Georgia's Own Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.95% | 5-year CD | 5 Year CD |
| 0.77% | 1-year CD | 1 Year CD 2.45% - Synchrony Bank 12 Month CD |
| 0.18% | Savings | Regular Savings |
Georgia's Own Credit Union is headquartered in Atlanta and is the 3rd largest credit union in the state of Georgia. It is also the 107th largest credit union in the nation. It was established in 1934 and as of June of 2018, it had grown to 392 employees and 187,531 members at 19 locations. Georgia's Own Credit Union's money market rates are 48% higher than the national average, and it has an A health rating.
Field of Membership Restrictions
Membership in Georgia’s Own Credit Union is open to anyone through membership in the Getting Ahead Association ($5 annual dues). Membership is also open to the following: (1) those who live in Barrow, Chatham, Cherokee, Clayton, Cobb, Columbia, Dekalb, Douglas, Effingham, Fayette, Forsyth, Gwinnett, Fulton, Hall, Henry, Newton, Paulding, Richmond, Richmond, Rockdale or Walton Counties in Georgia; (2) faculty, staff, retirees, alumni or students of Georgia State University; (3) employees or retirees of AT&T, Charter Global Inc., and over 300 Select Employer Groups; (4) immediate family of those eligible.
See current membership details
Related Posts
Many years of excellent service!
I begin my relationship with Georgia's Own Credit Union back in 1998 when it used to be called Georgia Telco. At that time I was an employee of At&t in Augusta, GA. When I first signed up there was not a branch in the area so it was all done via mail or over the phone. However, even then the customer service was excellent. One example was when I was trying to open a savings account for my oldest daughter. I had to submit the paperwork to prove I was her mother and that she was in fact who she was, this was before verifying identity via the internet. Everyone was so helpful setting that up. Since then I have continued to have my savings account as well as my daughters and there is now a local branch in my area. I have always received great customer service when visiting the bank to add money to the savings accounts or when I was checking the balances. I will continue to have my savings accounts there for years to come.
Great banking experience
I've used a credit union for over 25 years now. The credit union I startd with was eventually bought by and merged with Georgias Own. It has been a fantastic experience. The first major benefit is that they have always been associated with my employer so there has always been a branch in the building that I've worked in. There's nothing more convenient that taking the elevator to the bank. I've had checking and savings accounts the entire time. The fees and interest rates are always better in the long run than the big commercial banks. I don't even remember the last time I paid any sort of fee. The have special accounts for minors also so I set up savings accounts for my kids before they even started school. Honestly, I don't know why someone would not choose a credit union given the opportunity.
A great local credit union
Georgia's Own Credit Union is a local credit union in Georgia. They offer many different services, as you would expect from a credit union. I initially was turned on to them by an auto salesman when I was purchasing my first vehicle. He let me know that they historically had the lowest rates of the banks and credit unions they work with. I ultimately ended up using them for my auto loan, and I used them for a bank as I was in college. Their rates were always great and the customer service was always satisfying. I will say that they were behind on technology, however. Overall, a great credit union to work with.
Georgia's Own Credit Union
I joined Georgia's Own Credit Union about 20 years ago hoping for good interest rates but their rates are about the same as most lending institutions. I also liked the fact that you didn't have to carry a minimum in your checking but they changed that a couple months ago and I never saw a notice about it and only realized it when I logged into my account.
