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iAdvertiser Disclosure
Advertiser Disclosure
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 My Georgia Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
My Georgia Credit Union's 12 Month CD rates are at 3.50%, 12 Month IRA CD rates are at 3.50%. My Georgia Credit Union's savings rates are at 0.85%. My Georgia Credit Union's money market rates are at 3.04%. My Georgia Credit Union's checking rates are as high as 0.01%. My Georgia Credit Union's Auto Loan Rates are as low as 3.99%. My Georgia Credit Union's Credit Card Rates are at 7.90%. My Georgia Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of My Georgia Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.90%. Rates last updated and verified on 10/30/2026. My Georgia 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 My Georgia Credit Union? Share your experience about My Georgia Credit Union by leaving a review below, or read customer reviews before you decide to use My Georgia Credit Union. My Georgia Credit Union
MyGeorgia Credit Union 2601 Limestone Pkwy
https://www.mygacu.com Gainesville, GA 30501  Customer Reviews
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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. My Georgia Credit Union CD Rates
My Georgia Credit Union Savings Rates
My Georgia Credit Union Money Market Rates
My Georgia Credit Union Checking Rates
My Georgia Credit Union Auto Loan Rates
My Georgia Credit Union Credit Card Rates
Financial Health HistoryMy Georgia Credit Union’s Texas Ratio stayed near 3.29% in Q3 2023 to 2.90% in Q2 2026, so its financial health has stayed very strong 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for My Georgia 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 My Georgia 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 My Georgia Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
My Georgia Credit Union
Website
https://www.mygacu.com
Address
2601 Limestone Pkwy,
Gainesville, GA 30501
Phone
770-534-4255
Fax
770-534-8005
President
Lamar Gailey
CEO
Joe Foster
Full-Time Employees
66
Part-Time Employees
1
Branch Locations
9
ATM Locations
9
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.90%
Return on Assets (ROA)
0.4261%
Return on Equity (ROE)
3.8672%
Non-Performing Loans Ratio (NPL)
0.54%
Total Assets
258,457,228
Total Amount of Shares and Deposits
225,234,999
Total Shares and Deposits < 1 Year
225,234,999
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,429,521
Total Uninsured Shares and Deposits > $250K (F+J)
4,429,521
Total Insured Shares and Deposits > $250K (item 17 less item K)
220,805,478
Total Interest Expense (Sum of items 6 8)
2,021,281
Share Certificates
5
Number of Accounts for Share Drafts
12,270
IRA KEOGH Accounts
100
Number of Accounts for Regular Shares
22,040
Money Market Shares
1,930
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)
7,833,276
Total Liabilities
229,979,768
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About My Georgia Credit UnionDoes My Georgia Credit Union offer CDs?Yes. My Georgia Credit Union current CD rates include its 12 Month CD at 3.50% APY and its 12 Month IRA CD at 3.50% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from My Georgia Credit Union NCUA insured?Yes. My Georgia Credit Union 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 My Georgia Credit Union?The highest My Georgia Credit Union CD rate is its 12 Month CD at 3.50% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does My Georgia Credit Union offer?My Georgia Credit Union CD rates are 3.50% APY for a 12 month 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 My Georgia Credit Union for its full lineup. What is the highest savings rate at My Georgia Credit Union?The highest My Georgia Credit Union savings rate is its Savings Account (Including Elite Club) at 0.853% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at My Georgia Credit Union?The highest My Georgia Credit Union money market rate is its Money Market at 3.042% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at My Georgia Credit Union?The highest My Georgia Credit Union checking rate is its Interest Checking Account at 0.01% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at My Georgia Credit Union?The lowest My Georgia Credit Union auto loan rate is its My Auto Loans at 3.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at My Georgia Credit Union?The lowest My Georgia Credit Union credit card APR is its MyGeorgia Credit Card at 7.90% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does My Georgia Credit Union operate?My Georgia 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 My Georgia Credit Union?Yes, to access services at My Georgia 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, My Georgia 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, My Georgia Credit Union provides members with tools to manage their accounts and build a solid financial history. Does My Georgia Credit Union offer online and mobile banking?Most modern institutions like My Georgia 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.mygacu.com. 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 My Georgia Credit Union rates compare?My Georgia Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. My Georgia Credit Union's top rates are its 12 Month CD at 3.50% APY, its Savings Account (Including Elite Club) at 0.853% APY, its Money Market at 3.042% APY, its Interest Checking Account at 0.01% APY, its My Auto Loans at 3.99% APR and its MyGeorgia Credit Card at 7.90% APR, verified by MonitorBankRates on October 30, 2026. Current My Georgia Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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