Featured Savings Rates
Featured Accounts

Georgia's Own Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.95%5-year CD55 Month Own Your Rate Savings Certificate
0.35%1-year CD1 Year Interest Compounded Quarterly Certificate
0.18%SavingsResolution Savings

Overview / Commentary
404-874-0777
1155 Peachtree St NE Ste 400 Suite 400
Atlanta, GA 30309-3600

Georgia's Own Credit Union is headquartered in Atlanta and is the 4th 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 2016, it had grown to 383 employees and 187,237 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

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Reviews (7)

Small Town Feel Big Town Quality

I have not done much business directly with my bank, Georgia's Own Credit Union, but the amount that I have done has been very positive. I am mainly reviewing the experience at one branch, but also will go into some minor details about the web and Android mobile app experience. The branch is really well kept and has a great amount of little extras, such as access to a restroom, which most banks I have been in do not have, as well as access to a single serving pod style coffee machine, a little above what most banks have. They recently moved and I have not had a reason to use their teller machine at the new location, so I am not going to review it, as the experience might have improved. The branch is located just out of way enough in town that you need not worry about fighting traffic to get in and out of the branch, but close enough to town that you are not going to be inconvenienced greatly by having to go to the branch location.



The web site is decently modern, built more for function rather than flash, but that is a good thing. The functionality of the user experience, such as transferring funds from one account to another, actually feels more at ease sometimes than managing an email inbox from a laptop computer. The mobile version of the site is pretty well done too, but feels a little feature stripped compared to the full version, but that is normal. The Android mobile app functions beautifully and is a great counterpart to the full site and makes transferring funds a snap from one account to another.



One of the best things about Georgia's Own is that they charge no fees for their basic checking account. In this world of high fees being charged by banks, this is a nice change of pace and refreshing breath of air to be able to have a checking account with a widely accepted Visa debit card.

Great first experience with a credit union

GA's Own Credit Union was my first credit union to ever be a member of. The first thing that drew me to this bank is my Father has banked with them for years and has loved it. Secondly, when I tried to get an auto loan through my old (larger) bank, I was turned down do to not having much credit. Because of my family's history with GA's Own, they approved my loan same day. Their checking accounts are also free and easy to use in person, online, and mobile. Since becoming a member, every company I have worked for has offered direct deposit, so naturally I take advantage of it. There has never been any issues and my paycheck has always arrived within 24 hours unlike some banks where it seems to take up to 48 hours some times. They have a friendly staff, who also went out of their way to explain to me how their merchant services work when I was interested in setting up e-commerce on my web site.

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.


 

Georgia's Own

When I went to apply for a bank account I was met with a warm smile and understanding attitude. I opened an account very easily with the bank manager. I was informed of all the fees upfront. I have since had an amazing experience with the bank. My only problem is that the bank is that they are not open at great hours and their location is a bit out of the way. The other benefits greatly out weigh the negatives.

No fees/ Free Checking!

Posted by: jess10886 | Sep 6, 2014

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.

Terrible Service!

I started using the credit union because people told me that they are so much better than a bank. People told me that they will help you because it's based on members. THIS IS SO FALSE! In the past everything that I've ever asked of Georgias Own I have been turned down. I have never heard the word "yes" from them for anything. This place is so much worse then a regular bank. I would NEVER recommend using them. I regret leaving Bank of America for the credit union. The worst!

Loan Application

I suppose you never know if you have a good bank or not till the time you need them. Applying for a loan online I discovered is not the best way of doing it. Messages appear "need more info" on online application and that is it. After several responses from my side to provide "info" no response from the institution. At the end my application was denied, not giving me the chance to provide more information. I will not encourage anybody in using the online options. I'm plain disappointed in Georgia's Own.



