Featured Savings Rates
Featured Accounts

Georgia's Own Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.05%5-year CD55 Month Own Your Rate Savings Certificate
0.45%1-year CD1 Year Interest Compounded Quarterly Certificate
0.18%SavingsResolution Savings

Overview / Commentary
404-874-0777
1155 Peachtree St NE Ste 400 Suite 400
Atlanta, GA 30309-3600

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 102nd largest credit union in the nation. It was established in 1934 and as of June of 2017, it had grown to 386 employees and 188,269 members at 20 locations. Georgia's Own Credit Union 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

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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.

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.

No fees/ Free Checking!

Posted by: jess10886 | Sep 6, 2014

I used to do business with a large bank chain, but was getting charged for my checking accounts. A little here and there, but it all adds up. I switched to Georgia's Own Credit Union and have never been charged for anything. The staff are always helpful and friendly when I have to visit a branch. There are multiple branches around town that can be of convenience to everyone. The only downside of it being a credit union is there is a drive through branch that you can go to to withdraw or deposit money after hours. You can only go when they are actually open and you have to go inside to visit one of the tellers. I've never had any problems with my banking. I can call 24/7 with questions or concerns or send a message through the customer website. The company if very efficient in getting back to me in a timely manner.

This Credit Union Stinks

Posted by: Jay Byrd | Mar 14, 2017

Terrible credit union! I made a deposit in the night deposit box to my business account. Did not credit it to my account over 24 hours later. Called to ask them why, and of course no one answered the phone, and no one called me back.

STAY AWAY FROM HERE!!!!!!

VIEW MORE REVIEWS

Health

Health Grade Components

Overall
NCUA #67390
Year Chartered1934
Employees386
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD5.6%
Annual Interest Income$37.4MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$2.25B$2.06B
LoansQ2 2017vs Q2 2016$1.79B$1.59B
DepositsQ2 2017vs Q2 2016$1.83B$1.74B
Equity CapitalQ2 2017vs Q2 2016$232.3MM$207.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$20.5MM$16.8MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$7.7MM$6.2MM
Real Estate OwnedQ2 2017vs Q2 2016$32.00K$91.00K
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.18%*$100k*-Regular Savings Account
OTHER TIERS: 0.10% Up to $50k | 0.13% $50k - $100k
0.18%*$100k*-Holiday Savings Account
OTHER TIERS: 0.10% Up to $50k | 0.13% $50k - $100k
0.18%*$100k*-i[save] Account
OTHER TIERS: 0.10% Up to $50k | 0.13% $50k - $100k
0.18%*$100k*-Coindexter Club Savings
OTHER TIERS: 0.10% Up to $50k | 0.13% $50k - $100k
0.18%*$100k*-Club IRA
OTHER TIERS: 0.10% Up to $50k | 0.13% $50k - $100k
0.18%*$100k*-Resolution Savings
OTHER TIERS: 0.10% Up to $50k | 0.13% $50k - $100k
0.02%--HSA Checking

Georgia's Own Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.48%*$1m*-Money Market
OTHER TIERS: 0.30% $2,500 - $25k | 0.33% $25k - $50k | 0.35% $50k - $100k | 0.37% $100k - $250k | 0.45% $250k - $1mm

Georgia's Own Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$2,500*-Perks+ Checking
OTHER TIERS: 0.02% Up to $1,500 | 0.03% $1,500 - $2,500
0.02%--All Access Checking Account
0.02%--Golden Bell Checking Account
0.02%--i[check] Account

Georgia's Own Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%*$50k*-5 Year Interest Credited Monthly Certificate
OTHER TIERS: 1.10% $500 - $50k
1.15%*$50k*-5 Year Interest Compounded Quarterly Certificate
OTHER TIERS: 1.10% $500 - $50k
1.05%*$50k*-4 Year Interest Credited Monthly Certificate
OTHER TIERS: 1.00% $500 - $50k
1.05%*$50k*-4 Year Interest Compounded Quarterly Certificate
OTHER TIERS: 1.00% $500 - $50k
1.05%$500-55 Month Own Your Rate Savings Certificate
0.95%$500-44 Month Own Your Rate Savings Certificate
0.90%*$50k*-3 Year Interest Credited Monthly Certificate
OTHER TIERS: 0.85% $500 - $50k
0.90%*$50k*-3 Year Interest Compounded Quarterly Certificate
OTHER TIERS: 0.85% $500 - $50k
0.82%$500-33 Month Own Your Rate Savings Certificate
0.75%*$50k*-30 Month Interest Credited Monthly Certificate
OTHER TIERS: 0.72% $500 - $50k
0.75%*$50k*-30 Month Interest Compounded Quarterly Certificate
OTHER TIERS: 0.72% $500 - $50k
0.65%*$50k*-2 Year Interest Credited Monthly Certificate
OTHER TIERS: 0.62% $500 - $50k
0.65%*$50k*-2 Year Interest Compounded Quarterly Certificate
OTHER TIERS: 0.62% $500 - $50k
0.60%$500-22 Month Own Your Rate Savings Certificate
0.45%*$50k*-1 Year Interest Credited Monthly Certificate
OTHER TIERS: 0.43% $500 - $50k
0.45%*$50k*-1 Year Interest Credited At Maturity Certificate
OTHER TIERS: 0.43% $500 - $50k
0.45%*$50k*-1 Year Interest Compounded Quarterly Certificate
OTHER TIERS: 0.43% $500 - $50k
0.30%*$50k*-6 Month Interest Credited Monthly Certificate
OTHER TIERS: 0.29% $500 - $50k
0.30%*$50k*-6 Month Interest Credited At Maturity Certificate
OTHER TIERS: 0.29% $500 - $50k
0.30%*$50k*-6 Month Interest Compounded Quarterly Certificate
OTHER TIERS: 0.29% $500 - $50k

Georgia's Own Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%*$50k*-5 Year Fixed IRA Certificate
OTHER TIERS: 1.10% $500 - $50k
1.05%*$50k*-4 Year Fixed IRA Certificate
OTHER TIERS: 1.00% $500 - $50k
0.90%*$50k*-3 Year Fixed IRA Certificate
OTHER TIERS: 0.85% $500 - $50k
0.75%*$50k*-30 Month Fixed IRA Certificate
OTHER TIERS: 0.72% $500 - $50k
0.65%*$50k*-2 Year Fixed IRA Certificate
OTHER TIERS: 0.62% $500 - $50k
0.45%*$50k*-1 Year Fixed IRA Certificate
OTHER TIERS: 0.43% $500 - $50k
0.35%*$50k*-18 Month Variable IRA Certificate
OTHER TIERS: 0.33% $500 - $50k
Locations

Availability