% / low 0.25% Oct 19, 20260.25%▼ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Regular Savings	-	0.25%
Min Balance $10 Details Balance: $10 and above; Tier Structure: $10 and above Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Credit Union of Georgia Money Market Rates

Product	Rate	APY
Money Market Account	-	2.75%
Min Balance $1,000,000 Details Balance: $1,000,000 & above Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Money Market Account	-	2.50%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Money Market Account	-	2.25%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 10, 20262.25%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Money Market Account	-	1.80%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Money Market Account	-	1.40%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Money Market Account	-	1.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Money Market Account	-	1.00%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Credit Union of Georgia Checking Rates

Product	Rate	APY
Free High Interest Checking+	-	3.00%
Min Balance $0 Details Qualifications Required; Balance: $0.00 - $25,000.00; Earn 3% APY on balances up to $25,000; Unlimited non-Credit Union of GA ATM refunds; Rate may change after account is opened Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
High Interest Checking	-	3.00%
Min Balance $2,500 Details Balance: $2,500 to $24,999; Minimum balance to earn stated APY: $25 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
High Interest Checking	-	0.13%
Min Balance $25,000 Details Balance: $25,000 and above; Minimum balance to earn stated APY: $25 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.13% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
CU Simply Checking	-	0.00%
Min Balance $100 Details Monthly Fee: $10; Designed to rebuild checking history Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Free Checking	-	0.00%
Min Balance $0 Details No monthly fees; Monthly Fee: $0; No minimum deposits or balance required Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Free Youth Checking	-	0.00%
Min Balance $0 Details Ages 13-17; Monthly Fee: $0; No minimum deposits or balance required; Mobile Check Deposit and Zelle available with parental consent Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Credit Union of Georgia Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed-Rate Home Equity Line of Credit (HELOC)	-	-	6.24%	72 Months
Details Term: 72 Months (1 Year Draw/5 Year Payoff); As Low As; Rates Effective as of: 10-15-2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Variable Rate Home Equity Line of Credit (HELOC)	-	-	6.75%
Details As Low As; Rates Effective as of: 10-29-2026; Adjustable rate based on WSJ Prime Rate; HELOCs require minimum $100 monthly payment for up to 180 months; Members must have a minimum $10 Share Account Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Fixed-Rate Home Equity Line of Credit (HELOC)	-	-	7.24%	132 Months
Details Term: 132 Months (1 Year Draw/10 Year Payoff); As Low As; Rates Effective as of: 10-15-2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Fixed-Rate Home Equity Line of Credit (HELOC)	-	-	8.24%	192 Months
Details Term: 192 Months (1 Year Draw/15 Year Payoff); As Low As; Rates Effective as of: 10-15-2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Fixed-Rate Home Equity Line of Credit (HELOC)	-	-	10.24%	252 Months
Details Term: 252 Months (1 Year Draw/20 Year Payoff); As Low As; Rates Effective as of: 10-15-2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Credit Union of Georgia Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	3.99%	0-36 months
Details As Low As; Actual loan rate depends on vehicle year, loan close date and credit rating; Effective 10-15-2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.49% → 3.99% ▲ 0.50 pts · high 3.99% / low 3.49% Oct 19, 20263.99%▲ from 3.49% Sep 14, 20263.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
New Vehicle Loan	-	-	4.24%	37-48 months
Details As Low As; Actual loan rate depends on vehicle year, loan close date and credit rating; Effective 10-15-2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.79% → 4.24% ▲ 0.45 pts · high 4.24% / low 3.79% Oct 19, 20264.24%▲ from 3.79% Sep 14, 20263.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Used Vehicle Loan	-	-	4.24%	0-36 months
Details As Low As; Actual loan rate depends on vehicle year, loan close date and credit rating; Rates effective 10-15-2026 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99% Oct 19, 20264.24%▲ from 3.99% Sep 18, 20263.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
New Vehicle Loan	-	-	4.49%	49-60 months
Details As Low As; Actual loan rate depends on vehicle year, loan close date and credit rating; Effective 10-15-2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99% Oct 19, 20264.49%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Used Vehicle Loan	-	-	4.49%	37-48 months
Details As Low As; Actual loan rate depends on vehicle year, loan close date and credit rating; Rates effective 10-15-2026 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 4.29% → 4.49% ▲ 0.20 pts · high 4.49% / low 4.29% Oct 19, 20264.49%▲ from 4.29% Sep 18, 20264.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
New Vehicle Loan	-	-	4.74%	61-72 months
Details As Low As; Actual loan rate depends on vehicle year, loan close date and credit rating; Effective 10-15-2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49% Oct 19, 20264.74%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Used Vehicle Loan	-	-	4.74%	49-60 months
Details As Low As; Actual loan rate depends on vehicle year, loan close date and credit rating; Rates effective 10-15-2026 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 4.39% → 4.74% ▲ 0.35 pts · high 4.74% / low 4.39% Oct 19, 20264.74%▲ from 4.39% Sep 18, 20264.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Used Vehicle Loan	-	-	4.99%	61-72 months
Details As Low As; Actual loan rate depends on vehicle year, loan close date and credit rating; Rates effective 10-15-2026 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 4.79% → 4.99% ▲ 0.20 pts · high 4.99% / low 4.79% Oct 19, 20264.99%▲ from 4.79% Sep 18, 20264.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
New Vehicle Loan	-	-	5.24%	73-84 months
Details As Low As; Actual loan rate depends on vehicle year, loan close date and credit rating; Effective 10-15-2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 19, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Used Vehicle Loan	-	-	5.74%	73-84 months
Details As Low As; Actual loan rate depends on vehicle year, loan close date and credit rating; Rates effective 10-15-2026 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.44% → 5.74% ▲ 0.30 pts · high 5.74% / low 5.44% Oct 19, 20265.74%▲ from 5.44% Sep 18, 20265.44%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Credit Union of Georgia RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Jet Skis, Motorcycles, ATVs, Golf Carts, etc. Loan	-	7.74%	0-36 months
Details As Low As; APR; Estimated monthly payment per $1,000 is based on the as low as rate quoted; Rates Effective as of: 10-15-2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Jet Skis, Motorcycles, ATVs, Golf Carts, etc. Loan	-	7.99%	37-48 months
Details As Low As; APR; Estimated monthly payment per $1,000 is based on the as low as rate quoted; Rates Effective as of: 10-15-2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Jet Skis, Motorcycles, ATVs, Golf Carts, etc. Loan	-	8.64%	49-60 months
Details As Low As; APR; Estimated monthly payment per $1,000 is based on the as low as rate quoted; Rates Effective as of: 10-15-2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.64% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Jet Skis, Motorcycles, ATVs, Golf Carts, etc. Loan	-	8.99%	61-72 months
Details As Low As; APR; Estimated monthly payment per $1,000 is based on the as low as rate quoted; Rates Effective as of: 10-15-2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Credit Union of Georgia Personal Loan Rates

