Credit union · NCUA insured
Credit Union of Georgia CD Rates
Top CarrotCredit Union of Georgia’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Credit Union of Georgia’s CD rates compare
Compared with banks and credit unions near Atlanta, GA, where Credit Union of Georgia has the most branches. $10,000, best rate first.
This credit union’s best
Credit Union of Georgia
3.70%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $370
Standard CD
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
CDC Federal Credit Union
4.59%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $459
Credit Union of Georgia CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.70%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Credit Union of Georgia ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo CD
Up to 3.75%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.65% | — |
| 12 months | 3.75% | — |
| 24 months | 3.25% | — |
| 36 months | 3.25% | — |
| 48 months | 3.35% | — |
| 60 months | 3.35% | — |
Sources (1)
- cuofga.org/wp-content/uploads/…er-Friendly_7_1_2026.pdf · captured Oct 15, 2026
Standard CD
Up to 3.70%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.60% | $178 |
| 12 months | 3.70% | $370 |
| 24 months | 3.20% | $650 |
| 36 months | 3.20% | $991 |
| 48 months | 3.30% | $1,387 |
| 60 months | 3.30% | $1,763 |
Sources (1)
- cuofga.org/wp-content/uploads/…er-Friendly_7_1_2026.pdf · captured Oct 15, 2026
Certificates of Deposit (CDs)
Up to 3.30%APY · 7 terms
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsTier 1 $500 - <$10,000 | 0.70% | — | — | 0.70% | $35 |
| 6 monthsTier 2 $10,000 - <$50,000 | — | 0.50% | — | 0.50% | $25 |
| 6 monthsTier 3 $50,000 & Greater | — | — | 0.50% | —0.50% from $50k | — |
| 12 monthsTier 1 $500 - <$10,000 | 0.75% | — | — | 0.75% | $75 |
| 12 monthsTier 2 $10,000 - <$50,000 | — | 0.75% | — | 0.75% | $75 |
| 12 monthsTier 3 $50,000 & Greater | — | — | 0.75% | —0.75% from $50k | — |
| 15 monthsTier 1 $500 - <$10,000 | 3.30% | — | — | 3.30% | $414 |
| 15 monthsTier 2 $10,000 - <$50,000 | — | 3.30% | — | 3.30% | $414 |
| 15 monthsTier 3 $50,000 & Greater | — | — | 3.30% | —3.30% from $50k | — |
| 24 monthsTier 1 $500 - <$10,000 | 0.85% | — | — | 0.85% | $171 |
| 24 monthsTier 2 $10,000 - <$50,000 | — | 0.85% | — | 0.85% | $171 |
| 24 monthsTier 3 $50,000 & Greater | — | — | 0.85% | —0.85% from $50k | — |
| 36 monthsTier 1 $500 - <$10,000 | 0.95% | — | — | 0.95% | $288 |
| 36 monthsTier 2 $10,000 - <$50,000 | — | 0.95% | — | 0.95% | $288 |
| 36 monthsTier 3 $50,000 & Greater | — | — | 0.95% | —0.95% from $50k | — |
| 48 monthsTier 1 $500 - <$10,000 | 1.11% | — | — | 1.11% | $451 |
| 48 monthsTier 2 $10,000 - <$50,000 | — | 1.11% | — | 1.11% | $451 |
| 48 monthsTier 3 $50,000 & Greater | — | — | 1.11% | —1.11% from $50k | — |
| 60 monthsTier 1 $500 - <$10,000 | 1.21% | — | — | 1.21% | $620 |
| 60 monthsTier 2 $10,000 - <$50,000 | — | 1.21% | — | 1.21% | $620 |
| 60 monthsTier 3 $50,000 & Greater | — | — | 1.21% | —1.21% from $50k | — |
Sources (1)
- cuofga.org/savings · captured Oct 15, 2026
Special-purpose accounts
IRA CD
Up to 3.75%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.65% | $181 |
| 12 months | 3.75% | $375 |
| 24 months | 3.25% | $661 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.35% | $1,409 |
| 60 months | 3.35% | $1,791 |
Sources (1)
- cuofga.org/wp-content/uploads/…er-Friendly_7_1_2026.pdf · captured Oct 15, 2026
Senior Class CD
Up to 3.75%APY · 6 terms
Available to members 65 years and older.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsOpen to members 65 years and older; jumbo CD rates on all CD balances | 3.65% | $181 |
| 12 monthsOpen to members 65 years and older; jumbo CD rates on all CD balances | 3.75% | $375 |
| 24 monthsOpen to members 65 years and older; jumbo CD rates on all CD balances | 3.25% | $661 |
| 36 monthsOpen to members 65 years and older; jumbo CD rates on all CD balances | 3.25% | $1,007 |
| 48 monthsOpen to members 65 years and older; jumbo CD rates on all CD balances | 3.35% | $1,409 |
| 60 monthsOpen to members 65 years and older; jumbo CD rates on all CD balances | 3.35% | $1,791 |
Sources (2)
All captured Oct 15, 2026
Who can join Credit Union of Georgia
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Bartow, Cherokee, Cobb, Dawson, Douglas, Fannin, Forsyth, Fulton, Gilmer, Lumpkin, Paulding, Pickens, or Union County are eligible to join.
Other ways
- Residents of Georgia who make a donation of at least $5 to the Credit Union of Georgia Community Foundation are eligible for membership.
Cost to join
- A donation of at least $5 to the Credit Union of Georgia Community Foundation is required for Georgia residents who do not live or work in the served counties.
- Members must maintain a minimum daily balance of $10 in any account, which represents their membership ownership share and keeps membership active.
Membership information collected October 4, 2026.