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Offer valid October 1, 2026 through December 31, 2026. To earn the $300 bonus, you must open a new Perks+ Checking account with promotion code Bonus300 by December 31, 2026 and complete all qualifying requirements for two (2) consecutive monthly statement cycles. The first eligible statement cycle begins after the statement cycle in which you open the account. The account-opening month does not count. To qualify, you must complete the following requirements: 1) Open a new Perks+ Checking account using promotion code Bonus300 by December 31, 2026; 2) Enroll in online banking; 3) Complete ten (10) qualifying debit card purchases of $5.00 or more during each eligible statement cycle using your new Georgia’s Own debit card. ATM withdrawals do not count as qualifying debit card purchases; AND 4) Receive qualifying direct deposit(s) totaling at least $2,000 during each eligible monthly statement cycle. Your qualifying direct deposit must be set up within 30 days after account opening. Qualifying direct deposits are regular, recurring Automated Clearing House (ACH) credits, such as payroll, salary, pension, or government benefit payments, including Social Security. The following deposits DO NOT QUALIFY: payments from peer-to-peer services such as PayPal, Zelle®, Venmo, or similar services, and transfers from another Georgia’s Own deposit account. Your account must remain open and in good standing from account opening through the end of the promotion. After you meet all Perks+ Checking bonus qualifying requirements, we will deposit the bonus into your new account within 120 days after promotion enrollment. This offer cannot be combined with any other checking offer. Offer does not apply to business, employee, second, or multiple checking accounts with Georgia’s Own. Offer is not available to existing Georgia’s Own checking account holders or to anyone whose Georgia’s Own checking account was closed within the past 90 days or closed with a negative balance within the last three (3) years. You can receive only one new checking account opening related bonus every two (2) years from the last enrollment date. Account terms are effective November 1, 2026. The Annual Percentage Yields (APY) for Georgia’s Own Perks+ Checking are: 0.01% APY for balances below $1,500.00; 0.02% APY for balances from $1,500.00 to $2,499.99; and 0.03% APY for balances of $2,500.00 or more. Rates are variable and may 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. Accounts are subject to approval. Terms and conditions apply. Perks+ Checking has a monthly service charge of $6.95.

Offer valid November 1, 2026 through December 31, 2026 on loan terms up to 12 months. Advertised “as low as” Annual Percentage Rate (APR) assumes excellent borrower credit history. Your APR and loan terms 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. Minimum loan amount of $250. Maximum loan amount of $3,000. Rates are subject to change at any time. Loans are subject to credit approval. 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.

APY = Annual Percentage Yield. Offer valid as of November 1, 2026 and will be available for a limited time. The minimum opening deposit required to earn 4.10% APY is $75,000. Offer valid on new money only. Funds must not currently be on deposit with Georgia’s Own. Penalty may apply for early withdrawals. Fees may reduce earnings. APY assumes interest will remain on deposit until maturity. At maturity, your account will renew into a 2-Year CD – Interest Compounded account. Offer may be withdrawn without notice. Not available on Business CDs.

Promotional offer valid November 1, 2026 through January 31, 2027 on loan terms up to 60 months. Annual Percentage Rate (APRs) range from 7.49% 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 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.

No payment period is applicable to the first 90 days of the loan. Interest will begin to accrue as of the loan date.

Member must establish auto pay for their direct vehicle loan from a Georgia’s Own checking account to qualify for the rate discount. Offer valid through December 31, 2026.