About Us


Georgia’s Own membership has its perks. Save even more with these special offers.

Save on Closing Costs

Making home sweet home even sweeter

It’s time to get moving with $900 off closing costs through May 31st.1

Credit Card Balance Transfer

Trade stress for savings

In honor of our 90th anniversary, receive 9.00% APR for 9 months on credit card balance transfers made through July 31st to your Visa Signature®, Platinum, or Student credit card.2


A low-risk way to save

Looking for a way to save that’s low risk with the flexibility to build over time? Meet our new Flex CD. Earn 4.50% APY3 with as little as $100 ($25,000 maximum balance) for a 1-year term.


Auto pay discount

Save even more on your auto loan when you sign up for auto pay. In addition to our low rates and flexible terms, get an additional .25% off of your rate.4

Carfinder image
Auto Loans

Carfinder rate discount

Use Georgia’s Own Carfinder for your next car purchase and finance your loan with Georgia’s Own, you’ll get a rate discount of .25%.5

Member Appreciation Monday

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!


1Restrictions apply. The $900 credit towards closing costs applies to Georgia’s Own Credit Union’s mortgage loan applications received between May 1, 2024 and May 31, 2024. The mortgage loan must close by July 31, 2024 to qualify. This offer is limited to purchase of primary residences, and excludes investment properties, second homes, land loans, home equity loans, and government-sponsored loan programs, including VA and FHA loans. All applications are subject to approval under Georgia’s Own underwriting guidelines. Promotional offer subject to change without notice.

2APR= Annual Percentage Rate. For qualified members. Promotional rate valid for 9 months from date of balance transfer on any balance transfer made to a qualified Georgia’s Own new or existing Visa Signature®, Platinum or Student Visa credit card between March 1, 2024 and July 31, 2024. On new cards, balance transfer must be made within 60 days of account opening. Classic, Secured, and Business cards are excluded from this offer. To receive the promotional rate, the minimum balance transfer amount must be $500 or more. Promotional APR for Signature, Platinum and Student Visa cards is 9.00%. After that, your APR for transfers will revert to your standard variable APR of 21.24% for Visa Signature; 19.24% for Visa Platinum; 19.24% for Student Visa. APR will vary based on Prime Rate. The maximum rate and penalty rate is 29.99% APR for Signature, Platinum, and Student Visa credit cards. Balance transfer fee is 3% of the balance transfer or $10 minimum, whichever is greater. Cash advance fee is 3% of advance amount. Foreign transaction fee is 2% of each multiple currency transaction. We will not process any balance transfer requests that are from any account or loan issued by Georgia’s Own. To benefit from a grace period and avoid additional interest on purchases, you must pay your balance in full by payment due date. This includes any promotional balance transfers.

3APY=Annual Percentage Yield. APY valid from May 1, 2024 through May 31, 2024. The minimum opening deposit required to earn the APY disclosed is $100 and cannot exceed $25,000. Additional deposits are permitted until the account balance reaches the maximum balance of $25,000. If the $25,000 account maximum has been met, no additional deposits will be permitted; however, interest will continue to accrue as described in the Truth-In-Savings disclosure. One (1) penalty-free, full balance withdrawal is permitted per term resulting in the account being closed. This penalty-free, full balance withdrawal cannot be completed within the first six (6) days after any of the following transactions, i) the account is opened, ii) the initial and subsequent deposits, or iii) any partial withdrawal. Partial balance withdrawals are subject to an early withdrawal penalty. Fees may reduce earnings on an account. Limit of one (1) open Flex CD account per Primary Owner. A 12-month waiting period applies for subsequent Flex CD account openings per Primary Owner. The waiting period begins on the closure date of the most recently closed Flex CD account owned by the Primary Member. At maturity, your account will renew into a 1-Year Flex CD.

4Member 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 May 31, 2024.

5In 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.