--- title: "North Georgia Credit Union Rates: HELOC 6.75%, CDs to 3.15%" description: "North Georgia Credit Union rates today: 30 year fixed mortgage 6.75% APR, vehicle loans from 6.25% APR, HELOC from 6.75% APR, savings & CDs up to 3.15% APY, personal loans from 6.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join North Georgia Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/georgia/north-georgia" last-updated: "2026-08-22" source: "https://rateapi.dev/llms.txt" --- # North Georgia Credit Union Rates: HELOC 6.75%, CDs to 3.15% ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **First Mortgage – 30 Years Fixed Rate with 5-Year Balloon****30 year fixed | 6.750% APR | 6.750% | — | Standard | North Georgia Credit Union mortgage rates as of August 21, 2026 ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **New Autos – 0-42 Months New Autos – 43-72 Months**auto_new_42mo | 6.250% APR | 6.250% | 42 mo · new | Standard | | **Used Autos – 0-42 Months Used Autos – 43-72 Months**auto_used_42mo | 6.500% APR | 6.500% | 42 mo · used | Standard | | **Motor Homes 0-5 Years – Up to 60 Months 5-8 Years – Up to 48 Months**rv_any_60mo | 7.900% APR | 7.900% | 60 mo | Standard | | **Boats/Watercraft 0-5 Years – Up to 48 Months 5-8 Years – Up to 36 Months**boat_any_48mo | 7.900% APR | 7.900% | 48 mo | Standard | | **Motorcycles/ATVs 0-5 Years – Up to 48 Months 5-8 Years – Up to 36 Months**motorcycle_any_48mo | 7.900% APR | 7.900% | 48 mo | Standard | | **Campers 0-5 Years – Up to 48 Months 5-8 Years – Up to 36 Months**rv_any_48mo | 7.900% APR | 7.900% | 48 mo | Standard | | **All Other Used Autos 7-10 Years Old – Up to 36 Months 10 Years Plus – Up to 24 Months**auto_used_36mo | 9.900% APR | 9.900% | 36 mo · used | Standard | North Georgia Credit Union auto & vehicle rates as of August 21, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC – 5-Year Draw Period with a 15-Year Payment Period – Variable Rate*****heloc_variable | 6.750% APR | 6.750% | — | Standard | | **Second Mortgage – 15 Years Fixed Rate with 5-Year Balloon****heloc_fixed | 7.500% APR | 7.500% | — | Standard | North Georgia Credit Union heloc rates as of August 21, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Share Secured >$10,000 – Reasonable >$5,000 – Up to 48 Months <$5,000 – Up to 36 Months**personal_secured_48mo | 6.000% APR | 6.000% | 48 mo | Standard | | **Household Goods – Up to 48 Months**personal_unsecured_48mo | 7.900% APR | 7.900% | 48 mo | Standard | | **Personal >$5,000 – Up to 48 Months <$5,000 – Up to 36 Months**other | 10.900% APR | 10.900% | — | Standard | North Georgia Credit Union personal loan rates as of August 21, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **6-Month IRA**ira | 2.53% APY | 2.50% | 6 mo | Standard | | **12-Month IRA**ira | 3.05% APY | 3.00% | 12 mo | Standard | | **24-Month IRA**ira | 3.10% APY | 3.10% | 24 mo | Standard | | **36-Month IRA**ira | 3.15% APY | 3.10% | 36 mo | Standard | | **Share – 6 Months**other | 2.53% APY | 2.50% | — | Standard | | **Share – 12 Months**other | 3.05% APY | 3.00% | — | Standard | | **Share – 36 Months**other | 3.15% APY | 3.10% | — | Standard | | **Share – 24 Months**other | 3.15% APY | 3.10% | — | Standard | North Georgia Credit Union savings & cd rates as of August 21, 2026 ### Equipment loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Machinery & Equipment**equipment | 7.900% APR | 7.900% | — | Standard | North Georgia Credit Union equipment loan rates as of August 21, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Mobile Homes 0-5 Years – Up to 84 Months 5-8 Years – Up to 60 Months 8 Years Plus – Up to 48 Months**other | 7.900% % | 7.900% | — | Standard | North Georgia Credit Union other rates as of August 21, 2026 As of August 21, 2026, North Georgia Credit Union offers a 30-year fixed mortgage at 6.75% APR. Vehicle loans available from 6.25% APR for 42 months. HELOC rates from 6.75% APR. Personal loan rates from 6% APR. Savings and certificate yields up to 3.15% APY. Equipment loans from 7.9% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/georgia/north-georgia), verified from [North Georgia Credit Union's official website](https://ngcu.org/) Best product position**Better than the Georgia median**used-car loan Gap to state best**251 bp**251 bp from state best Vs. state median**38 bp better than median**used-car loan Products ranked**5**across tracked Georgia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.75% | Room to improve vs. the Georgia median | 38 bp from state best | 25 bp behind median | | new-car loan | 6.25% | Room to improve vs. the Georgia median | 276 bp from state best | 50 bp behind median | | used-car loan | 6.50% | Better than the Georgia median | 