Georgia's Own Credit Union


Overview / Commentary
404-874-0777
1155 Peachtree St NE Ste 600
Atlanta, GA 30309

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 111th largest credit union in the nation. It was established in 1934 and as of June of 2019, it had grown to 401 employees and 183,940 members at 19 locations. Georgia's Own Credit Union's money market rates are 2X 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

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SHARON's OWN CREDIT UNION

 

This credit union is excellent. The customer service is great and they treat you like a person and not a number. I previsouly banked with Trust Company and after 23 years, they put some money in my account in error. I was unaware of it because I had several automatic wire transfers going into my account, child support, payroll, and I had loaned a girl friend some money to pay for her daughter's wedding and she was wiring me money as well, plus some back monies from a law suit from my x-husband. Long story short. 6 months after their error, they froze my monies and I didn't know what was going on.  I called them to find out what was happening with my account and I quote" YOU KNEW THAT MONEY WAS NOT YOURS AND YOU DIDN'T CALL THE BANK TO REPORT IT. MS. THIS IS CRIMINAL AND YOU ARE A CRIMINAL. I couldn't believe what I had just heard and nearly drove off the road because I was in total shock.

 I transferred to Bank of America and had been with them for 11 years. I needed  $6500 for tuition for my son's college education. I had a credit card in good standing with BOA, a saving accout and 3 checking accounts. I went to the  Branch in down town Atlanta, and asked could I used my car title "2010 paid for automoble for collateral to get the monies. I was blakely told a strong No. We don't do "those type loans", She asked did I have any equity in my home. Really, now who has equity in their home these days. Not many. I said no, but the car title should be sufficient because of the value of the vehicle. She said no, we can't help you. Good Luck. Oh by the way my credit score was 805. The loan officer never even pulled up one of my accounts. Had I not paid for the car out right, I wouldn't needed the loan.

Now to Georgia's Own- My saving grace. A close friend told me about the credit union. He told me to go on line and apply. I was skeptical because I didn't have an account there. I opened a account for $5.00 I mean literally with $5.00, and I had over $10,000 in BOA. Then I filled out a loan application. The application was approved that same day!!!!!!!!!!!!!!!!!!! I couldn't believe it. I went into the bank a couple of days later and the loan officer at the Georgia State Branch was so kind to me. I shared my story with her and she said that they were glad that they could help me and my son out at this time. Needless to say I am done with Big Banks who treat you like a little piece of trash.

 

THANK YOU GEORGIA'S OWN CREDIT UNION!!

I CALL YOU SHARON'S OWN CREDIT UNION, AND HIGHLY RECOMMEND YOU TO EVERYONE I KNOW.


 

Great banking experience

Posted by: Maurestic | Dec 7, 2017

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.

Website And CD Rates

I was not able to display their website using Internet Explorer. I was able to using FireFox. Their CD rates can be found here:
https://www.georgiasown.org/personal-account-rates-service-fees/

I do not know why they are not listed at Deposit Accounts.

The Worst Bank

Posted by: jbagby45 | Jul 9, 2019

The absolute worst customer experience I have ever experienced. From the moment I stepped foot in one of their branches, I should've walked away and never looked back. The branch service and knowledge of products is a joke. Their 1-800 # is even worse. I've tried no less than 5 times to get through to someone to ask a simple questions and the call either drops, is routed through to the wrong department via the auto-attendant, then transferred three more times, then transferred to a call back feature to hold my place in line only to never receive a call back. I have re-fi'd my existing HELOC loan with them to an inferior product on paper just to get away from this bank. The Dept of Banking and Finance should shut this place down.

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Health

Health Grade Components

Overall
NCUA #67390
Year Chartered1934
Employees401
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD8.53%
Annual Interest Income$49.2MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$2.46B$2.34B
LoansQ2 2019vs Q2 2018$1.95B$1.79B
DepositsQ2 2019vs Q2 2018$2.04B$1.96B
Equity CapitalQ2 2019vs Q2 2018$266.5MM$236.5MM
Loan Loss AllowanceQ2 2019vs Q2 2018$12.3MM$24.7MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$6.0MM$8.2MM
Real Estate OwnedQ2 2019vs Q2 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%*-$250kMoney Market Index Account w/ Checking - New Money Only
OTHER TIERS: 0.60% $250k+
1.40%*-$250kBusiness Money Market Index Account w/ Checking - New Money Only
OTHER TIERS: 0.60% $250k+
1.08%*$1m*-Money Market Account
OTHER TIERS: 0.60% $2.5k - $10k | 0.70% $10k - $25k | 0.80% $25k - $50k | 0.85% $50k - $100k | 0.93% $100k - $250k | 0.98% $250k - $500k | 1.00% $500k - $1m
0.93%*$100k*-Business Money Market
OTHER TIERS: 0.60% $2.5k - $10k | 0.70% $10k - $25k | 0.80% $25k - $50k | 0.85% $50k - $100k

Georgia's Own Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$10k*-Preferred Business Checking
OTHER TIERS: 0.02% Up to $1.5k | 0.03% $1.5k - $2.5k | 0.05% $2.5k - $10k
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%$500-5 Year CD
1.81%$500-4 Year CD
1.80%$500-3 Year CD
1.80%$500-Business 2 Year CD
1.80%$500-2 Year CD
1.60%$500-1 Year CD
1.60%$500-Business 1 Year CD
1.40%$500-44 Month Own Your Rate Savings CD
1.12%$500-22 Month Own Your Rate Savings CD
1.05%$500-6 Month CD
1.05%$500-Business 6 Month CD

Georgia's Own Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%$500-5 Year IRA
1.81%$500-4 Year IRA
1.80%$500-2 Year IRA
1.80%$500-3 Year IRA
1.71%$500-18 Month IRA
1.60%$500-1 Year IRA
Locations

Availability

Atlanta Area

Interactive local rates map


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