Offers

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.

⁵Open a new Coindexter Club savings account available for ages 12 and younger, and we’ll match your first deposit up to $90.00. The initial deposit must be made between December 1, 2024 and December 31, 2024 and remain in the account for 90 days to be eligible for the bonus. The bonus will be credited to the account within 90 days from account opening. Account must be open and in good standing at the time the match is deposited or the match will be forfeited. Promotional bonus is available on new accounts for primary account holders (minors) who do not already have a Coindexter Club account. Limit one Coindexter Club account per primary (minor). Limit of one deposit match per calendar year per primary (minor). Maximum match of $90.00. Membership is required for joint (adult) account holders. Accounts are subject to approval and must be opened by a parent or guardian who is 18 years or older. Terms and conditions will apply. Annual Percentage Yields (APY) are current as of December 1, 2024. Rates are variable and subject to change after account opening. Fees may reduce earnings. Coindexter Club savings requires a minimum opening balance of $5.00. The minimum balance to earn the stated APY: balances of $5.01 to $49,999.99 earn 0.10% APY; balances of $50,000.00 to $99,999.99 earn 0.15% APY; balances of $100,000.00 or greater earn 0.20% APY. 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 savings accounts with Georgia’s Own. Offer not available to existing Coindexter Club primary (minor) account holders, or those whose Coindexter Club accounts have been closed within 90 days.

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 December 1, 2024. Promotional period begins December 1, 2024 and ends December 31, 2024. 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 2023 auto financed for 48 months @ 4.74% APR would have a monthly payment of approximately $22.91 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.

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.

⁹Payment deferment will occur in the first 60 days on new and used auto loans. Interest will accrue over the 60 days.

¹⁰In 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.