Georgia's Own Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.27% | 5-year CD | 2.27% - National Average |
| 1.60% | 1-year CD | 1.38% - National Average |
| 0.18% | Savings | 0.26% - National Average |
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 December of 2018, it had grown to 412 employees and 183,654 members at 19 locations. Georgia's Own Credit Union's money market rates are 2X the national average, and it 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
Related Posts
SHARON's OWN CREDIT UNION
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.
Great banking experience
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.
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.
Bunch Of Immoral Thieves
Stay away from these thieves at all costs. They literally put an 11 day hold on a payroll check. Not a personal check.
They have zero warning that my tent money would be unavailable for this length of time and cost me tongs in late fees. Terror warming on deposit days it might be up to 2 days... Not 11.
Now they are claiming that it takes them that looking to verify that the funds are actually available, on a payroll check from a fortune 300 company written on a major bank check (not a hand written personal check).
These are either thieves, or they are so incompetent that they cannot do simple ach verification with major banks.
Do yourself a favor and run as fast and far from these low life thieves as you can.
They will lie to you and do everything in their power to screw up everything they touch.
Avoid at all costs!
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67390 |
| Year Chartered | 1934 |
| Employees | 412 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.8% |
| Return on Equity - YTD | 7.81% |
| Annual Interest Income | $89.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $2.41B$2.31B |
| Loans | Q4 2018vs Q4 2017 | $1.89B$1.82B |
| Deposits | Q4 2018vs Q4 2017 | $2.02B$1.91B |
| Equity Capital | Q4 2018vs Q4 2017 | $248.5MM$233.3MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $10.1MM$23.7MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $6.7MM$8.9MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $137.00K$340.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.06%* | - | $250k | Money Market Index Account - New Money | ||
| OTHER TIERS: 0.60% → $250k+ | |||||
| 2.04%* | - | $250k | Business Money Market Index Account | ||
| OTHER TIERS: 0.60% → $250k+ | |||||
| 1.10%* | $1m* | - | Preferred Business Money Market | ||
| OTHER TIERS: 0.95% → Up to $100k | 1.00% → $100k - $500k | 1.05% → $500k - $1m | |||||
| 1.09%* | $1m* | - | Money Market Account | ||
| OTHER TIERS: 0.60% → $2.5k - $10k | 0.70% → $10k - $25k | 0.80% → $25k - $50k | 0.85% → $50k - $100k | 0.93% → $100k - $250k | 0.98% → $250k - $500k | 1.00% → $500k - $1m | |||||
| 0.93%* | $100k* | - | Business Money Market | ||
| OTHER TIERS: 0.60% → $2.5k - $10k | 0.70% → $10k - $25k | 0.80% → $25k - $50k | 0.85% → $50k - $100k | |||||
Georgia's Own Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.27% | $500 | - | 5 Year CD | |
| 1.81% | $500 | - | 4 Year CD | |
| 1.80% | $500 | - | 3 Year CD | |
| 1.80% | $500 | - | Business 2 Year CD | |
| 1.80% | $500 | - | 2 Year CD | |
| 1.60% | $500 | - | 1 Year CD | |
| 1.60% | $500 | - | Business 1 Year CD | |
| 1.40% | $500 | - | 44 Month Own Your Rate Savings CD | |
| 1.12% | $500 | - | 22 Month Own Your Rate Savings CD | |
| 1.05% | $500 | - | 6 Month CD | |
| 1.05% | $500 | - | Business 6 Month CD |
Georgia's Own Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.27% | $500 | - | 5 Year IRA | |
| 1.81% | $500 | - | 4 Year IRA | |
| 1.80% | $500 | - | 2 Year IRA | |
| 1.80% | $500 | - | 3 Year IRA | |
| 1.60% | $500 | - | 1 Year IRA |
