Offers

¹APY = Annual Percentage Yield. 4-Month Special CD offer valid as of October 1, 2025 and will be available for a limited time. The minimum opening deposit required to earn the advertised 4.40% APY is $500. Penalty may apply for early withdrawal. Fees may reduce earnings on an account. At maturity, the promotional 4-Month Certificate of Deposit Monthly account will renew into a 6-Month Certificate of Deposit Monthly account. Offer may be withdrawn without notice. Not available on Business CDs.

²Offer only valid August 1, 2025 through October 31, 2025. Georgia’s Own will give you $200 when you open up a new All Access Checking account. The bonus will be paid within 90 days after account opening and is subject to the following requirements: the member must establish direct deposits totaling at least $2,500 per statement cycle; the member must register for online banking; the account must be open and in good standing at the time the bonus is paid, and the member must complete 10 debit card transactions within each of the two statement cycles after account opening. Membership is required. Accounts are subject to approval. Terms and conditions will apply. All Access Checking: all balances earn 0.01% APY. Annual Percentage Yield (APY) is current as of August 1, 2025 and subject to change after account opening, fees can reduce earnings. Cannot be combined with any other offer. Georgia’s Own may change or discontinue this offer at any time before this date without notice. Offer does not apply to business, employee, second, or multiple checking accounts with Georgia’s Own. Offer not available to existing Georgia’s Own checking account holders, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last enrollment date.

³APY = Annual Percentage Yield. Rates valid on Money Market accounts from October 1, 2025 through October 31, 2025. Minimum deposit to open a Money Market account and earn dividends is $2,500. $10 per month Service Charge applies when balance falls below $2,500. Rates are variable and are subject to change without notice. Fees may reduce earnings. Balance Requirements by Tier: $2,500 to $9,999.99 – 0.50%, $10,000 to $24,999.99 – 0.75%, $25,000 to $49,999.99 – 1.00%, $50,000 to $99,999.99 – 1.05%, $100,000 to $249,999.99 – 1.50%, $250,000 to $499,999.99 – 2.50%, $500,000 to $999,999.99 – 3.00% and $1,000,000 or greater – 3.50%. Not available on Business Deposits.

⁴APR = Annual Percentage Rate. Rates effective as of October 1, 2025. Promotional period begins October 1, 2025 and ends October 31, 2025. Advertised “as low as” APR assumes excellent borrower credit history. Your APR and loan terms may vary based on several factors including creditworthiness, age of the vehicle, or length of the loan term. Your actual APR may be higher than the stated rate. Payment example: A 2024 auto financed for 48 months @ 4.24% APR would have a monthly payment of approximately $22.69 per $1,000 borrowed. Advertised rate and payment example include a 0.25% auto pay rate discount. Please ask a loan officer for details on how your rate is determined. Loans are subject to credit approval. Additional terms, conditions, and limitations may apply.

⁵Member must establish auto pay on their auto loan from a Georgia’s Own checking account to qualify for rate discount. Cannot be combined with any other offer. Offer ends December 31, 2025.