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 107th largest credit union in the nation. It was established in 1934 and as of September of 2024, it had grown to 685 employees and 239,964 members at 37 locations. Georgia's Own Credit Union's CD rates are 5X 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

Reviews (2)

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.

Worst Customers Service- Stay Away

Posted by: |

If you want worst customers service then you work with these people else find some other bank---These are horrible people, no morals and do not care about your money.



Health

Health Grade Components

Overall
NCUA #67390
Year Chartered1934
Employees685
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD3.37%
Annual Interest Income$165.7MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$4.24B$4.41B
LoansQ3 2024vs Q3 2023$3.11B$3.36B
DepositsQ3 2024vs Q3 2023$3.56B$3.57B
Equity CapitalQ3 2024vs Q3 2023$368MM$340MM
Loan Loss AllowanceQ3 2024vs Q3 2023$35.8MM$41.4MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$60.3MM$43.3MM
Real Estate OwnedQ3 2024vs Q3 2023$32K$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
0.25%*$1k*-Business Savings
OTHER TIERS: 0.05% $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

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
2.00%*$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% $0 - $1.5k | 0.10% $1.5k - $2.5k | 0.15% $2.5k - $10k
0.03%*$2.5k*-Perks+ Checking
OTHER TIERS: 0.01% $0 - $1.5k | 0.02% $1.5k - $2.5k
0.01%$0-All Access Checking
0.01%$0-Golden Bell Checking
0.01%$0-i[check] Account
0.01%$0-Student Access Checking

Georgia's Own Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$100$25k1 Year Flex CD
3.75%$500-6 Month CD
3.50%$500-1 Year CD
3.25%$500-Business 2 Year CD
3.00%$500-3 Year CD
3.00%$500-5 Year CD
3.00%$500-Business 1 Year CD
3.00%$500-4 Year CD
3.00%$500-2 Year CD
2.75%$500-Business 6 Month CD
1.50%$500-22 Month Own Your Rate Savings CD
1.50%$500-44 Month Own Your Rate Savings CD

Georgia's Own Credit Union IRA Rates

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

Availability



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