Offers

¹APY = Annual Percentage Yield. 6-Month Special CD offer valid as of August 1, 2025 and will be available for a limited time. The minimum opening deposit required to earn the advertised 4.45% APY is $500. Penalty may apply for early withdrawal. Fees may reduce earnings on an account. Offer may be withdrawn without notice.

²Offer only valid August 1, 2025 through October 31, 2025. Georgia’s Own will give you $200 when you open up a new All Access Checking account. The bonus will be paid within 90 days after account opening and is subject to the following requirements: the member must establish direct deposits totaling at least $2,500 per statement cycle; the member must register for online banking; the account must be open and in good standing at the time the bonus is paid, and the member must complete 10 debit card transactions within each of the two statement cycles after account opening. Membership is required. Accounts are subject to approval. Terms and conditions will apply. All Access Checking: all balances earn 0.01% APY. Annual Percentage Yield (APY) is current as of August 1, 2025 and subject to change after account opening, fees can reduce earnings. 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 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 3 years. You can receive only one new checking account opening related bonus every two years from the last enrollment date.

³ APR = Annual Percentage Rate. Rates effective as of August 1, 2025 and are 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 variable-rate 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.

⁴Member 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.