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Georgia's Own Credit Union


Overview / Commentary
www.georgiasown.org
404-874-1166
100 Peachtree St. Suite 2800
Atlanta, GA 30303

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 104th largest credit union in the nation. It was established in 1934 and as of June of 2020, it had grown to 505 employees and 202,599 members at 19 locations. Georgia's Own Credit Union's money market rates are 59% higher than the national average, and it has an A 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 the following: (1) those who live or work in Baker, Barrow, Bartow, Brooks, Calhoun, Carroll, Chatham, Cherokee, Clarke, Clay, Clayton, Cobb, Colquitt, Columbia, Coweta, Crisp, Dekalb, Dougherty, Douglas, Early, Effingham, Fayette, Forsyth, Fulton, Gwinnett, Hall, Henry, Lee, Lowndes, Meriwether, Mitchell, Newton, Paulding, Quitman, Randolph, Richmond, Rockdale, Spalding, Sumter, Stephens, Stewart, Terrell, Thomas, Tift, Walton, Webster, or Worth 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 more than 900 Select Employer Groups; (4) family members of current members.
See current membership details

Related Posts

$200 Checking Bonus At Georgia's Own Credit Union - 7/9/2020

Georgia's Own Credit Union is currently offering a $200 bonus when opening a new Perks+ Checking account, now through August 31, 2020.

Georgia's Own Credit Union CDs Remain Competitive - 7/3/2020

Georgia's Own Credit Union's CDs remain competitive: the 2-, 3-, 4-, and 5-year CD APYs rank near or at the top of their respective term-length categories.

Deal Review - 18 Month IRA Share Certificate - 6/5/2020

Subtitle "Killer Deal" Redefined This certificate is the apparent nationally available IRA 18 month term rate leader at the time this is being written (1.71% APY) This is an unusual certificate. The rate is not fixed, but is subject to change monthly throughout the 18 month term. It's a variable rate savings account disguised as a CD but without the liquidity. In my estimation, strike #1-10. They do a hard pull when you apply for membership. In my estimation, strike #11-15. They will not accept IRA funding by wire, In my estimation, strike #16. They charge a $25 fee for transferring the IRA to another FI upon maturity. strike #16.5 "You are outa hea!"

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Reviews (17)

SHARON's OWN CREDIT UNION

Posted by: |

 

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.


 

6

No fees/ Free Checking!

Posted by: |

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.

3

Website And CD Rates

Posted by: |

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.

2

Really, Really Bad

Posted by: |

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.

4
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Health
A

Data as of Q2 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #67390
Year Chartered1934
Employees505
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD5.91%
Annual Interest Income$52.5MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$3.06B$2.46B
LoansQ2 2020vs Q2 2019$2.11B$1.95B
DepositsQ2 2020vs Q2 2019$2.50B$2.04B
Equity CapitalQ2 2020vs Q2 2019$304.6MM$266.5MM
Loan Loss AllowanceQ2 2020vs Q2 2019$16.7MM$12.3MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$20.0MM$6.0MM
Real Estate OwnedQ2 2020vs Q2 2019$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
0.80%*$100k*-Business Money Market
OTHER TIERS: 0.50% → $2.5k - $10k | 0.60% → $10k - $25k | 0.70% → $25k - $50k | 0.75% → $50k - $100k
0.70%*$500k*-Money Market Account
OTHER TIERS: 0.35% → $2.5k - $10k | 0.45% → $10k - $50k | 0.50% → $50k - $100k | 0.55% → $100k - $250k | 0.62% → $250k - $500k
0.60%*$250k*-Business Money Market Index Account w/ Checking - New Money Only
OTHER TIERS: 0.02% → Up to $250k
0.60%*$250k*-Money Market Index Account w/ Checking - New Money Only
OTHER TIERS: 0.02% → Up to $250k

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
1.33%*$50k*-Business 2 Year CD
OTHER TIERS: 1.30% → $500 - $50k
1.20%$500-5 Year CD
1.20%$500-4 Year CD
1.14%$500-44 Month Own Your Rate Savings CD
1.10%$500-3 Year CD
1.00%$500-2 Year CD
0.97%$500-22 Month Own Your Rate Savings CD
0.92%*$50k*-Business 1 Year CD
OTHER TIERS: 0.90% → $500 - $50k
0.70%$500-1 Year CD
0.66%*$50k*-Business 6 Month CD
OTHER TIERS: 0.65% → $500 - $50k
0.40%$500-6 Month CD

Georgia's Own Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%*$25k*$50k5 Year IRA
OTHER TIERS: 1.20% → $500+
1.20%$500-4 Year IRA
1.10%$500-3 Year IRA
1.00%$500-2 Year IRA
0.94%$500-18 Month IRA
0.70%$500-1 Year IRA
Locations

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