Skip nav to main content.
Mobile App
Find it for free on the App Store.
Get The App
Mobile App
Find it for free on the App Store.
Get The App
Credit Union of Georgia logo Credit Union of Georgia - Homepage

Rates

Loan Rates

  • Vehicle Loans
    Rates Effective as of: 09-27-2020

    New Vehicle Loans

    Loan LengthAPR* Estimated Monthly Payment Per $1,000
    0 - 48 monthsas low as 2.19%**$21.78 per $1,000
    49-60 monthsas low as 2.34%**$17.68 per $1,000
    61-72 monthsas low as 2.54%**$14.99 per $1,000
    73-84 monthsas low as 3.79%** $13.57 per $1,000

    *Annual Percentage Rate. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia directly at 678-486-1111 for current rates, terms, and conditions.
    **Rates advertised include a .25% rate deduction when members set up auto pay from their Credit Union of Georgia Checking Account. Promotion valid for a limited time only. Members will receive the promotional rate for the life of the loan.

    Rates Effective as of: 09-27-2020

    Used Vehicle Loans

    Loan LengthAPR* Estimated Monthly Payment Per $1,000
    0-48 monthsas low as 2.44%** $21.89 per $1,000
    49-60 monthsas low as 2.59%**$17.79 per $1,000
    61-72 months as low as 2.79%**$15.10 per $1,000
    73-84 monthsas low as 4.04%**$13.69 per $1,000

    *Annual Percentage Rate. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia directly at 678-486-1111 for current rates, terms, and conditions.
    **Rates advertised include a .25% rate deduction when members set up auto pay from their Credit Union of Georgia Checking Account. Promotion valid for a limited time only. Members will receive the promotional rate for the life of the loan.

    Rates Effective as of: 09-27-2020

    Recreational Vehicle Loans
    (RV, Camper & Travel Trailer)

    Loan LengthAPR* Estimated Monthly Payment Per $1,000
    0-48 monthsas low as 2.19%*$22 per $1,000
    49-60 monthsas low as 2.34%*$18 per $1,000
    61-72 monthsas low as 2.54%*$15 per $1,000
    73-84 monthsas low as 3.49%*$13 per $1,000
    85-96 months**as low as 3.74%*$12 per $1,000
    97-120 months**as low as 4.24%*$10 per $1,000
    121-180 months**as low as 4.49%*$8 per $1,000
    181-240 months**as low as 4.99%*$7 per $1,000

    *Annual Percentage Rate. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia directly at 678-486-1111 for current rates, terms and conditions.
    **Minimum finance amounts apply for longer terms.

    Rates Effective as of: 09-27-2020

    Other Recreational Collateral
    (Motorcycle, ATV, Golfcart)

    Loan LengthAPR* Estimated Monthly Payment Per $1,000
    0-48 monthsas low as 2.94%** $22.11 per $1,000
    49-60 monthsas low as 3.09%**$18.01 per $1,000
    61-72 monthsas low as 3.29%**$15.32 per $1,000
    73-84 monthsas low as 4.94%**$14.11 per $1,000
    85-96 monthsas low as 6.09%**$13.19 per $1,000
    97-120 monthsas low as 6.59%**$11.40 per $1,000

    *Annual Percentage Rate. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia directly at 678-486-1111 for current rates, terms and conditions.
    **Rates advertised include a .25% rate deduction when members set up auto pay from their Credit Union of Georgia Checking Account. Promotion valid for a limited time only. Members will receive the promotional rate for the life of the loan.

    Rates Effective as of: 09-27-2020

    Watercraft Loans

    Loan LengthAPR* Estimated Monthly Payment Per $1,000
    0-48 monthsas low as 2.94%** $22.11 per $1,000
    49-60 monthsas low as 3.09%**$18.01 per $1,000
    61-72 monthsas low as 3.29%**$15.32 per $1,000
    73-84 monthsas low as 4.94%**$14.11 per $1,000
    85-96 monthsas low as 6.09%**$13.19 per $1,000
    97-120 monthsas low as 6.59%**$11.40 per $1,000

    *Annual Percentage Rate. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia directly at 678-486-1111 for current rates, terms and conditions.
    **Rates advertised include a .25% rate deduction when members set up auto pay from their Credit Union of Georgia Checking Account. Promotion valid for a limited time only. Members will receive the promotional rate for the life of the loan.

