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 100th largest credit union in the nation. It was established in 1934 and as of December of 2023, it had grown to 675 employees and 240,650 members at 35 locations. Georgia's Own Credit Union's CD rates are 5X the national average, and it has a C+ 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

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.

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.

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.

VIEW MORE REVIEWS

Health
C+

Health Grade Components

Overall
NCUA #67390
Year Chartered1934
Employees675
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD4.12%
Annual Interest Income$226.6MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$4.28B$4.74B
LoansQ4 2023vs Q4 2022$3.22B$3.55B
DepositsQ4 2023vs Q4 2022$3.45B$3.62B
Equity CapitalQ4 2023vs Q4 2022$342.9MM$331.5MM
Loan Loss AllowanceQ4 2023vs Q4 2022$46.4MM$24.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$59.6MM$29.8MM
Real Estate OwnedQ4 2023vs Q4 2022$0$81K
Rates
Report an Issue

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
0.50%*$1k*-Business Savings
OTHER TIERS: 0.10% $5 - $1k
0.20%*$100k*-Regular Savings
OTHER TIERS: 0.10% $5 - $50k | 0.15% $50k - $100k
0.20%*$100k*-Holiday Savings
OTHER TIERS: 0.10% $5 - $50k | 0.15% $50k - $100k
0.20%*$100k*-i[save] Account
OTHER TIERS: 0.10% $5 - $50k | 0.15% $50k - $100k
0.20%*$100k*-CoIndexter Club Savings
OTHER TIERS: 0.10% $5 - $50k | 0.15% $50k - $100k
0.20%*$100k*-Resolution Savings
OTHER TIERS: 0.10% $5 - $50k | 0.15% $50k - $100k
0.20%*$100k*-Vacation Savings
OTHER TIERS: 0.10% $5 - $50k | 0.15% $50k - $100k
0.07%*$100k*-Club IRA
OTHER TIERS: 0.05% $5 - $50k | 0.06% $50k - $100k
0.01%--HSA Checking

Georgia's Own Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$250k*-Business Money Market
OTHER TIERS: 0.50% $2.5k - $10k | 0.75% $10k - $25k | 1.00% $25k - $50k | 1.75% $50k - $100k | 2.00% $100k - $250k
2.25%*$250k*-Money Market Account
OTHER TIERS: 0.50% $2.5k - $10k | 0.75% $10k - $25k | 1.00% $25k - $50k | 1.25% $50k - $100k | 1.50% $100k - $250k

Georgia's Own Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.21%*$500k*-Corporate Plus Checking
OTHER TIERS: 0.75% $10k - $25k | 1.25% $25k - $100k | 2.23% $100k - $250k | 2.48% $250k - $500k
0.25%*$10k*-Preferred Business Checking
OTHER TIERS: 0.05% Up to $1.5k | 0.10% $1.5k - $2.5k | 0.15% $2.5k - $10k
0.03%*$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
4.75%$500-1 Year CD Special
4.50%$100$25k1 Year Flex CD
4.15%$500-6 Month CD
3.75%$500-5 Year CD
3.75%$500-Business 2 Year CD
3.50%$500-44 Month Own Your Rate Savings CD
3.50%$500-Business 1 Year CD
3.50%$500-4 Year CD
3.25%$500-3 Year CD
3.25%$500-Business 6 Month CD
3.00%$500-2 Year CD
2.50%$500-22 Month Own Your Rate Savings CD

Georgia's Own Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500-1 Year IRA Special
3.75%$500-5 Year IRA
3.50%$500-4 Year IRA
3.25%$500-3 Year IRA
3.00%$500-2 Year IRA
2.75%$500-18 Month IRA
Locations

Availability



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.