Offers

¹APY = Annual Percentage Yield. 4-Month Special CD offer valid as of November 1, 2025 and will be available for a limited time. The minimum opening deposit required to earn the advertised 4.40% APY is $500. Penalty may apply for early withdrawal. Fees may reduce earnings on an account. At maturity, the promotional 4-Month Certificate of Deposit Monthly account will renew into a 6-Month Certificate of Deposit Monthly account. Offer may be withdrawn without notice. Not available on Business CDs.

²Offer valid November 1, 2025 through December 31, 2025. Offer is comprised of three (3) separate bonus opportunities worth up to $750: $300 All Access Checking Bonus, $200 Primary Savings Bonus, and $250 Extra Bonus. All Access Checking Bonus offer is not available to existing Georgia’s Own Credit Union checking members. Primary Savings bonus offer is not available to existing Georgia’s Own Credit Union savings members. The Extra Bonus offer is not available to members whose accounts have been closed within 90 days or closed with a negative balance within the last three (3) years. Business and employee accounts are excluded. You can receive only one (1) new checking and one (1) new savings account opening related bonus every two (2) years from the last promotion enrollment date and only one (1) bonus per account. WELCOMEFALL promotion code is good for one-time use. This offer may be withdrawn without notice. To receive the $300 All Access Checking Bonus: 1) Open a new All Access Checking account, which is subject to approval; 2) enroll in online banking; 3) complete 10 debit card transactions within each of two (2) statement cycles after account opening; AND 4) have a direct deposit of at least $2,500 for two (2) consecutive statement cycles made into the new checking account. Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person-to-Person payments are not considered a direct deposit. After you have completed all the above All Access Checking Bonus requirements, we’ll deposit the bonus in your new account within 120 days of promotion enrollment. To receive the $200 Primary Savings Bonus: 1) Open a new Georgia’s Own Primary Savings account, which is subject to approval; 2) deposit a total of $15,000 or more in new money into the new savings account within 30 days of promotion enrollment. The new money cannot be funds held by you at Georgia’s Own Credit Union; AND 3) Maintain at least a $15,000 balance in the new savings account for 90 days. After you have completed all the above Primary Savings Bonus requirements, we’ll deposit the bonus in your new account within 120 days of promotion enrollment. To receive the $250 Extra Bonus: You must open the checking and savings account at the same time and complete all requirements above for BOTH the All Access Checking Bonus and Primary Savings Bonus. After you have completed the All Access Checking and Primary Savings Bonus requirements, we will deposit the remaining bonus due in your new account within 150 days of promotion enrollment. To receive any of the above bonuses, the enrolled account(s) must be open and in good standing at the time of bonus payout. Eligibility may be limited based on account ownership. Account terms are effective as of November 1, 2025. The Annual Percentage Yield (APY) for Georgia’s Own All Access Checking is 0.01% APY for all balances. Rates are variable and subject to change at any time. Fees may reduce earnings. The minimum opening balance for Georgia’s Own Primary Savings is $5.00. APYs by tier: $5.01 to $49,999.99 – 0.10% APY, $50,000 to $99,999.99 – 0.15% APY, $100,000 or greater – 0.20% APY. Rates are subject to change at any time. Fees may reduce earnings. Bonuses are considered income for tax purposes and will be reported to the IRS as required by law.

³Promotional offer valid October 6, 2025, through January 31, 2026, on loan terms up to 60 months. Annual Percentage Rate (APRs) range from 7.99% to 19.74%. Advertised “as low as” APR assumes excellent borrower credit history and includes the auto pay discount and controlled payoff discount. Your APR may vary based on several factors including your creditworthiness or the length of the loan term and could be higher than the stated rate. Ask a Loan Officer for details on how your rate is determined. Members may be eligible for a .25% controlled payoff rate discount. A controlled payoff is where the Credit Union disburses loan proceeds directly to creditors at closing to pay off account balances included in the debt consolidation. Members must provide accurate payoff letters of consolidated accounts prior to loan closing. Accounts eligible for debt consolidation must be listed on the credit report and include the applicant’s name as a primary or joint owner on the account payoff letter. Members can request to receive up to $1,000 above the consolidated debt total disbursed directly into their account. Loans are subject to final credit approval. Additional terms, conditions, and limitations may apply. A Debt Consolidation loan financed for 24 months at 11.24% APR would have a monthly payment of approximately $46.72 per $1,000 borrowed. Promotional offer cannot be combined with any other offer.

⁴Member must establish automatic loan payments on their Debt Consolidation Loan from a Georgia’s Own checking account to qualify for the .25% Auto Pay rate discount.

⁵All consolidated debt is subject to controlled payoff to qualify for the 0.25% controlled payoff rate discount. A controlled payoff is where the Credit Union disburses loan proceeds directly to creditors at closing to pay off account balances included in the debt consolidation. If loan proceeds for the consolidated debt are disbursed directly to the Member, they will not be eligible for the controlled payoff rate discount.

⁶Offer valid October 6, 2025 through December 31, 2025 on terms up to 12 months. Advertised “as low as” Annual Percentage Rate (APR) assumes excellent borrower credit history. Your APR may vary based on several factors including creditworthiness and may be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Maximum loan amount of $3,000. Minimum loan amount of $250. Loans are subject to credit approval. Rates are subject to change at any time. Additional terms, conditions, and limitations may apply. A holiday loan financed for 12 months at 8.49% APR would have a monthly payment of approximately $87.22 per $1,000 borrowed.

⁷APR = Annual Percentage Rate. Rates effective as of November 1, 2025. Promotional period begins November 1, 2025 and ends November 30, 2025. Advertised “as low as” APR assumes excellent borrower credit history. Your APR and loan terms may vary based on several factors including creditworthiness, age of the vehicle, or length of the loan term. Your actual APR may be higher than the stated rate. Payment example: A 2024 auto financed for 36 months @ 3.99% APR would have a monthly payment of approximately $29.52 per $1,000 borrowed. Advertised rate and payment example include a 0.25% auto pay rate discount. Please ask a loan officer for details on how your rate is determined. Loans are subject to credit approval. Additional terms, conditions, and limitations may apply.

⁸Member 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.