    Monthly Payment

    Loan Amount
    $
    Rate
    %
    Term (Months)
  • Home Loans
    Rates Effective as of: 09-27-2020

    Home Equity Loans
    70% or less Loan to Value

    Loan LengthAPR*Estimated Monthly Payment Per $1,000
    0-60 monthsas low as 2.99% $17.96 per $1,000
    61-120 monthsas low as 3.99%$10.12 per $1,000
    121-180 monthsas low as 4.49%$7.64 per $1,000

    *Annual Percentage Rate. Auto pay required through the member’s Credit Union of Georgia Checking Account to receive advertised rates. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia at 678-486-1111 for current rates, terms and conditions. Credit Union of Georgia, 3048 Eagle Drive, Woodstock, GA, 30189, NMLS ID #571306.

    Rates Effective as of: 09-27-2020

    Home Equity Loans 70.01%-80.00% Loan to Value

    Loan LengthAPR*Estimated Monthly Payment Per $1,000
    0-60 monthsas low as 3.74%$18.30 per $1,000
    61-120 monthsas low as 4.49%$10.36 per $1,000
    121-180 monthsas low as 4.99% $7.90 per $1,000

    *Annual Percentage Rate. Auto pay required through the member’s Credit Union of Georgia Checking Account to receive advertised rates. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia at 678-486-1111 for current rates, terms and conditions. Credit Union of Georgia, 3048 Eagle Drive, Woodstock, GA, 30189, NMLS ID #571306.

    Rates Effective as of: 09-27-2020

    Home Equity Loans 80.01%-90.00% Loan to Value

    Loan LengthAPR*Estimated Monthly Payment Per $1,000
    0-60 monthsas low as 4.14% $18.48 per $1,000
    61-120 monthsas low as 5.04% $10.63 per $1,000
    121-180 months as low as 5.54%$8.19 per $1,000

    *Annual Percentage Rate. Auto pay required through the member’s Credit Union of Georgia Checking Account to receive advertised rates. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia at 678-486-1111 for current rates, terms and conditions. Credit Union of Georgia, 3048 Eagle Drive, Woodstock, GA, 30189, NMLS ID #571306.

    Rates Effective as of: 09-27-2020

    Home Equity Lines of Credit (HELOC)

    Type of Loan APR*Estimated Monthly Payment Per $1,000
    70% or less LTV***as low as 3.00%**$6.91 per $1,000
    70.01%-80.00% or less LTV***as low as 3.25%**$7.03 per $1,000
    80.01% - 90.00% LTV*** as low as 4.00%**$7.40 per $1,000

    *Annual Percentage Rate. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia directly at 678-486-1111 for current rates, terms, and conditions.
    **HELOC and TLOC are adjustable rate loans with the rate being based on the WSJ Prime Rate. The WSJ Prime Rate is currently 3.25%.
    ***Loan to Value.

    HELOCs require a minimum of $100 payment per month for up to 180 months.

     

    Mortgages 

    Visit any branch location or contact us at Mortgages@CUofGA.org or 678-486-1111 for Today’s Current Rates.

    Monthly Payment

    Loan Amount
    $
    Rate
    %
    Term (Months)

     

    Mortgage Payment Calculator

     

    Monthly Payment

    Property Tax: 167
    Homeowners Insurance: 100
    HOA Fee: 0
    Mortgage Insurance: 167
    Mortgage Amount
    $
    $
    Fixed Rate
    %
    Term Years
    Advanced Options
  • Personal Loans
    Rates Effective as of: 09-27-2020

    Personal Loans

    Loan LengthAPR*Estimated Monthly Payment Per $1,000
    0 - 60 months as low as 6.99%$19.80 per $1,000

    *Annual Percentage Rate. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia directly at 678-486-1111 for current rates, terms, and conditions.

    Rates Effective as of: 09-27-2020

    True Line of Credit

    Loan LengthAPR*Estimated Monthly Payment Per $1,000
    0-48 months as low as 8.74%**$24.76 per $1,000

    *Annual Percentage Rate. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia directly at 678-486-1111 for current rates, terms, and conditions.
    **HELOC and TLOC are adjustable rate loans with the rate being based on the WSJ Prime Rate. The WSJ Prime Rate is currently 3.25%.

    Rates Effective as of: 09-27-2020

    Deposit Secured

    Loan LengthAPR*Estimated Monthly Payment Per $1,000
    0 - 48 monthsas low as 2.99%$22.14 per $1,000
    49 - 84 monthsas low as 3.49%$13.44 per $1,000

    *Annual Percentage Rate. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia directly at 678-486-1111 for current rates, terms, and conditions.

    Monthly Payment

    Loan Amount
    $
    Rate
    %
    Term (Months)