Georgia's Own Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.05% | 5-year CD | 55 Month Own Your Rate Savings Certificate 2.25% - Bank of Internet USA 60 Month CD |
| 0.45% | 1-year CD | 1 Year Interest Compounded Quarterly Certificate 1.50% - Ally Bank No Penalty 11-Month CD |
| 0.18% | Savings | Resolution Savings 1.20% - Ally Bank Online Savings Account |
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 102nd largest credit union in the nation. It was established in 1934 and as of June of 2017, it had grown to 386 employees and 188,269 members at 20 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 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
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.
A great local credit union
Georgia's Own Credit Union is a local credit union in Georgia. They offer many different services, as you would expect from a credit union. I initially was turned on to them by an auto salesman when I was purchasing my first vehicle. He let me know that they historically had the lowest rates of the banks and credit unions they work with. I ultimately ended up using them for my auto loan, and I used them for a bank as I was in college. Their rates were always great and the customer service was always satisfying. I will say that they were behind on technology, however. Overall, a great credit union to work with.
No fees/ Free Checking!
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.
This Credit Union Stinks
Terrible credit union! I made a deposit in the night deposit box to my business account. Did not credit it to my account over 24 hours later. Called to ask them why, and of course no one answered the phone, and no one called me back.
STAY AWAY FROM HERE!!!!!!
Data as of Q2 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67390 |
| Year Chartered | 1934 |
| Employees | 386 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.58% |
| Return on Equity - YTD | 5.6% |
| Annual Interest Income | $37.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2017vs Q2 2016 | $2.25B$2.06B |
| Loans | Q2 2017vs Q2 2016 | $1.79B$1.59B |
| Deposits | Q2 2017vs Q2 2016 | $1.83B$1.74B |
| Equity Capital | Q2 2017vs Q2 2016 | $232.3MM$207.5MM |
| Loan Loss Allowance | Q2 2017vs Q2 2016 | $20.5MM$16.8MM |
| Unbacked Noncurrent Loans | Q2 2017vs Q2 2016 | $7.7MM$6.2MM |
| Real Estate Owned | Q2 2017vs Q2 2016 | $32.00K$91.00K |
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 Account | ||
| OTHER TIERS: 0.10% → Up to $50k | 0.13% → $50k - $100k | |||||
| 0.18%* | $100k* | - | Holiday Savings Account | ||
| OTHER TIERS: 0.10% → Up to $50k | 0.13% → $50k - $100k | |||||
| 0.18%* | $100k* | - | i[save] Account | ||
| OTHER TIERS: 0.10% → Up to $50k | 0.13% → $50k - $100k | |||||
| 0.18%* | $100k* | - | Coindexter Club Savings | ||
| OTHER TIERS: 0.10% → Up to $50k | 0.13% → $50k - $100k | |||||
| 0.18%* | $100k* | - | Club IRA | ||
| OTHER TIERS: 0.10% → Up to $50k | 0.13% → $50k - $100k | |||||
| 0.18%* | $100k* | - | Resolution Savings | ||
| OTHER TIERS: 0.10% → Up to $50k | 0.13% → $50k - $100k | |||||
| 0.02% | - | - | HSA Checking | ||
Georgia's Own Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.48%* | $1m* | - | Money Market | ||
| OTHER TIERS: 0.30% → $2,500 - $25k | 0.33% → $25k - $50k | 0.35% → $50k - $100k | 0.37% → $100k - $250k | 0.45% → $250k - $1mm | |||||
