Georgia's Own Credit Union

P.O. Box 105205
Atlanta, GA 303485205
1-800-533-2062
www.georgiasown.org

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Georgia's Own Credit Union is headquartered in ATLANTA and is the 3^rd largest credit union in the state of Georgia. It is also the 83^rd largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 335 employees and 182,585 members. Georgia's Own Credit Union's savings rates are 4X the national average, and it boasts a 5-star health rating.

2.35% 36-Month CD & 2.01% 24-Month CD At Georgia's Own CU In Atlanta (Forum) - 7/25/2010

Georgia's Own Credit Union has some competitive mid-term and long-term CD and IRA CD rates as of 7/25/2010: 2.01% APY 24-month CD 2.20% APY 30-month CD 2.35% APY 36-month CD 2.55% APY 48-month CD 2.85% APY 60-month CD The above rates assume quart

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See Rates for: Checking | Savings | Money Market | CD | IRA

Georgia's Own Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	-	-	All Access Checking Account
0.15%	-	-	Golden Bell Checking Account
0.15%	-	-	i[check] Account

Georgia's Own Credit Union Savings Account Rates

Apy	Min	Max	Product
2.00%	-	-	Health Savings Account
0.25%	-	-	Regular Savings Account
0.25%	-	-	Holiday Savings Account
0.25%	-	-	Golden Bell Savings Account
0.25%	-	-	i[save] Account
0.25%	-	-	Coindexter Club Savings
0.25%	-	-	Club Individual Retirement Savings
0.25%	-	-	Club IRA
0.25%	-	-	Club Roth IRA
0.25%	-	-	Club Education IRA

Georgia's Own Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$1m	-	Money Market

Georgia's Own Credit Union CD Rates

Apy	Min	Max	Product
1.35%	$500	-	5 Year Interest Credited Monthly Certificate
1.35%	$500	-	5 Year Interest Compounded Quarterly Certificate
1.11%	$500	-	4 Year Interest Credited Monthly Certificate
1.11%	$500	-	4 Year Interest Compounded Quarterly Certificate
0.90%	$500	-	3 Year Interest Credited Monthly Certificate
0.90%	$500	-	3 Year Interest Compounded Quarterly Certificate
0.70%	$500	-	30 Month Interest Credited Monthly Certificate
0.70%	$500	-	30 Month Interest Compounded Quarterly Certificate
0.60%	$500	-	2 Year Interest Credited Monthly Certificate
0.60%	$500	-	2 Year Interest Compounded Quarterly Certificate
0.40%	$500	-	1 Year Interest Credited Monthly Certificate
0.40%	$500	-	1 Year Interest Credited At Maturity Certificate
0.40%	$500	-	1 Year Interest Compounded Quarterly Certificate
0.20%	$500	-	6 Month Interest Credited Monthly Certificate
0.20%	$500	-	6 Month Interest Credited At Maturity Certificate
0.20%	$500	-	6 Month Interest Compounded Quarterly Certificate

Georgia's Own Credit Union IRA Rates

Apy	Min	Max	Product
1.35%	$500	-	5 Year Fixed IRA Certificate
1.35%	$500	-	5 Year Fixed Roth IRA Certificate
1.35%	$500	-	5 Year Fixed Education IRA Certificate
1.11%	$500	-	4 Year Fixed IRA Certificate
1.11%	$500	-	4 Year Fixed Roth IRA Certificate
1.11%	$500	-	4 Year Fixed Education IRA Certificate
0.90%	$500	-	3 Year Fixed IRA Certificate
0.90%	$500	-	3 Year Fixed Roth IRA Certificate
0.90%	$500	-	3 Year Fixed Education IRA Certificate
0.70%	$500	-	30 Month Fixed IRA Certificate
0.70%	$500	-	30 Month Fixed Roth IRA Certificate
0.70%	$500	-	30 Month Fixed Education IRA Certificate
0.60%	$500	-	2 Year Fixed IRA Certificate
0.60%	$500	-	2 Year Fixed Roth IRA Certificate
0.60%	$500	-	2 Year Fixed Education IRA Certificate
0.40%	$500	-	1 Year Fixed IRA Certificate
0.40%	$500	-	1 Year Fixed Roth IRA Certificate
0.40%	$500	-	1 Year Fixed Education IRA Certificate
0.25%	$500	-	18 Month Variable IRA Certificate
0.25%	$500	-	18 Month Variable Roth IRA Certificate
0.25%	$500	-	18 Month Variable Education IRA Certificate

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

GEORGIA'S OWN
NCUA #	67390
BankRate Report	View
Year Chartered	1934
Employees	335
Primary Regulator
Assets and Liabilities
Assets	$1.66 billion
Loans	$1.11 billion
Deposits	$1.47 billion
Equity Capital	$166.43 million
Loan Loss Allowance	$13.34 million
Unbacked Noncurrent Loans	$12.30 million
Real Estate Owned	$1.47 million
Historic Data - December 2010
Assets	$1.61 billion
Equity Capital	$162.28 million
Loan Loss Allowance	$13.95 million
Unbacked Noncurrent Loans	$15.56 million
Real Estate Owned	$1.07 million
Profit Margin - Quarterly
Net Interest Margin	4.87%
Return on Assets	0.47%
Return on Equity	4.71%
Interest Income	$62.81 million
Non-Interest Income	$23.27 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Georgia's Own Credit Union had $13.78 million in non-current loans and owned real-estate with $179.76 million in equity and loan loss allowances on hand to cover it. This gives Georgia's Own Credit Union a Texas Ratio of 7.66% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Georgia's Own Credit Union decreased slightly from 9.43% as of December 31, 2010 to 7.66% as of December 31, 2011, resulting in a positive change of 18.77%.This indicates that the balance sheet and financial strength for Georgia's Own Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Georgia's Own Credit Union has increased its total deposits by $45.57 million, resulting in 3.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Georgia's Own Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Georgia's Own Credit Union has $1.66 billion in assets with $179.76 million in equity, resulting in a capitalization level of 10.81%, which is above average.