Georgia's Own Credit Union

Overview / Commentary
1155 Peachtree St NE Ste 600
Atlanta, GA 30309

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

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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.





Great banking experience

Posted by: Maurestic | Dec 7, 2017

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

Posted by: Avezes | Oct 20, 2018

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!



Health Grade Components

NCUA #67390
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD7.81%
Annual Interest Income$89.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$2.41B$2.31B
LoansQ4 2018vs Q4 2017$1.89B$1.82B
DepositsQ4 2018vs Q4 2017$2.02B$1.91B
Equity CapitalQ4 2018vs Q4 2017$248.5MM$233.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$10.1MM$23.7MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$6.7MM$8.9MM
Real Estate OwnedQ4 2018vs Q4 2017$137.00K$340.00K
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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

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

2.09%*-$250kBusiness Money Market Index Account w/ Checking - New Money Only
OTHER TIERS: 0.60% $250k+
2.05%*-$250k Money Market Index Account w/ Checking - New Money Only
OTHER TIERS: 0.60% $250k+
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

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

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

2.27%$500-5 Year IRA
1.81%$500-4 Year IRA
1.80%$500-2 Year IRA
1.80%$500-3 Year IRA
1.71%$500-18 Month IRA
1.60%$500-1 Year IRA


Atlanta Area

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