Product	APR	Term
Personal Loans - 0 - 24 months	9.99%	0-24 months
Details As Low As; Rates Effective as of: 10-15-2026; Members are required to have a minimum of a $10 Share Account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Personal Loans - 25 - 36 months	10.24%	25-36 months
Details As Low As; Rates Effective as of: 10-15-2026; Members are required to have a minimum of a $10 Share Account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Personal Loans - 37 - 60 months	10.49%	37-60 months
Details As Low As; Rates Effective as of: 10-15-2026; Members are required to have a minimum of a $10 Share Account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Credit Union of Georgia Other Rates

Product	Rate	Points	APY/APR	Term
True Line of Credit	-	-	12.49%	0-48 months
Details As Low As; Adjustable-rate loan based on WSJ Prime Rate; Members must have a minimum $10 Share Account Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 12.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell Educational)	-	-	1.00%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell Educational)	-	-	1.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell Educational)	-	-	1.40%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell Educational)	-	-	1.80%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell Educational)	-	-	2.25%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 14, 20262.25%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell Educational)	-	-	2.50%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell Educational)	-	-	2.75%
Min Balance $1,000,000 Details Balance: $1,000,000 & above Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell)	-	-	1.00%
Min Balance $2,500 Details Balance: $2,500 - $25,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell)	-	-	1.25%
Min Balance $25,000 Details Balance: $25,000 - $50,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell)	-	-	1.40%
Min Balance $50,000 Details Balance: $50,000 - $100,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell)	-	-	1.80%
Min Balance $100,000 Details Balance: $100,000 - $250,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell)	-	-	2.25%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell)	-	-	2.50%
Min Balance $999,999 Details Balance: $500,0000 - $999,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
IRA Shares (Roth, Traditional & Coverdell)	-	-	2.75%
Min Balance $1,000,000 Details Balance: $1,000,000 and above Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

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.
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Financial Health History

Credit Union of Georgia’s Texas Ratio rose from 1.64% in Q3 2023 to 6.49% 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 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)

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	$766M	6.49%	5.0	A
March 31, 2026	$761M	4.40%	5.0	A+
December 31, 2025	$733M	5.30%	5.0	A+
September 30, 2025	$712M	5.57%	5.0	A+
June 30, 2025	$703M	4.43%	5.0	A+
March 31, 2025	$694M	2.53%	5.0	A+
December 31, 2024	$673M	4.53%	5.0	A+
September 30, 2024	$672M	4.53%	5.0	A+
June 30, 2024	$657M	4.78%	5.0	A+
March 31, 2024	$652M	2.02%	5.0	A+
December 31, 2023	$633M	3.12%	5.0	A+
September 30, 2023	$626M	1.64%	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 Credit Union of Georgia 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 Credit Union of Georgia 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 Credit Union of Georgia's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Union of Georgia

Website https://www.cuofga.org

Address 3048 Eagle Dr, Woodstock, GA 30189-5531

Phone 678-322-2000

Fax 678-486-1191

President Michael Anderson

CEO Brian Albrecht

Full-Time Employees 117

Part-Time Employees 0

Branch Locations 9

ATM Locations 8

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

6.49%

Return on Assets (ROA)

