Offers
Georgia’s Own membership has its perks. Save even more with these special offers.
Get growing with a great rate
For a limited time, you can lock in 4.39% APY1 when you open a 6-month CD.
Fetch deals for the whole family
Unlock money-saving extras with Perks+ Checking. Open an account by July 31st, and we’ll waive the first three monthly service charges.2
Savings on home loans? Sold.
Get into a new home (or build your dream home) and get .25% off your rate—for a limited time only.3
4.75 reasons to say, “why not?”
Wrap up your summer projects with 4.75% APR4 for six months on a home equity line of credit.
Auto pay = auto savings
Sign up for auto pay and save even more on your auto loan rate. On top of low rates and flexible terms, get an extra .25% off your rate.5
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!
1APY = Annual Percentage Yield. 6-Month Special CD offer valid as of July 1, 2025 and will be available for a limited time. The minimum opening deposit required to earn the advertised 4.39% APY is $500. Penalty may apply for early withdrawal. Fees may reduce earnings on an account. Offer not available on business deposits and may be withdrawn without notice.
2From May 1, 2025 through July 31, 2025, open a new Perks+ Checking account and pay no monthly service charge for the first three months.
3Receive a .25% rate discount from normal current qualified rate on any new primary residence purchase mortgage loan. Must lock in rate by July 31, 2025. Must qualify and receive final approval to be eligible. Not available on investment properties, second homes, refinances, government-sponsored loans (including FHA and VA loans), or employee loans. Cannot be combined with other rate discounts. Offer subject to change without notice. Membership is required.
4Offer valid on home equity line of credit (HELOC) applications received between July 14, 2025 and August 31, 2025. Members will receive an introductory Annual Percentage Rate (APR) of 4.75% for the first six months on a HELOC of at least $10,000 with a minimum of $10,000 being disbursed at closing. After the introductory period, your APR becomes variable and will adjust based upon The Wall Street Journal Prime Rate in accordance with your loan terms. Variable APRs as low as Prime minus 0.25% assume excellent borrower credit history, which is 7.25% as of July 14, 2025. Rates can change without notice. Your APR and loan terms may vary based on several factors including creditworthiness and loan-to-value (LTV). To open your HELOC account, you may have to pay certain third-party fees that generally range from $200 to $2,300. The minimum APR is 4.00% and will not exceed 18.00%. Property insurance is required, including flood insurance where applicable. Mortgage insurance may also be required based on the combined loan-to-value (CLTV). HELOCs are available on primary residences only. 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.
