--- title: "Georgia United Credit Union Rates (Nov 2026): Personal 6.14%" description: "Georgia United Credit Union rates today: personal loans from 6.14% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Georgia United Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/georgia/georgia-united" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Georgia United Credit Union Rates (Nov 2026): Personal 6.14% ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New and Pre-owned Auto Loans* (2024 and Newer)** auto_used | — APR | 4.240% | used | Standard | | **Auto Loan (2024 and Newer)** auto | — APR | 4.240% | — | Standard | | **New and Pre-owned Auto Loans* (2023 and Older)** auto_used | — APR | 6.140% | used | Standard | | **Boats, Campers & RVs** boat | — APR | 7.590% | — | Standard | Georgia United Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.500% | — | Standard | Georgia United Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | 6.140% APR | 4.240% | — | Standard | | **New Teacher Loan** personal | — APR | 10.500% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.500% | — | Standard | Georgia United Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 33 offers | Product | Published | Rate | Term / condition | Status | | **Deposits of $10,000 - $24,999.99** savings | — APY | 0.10% | — | Standard | | **Deposits of $1,000 - $4,999.99** savings | — APY | 0.10% | — | Standard | | **Money Market ($0.01–$9,999.99)** money_market | — APY | 0.10% | — | Standard | | **Current Money Market Rates (Deposits of $10,000 - $24,999.99)** money_market | — APY | 0.10% | — | Standard | | **Deposits of $0.01 - $99.99** savings | — APY | 0.10% | — | Standard | | **Balances less than $10,000** savings | — APY | 0.10% | — | Standard | | **Deposits of $0.01 - $9,999.99** savings | — APY | 0.10% | — | Standard | | **Deposits greater than $5,000** savings | — APY | 0.10% | — | Standard | | **Deposits of $100 - $999.99** savings | — APY | 0.10% | — | Standard | | **Current Money Market Rates (Deposits of $25,000 - $99,999.99)** money_market | — APY | 0.15% | — | Standard | | **Deposits of $25,000 - $99,999.99** savings | — APY | 0.15% | — | Standard | | **Enriched Spending Account** savings | — APY | 0.15% | — | Standard | | **Current Money Market Rates (Deposits greater than $99,999.99)** money_market | — APY | 0.50% | — | Standard | | **Deposits greater than $99,999.99** savings | — APY | 0.50% | — | Standard | | **Balances $10,000 - $24,999.99** savings | — APY | 1.74% | — | Standard | | **36-Month Certificate** cd_36mo | — APY | 2.96% | 36 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 2.96% | 36 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 3.01% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.01% | 24 mo | Standard | | **Balances less than $25,000, with monthly net deposit(s) of $100+** savings | — APY | 3.11% | — | Standard | | **Balances $25,000 or more** savings | — APY | 3.11% | — | Standard | | **48-Month IRA Certificate** ira_cd_48mo | — APY | 3.20% | 48 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.20% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.20% | 60 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 3.20% | 60 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 3.30% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.30% | 12 mo | Standard | | **3-Month Certificate** cd_3mo | — APY | 3.68% | 3 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.68% | 6 mo | Standard | | **27-Month Certificate** cd_27mo | — APY | 3.92% | 27 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | — APY | 4.40% | 18 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 4.40% | 18 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 4.50% | 18 mo | Standard | Georgia United Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New and Pre-Owned as low as** other | — % | 7.590% | — | Standard | | **New Teacher Loan** other | — % | 10.500% | — | Standard | Georgia United Credit Union other rates as of November 12, 2026 Personal loan rates from 6.14% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/georgia/georgia-united) , verified from [Georgia United Credit Union's official website](https://gucu.org/) Best product position **Better than the Georgia median** personal loan Gap to state best **412 bp** 412 bp from state best Vs. state median **185 bp better than median** personal loan Products ranked **1** across tracked Georgia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 6.14% | Better than the Georgia median | 412 bp from state best | 185 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Georgia United Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=georgia-united&state=georgia&code=GA&name=Georgia%20United%20Credit%20Union) Loading branch locator… ## About Georgia United Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 159.6K Assets $2.5B Founded 1958 Locations reported 15 NCUA charter 68607 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Delta Community** Johns Creek · Johns Creek · GA · 30097-1543 Branch in the same ZIP](https://rateapi.dev/credit-unions/georgia/delta-community) [**Vystar** 180-Suwanee · Suwanee · GA · 30024-1249 About 3.0 miles away](https://rateapi.dev/credit-unions/florida/vystar) [**Eagle Express** Vital Records · Johns Creek · GA · 30024 About 3.2 miles away](https://rateapi.dev/credit-unions/mississippi/eagle-express) [**Metro Medical** Co-Op Shared Branching Network · Duluth · GA · 30097 About 3.9 miles away](https://rateapi.dev/credit-unions/texas/metro-medical) [**P & S** Shares Service Center · Duluth · GA · 30097 About 3.9 miles away](https://rateapi.dev/credit-unions/utah/p-s) [**Platinum** Corporate Office · Duluth · GA · 30097 About 3.9 miles away](https://rateapi.dev/credit-unions/georgia/platinum) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Georgia United Credit Union Membership eligibility from Georgia United Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Georgia United Credit Union's website. Check the membership page below to confirm whether you qualify. **Cost to join:** About $10 (a $5 membership fee plus a $5 minimum deposit). Verified from [Georgia United Credit Union's membership page](https://gucu.org/open-an-account) . Final membership determination is always made by the credit union. ## Work at Georgia United Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Georgia United Credit Union ranks against Georgia peers. - See which AI assistants fetched Georgia United Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Georgia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=georgia-united&state=georgia&code=GA&name=Georgia%20United%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Georgia United Credit Union offer? Georgia United Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Georgia United Credit Union rates updated? RateAPI verifies Georgia United Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Georgia United Credit Union's rate data? Rate data is collected directly from Georgia United Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Georgia United Credit Union's personal loan rate? As of November 12, 2026, Georgia United Credit Union offers personal loans from 6.14% APR. ### Who can join Georgia United Credit Union? Georgia United Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Georgia United Credit Union's rates against national credit-union benchmarks. [More Georgia credit unions](https://rateapi.dev/credit-unions/georgia) [Georgia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/georgia) [Georgia HELOC rate leaders](https://rateapi.dev/heloc-rates/georgia) [Georgia personal loan leaders](https://rateapi.dev/personal-loan-rates/georgia) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://gucu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Georgia United Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Georgia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Georgia United Credit Union curl "https://api.rateapi.dev/credit-unions/georgia /georgia-united " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Georgia United Credit Union locations Search, filter, and browse all 15 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/georgia/georgia-united Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp