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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 101st largest credit union in the nation. It was established in 1934 and as of December of 2016, it had grown to 397 employees and 186,028 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

Related Posts

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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.


 

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!!!!!!

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Health

Health Grade Components

Overall
NCUA #67390
Year Chartered1934
Employees397
Primary Regulator
Profit Margin
Return on Assets - YTD0.38%
Return on Equity - YTD3.62%
Annual Interest Income$68.1MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$2.14B$2.05B
LoansQ4 2016vs Q4 2015$1.68B$1.59B
DepositsQ4 2016vs Q4 2015$1.76B$1.69B
Equity CapitalQ4 2016vs Q4 2015$222.6MM$198.9MM
Loan Loss AllowanceQ4 2016vs Q4 2015$19.1MM$15.4MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$7.1MM$7.0MM
Real Estate OwnedQ4 2016vs Q4 2015$71.00K$236.00K
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 Individual Retirement 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*-Club Roth IRA
OTHER TIERS: 0.10% Up to $50k | 0.13% $50k - $100k
0.18%*$100k*-Club Education 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
0.05%--HSA Checking

Georgia's Own Credit Union Money Market Rates

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

Georgia's Own Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--All Access Checking Account
0.05%--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

Georgia's Own Credit Union has 20 locations. Click to view all Georgia's Own Credit Union locations.