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 110th largest credit union in the nation. It was established in 1934 and as of March of 2025, it had grown to 667 employees and 240,860 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
No Help To Survivors
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
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.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67390 |
| Year Chartered | 1934 |
| Employees | 667 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.58% |
| Return on Equity - YTD | 7.06% |
| Annual Interest Income | $55.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $4.25B$4.31B |
| Loans | Q1 2025vs Q1 2024 | $3.24B$3.09B |
| Deposits | Q1 2025vs Q1 2024 | $3.58B$3.56B |
| Equity Capital | Q1 2025vs Q1 2024 | $347.6MM$346.9MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $47.7MM$38.5MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $53.1MM$48.6MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $32K$0 |
