• Savings

    savings

Our various Savings options provide a solution for every need. So dream small, dream medium, or dream big, but talk to us today about the best fit for you!

Savings Choices

  • Prime Share Membership Savings
  • Sterling Fund Money Market
  • You Name it Savings – a secondary share that can be “named” whatever the member chooses, e.g. “Wedding Fund”
  • Christmas Club
  • Vacation Club
  • IRA’s (Individual Retirement Accounts)
    • IRA Share Savings (rates comparable to regular Savings rates)
    • IRA CD’s (rates comparable to regular CD rates)
  • Budgeting Tools
  • Savings Calculators
  • Home Budget Analysis Calculator

Share Savings (required for Membership)

Our basic account, with features way “beyond” the basics.

Georgia United pays our members higher dividends than comparable savings accounts at other financial institutions. With 3 different balance tiers, your dividend rate increases as your balance increases – adding more to your bottom line! Prime share accounts allow members to keep their money in a safe place while only requiring a low $5.00 minimum balance.*
See all the benefits of signing up for this membership account below and let us help you start a rewarding financial journey with Georgia United Credit Union! How may we serve you?

  • Prime share is a requirement of membership with Georgia United.
  • Fully functional savings account, with interest earning potential.
  • Interest is compounded and paid quarterly on an average daily balance of $100 or more
  • No monthly maintenance fee for membership.*
  • Online banking
  • Instant Access and E-Alerts are available to members 24 hours a day, seven days a week.
  • ATM Card available and all ATM transactions performed at any Georgia United ATM machine are FREE.
  • Swift Deposit and Mobile Banking eligible
  • E-Statements available
  • Two free withdrawals from the teller window allowed per month.
  • The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRA’s are insured separately to $250,000.
  • Co-Op Shared Branch transactions allowed (standard shared branch and savings withdrawal rules apply).
  • Allows members to apply for any other products or services such as checking accounts and loan products.

*Account must be kept active; $5.00 minimum balance required at all times to avoid service charges.

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Sterling Fund Money Market Account

The advantages of a Savings account with the benefits of a Checking account, rolled into one.

Set up like a traditional Money Market Account, our insured Sterling Fund allows you to earn competitive returns from the date of deposit to the date of withdrawal. This liquid account provides members with a safe investment, which offers a higher dividend earning potential than Share Accounts. We offer different tiers so that you earn more as your balance increases. This account allows you to access your funds up to three times per month with no service charges ($1,000 minimum deposit required.)

  • To avoid a service charge, members must maintain a minimum daily balance of $1,000
  • Members receive 3 free withdrawals per month
  • Checks Available (withdrawal restrictions apply)
  • Monitor your savings with Free Online Banking, Instant Access and E-Alerts are available to members 24 hours a day, seven days a week.
  • Swift Deposit and Mobile Banking eligible
  • E-Statements available
  • Budgeting tools available
  • Payroll deduction available for qualified members
  • Set up scheduled transfers to reach your savings goals faster!
  • The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRA’s are insured separately to $250,000.
  • Co-Op Shared Branch transactions allowed (standard shared branch and savings withdrawal rules apply).
Take advantage of our Sterling Fund Money Market Account today. Another way Georgia United Credit Union provides the tools to ensure our members’ financial success!

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“You Name It” Savings

Our “customizable” savings account, with a title you create based on your specific goals.

Set up and save! Tell us what you're saving for, and that's what we’ll call your account. Your customized savings goal will appear as the title of your savings statement.

  • To open this account, members must also have a Basic Share Savings
  • Must maintain a $5 minimum deposit
  • Must maintain an average balance of $100 or more to earn dividends
  • Members receive two free withdrawals per month
  • Online banking Instant Access and E-Alerts are available to members 24 hours a day, seven days a week.
  • Swift Deposit and Mobile Banking eligible
  • E-Statements available
  • Budgeting tools available
  • The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRA’s are insured separately to $250,000.
  • Co-Op Shared Branch transactions allowed (standard shared branch and savings withdrawal rules apply).

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Christmas Club Account

The easiest way to save for those holiday expenses.

When it comes to Christmas shopping, a little advanced planning goes a long way. Save a little all year long and help cushion the “shock” of holiday shopping expenses. The money you save is automatically deposited into your share savings account on November 1.

  • Must maintain a $5 minimum deposit
  • Must maintain a $25 minimum balance for dividends
  • Unlimited Withdrawals during November through January 1st ($5.00 fee applies for additional withdrawals the rest of the year)
  • Online banking, Instant Access and E-Alerts are available to members 24 hours a day, seven days a week.
  • Swift Deposit and Mobile Banking eligible
  • E-Statements available
  • Budgeting tools available
  • Payroll deduction available for qualified members
  • Set up scheduled transfers to reach your holiday goals faster!
  • The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRA’s are insured separately to $250,000.
  • Co-Op Shared Branch transactions allowed (standard shared branch and savings withdrawal rules apply).

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Vacation Club Account

We’ll help you set a little aside to make that dream vacation a reality.

Georgia United can help you make your jet-setting dreams a reality with a Vacation Club account. Save at your own pace and earn dividends while you plan your perfect getaway.

  • Must maintain a $5 minimum deposit (to avoid a service charge)
  • Must maintain a $100 minimum balance for dividends
  • 1 Withdrawal (free of charge) each quarter (fee applies for additional quarterly withdrawals)
  • Online banking, Instant Access and E-Alerts are available to members 24 hours a day, seven days a week.
  • Swift Deposit and Mobile Banking eligible
  • E-Statements available
  • Budgeting tools available
  • Payroll deduction available for qualified members
  • Set up scheduled transfers to reach your vacation goals faster!
  • The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRA’s are insured separately to $250,000.
  • Co-Op Shared Branch transactions allowed (standard shared branch and savings withdrawal rules apply).

Open a New Account

Roth or Traditional 401(k) Retirement Accounts*

Not sure whether you’d most benefit from a Roth or Traditional 401(k)? Both options can be an effective retirement savings tool. With a Roth 401(k), you contribute to your 401(k) account on an after-tax basis—and pay no taxes on qualifying distributions when the money is withdrawn. With a Traditional 401(k), deposits are made on a pre-tax basis but are subject to taxes when the money is withdrawn. The handy calculator below can help you determine which option is best for you.

* This section is intended to provide basic information regarding Roth & Traditional 401(k) Retirement Accounts. These accounts are not provided by Georgia United Credit Union. Roth & Traditional 401(k) Retirement Accounts are not insured by The National Credit Union Administration (NCUA). Please speak with your employer and a qualified tax professional regarding further information on these accounts.

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Savings Calculators

It doesn’t have to be complicated. Our calculators make it easy to know how to save.

Ever dream of backstroking through a pile of $100 bills? Okay, maybe that’s a bit much, but studies do show that making consistent investments over a number of years is an effective strategy to accumulate wealth. Even small additions to your savings add up over time. With these calculators, figure out how to make this savings strategy work for you! Make tough financial decisions a bit easier with Georgia United Credit Union’s Retirement and Investment options.

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Individual Retirement Accounts (IRA’s) and IRA Certificates*

Georgia United Credit Union provides effective ways to save for retirement, each with different tax benefits to suit your specific need.

For your long-term retirement savings needs, you may also want to consider an IRA or an IRA CD with Georgia United. We offer Traditional, Roth and Education IRA’s, which may provide you with additional tax benefits. For details, contact one of our Financial Services Representatives or your Tax Advisor.

*The National Credit Union Administration (NCUA) insures IRA’s up to $250,000.