Georgia's Own Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.05%* | $2,500* | - | Perks+ Checking | ||
| OTHER TIERS: 0.02% → Up to $1,500 | 0.03% → $1,500 - $2,500 | |||||
| 0.02% | - | - | All Access Checking Account | ||
| 0.02% | - | - | Golden Bell Checking Account | ||
| 0.02% | - | - | i[check] Account | ||
Georgia's Own Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.15%* | $50k* | - | 5 Year Interest Credited Monthly Certificate | ||
| OTHER TIERS: 1.10% → $500 - $50k | |||||
| 1.15%* | $50k* | - | 5 Year Interest Compounded Quarterly Certificate | ||
| OTHER TIERS: 1.10% → $500 - $50k | |||||
| 1.05%* | $50k* | - | 4 Year Interest Credited Monthly Certificate | ||
| OTHER TIERS: 1.00% → $500 - $50k | |||||
| 1.05%* | $50k* | - | 4 Year Interest Compounded Quarterly Certificate | ||
| OTHER TIERS: 1.00% → $500 - $50k | |||||
| 1.05% | $500 | - | 55 Month Own Your Rate Savings Certificate | ||
| 0.95% | $500 | - | 44 Month Own Your Rate Savings Certificate | ||
| 0.90%* | $50k* | - | 3 Year Interest Credited Monthly Certificate | ||
| OTHER TIERS: 0.85% → $500 - $50k | |||||
| 0.90%* | $50k* | - | 3 Year Interest Compounded Quarterly Certificate | ||
| OTHER TIERS: 0.85% → $500 - $50k | |||||
| 0.82% | $500 | - | 33 Month Own Your Rate Savings Certificate | ||
| 0.75%* | $50k* | - | 30 Month Interest Credited Monthly Certificate | ||
| OTHER TIERS: 0.72% → $500 - $50k | |||||
| 0.75%* | $50k* | - | 30 Month Interest Compounded Quarterly Certificate | ||
| OTHER TIERS: 0.72% → $500 - $50k | |||||
| 0.65%* | $50k* | - | 2 Year Interest Credited Monthly Certificate | ||
| OTHER TIERS: 0.62% → $500 - $50k | |||||
| 0.65%* | $50k* | - | 2 Year Interest Compounded Quarterly Certificate | ||
| OTHER TIERS: 0.62% → $500 - $50k | |||||
| 0.60% | $500 | - | 22 Month Own Your Rate Savings Certificate | ||
| 0.45%* | $50k* | - | 1 Year Interest Credited Monthly Certificate | ||
| OTHER TIERS: 0.43% → $500 - $50k | |||||
| 0.45%* | $50k* | - | 1 Year Interest Credited At Maturity Certificate | ||
| OTHER TIERS: 0.43% → $500 - $50k | |||||
| 0.45%* | $50k* | - | 1 Year Interest Compounded Quarterly Certificate | ||
| OTHER TIERS: 0.43% → $500 - $50k | |||||
| 0.30%* | $50k* | - | 6 Month Interest Credited Monthly Certificate | ||
| OTHER TIERS: 0.29% → $500 - $50k | |||||
| 0.30%* | $50k* | - | 6 Month Interest Credited At Maturity Certificate | ||
| OTHER TIERS: 0.29% → $500 - $50k | |||||
| 0.30%* | $50k* | - | 6 Month Interest Compounded Quarterly Certificate | ||
| OTHER TIERS: 0.29% → $500 - $50k | |||||
Georgia's Own Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.15%* | $50k* | - | 5 Year Fixed IRA Certificate | ||
| OTHER TIERS: 1.10% → $500 - $50k | |||||
| 1.05%* | $50k* | - | 4 Year Fixed IRA Certificate | ||
| OTHER TIERS: 1.00% → $500 - $50k | |||||
| 0.90%* | $50k* | - | 3 Year Fixed IRA Certificate | ||
| OTHER TIERS: 0.85% → $500 - $50k | |||||
| 0.75%* | $50k* | - | 30 Month Fixed IRA Certificate | ||
| OTHER TIERS: 0.72% → $500 - $50k | |||||
| 0.65%* | $50k* | - | 2 Year Fixed IRA Certificate | ||
| OTHER TIERS: 0.62% → $500 - $50k | |||||
| 0.45%* | $50k* | - | 1 Year Fixed IRA Certificate | ||
| OTHER TIERS: 0.43% → $500 - $50k | |||||
| 0.35%* | $50k* | - | 18 Month Variable IRA Certificate | ||
| OTHER TIERS: 0.33% → $500 - $50k | |||||
