$200 Checking Bonus At Georgia's Own Credit Union

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Deal Summary: $200 bonus when opening a Perks+ Checking Account online, between now and August 31, 2020. Requires six debit card transactions and direct deposit totaling at least $1k per statement cycle.

Availability: Easy membership requirement for George residents.

Now through August 31, 2020, Georgia’s Own Credit Union (Georgia’s Own) is offering a $200 bonus when opening a Perks+ Checking Account online. Bonuses like the one offered by Georgia’s Own have become more attractive, now that interest rates have fallen to such low levels.

$200 Bonus Requirements

  • Open Perks+ Checking Account online by August 31, 2020.
  • Make at least six debit card transactions in each of the two statement cycles following account opening.
  • Have at least $1k in a direct deposit per statement cycle.
  • Register for online banking.

Limitations

  • The bonus will be paid within 90 days after account opening, if the above requirements are met.
  • Individuals who had a checking account with Georgia’s Own in the last 90 days are not eligible for this bonus.
  • Offer does not apply to business, employee, second, or multiple checking accounts with Georgia’s Own.
  • The Perks+ Checking Account must be open and in good standing at the time the bonus is paid.
  • This offer may change or be discontined at any time before end-date without notice.

Perks+ Checking Account

The Perks Checking Account is not a rewards checking account and has three rate tiers: 0.05% APY ($2.5k+), 0.03% APY ($1.5k), and 0.02% APY (up to $1.5k). There is no minimum opening deposit requirement. The $5.95 monthly fee cannot be waived. Online and paper statements are both available, but there is a $2 fee for each paper statement. The initial debit card is provided at no cost, but a replacement card will incur a $5 fee.

APYMINMAXINSTITUTIONPRODUCTDETAILS
0.03*%$2.5k-Georgia's Own Credit UnionPerks+ Checking
OTHER TIERS: 0.01% $0 - $1.5k | 0.02% $1.5k - $2.5k
Rates as of May 28, 2025.

CDs

Last week I wrote about Georgia’s Own’s 2-, 3-, 4-, and 5-year CDs. These APYs have remained competitive and actually have some of the highest rates available in Georgia. The minimum opening deposit for any of the CDs is $500, with no stated balance cap.

APYMINMAXINSTITUTIONPRODUCTDETAILS
3.00%$500-Georgia's Own Credit Union3 Year CD
3.00%$500-Georgia's Own Credit Union5 Year CD
3.00%$500-Georgia's Own Credit Union4 Year CD
3.00%$500-Georgia's Own Credit Union2 Year CD
Rates as of May 28, 2025.

Availability

Headquartered in Atlanta, Georgia’s Own Credit Union’s field of membership (FOM) provides a way for virtually all Georgia residents to join.

Easy Membership: Georgia residents who don’t qualify for membership through employment or residency can join by making a $10 contribution to the Georgia’s Own Foundation, the charitable arm of Georgia’s Own. Joining the Foundation can be can be done during the membership application process.

Members of the Getting Ahead Association (GAA) who live in Georgia also qualify for membership. “GAA is designed to help you gain access to the information that you need to improve your quality of life and reduce the cost of living.”

Residency: Individuals who live or work in any of the Georgia counties of Baker, Barrow, Bartow, Brooks, Calhoun, Carroll, Chatham, Cherokee, Clarke, Clay, Clayton, Cobb, Colquitt, Columbia, Coweta, Crisp, Dekalb, Dougherty, Douglas, Early, Effingham, Fayette, Forsyth, Fulton, Gwinnett, Hall, Henry, Lee, Lowndes, Meriwether, Mitchell, Newton, Paulding, Quitman, Randolph, Richmond, Rockdale, Spalding, Sumter, Stephens, Stewart, Terrell, Thomas, Tift, Walton, Webster, or Worth qualify for membership.

Employment: Individuals who work for any of Georgia’s Own nearly 950 Premier Partners are eligible for membership.

Educational Relationship: Georgia State University students, alumni, faculty, staff, and retirees are also eligible to join.

Relationship: Family members (defined as anyone related by blood, adoption or marriage) of a current Georgia’s Own member are welcome to apply.

Complete details concerning membership eligibility are available on the Membership page.

Joining Georgia’s Own and/or opening a Perks+ Checking Account can be done online. While a Perks+ Checking Account can be opened in-branch at any of the 19 Georgia branch locations, it must be opened online to qualify for the bonus.

A minimum deposit of $5 is required to establish your membership. This $5 refundable deposit represents your “share” in Georgia’s Own and is held on deposit as long as you are a member.

Note: There is a monthly $5 inactivity fee if there are no transactions in the regular savings account for 12 consecutive months AND the balance is below $250.

Georgia’s Own participates in both the CO-OP ATM and Shared Branch networks.

As a result, you can conduct most business on your Georgia’s Own Credit Union accounts at other credit unions throughout the country as though you were at your Georgia’s Own Credit Union local branch!

Credit Union Overview

Georgia’s Own Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 2.88% (excellent) based on December 31, 2019 data. In the past year, Georgia’s Own increased its total non-brokered deposits by $25.02 million, an above average annual growth rate of 1.31%. Please refer to our financial overview of Georgia’s Own Credit Union (NCUA Charter # 67390) for more details.

Established in 1934, Georgia’s Own Credit Union was originally known as the Atlanta Telco Credit Union. The founding members were eight telephone company employees, who contributed total deposits of $160. Ten years later, the name was changed to Georgia Telco Credit Union, when a new charter was adopted that expanded the FOM to include telephone employees anywhere in Georgia. The Georgia’s Own rebrand occurred in 2007, as the FOM changed to include the residents of several Georgia counties. Georgia’s Own Credit Union is currently the third largest credit union in Georgia, with nearly 183,000 members and assets in excess of $2.4 billion.

Other Bank Promotions and Bonuses

Not eligible for the Perks+ Checking Account bonus? Check out DA’s latest bank and credit union bonus blog posts to find other promotions. In addition, DepositAccounts.com readers and I also post often on bonuses in the Bank Promotions Forum.

Related Pages: Macon checking accounts, Savannah checking accounts, Augusta checking accounts, Columbus checking accounts, Atlanta checking accounts, Albany checking accounts, Tallahassee checking accounts, Jacksonville checking accounts, checking accounts, 5-year CD rates, bank bonuses



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