--- title: "Mygeorgia Credit Union Rates (Nov 2026): Mortgage 6.48%" description: "Mygeorgia Credit Union rates today: 10 10 arm mortgage 6.48% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Mygeorgia Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/georgia/mygeorgia" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mygeorgia Credit Union Rates (Nov 2026): Mortgage 6.48% ### Mortgage rates 8 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.990% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.875% | — | Standard | | **10/10 ARM (up to 80% LTV)** 10 10 arm | 6.478% APR | 5.750% | — | Standard | | **7/7 ARM (up to 80% LTV)** 7 7 arm | 6.552% APR | 5.625% | — | Standard | | **10/10 ARM (80.01% - 90% LTV)** 10 10 arm | 6.560% APR | 5.875% | — | Standard | | **7/7 ARM (80.01% - 90% LTV)** 7 7 arm | 6.617% APR | 5.750% | — | Standard | | **5/5 ARM (up to 80% LTV)** 5 5 arm | 6.666% APR | 5.500% | — | Standard | | **5/5 ARM (80.01% - 90% LTV)** 5 5 arm | 6.716% APR | 5.625% | — | Standard | Mygeorgia Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **My Auto Loan** auto | — APR | 3.990% | — | Standard | Mygeorgia Credit Union auto & vehicle rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **My Credit Card** credit_card | — APR | 7.900% | — | Standard | Mygeorgia Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **My Money Market** money_market | — APY | 3.00% | — | Standard | Mygeorgia Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Mygeorgia Credit Union offers a 10 10 arm mortgage at 6.478% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/georgia/mygeorgia) , verified from [Mygeorgia Credit Union's official website](https://www.mygacu.com/) Loading branch locator… ## About Mygeorgia Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 20.6K Assets $256.5M Founded 1971 Locations reported 9 NCUA charter 68602 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 - First-time homebuyer program 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. [**Georgia's Own** Gainesville Branch · Gainesville · GA · 30501-2606 Branch in the same ZIP](https://rateapi.dev/credit-unions/georgia/georgias-own) [**Delta Community** Gainesville · Gainesville · GA · 30501 About 2.8 miles away](https://rateapi.dev/credit-unions/georgia/delta-community) [**Associated Credit Union** Associated Credit Union - Oakwood Branch · Oakwood · GA · 30566-2237 About 6.3 miles away](https://rateapi.dev/credit-unions/georgia/associated-credit-union) [**Northside** Northside Federal Credit Union · Cumming · GA · 30041 About 18.2 miles away](https://rateapi.dev/credit-unions/georgia/northside) [**Navy Federal Credit Union** Buford GA · Buford · GA · 30519 About 19.1 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Peach State** Jefferson · Jefferson · GA · 30549 About 19.4 miles away](https://rateapi.dev/credit-unions/georgia/peach-state) 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 Mygeorgia Credit Union Membership eligibility from Mygeorgia Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Mygeorgia Credit Union's website. Check the membership page below to confirm whether you qualify. - Location banks, clarke, dawson, habersham, hall, jackson, lumpkin, madison, oconee, oglethorpe, rabun, white — GA Verified from [Mygeorgia Credit Union's membership page](https://www.mygacu.com/who-we-are/) . Final membership determination is always made by the credit union. ## Membership rules for Mygeorgia Credit Union Geography 12 counties · Family 25 published paths to membership, last verified August 27, 2026, quoted from Mygeorgia Credit Union’s own published criteria. ### Geography 12 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Banks County, GA - Clarke County, GA - Dawson County, GA - Habersham County, GA - Hall County, GA - Jackson County, GA - Lumpkin County, GA - Madison County, GA - Oconee County, GA - Oglethorpe County, GA - Rabun County, GA - White County, GA “Serving People Who Live & Work In – Banks, Clarke, Dawson, Habersham, Hall, Jackson, Lumpkin, Madison, Oconee, Oglethorpe, Rabun, and White – Northeast Georgia Counties” > [source ↗](https://www.mygacu.com/) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, adoptive relationships “We also extend our benefits to your immediate family members. An immediate family member is defined as a spouse, child, sibling, parent, grandparent, and grandchild. To include the changing needs of our members, MyGeorgia’s definition of immediate family has been broadened to include stepparents,…” > [source ↗](https://www.mygacu.com/who-we-are/) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, adoptive relationships) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Mygeorgia Credit Union? Yes No ## Work at Mygeorgia 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 Mygeorgia Credit Union ranks against Georgia peers. - See which AI assistants fetched Mygeorgia 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=mygeorgia&state=georgia&code=GA&name=Mygeorgia%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Mygeorgia Credit Union offer? Mygeorgia Credit Union currently offers mortgage, Auto loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Mygeorgia Credit Union rates updated? RateAPI verifies Mygeorgia 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 Mygeorgia Credit Union's rate data? Rate data is collected directly from Mygeorgia 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 Mygeorgia Credit Union's mortgage rate? As of November 12, 2026, Mygeorgia Credit Union offers a 10 10 arm mortgage at 6.478% APR. ### Who can join Mygeorgia Credit Union? Mygeorgia Credit Union publishes its membership criteria on its own website. RateAPI tracks 25 published membership paths covering 12 counties for Mygeorgia Credit Union, each quoted from Mygeorgia Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Mygeorgia Credit Union's rates against national credit-union benchmarks. [More Georgia credit unions](https://rateapi.dev/credit-unions/georgia) [Georgia mortgage rate leaders](https://rateapi.dev/mortgage-rates/georgia) [Georgia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/georgia) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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://www.mygacu.com/) ### 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 Mygeorgia 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 Mygeorgia Credit Union curl "https://api.rateapi.dev/credit-unions/georgia /mygeorgia " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Mygeorgia Credit Union locations Search, filter, and browse all 9 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/mygeorgia Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp