Credit union · NCUA insured
MyGeorgia Credit Union Savings Rates
Top CarrotMyGeorgia Credit Union’s best savings rate is 2.27% APY on $10,000, with its My Money Market. Rates checked October 22, 2026.
How MyGeorgia Credit Union’s savings rates compare
Compared with banks and credit unions near Gainesville, GA, where MyGeorgia Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MyGeorgia Credit Union
2.27%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $227
My Money Market
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
3rd-highest rate
Associated Credit Union
1.25%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $125
MyGeorgia Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0002.27%
- $100,000 balance$100,0003.04%
- QualifiedQualified2.27%
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 MyGeorgia Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
My Money Market
2.27%APY
Minimum $2,000.00 balance to earn dividends. First 50 checks free. Subject to withdrawal fee for each account debit after 6 per month. Dividends paid monthly. Rates are variable and may change after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Average daily balance tier $0 - $1,999.99. Rate is 0%. | 0.00% | — | Average daily balance tier $0 - $1,999.99. Rate is 0%. |
| $2,000 – $10,000Average daily balance tier $2,000 - $9,999.99. Rate is 2.00%. Minimum $2,000.00 balance to earn. | 2.02% | — | Average daily balance tier $2,000 - $9,999.99. Rate is 2.00%. Minimum $2,000.00 balance to earn. |
| $10,000 – $25,000Average daily balance tier $10,000 - $24,999.99. Rate is 2.25%. | 2.27% | $227 | Average daily balance tier $10,000 - $24,999.99. Rate is 2.25%. |
| $25,000 – $75,000Average daily balance tier $25,000 - $74,999.99. Rate is 2.75%. | 2.79% | — | Average daily balance tier $25,000 - $74,999.99. Rate is 2.75%. |
| $75,000 and upAverage daily balance tier $75,000 - over. Rate is 3.00%. | 3.04% | — | Average daily balance tier $75,000 - over. Rate is 3.00%. |
Share Savings Account
0.85%APY
Includes Elite Club. Dividends paid quarterly. Rates are variable and may change after account is opened. Money Market and Share accounts are subject to withdrawal fee for each account debit after 6 per month. ATM card access has $1 fee for each savings withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Quarterly dividend rate. | 0.25% | — | Quarterly dividend rate. |
| $1,000 – $5,000Quarterly dividend rate. | 0.35% | — | Quarterly dividend rate. |
| $5,000 – $10,000Quarterly dividend rate. | 0.55% | — | Quarterly dividend rate. |
| $10,000 and upQuarterly dividend rate. | 0.85% | $85 | Quarterly dividend rate. |
Special-purpose accounts
Christmas Club Account
0.25%APY · 1 term
Account term runs from November 1st to October 31st of the following year. No minimum balance required. Funds transferred to Base Share Account. Payroll deduction available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsQuarterly dividend rate. Term runs November 1 to October 31 of following year. No minimum balance required | 0.25% | $25 |
Kids Club Account
0.25%APY
For members 12 and under. Child receives Kids Club Bucks each time they make a minimum deposit of $5.00. Points can be redeemed for prizes.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividend rate.Any balance | 0.25% | $25 | Quarterly dividend rate. |
Vacation Club Account
0.25%APY · 1 term
Account term runs from June 1st to May 31st of the following year. No minimum balance required. Funds transferred to Base Share Account. Payroll deduction available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsQuarterly dividend rate. Term runs June 1 to May 31 of following year. No minimum balance required | 0.25% | $25 |
Who can join MyGeorgia Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to individuals who live and work in Banks, Clarke, Dawson, Habersham, Hall, Jackson, Lumpkin, Madison, Oconee, Oglethorpe, Rabun, and White counties in Northeast Georgia.
Membership information collected October 4, 2026.