0.5999%

Return on Equity (ROE)

5.9123%

Non-Performing Loans Ratio (NPL)

1.00%

Total Assets

766,139,739

Total Amount of Shares and Deposits

670,261,592

Total Shares and Deposits < 1 Year

660,138,539

Total Shares and Deposits 1 3 Years

7,727,138

Total Shares and Deposits > 3 Years

2,395,915

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

45,681,427

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

45,681,427

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

624,580,165

Total Interest Expense (Sum of items 6 8)

4,974,484

Share Certificates

4,455

Number of Accounts for Share Drafts

24,564

IRA KEOGH Accounts

1,048

Number of Accounts for Regular Shares

41,015

All other shares

212

Money Market Shares

2,699

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)

20,931,598

Total Liabilities

690,729,373

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Credit Union of Georgia earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Credit Union of Georgia

Does Credit Union of Georgia offer CDs?

Yes. Credit Union of Georgia current CD rates include its Standard CD - 12 mo. standard CD at 3.95% APY, its Standard CD - 24 mo. standard CD at 3.75% APY and its 6 month Standard CD - 06 mo. standard CD at 3.70% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Credit Union of Georgia NCUA insured?

Yes. Credit Union of Georgia is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Credit Union of Georgia?

The highest Credit Union of Georgia CD rate is its 12 Month IRA CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Credit Union of Georgia offer?

Credit Union of Georgia CD rates are 3.70% APY for a 6 month CD, 3.95% APY for a 12 month CD, 3.75% APY for a 2 year CD, 3.70% APY for a 3 year CD, 3.70% APY for a 4 year CD and 1.21% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Credit Union of Georgia for its full lineup.

What is the highest savings rate at Credit Union of Georgia?

The highest Credit Union of Georgia savings rate is its High Interest Savings at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Credit Union of Georgia?

The highest Credit Union of Georgia money market rate is its Money Market Account at 2.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Credit Union of Georgia?

The highest Credit Union of Georgia checking rate is its Free High Interest Checking+ at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Credit Union of Georgia?

The lowest Credit Union of Georgia auto loan rate is its New Vehicle Loan at 3.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Credit Union of Georgia?

The lowest Credit Union of Georgia personal loan rate is its Personal Loans - 0 - 24 months at 9.99% APR, verified by MonitorBankRates as of October 30, 2026. Credit Union of Georgia personal loan rates are 9.99% APR for a 24 month personal loan, 10.24% APR for a 36 month personal loan and 10.49% APR for a 60 month personal loan.

How many branches does Credit Union of Georgia operate?

Credit Union of Georgia 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 Credit Union of Georgia?

Yes, to access services at Credit Union of Georgia, 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, Credit Union of Georgia 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, Credit Union of Georgia provides members with tools to manage their accounts and build a solid financial history.

Does Credit Union of Georgia offer online and mobile banking?

Most modern institutions like Credit Union of Georgia 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.cuofga.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Credit Union of Georgia rates compare?

Credit Union of Georgia's CD rates are 30% higher than the MonitorBankRates national average, and it has an A health rating. Credit Union of Georgia's top rates are its 12 Month IRA CD at 4.00% APY, its High Interest Savings at 3.00% APY, its Money Market Account at 2.75% APY, its Free High Interest Checking+ at 3.00% APY and its Personal Loans - 0 - 24 months at 9.99% APR, verified by MonitorBankRates on October 30, 2026.

Current Credit Union of Georgia Rates

12-Month CD0.75%
24-Month CD0.85%
60-Month CD1.21%
Savings3.00%
MMA2.75%

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

Compare to Other Credit Unions

Credit Union of Georgia Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Credit Union of Georgia Texas Ratio

Credit Union of Georgia Health Trend

Credit Union of Georgia CD Rates

Credit Union of Georgia Savings Rates

Credit Union of Georgia Money Market Rates

Credit Union of Georgia Checking Rates

Credit Union of Georgia Home Equity & HELOC

Credit Union of Georgia Auto Loan Rates

Credit Union of Georgia RV, Boat and Powersport Loan Rates

Credit Union of Georgia Personal Loan Rates

Credit Union of Georgia Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Credit Union of Georgia earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Credit Union of Georgia

Does Credit Union of Georgia offer CDs?

Are CDs from Credit Union of Georgia NCUA insured?

What is the highest CD rate at Credit Union of Georgia?

What CD terms does Credit Union of Georgia offer?

What is the highest savings rate at Credit Union of Georgia?

What is the highest money market rate at Credit Union of Georgia?

What is the highest checking rate at Credit Union of Georgia?

What is the lowest auto loan rate at Credit Union of Georgia?

What is the lowest personal loan rate at Credit Union of Georgia?

How many branches does Credit Union of Georgia operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Credit Union of Georgia offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Credit Union of Georgia rates compare?

Current Credit Union of Georgia Rates

Compare to Other Credit Unions