Credit union · NCUA insured
North Georgia Credit Union Savings Rates
North Georgia Credit Union’s best savings rate is 0.20% APY on $10,000, with its Regular Share/Savings. Rates checked October 22, 2026.
How North Georgia Credit Union’s savings rates compare
Compared with banks and credit unions near Toccoa, GA, where North Georgia Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
North Georgia Credit Union
0.20%APY
- Minimum
- $25
- Earns on $10,000 a year
- $20
Regular Share/Savings
Top rate
Peach State Federal Credit Union
1.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $100
2nd-highest rate
Omega Psi Phi Fraternity Federal Credit Union
0.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
North Georgia Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 North Georgia 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.
Regular Share/Savings
0.20%APY
Initial deposit of $25 required plus a $5 one-time membership fee. Members must maintain a $25 balance and demonstrate regular activity.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid quarterly on average daily balance and compounded quarterly. Subject to transfer and withdrawal limitations (maximum 6 transfers/withdrawals per month).$25 and up | 0.20% | $20 | Dividends paid quarterly on average daily balance and compounded quarterly. Subject to transfer and withdrawal limitations (maximum 6 transfers/withdrawals per month). |
Sources (3)
- ngcu.org/wp-content/uploads/20…ings-Disclosures0421.pdf
- ngcu.org/savings-accounts
- ngcu.org/share-rates
All captured Oct 5, 2026
Special-purpose accounts
IRA Savings
0.30%APY
Available as Traditional IRA or Roth IRA savings accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly. No pre-authorized, automatic, or telephone transfers permitted from account at any time.Any balance | 0.30% | $30 | Dividends compounded and credited quarterly. No pre-authorized, automatic, or telephone transfers permitted from account at any time. |
Sources (3)
- ngcu.org/wp-content/uploads/20…ings-Disclosures0421.pdf
- ngcu.org/individual-retirement-accounts-iras
- ngcu.org/share-rates
All captured Oct 5, 2026
Christmas Club
0.20%APY
Entire balance is transferred to Regular Savings Account on the first Monday of November (on or after November 1st) and the account remains open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly. Accrued dividends paid if closed within 7 days of opening. Subject to transfer and withdrawal limitations.Any balance | 0.20% | $20 | Dividends compounded and credited quarterly. Accrued dividends paid if closed within 7 days of opening. Subject to transfer and withdrawal limitations. |
Sources (3)
- ngcu.org/wp-content/uploads/20…ings-Disclosures0421.pdf
- ngcu.org/share-rates
- ngcu.org/special-savings-accounts
All captured Oct 5, 2026
Who can join North Georgia Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents of Stephens, Franklin, Hart and Rabun Counties are eligible for membership.
- Individuals who work in Stephens, Franklin, Hart, and Rabun Counties are eligible for membership.
Employers and groups
- Employees and affiliates of participating employee groups and companies are eligible to join.
Family and household
- Immediate family members of eligible group employees and members are eligible for membership.
Cost to join
- An initial share deposit of $25 is required to open a regular share/savings account and maintain membership.
- A $5 one-time membership fee is required upon joining.
Membership information collected October 4, 2026.