About Us

Offers

Georgia’s Own membership has its perks. Save even more with these special offers.

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CHECKING

Try Perks+ Checking free for a month

Unlock extras like Early Direct Deposit1, cell phone protection2, 3, retail and dining discounts, and more with Perks+ Checking. Plus when you open a new account or upgrade your existing account by December 31st, the first month’s fee is on us.4

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PERSONAL LOANS

Gift giving made easy

Need a helping hand this holiday season? Take the pressure off with holiday loan rates as low as 10.99% APR.5

Consumer Loans

Pause your payments, not your plans

Free up some funds for future festivities by taking a payment holiday6 on your next loan payment.

Auto Loans

Hit the gas on savings

Drive smart and finance smarter with auto loan rates as low as 4.99% APR7 with auto pay.8

AUTO LOANS

Auto pay discount

Save even more on your auto loan when you sign up for auto pay. In addition to our low rates and flexible terms, get an additional .25% off your rate.8

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AUTO LOANS

Carfinder rate discount

Use Georgia’s Own Carfinder for your next car purchase and finance your loan with Georgia’s Own, you’ll get a rate discount of .25%.9

Member Appreciation Monday

What's new this month

#MemberAppreciationMonday is one way that Georgia’s Own is working to surprise and delight our members. Click the link below to see this month’s offers!

Disclosures

1Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Click here for FAQs.

2Cell Phone Protection, Personal Identity Protection, and Buyer’s Protection and Extended Warranty are subject to additional terms and conditions.

3INSURANCE PRODUCTS ARE NOT A DEPOSIT, NOT FEDERALLY INSURED, NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.

4Open a new Perks+ Checking account between October 1 and December 31, 2024 and pay no monthly fee for the first month. After that a fee of $6.95 per month applies.

5Offer valid October 1, 2024 through November 30, 2024 on terms up to 12 months. Minimum loan amount is $250. Loans are subject to final credit approval confirming that you meet the pre-established credit criteria for this loan. Additional terms, conditions, and limitations may apply. A holiday loan financed for 12 months at 10.99% APR would have a monthly payment of approximately $88.38 per $1,000 borrowed.

6For qualified members. By deferring your loan payment by one month, you authorize Georgia’s Own Credit Union to extend your final loan payment. Finance charges will continue to accrue on your unpaid balance. All requests are subject to Credit Union approval. Your account must be in good standing and have a minimum of six (6) consecutive months of payments made on a new loan to take advantage of this offer. Should you request a payment holiday, you will be charged a $25.00 processing fee (per loan). A granted payment holiday entitles the member to defer one (1) month’s regular payment on the specified loan. The regular payment schedule will resume the month following the elected payment holiday month. Limit two (2) payment holidays per loan per 12-month period with a minimum of three (3) monthly payments made between payment holidays, provided your Georgia’s Own accounts are in good standing, with a maximum of eight (8) over the life of the loan. Real Estate, Visa, Cash Now, and Day Note Loans excluded. If you have any form of voluntary insurance or warranty coverage in connection with the loan on which you seek to defer a payment, you should ensure your election to defer a payment does not affect your coverage.

7APR = Annual Percentage Rate. Rates effective as of November 1, 2024. Your APR may differ based on your creditworthiness and could be higher than the stated rate. Payment example: A 2023 auto financed for 48 months @ 4.99% APR would have a monthly payment of approximately $23.02 per $1,000 borrowed. Loans are subject to credit approval. Please ask a loan officer for details on how your rate is determined.

8Member must establish auto pay on their auto loan from a Georgia’s Own checking or savings account to qualify for rate discount. Cannot be combined with any other offer. Offer ends December 31, 2024.

9In connection with these car sales, there is no warranty, guarantee or indemnity on the part of this Credit Union either expressed or implied. Promotional period begins January 1, 2024 and ends December 31, 2024. Use Georgia’s Own Credit Union’s Carfinder Service and finance your vehicle with Georgia’s Own during the promotional period and take .25% off of your current auto loan rate on new, used, and refinanced vehicle. Loan terms may vary based on individual credit worthiness and other qualifying factors. Minimum APR is 1.74%. Payment example: A 2023 auto financed for 60 months at 7.66% APR would have a payment of approximately $19.52 per $1,000 borrowed. Loans are subject to credit approval.