251 bp from state best | 38 bp better than median | | HELOC | 6.75% | Around the Georgia median | 176 bp from state best | Matches state median | | personal loan | 6.00% | Better than the Georgia median | 400 bp from state best | 200 bp better than median | Published rate position by product as of August 21, 2026 This is the public snapshot. Claim North Georgia 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=north-georgia&state=georgia&code=GA&name=North%20Georgia%20Credit%20Union) Loading branch locator… ## About North Georgia Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 11.6K Assets $116.5M Founded 1991 Locations reported 5 NCUA charter 67395 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Financial counseling - Financial education - 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. [**Peach State**Liberty Hill · Toccoa · GA · 30577-7996Branch in the same ZIP](https://rateapi.dev/credit-unions/georgia/peach-state)[**The Wright**The Wright Credit Union · Toccoa · GA · 30577About 1.7 miles away](https://rateapi.dev/credit-unions/georgia/the-wright)[**Georgia United**Cornelia Office · Cornelia · GA · 30531-2123About 11.7 miles away](https://rateapi.dev/credit-unions/georgia/georgia-united)[**Mygeorgia**Clarkesville Branch · Clarkesville · GA · 30523About 16.7 miles away](https://rateapi.dev/credit-unions/georgia/mygeorgia)[**S. C. State**Seneca · Seneca · SC · 29678About 21.3 miles away](https://rateapi.dev/credit-unions/south-carolina/s-c-state)[**Founders**Clemson Hendrix Center · Clemson · SC · 29631About 29.3 miles away](https://rateapi.dev/credit-unions/south-carolina/founders) 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 North Georgia Credit Union Membership eligibility from North Georgia Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology). Membership criteria are published on North Georgia Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [North Georgia Credit Union's membership page](https://ngcu.org/). Final membership determination is always made by the credit union. ## Work at North Georgia 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 North Georgia Credit Union ranks against Georgia peers. - See which AI assistants fetched North Georgia 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=north-georgia&state=georgia&code=GA&name=North%20Georgia%20Credit%20Union)[How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does North Georgia Credit Union offer? North Georgia Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 21, 2026 directly from the credit union's official website. ### How often are North Georgia Credit Union rates updated? RateAPI verifies North Georgia Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 21, 2026. ### Where does RateAPI get North Georgia Credit Union's rate data? Rate data is collected directly from North Georgia 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 North Georgia Credit Union's mortgage rate? As of August 21, 2026, North Georgia Credit Union offers a 30-year fixed mortgage at 6.75% APR. ### What are North Georgia Credit Union's auto, rv, boat & motorcycle loan rates? As of August 21, 2026, North Georgia Credit Union offers vehicle loans from 6.25% APR. ### What is North Georgia Credit Union's HELOC rate? As of August 21, 2026, North Georgia Credit Union offers home equity lines of credit from 6.75% APR. ### What is North Georgia Credit Union's personal loan rate? As of August 21, 2026, North Georgia Credit Union offers personal loans from 6% APR. ### What is North Georgia Credit Union's best CD rate? As of August 21, 2026, North Georgia Credit Union offers savings and certificate (CD) yields up to 3.15% APY. ### Who can join North Georgia Credit Union? North Georgia Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare North Georgia 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)[Georgia HELOC rate leaders](https://rateapi.dev/heloc-rates/georgia)[Georgia personal loan leaders](https://rateapi.dev/personal-loan-rates/georgia)[Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark)[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://ngcu.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 North Georgia 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 North Georgia Credit Union curl "https://api.rateapi.dev/credit-unions/georgia/north-georgia" \ -H "Authorization: Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/)[Use with Claude](https://rateapi.dev/#mcp) Branch locator ## North Georgia Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch servicesATMDrive-throughMember servicesShared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/georgia/north-georgia Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp