Credit union · NCUA insured
Georgia's Own Credit Union CD Rates
Georgia's Own Credit Union’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 Georgia's Own Credit Union’s CD rates compare
Compared with banks and credit unions near Atlanta, GA, where Georgia's Own Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Georgia's Own Credit Union
3.75%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $375
Certificates of Deposit (CDs)
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
Georgia's Own Credit Union CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo3.62%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo2.90%
- 31–60 months31–60 mo2.90%
- QualifiedQualified3.75%
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 Georgia's Own Credit Union 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.
Certificates of Deposit (CDs)
Up to 3.75%APY · 6 terms
Penalty applies for early withdrawal. Fees may reduce earnings on an account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest credited monthly or interest compounded quarterly | 3.62% | $179 |
| 12 monthsInterest credited monthly or interest compounded quarterly | 3.75% | $375 |
| 24 monthsInterest compounded quarterly | 2.90% | $588 |
| 36 monthsInterest credited monthly or interest compounded quarterly | 2.90% | $895 |
| 48 monthsInterest compounded quarterly | 2.90% | $1,211 |
| 60 monthsInterest credited monthly or interest compounded quarterly | 2.90% | $1,537 |
Flex CD
3.50%APY · 1 term
Interest is compounded quarterly. Penalty applies for any early partial withdrawal. Fees may reduce earnings on an account. Additional deposits are permitted until the account balance reaches the maximum balance of $25,000. One (1) penalty-free, full balance withdrawal is permitted per term resulting in the account being closed, but cannot be completed within the first six (6) days after account opening, initial/subsequent deposits, or partial withdrawal. Limit of one (1) open Flex CD account per Primary Owner. A 12-month waiting period applies for subsequent Flex CD account openings per Primary Owner starting on closure date. At maturity, renews into a 1-Year Flex CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum opening deposit is $100 and cannot exceed $25,000. Maximum balance is $25,000 | 3.50% | $350 |
Own Your Rate CD
1.50%APY · 2 terms
Bump rate certificate allows raising the interest rate to match a new, higher rate for the remainder of the term. Not available on IRAs. Penalty applies for early withdrawal. Fees may reduce earnings on an account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 22 monthsIncludes 1 rate bump | 1.50% | $277 |
| 44 monthsIncludes 2 rate bumps | 1.50% | $561 |
Special-purpose accounts
Individual Retirement Accounts
Up to 3.75%APY · 6 terms
Available as Traditional, Roth, or SEP IRAs. Penalty applies for early withdrawal. Fees may reduce earnings on an account. IRA accounts may also be subject to tax penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInterest compounded and credited quarterly | 3.75% | $375 |
| 18 monthsInterest credited monthly. Rate may change after the account is opened (variable-rate account) | 2.90% | $438 |
| 24 monthsInterest compounded and credited quarterly | 2.90% | $588 |
| 36 monthsInterest compounded and credited quarterly | 2.90% | $895 |
| 48 monthsInterest compounded and credited quarterly | 2.90% | $1,211 |
| 60 monthsInterest compounded and credited quarterly | 2.90% | $1,537 |
Sources (3)
- georgiasown.org/savings/iras
- georgiasown.org/all-rates-page
- georgiasown.org/rates-certificate-accounts
All captured Oct 15, 2026
Club Individual Retirement Account (Compounded Quarterly)
0.05%APY
Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. The annual percentage yields are accurate as of the dates specified in our Truth in Savings Disclosure. There is no Georgia's Own applied penalty for early withdrawal, but IRS penalties may still apply. Club IRAs have a $5 minimum balance requirement.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Balance range: $5.01 - $49,999.99. Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. | 0.05% | $5 | Balance range: $5.01 - $49,999.99. Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. |
| $50,000 – $100,000Balance range: $50,000 - $99,999.99. Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. | 0.06% | — | Balance range: $50,000 - $99,999.99. Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. |
| $100,000 and upBalance range: $100,000+. Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. | 0.07% | — | Balance range: $100,000+. Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. |
Sources (3)
- georgiasown.org/savings/iras
- georgiasown.org/all-rates-page
- georgiasown.org/rates-certificate-accounts
All captured Oct 15, 2026
Who can join Georgia's Own Credit Union
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 one of 77 designated Georgia counties are eligible for membership.
Employers and groups
- Employees and retirees of over 600 partner companies throughout Georgia are eligible for membership.
Family and household
- Individuals related by blood, adoption, or marriage to a current Georgia's Own member are eligible for membership.
Cost to join
- A $5 opening deposit into a primary savings account (share account) is required to establish membership.
Membership information collected October 4, 2026.