Georgia's Own Credit Union


Overview / Commentary
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 117th largest credit union in the nation. It was established in 1934 and as of June of 2021, it had grown to 508 employees and 205,082 members at 28 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 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

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.

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.

No Help To Survivors

Posted by: |

My mother just passed away, and we went to close her account. Georgia own was no help at all. The girl who waited on us was down right rude. It was her last day and she acted like it. We were told over the phone to bring death certificate, proof that I am executor and I.D. When we arrived, we were told that they would have to check their archives. They wouldn’t tell us how long that would take. Since we knew that it was her last day, we called back the next day and talked to the manager to find out who we would deal with next. What a disgusting attitude she had. Quote “ We know what we are doing. It’s not the first death we’ve dealt with !,” hopefully we can find another branch to deal with to get our mothers money. The Marietta branch should be shut down.

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.

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Health

Health Grade Components

Overall
NCUA #67390
Year Chartered1934
Employees508
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD7.41%
Annual Interest Income$48.3MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$3.21B$3.06B
LoansQ2 2021vs Q2 2020$2.05B$2.11B
DepositsQ2 2021vs Q2 2020$2.88B$2.50B
Equity CapitalQ2 2021vs Q2 2020$296.8MM$304.6MM
Loan Loss AllowanceQ2 2021vs Q2 2020$48.1MM$16.7MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$19.3MM$20.0MM
Real Estate OwnedQ2 2021vs Q2 2020$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
0.16%*$100k*-Regular Savings
OTHER TIERS: 0.08% $5 - $50k | 0.11% $50k - $100k
0.16%*$100k*-Holiday Savings
OTHER TIERS: 0.08% $5 - $50k | 0.11% $50k - $100k
0.16%*$100k*-i[save] Account
OTHER TIERS: 0.08% $5 - $50k | 0.11% $50k - $100k
0.16%*$100k*-CoIndexter Club Savings
OTHER TIERS: 0.08% $5 - $50k | 0.11% $50k - $100k
0.16%*$100k*-Club IRA
OTHER TIERS: 0.08% $5 - $50k | 0.11% $50k - $100k
0.16%*$100k*-Resolution Savings
OTHER TIERS: 0.08% $5 - $50k | 0.11% $50k - $100k
0.16%*$2k*-Business Savings
OTHER TIERS: 0.08% $5 - $1k | 0.11% $1k - $2k
0.01%--HSA Checking

Georgia's Own Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Business Money Market
OTHER TIERS: 0.40% $2.5k - $25k | 0.50% $25k - $50k | 0.55% $50k - $100k
0.45%*$250k*-Money Market Account
OTHER TIERS: 0.20% $2.5k - $10k | 0.30% $10k - $50k | 0.40% $50k - $250k

Georgia's Own Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.08%*$10k*-Preferred Business Checking
OTHER TIERS: 0.01% Up to $1.5k | 0.02% $1.5k - $2.5k | 0.04% $2.5k - $10k
0.04%*$2.5k*-Perks+ Checking
OTHER TIERS: 0.01% Up to $1.5k | 0.02% $1.5k - $2.5k
0.01%--All Access Checking
0.01%--Golden Bell Checking
0.01%--i[check] Account

Georgia's Own Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%$500-Business 2 Year CD
1.15%$500-5 Year CD
1.10%$500-4 Year CD
1.00%$500-44 Month Own Your Rate Savings CD
0.95%$500-3 Year CD
0.87%$500-Business 1 Year CD
0.80%$500-2 Year CD
0.77%$500-22 Month Own Your Rate Savings CD
0.65%$500-1 Year CD
0.60%$500-Business 6 Month CD
0.35%$500-6 Month CD

Georgia's Own Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$500-5 Year IRA
1.10%$500-4 Year IRA
0.95%$500-3 Year IRA
0.80%$500-2 Year IRA
0.72%$500-18 Month IRA
0.65%$500-1 Year IRA
Locations

Availability



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