Offers

Offer only valid January 1, 2026 through February 28, 2026. You can receive only one (1) new checking account opening related bonus every two (2) years from the last promotion enrollment date. WELCOME26 promotion code is good for one-time use. This offer may be withdrawn without notice. To receive the $200 All Access Checking Bonus: 1) open a new All Access Checking account, which is subject to approval; 2) enroll in online banking; 3) complete 15 debit card transactions within each of the first two (2) statement cycles after account opening; AND 4) establish qualifying direct deposits made into the new checking account totaling at least $1,500 per statement cycle for the first two (2) statement cycles. Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person-to-Person payments are not considered a direct deposit. After you have completed all the above All Access Checking bonus requirements, we’ll deposit the bonus in your new account within 120 days of promotion enrollment. Terms and conditions will apply. All Access Checking: all balances earn 0.01% APY. Annual Percentage Yield (APY) is current as of January 1, 2026 and subject to change after account opening. Fees can reduce earnings. Georgia’s Own may change or discontinue this offer at any time 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 three (3) years.

Rates effective January 1, 2026 to January 31, 2026. Minimum opening deposit is $2,500. Rates are variable and are subject to change without notice. The minimum balance required to earn the advertised 3.50% APY is $1,000,000. Minimum balance of $2,500 required to earn dividends. Subject to a $10 monthly fee if the minimum is not met. Fees may reduce earnings on this account. For more information, view our Truth in Savings Disclosure.

Promotional offer valid October 6, 2025, through January 31, 2026, on loan terms up to 60 months. Annual Percentage Rate (APRs) range from 7.99% to 19.74%. Advertised “as low as” APR assumes excellent borrower credit history and includes the auto pay discount and controlled payoff discount. Your APR may vary based on several factors including your creditworthiness or the length of the loan term and could be higher than the stated rate. Ask a Loan Officer for details on how your rate is determined. Members may be eligible for a .25% controlled payoff rate discount. A controlled payoff is where the Credit Union disburses loan proceeds directly to creditors at closing to pay off account balances included in the debt consolidation. Members must provide accurate payoff letters of consolidated accounts prior to loan closing. Accounts eligible for debt consolidation must be listed on the credit report and include the applicant’s name as a primary or joint owner on the account payoff letter. Members can request to receive up to $1,000 above the consolidated debt total disbursed directly into their account. Loans are subject to final credit approval. Additional terms, conditions, and limitations may apply. A Debt Consolidation loan financed for 24 months at 11.24% APR would have a monthly payment of approximately $46.72 per $1,000 borrowed. Promotional offer cannot be combined with any other offer.

Member must establish automatic loan payments on their Debt Consolidation Loan from a Georgia’s Own checking account to qualify for the .25% Auto Pay rate discount.

All consolidated debt is subject to controlled payoff to qualify for the 0.25% controlled payoff rate discount. A controlled payoff is where the Credit Union disburses loan proceeds directly to creditors at closing to pay off account balances included in the debt consolidation. If loan proceeds for the consolidated debt are disbursed directly to the Member, they will not be eligible for the controlled payoff rate discount.

Member 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 valid January 1, 2026 to January 31, 2026.