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.

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.

⁶APR = Annual Percentage Rate. Rates effective as of October 1, 2024. Rates are variable and subject to change without notice. Advertised “as low as” APR assumes excellent borrower credit history. Your APR may differ from the one shown and will be based on several factors including your credit worthiness and loan to value. To open your Home Equity Line of Credit (HELOC) account, you may have to pay certain third-party fees that generally range from $200.00 to $2,300.00. The minimum APR is 4.00% and it will not exceed 18.00%. Property and/or flood insurance may be required. Loans are subject to credit approval. Additional terms, conditions and limitations may apply. Offer is subject to change without notice. Maximum loan amount up to $500,000 for primary residence only. CLTV up to 95% on loan amounts ranging from $10,000 – $250,000. CLTV up to 90% on loan amounts ranging from $250,001 – $500,000. Mortgage insurance approval may be required. A HELOC is not offered on investment/rental properties or vacation/second homes. Property and/or flood insurance may be required.

⁷APR = Annual Percentage Rate. Rates effective as of October 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 @ 5.24% APR would have a monthly payment of approximately $23.14 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.