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 Offer may be withdrawn without notice.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.

³Offer 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.

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.