Georgia's Own Credit Union is headquartered in Atlanta and is the 2nd largest credit union in the state of Georgia. It is also the 88th largest credit union in the nation. It was established in 1934 and as of June of 2023, it had grown to 653 employees and 240,324 members at 34 locations. Georgia's Own Credit Union's money market rates are 6X the national average, and it has a B health rating.
Field of Membership Restrictions
Membership in Georgia’s Own Credit Union is open to all Georgia residents through membership in the Georgia's Own Foundation ($10 one-time fee) or the Getting Ahead Association ($5 annual dues). Membership is also open to those who live or work in the Georgia counties of Appling, Atkinson, Bacon, Baker, Barrow, Bartow, Ben Hill, Bleckley, Brantley, Brooks, Calhoun, Camden, Carroll, Chatham, Cherokee, Clarke, Clay, Clayton, Clinch, Cobb, Coffee, Colquitt, Columbia, Coweta, Crisp, Decatur, Dekalb, Dodge, Dougherty, Douglas, Early, Effingham, Fayette, Forsyth, Fulton, Glynn, Gwinnett, Hall, Henry, Jeff Davis, Laurens, Lee, Lowndes, McIntosh, Meriwether, Mitchell, Newton, Paulding, Pierce, Pulaski, Quitman, Randolph, Richmond, Rockdale, Spalding, Sumter, Stephens, Stewart, Telfair, Terrell, Thomas, Tift, Walton, Ware, Wayne, Webster, Wheeler, Wilcox, or Worth. Faculty, staff, retirees, alumni or students of Georgia State University are eligible for membership, as are employees or retirees of AT&T, Charter Global Inc., and more than 900 Select Employer Groups. Family members of current Georgia's Own Credit Union members are eligible to join.
See current membership details
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No fees/ Free Checking!
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.
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.
Really, Really Bad
As others have commented it is a really bad credit union with awful, arrogant and rude customer service that will do anything to keep you away. I guess this is why they are called "Georgia's Own", they want to serve only themselves. Stay away.
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.
Data as of Q2 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67390 |
| Year Chartered | 1934 |
| Employees | 653 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.51% |
| Return on Equity - YTD | 7.14% |
| Annual Interest Income | $113.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2023vs Q2 2022 | $4.56B$3.58B |
| Loans | Q2 2023vs Q2 2022 | $3.46B$2.66B |
| Deposits | Q2 2023vs Q2 2022 | $3.59B$3.07B |
| Equity Capital | Q2 2023vs Q2 2022 | $329.6MM$279.9MM |
| Loan Loss Allowance | Q2 2023vs Q2 2022 | $0$31.7MM |
| Unbacked Noncurrent Loans | Q2 2023vs Q2 2022 | $40.2MM$9.7MM |
| Real Estate Owned | Q2 2023vs Q2 2022 | $0$0 |
