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Credit Union of Georgia logo Credit Union of Georgia - Homepage

Rates

Loan Rates

  • Vehicle Loans
    Rates Effective as of: 06-25-2022

    New Vehicle Loans

    Loan LengthAPR* Estimated Monthly Payment Per $1,000
    0-36 monthsas low as 2.29%**$28.86 per $1,000
    37-48 monthsas low as 2.54%**$22.00 per $1,000
    49-60 monthsas low as 2.69%**$17.89 per $1,000
    61-72 monthsas low as 2.94%** $15.23 per $1,000
    73-84 monthsas low as 3.54%** $13.52 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 member sets up auto pay from their Credit Union of Georgia Checking Account. Member will receive the promotional rate as long as auto pay is maintained from the members Checking Account.

    Rates Effective as of: 06-25-2022

    Used Vehicle Loans

    Loan LengthAPR* Estimated Monthly Payment Per $1,000
    0-36 monthsas low as 2.59%** $28.87 per $1,000
    37-48 monthsas low as 2.84%**$22.04 per $1,000
    49-60 months as low as 2.99%**$17.95 per $1,000
    61-72 monthsas low as 3.24%**$15.28 per $1,000
    73-84 monthsas low as 3.84%**$13.58 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 the year of the vehicle and 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 member sets up auto pay from their Credit Union of Georgia Checking Account. Member will receive the promotional rate as long as auto pay is maintained from the members Checking Account.

    Rates Effective as of: 06-25-2022

    Camper, RV & Travel Trailer

    Loan LengthAPR* Estimated Monthly Payment Per $1,000
    0-36 monthsas low as 2.99%**$29.04 per $1,000
    37-48 monthsas low as 3.24%**$22.21 per $1,000
    49-60 monthsas low as 3.39%**$18.12 per $1,000
    61-72 monthsas low as 3.99%**$15.62 per $1,000
    73-84 monthsas low as 4.49%**$13.87 per $1,000
    85-96 monthsas low as 4.99%**$12.63 per $1,000
    97-120 monthsas low as 5.49%**$10.83 per $1,000
    121-180 monthsas low as 5.99%**$8.42 per $1,000
    181-240 monthsas low as 6.49%**$7.44 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 the down payment and 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 member sets up auto pay from their Credit Union of Georgia Checking Account. Member will receive the promotional rate as long as auto pay is maintained from the members Checking Account.

    Rates Effective as of: 06-25-2022

    Jet Skis, Motorcycles, ATVs, Golf Carts, etc.

    Loan LengthAPR* Estimated Monthly Payment Per $1,000
    0-36 monthsas low as 5.24%** $30.09 per $1,000
    37-48 monthsas low as 5.49%**$23.26 per $1,000
    49-60 monthsas low as 5.64%**$19.17 per $1,000
    61-72 monthsas low as 6.24%**$16.69 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 member sets up auto pay from their Credit Union of Georgia Checking Account. Member will receive the promotional rate as long as auto pay is maintained from the members Checking Account.

    Rates Effective as of: 06-25-2022

    Marine Loans (Boats, Yachts & Sailboats)

    Loan LengthAPR* Estimated Monthly Payment Per $1,000
    0-48 monthsas low as 3.74%** $29.42 per $1,000
    37-28 monthsas low as 3.99%**$22.58 per $1,000
    49-60 monthsas low as 4.14%**$18.49 per $1,000
    61-72 monthsas low as 4.74%**$15.99 per $1,000
    73-84 monthsas low as 5.24%**$14.25 per $1,000
    85-96 monthsas low as 5.74%**$13.02 per $1,000
    97-120 monthsas low as 6.24%**$11.23 per $1,000
    121-180 Monthsas low as 6.74%**$8.85 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 member sets up auto pay from their Credit Union of Georgia Checking Account. Member will receive the promotional rate as long as auto pay is maintained from the members Checking Account.

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  • Home Loans
    Rates Effective as of: 06-25-2022

    Home Equity Loans
    70% or less Loan to Value

    Loan LengthAPR*Estimated Monthly Payment Per $1,000
    0-60 monthsas low as 3.24%$18.08 per $1,000
    61-120 monthsas low as 4.24%$10.24 per $1,000
    121-180 monthsas low as 5.24%$8.04 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, 4178 Jiles Road, Suite 100, Kennesaw, GA 30144, NMLS ID #571306.

    Rates Effective as of: 06-25-2022

    Home Equity Loans 70.01%-80.00% Loan to Value

    Loan LengthAPR*Estimated Monthly Payment Per $1,000
    0-60 monthsas low as 3.99%$18.42 per $1,000
    61-120 monthsas low as 5.24%$10.73 per $1,000
    121-180 monthsas low as 6.24% $8.57 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, 4178 Jiles Road, Suite 100, Kennesaw, GA 30144, NMLS ID #571306.

    Rates Effective as of: 06-25-2022

    Home Equity Loans 80.01%-90.00% Loan to Value

    Loan LengthAPR*Estimated Monthly Payment Per $1,000
    0-60 monthsas low as 4.74% $18.76 per $1,000
    61-120 monthsas low as 6.24% $11.23 per $1,000
    121-180 months as low as 7.24%$9.13 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, 4178 Jiles Road, Suite 100, Kennesaw, GA 30144, NMLS ID #571306.

    Rates Effective as of: 06-25-2022

    Home Equity Loans 90.01%-100.00% Loan to Value

    Loan LengthAPR*Estimated Monthly Payment Per $1,000
    0-60 monthsas low as 6.49%$19.57 per $1,000
    61-120 monthsas low as 8.74%$12.53 per $1,000
    121-180 monthsas low as 9.74%$10.59 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, 4178 Jiles Road, Suite 100, Kennesaw, GA 30144, NMLS ID #571306.

    Rates Effective as of: 06-25-2022

    Home Equity Lines of Credit (HELOC)

    Type of Loan APR*Estimated Monthly Payment Per $1,000
    70% or less LTV***as low as 4.50%**$7.64 per $1,000
    70.01%-80.00% or less LTV***as low as 4.75%**$7.77 per $1,000
    80.01% - 90.00% LTV*** as low as 5.75%**$8.29 per $1,000
    90.01%-100.00% LTV***as low as 9.25%**$10.26 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 4.00% as of 5/5/2022.
    ***Loan to Value.

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

    Rates Effective as of: 06-25-2022

    Land Loans

    Type of LoanAPR*Estimated Monthly Payment Per $1,000
    Land Loans as low as5.95%$8.42 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.

    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
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    Mortgage Payment Calculator

     

    Monthly Payment
    Property Tax: 167
    Homeowners Insurance: 100
    HOA Fee: 0
    Mortgage Insurance: 167
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    Advanced Options
  • Personal Loans
    Rates Effective as of: 06-25-2022

    Personal Loans

    Loan LengthAPR*Estimated Monthly Payment Per $1,000
    0 - 24 months as low as 8.24%$45.79 per $1,000
    25 - 36 monthsas low as 8.74%$32.02 per $1,000
    37 - 60 monthsas low as 9.24%$21.11 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. Rates advertised require members to set up auto pay from their Credit Union of Georgia Checking Account. 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: 06-25-2022

    True Line of Credit

    Loan LengthAPR*Estimated Monthly Payment Per $1,000
    0-48 months as low as 10.24%**$25.37 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 4.00% as of 5/5/2022.

    Rates Effective as of: 06-25-2022

    Deposit Secured

    Loan LengthAPR*Estimated Monthly Payment Per $1,000
    0 - 48 monthsas low as 2.99%$22.11 per $1,000
    49 - 84 monthsas low as 3.49%$13.42 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)