Data as of Q2 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67390 |
| Year Chartered | 1934 |
| Employees | 392 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.69% |
| Return on Equity - YTD | 6.84% |
| Annual Interest Income | $42.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2018vs Q2 2017 | $2.34B$2.25B |
| Loans | Q2 2018vs Q2 2017 | $1.79B$1.79B |
| Deposits | Q2 2018vs Q2 2017 | $1.96B$1.83B |
| Equity Capital | Q2 2018vs Q2 2017 | $236.5MM$232.3MM |
| Loan Loss Allowance | Q2 2018vs Q2 2017 | $24.7MM$20.5MM |
| Unbacked Noncurrent Loans | Q2 2018vs Q2 2017 | $8.2MM$7.7MM |
| Real Estate Owned | Q2 2018vs Q2 2017 | $0$32.00K |
Always verify rates and promotions with the bank or credit union. We are not Georgia's Own Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Georgia's Own Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.18%* | $100k* | - | Regular Savings | ||
| OTHER TIERS: 0.10% → $5 - $50k | 0.13% → $50k - $100k | |||||
| 0.18%* | $100k* | - | Holiday Savings | ||
| OTHER TIERS: 0.10% → $5 - $50k | 0.13% → $50k - $100k | |||||
| 0.18%* | $100k* | - | I[save] Account | ||
| OTHER TIERS: 0.10% → $5 - $50k | 0.13% → $50k - $100k | |||||
| 0.18%* | $100k* | - | CoIndexter Club Savings | ||
| OTHER TIERS: 0.10% → $5 - $50k | 0.13% → $50k - $100k | |||||
| 0.18%* | $100k* | - | Club IRA | ||
| OTHER TIERS: 0.10% → $5 - $50k | 0.13% → $50k - $100k | |||||
| 0.18%* | $100k* | - | Resolution Savings | ||
| OTHER TIERS: 0.10% → $5 - $50k | 0.13% → $50k - $100k | |||||
| 0.18%* | $2k* | - | Business Savings | ||
| OTHER TIERS: 0.10% → $5 - $1k | 0.13% → $1k - $2k | |||||
| 0.02% | - | - | HSA Checking | ||
Georgia's Own Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.70%* | $1m* | - | Preferred Business Money Market | ||
| OTHER TIERS: 0.40% → Up to $100k | 0.50% → $100k - $250k | 0.60% → $250k - $500k | 0.65% → $500k - $1m | |||||
| 0.65%* | $1m* | - | Money Market Account | ||
| OTHER TIERS: 0.30% → $2.5k - $10k | 0.35% → $10k - $25k | 0.40% → $25k - $50k | 0.45% → $50k - $100k | 0.50% → $100k - $250k | 0.55% → $250k - $500k | 0.57% → $500k - $1m | |||||
| 0.37%* | $100k* | - | Business Money Market | ||
| OTHER TIERS: 0.30% → $2.5k - $25k | 0.33% → $25k - $50k | 0.35% → $50k - $100k | |||||
Georgia's Own Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.15%* | $25k* | - | Preferred Business Checking | ||
| OTHER TIERS: 0.02% → Up to $1.5k | 0.03% → $1.5k - $2.5k | 0.05% → $2.5k - $10k | 0.12% → $10k - $25k | |||||
| 0.05%* | $2.5k* | - | Perks+ Checking | ||
| OTHER TIERS: 0.02% → Up to $1.5k | 0.03% → $1.5k - $2.5k | |||||
| 0.02% | - | - | All Access Checking | ||
| 0.02% | - | - | Golden Bell Checking | ||
| 0.02% | - | - | i[check] Account | ||
Georgia's Own Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.95%* | $50k* | - | 5 Year CD | ||
| OTHER TIERS: 1.90% → $500 - $50k | |||||
| 1.40%* | $50k* | - | 4 Year CD | ||
| OTHER TIERS: 1.35% → $500 - $50k | |||||
| 1.35%* | $50k* | - | 3 Year CD | ||
| OTHER TIERS: 1.30% → $500 - $50k | |||||
| 1.20% | $500 | - | 44 Month Own Your Rate Savings CD | ||
| 1.18%* | $50k* | - | 2 Year CD | ||
| OTHER TIERS: 1.15% → $500 - $50k | |||||
| 1.02%* | $50k* | - | 2 Year Business CD | ||
| OTHER TIERS: 1.00% → $500 - $50k | |||||
| 0.95% | $500 | - | 22 Month Own Your Rate Savings CD | ||
| 0.77%* | $50k* | - | 1 Year CD | ||
| OTHER TIERS: 0.75% → $500 - $50k | |||||
| 0.77%* | $50k* | - | 1 Year Business CD | ||
| OTHER TIERS: 0.75% → $500 - $50k | |||||
| 0.56%* | $50k* | - | 6 Month CD | ||
| OTHER TIERS: 0.55% → $500 - $50k | |||||
| 0.56%* | $50k* | - | 6 Month Business CD | ||
| OTHER TIERS: 0.55% → $500 - $50k | |||||
Georgia's Own Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.95%* | $50k* | - | 5 Year IRA | ||
| OTHER TIERS: 1.90% → $500 - $50k | |||||
| 1.40%* | $50k* | - | 4 Year IRA | ||
| OTHER TIERS: 1.35% → $500 - $50k | |||||
| 1.35%* | $50k* | - | 3 Year IRA | ||
| OTHER TIERS: 1.30% → $500 - $50k | |||||
| 1.18%* | $75k* | - | 2 Year IRA | ||
| OTHER TIERS: 1.13% → $500 - $10k | 1.15% → $10k - $75k | |||||
| 0.77%* | $50k* | - | 1 Year IRA | ||
| OTHER TIERS: 0.75% → $500 - $50k | |||||
| 0.35%* | $50k* | - | 18 Month IRA | ||
| OTHER TIERS: 0.33% → $500 - $50k | |||||
