Life Stages: Middle Age| 5 Must Dos To Take Control of Your Finances

Middle age might be the toughest financial period of your life. During this time, you'll be paying for your children's college tuition and planning for your retirement, while also having to take care of your day-to-day expenses. Here are five ways Georgia's Own can help!


Pay off your home. Paying off your home is the last step to having a financially secure retirement. By refinancing to a shorter term mortgage, you can speed up the process of true homeownership. And with Georgia's Own, you'll receive low rates, pay lower closing costs and fewer fees on your mortgage. Contact our mortgage department today to get started.


Open a Visa® Platinum Credit Card. These days everyone needs a dependable credit card. Georgia's Own Credit Union's Visa Platinum Credit Card offers a low interest rate, no annual fee* and the ability to earn ScoreCard® Bonus Points that can be redeemed for roundtrip airfare or gift cards to your favorite restaurants and shopping centers.


Save on a new car. You'll most likely need a new car at some point during this phase of your life. Whether you are buying a new or used car, make sure to take advantage of our incredibly low auto loan rates.

If you are buying a new car, don't be bamboozled into thinking a promotional rate will save you the most money. Use our Rebate vs. Promo Rate Savings Calculator to see how you could save hundreds or even thousands by taking a manufacturer's rebate and combining it with our already low auto loan rates.

Wanting to save on another auto loan financed at a different institution? See how much you could save with our Loan Saver Calculator. We are so confident you can save with us, we'll pay you $100 if we can't lower your monthly payment.**

Have the ultimate car buying experience with our car buying service, Georgia's Own Carfinder. In addition to working to get you the best deal on your car, you'll also have the car delievered to you when you want it, where you want it — without haggling at a dealership!


Use the equity in your home to be prepared. As you build equity in your home, you can use it to your advantage! Georgia's Own home equity products feature rates starting at 4.00%, no closing costs*** and you don't have to pay any interest until you use the account. A Home Equity Line of Credit (HELOC) is a great way to pay for home improvements (think finishing a basement or kitchen remodeling), paying off debt or being prepared for life's unfortunate surprises. Contact our mortgage department today to get started.


Keep an eye on your retirement accounts. Make sure you are still monitoring your retirement accounts to maintain an acceptable risk tolerance for your needs. Maybe you'd like to switch your investment option or increase your contribution. Either way, Georgia's Own Investment & Retirement Services**** can help.

* Purchases, balance transfers and cash advances subject to the standard variable APR of 10.24-13.24% for VISA Platinum; 12.24-17.24% for VISA Classic; 10.24-17.24% for VISA Classic Secured; and 13.24% for Student VISA based on your creditworthiness. The APR will vary with the market based on the Prime Rate. The Penalty APR is a variable rate determined by adding 14.74% to Prime Rate. Fee for cash advance- 3% of advance amount. Fee for Foreign transactions - 2.0% of the U.S. dollar amount of each transaction. Fee for balance transfer - 3% of the balance transfer amount or $10, whicever is greater.

** Restrictions apply. Leases excluded. Offer valid only on vehicles financed with another financial institution. In order to collect the $100 incentive, member must qualify for loan under normal underwriting or verification standards, including value of auto. Member is responsible for any tax consequences.

*** Your Annual Percentage Rate (APR) may differ from the one shown and will be based on your credit worthiness and loan to value. Please ask a loan officer for details on how your rate is determined. ReadiEquity rate is variable and may change. Rate may not exceed 18% at any time. Property and/or flood insurance may be required. Terms, rates, and conditions are subject to change without notice. No closing costs offer may be withdrawn without notice.

**** Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members.

Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.