Health
A

Health Grade Components

Overall
NCUA #67390
Year Chartered1934
Employees383
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD5.21%
Annual Interest Income$34.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$2.06B$1.89B
LoansQ2 2016vs Q2 2015$1.59B$1.41B
DepositsQ2 2016vs Q2 2015$1.74B$1.66B
Equity CapitalQ2 2016vs Q2 2015$207.5MM$198.6MM
Loan Loss AllowanceQ2 2016vs Q2 2015$16.8MM$16.3MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$6.2MM$4.9MM
Real Estate OwnedQ2 2016vs Q2 2015$91.00K$639.00K
Rates
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* 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
0.18%*$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 Individual Retirement 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*-Club Roth IRA
OTHER TIERS: 0.10% Up to $50k | 0.13% $50k - $100k
0.18%*$100k*-Club Education 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
0.05%--HSA Checking

Georgia's Own Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.33%*$500k*-Money Market
OTHER TIERS: 0.20% $2,500 - $25k | 0.23% $25k - $50k | 0.25% $50k - $100k | 0.27% $100k - $250k | 0.30% $250k - $500k

Georgia's Own Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--All Access Checking Account
0.05%--i[check] Account

Georgia's Own Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%*$50k*-5 Year Interest Credited Monthly Certificate
OTHER TIERS: 1.00% $500 - $50k
1.05%*$50k*-5 Year Interest Compounded Quarterly Certificate
OTHER TIERS: 1.00% $500 - $50k
0.95%*$50k*-4 Year Interest Credited Monthly Certificate
OTHER TIERS: 0.90% $500 - $50k
0.95%*$50k*-4 Year Interest Compounded Quarterly Certificate
OTHER TIERS: 0.90% $500 - $50k
0.95%$500-55 Month Own Your Rate Savings Certificate
0.85%$500-44 Month Own Your Rate Savings Certificate
0.80%*$50k*-3 Year Interest Credited Monthly Certificate
OTHER TIERS: 0.75% $500 - $50k
0.80%*$50k*-3 Year Interest Compounded Quarterly Certificate
OTHER TIERS: 0.75% $500 - $50k
0.72%$500-33 Month Own Your Rate Savings Certificate
0.65%*$50k*-30 Month Interest Credited Monthly Certificate
OTHER TIERS: 0.62% $500 - $50k
0.65%*$50k*-30 Month Interest Compounded Quarterly Certificate
OTHER TIERS: 0.62% $500 - $50k
0.55%*$50k*-2 Year Interest Credited Monthly Certificate
OTHER TIERS: 0.52% $500 - $50k
0.55%*$50k*-2 Year Interest Compounded Quarterly Certificate
OTHER TIERS: 0.52% $500 - $50k
0.50%$500-22 Month Own Your Rate Savings Certificate
0.35%*$50k*-1 Year Interest Credited Monthly Certificate
OTHER TIERS: 0.33% $500 - $50k
0.35%*$50k*-1 Year Interest Credited At Maturity Certificate
OTHER TIERS: 0.33% $500 - $50k
0.35%*$50k*-1 Year Interest Compounded Quarterly Certificate
OTHER TIERS: 0.33% $500 - $50k
0.20%*$50k*-6 Month Interest Credited Monthly Certificate
OTHER TIERS: 0.19% $500 - $50k
0.20%*$50k*-6 Month Interest Credited At Maturity Certificate
OTHER TIERS: 0.19% $500 - $50k
0.20%*$50k*-6 Month Interest Compounded Quarterly Certificate
OTHER TIERS: 0.19% $500 - $50k

Georgia's Own Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%*$50k*-5 Year Fixed IRA Certificate
OTHER TIERS: 1.00% $500 - $50k
0.95%*$50k*-4 Year Fixed IRA Certificate
OTHER TIERS: 0.90% $500 - $50k
0.80%*$50k*-3 Year Fixed IRA Certificate
OTHER TIERS: 0.75% $500 - $50k
0.65%*$50k*-30 Month Fixed IRA Certificate
OTHER TIERS: 0.62% $500 - $50k
0.55%*$50k*-2 Year Fixed IRA Certificate
OTHER TIERS: 0.52% $500 - $50k
0.35%*$50k*-1 Year Fixed IRA Certificate
OTHER TIERS: 0.33% $500 - $50k
0.25%*$50k*-18 Month Variable IRA Certificate
OTHER TIERS: 0.23% $500 - $50k
Locations

Georgia's Own Credit Union has 20 locations. Click to view all Georgia's Own Credit Union locations.