North Georgia Credit Union Rates and Review January 2026
Compare North Georgia Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of North Georgia Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityNorth 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 CD rates or other rates available. Have you opened an account or have any experiences at North Georgia Credit Union? Share your experience about North Georgia Credit Union by leaving a review below, or read customer reviews before you decide to use North Georgia Credit Union. Overall, North Georgia Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. North Georgia Credit Union Toccoa Corporate Office 695 Big A Rd Toccoa, GA 30577 6023  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVisa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
VISA Platinum without Rewards
7.900%
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Line of Credit
7.750% - 16.750%
$0
1 - 36
Personal Loan
12.250% - 17.000%
$0 - $20,000
Personal Loan
9.200% - 17.950%
$0 - $100
12 - 24
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have North Georgia Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: North Georgia Credit Union
Website: https://www.ngcu.org
Full Time Employees: 48Part Time Employees: 2 President: Michael Herron CEO: Brian Akin Branch Locations: 5 ATM Locations: 5 Corporate Office Address:
695 Big A Rd
Toccoa, GA 30577 6023 Phone Number: 706-886-1441 Fax Number: 706-886-3757 FinancialsTotal Assets:
113,686,392
Total Amount of Shares and Deposits:
98,900,357
Total Shares and Deposits < 1 Year:
93,577,181
Total Shares and Deposits 1 3 Years:
5,323,176
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
4,136,191
Total Uninsured Shares and Deposits > $250K (F+J):
4,136,191
Total Insured Shares and Deposits > $250K (item 17 less item K):
94,764,166
Total Interest Expense (Sum of items 6 8):
952,156
Share Certificates:
661
Number of Accounts for Share Drafts:
7,831
IRA KEOGH Accounts:
492
Number of Accounts for Regular Shares:
12,252
All other shares:
1,546
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
5,102,234
Total Liabilities:
100,579,058
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About North Georgia Credit UnionIs a member application needed to join North Georgia Credit Union?Yes, to access services at North Georgia Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, North Georgia Credit Union provides a range of mortgage and home equity products. Is North Georgia Credit Union a safe place to deposit money?Yes, North Georgia Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does North Georgia Credit Union offer online and mobile banking?Most modern institutions like North Georgia Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.77%, 6-month CD rates at 2.52% and 3-month CD rates at 0.20%. Savings rates are at 0.15% and money market rates are at 3.15%. Mortgage rates on 30-year fixed loans are around 6.00%. Credit Card rates are at 11.75%. Personal Loan rates are at 16.74%. All these rates, and more, can be found in our database of rates which you can compare to 
