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Georgia's Own Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.15%5-year CD5 Year Interest Compounded Quarterly Certificate
0.76%1-year CD1 Year Interest Compounded Quarterly Certificate
0.18%SavingsResolution Savings

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 103rd largest credit union in the nation. It was established in 1934 and as of March of 2018, it had grown to 396 employees and 188,189 members at 19 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.

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.

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.

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Health

Health Grade Components

Overall
NCUA #67390
Year Chartered1934
Employees396
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.23%
Annual Interest Income$20.8MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$2.38B$2.23B
LoansQ1 2018vs Q1 2017$1.80B$1.71B
DepositsQ1 2018vs Q1 2017$1.99B$1.85B
Equity CapitalQ1 2018vs Q1 2017$232.2MM$226.7MM
Loan Loss AllowanceQ1 2018vs Q1 2017$25.7MM$19.3MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$7.4MM$6.4MM
Real Estate OwnedQ1 2018vs Q1 2017$0$0
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 Compounded Quarterly Certificate
OTHER TIERS: 1.00% $500 - $50k
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
0.76%*$50k*-1 Year Interest Credited Monthly Certificate
OTHER TIERS: 0.74% $500 - $50k
0.76%*$50k*-1 Year Interest Compounded Quarterly Certificate
OTHER TIERS: 0.74% $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
0.56%*$50k*-6 Month Interest Credited Monthly Certificate
OTHER TIERS: 0.55% $500 - $50k
0.56%*$50k*-6 Month Interest Compounded Quarterly Certificate
OTHER TIERS: 0.55% $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
0.76%*$50k*-1 Year Fixed IRA Certificate
OTHER TIERS: 0.74% $500 - $50k
0.65%*$50k*-2 Year Fixed IRA Certificate
OTHER TIERS: 0.62% $500 - $50k
0.35%*$50k*-18 Month Variable IRA Certificate
OTHER TIERS: 0.33% $500 - $50k
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