New to Georgia's Own?
Welcome, rookie. Learn more about us and join our roster of 240,000+ members across the state.
Score big with these special offers
Simplify your spending
Enjoy easy checking with no hidden fees and get a $200 cash bonus when you open a new All Access Checking account.1
Don't just save, earn
With rates up to 3.50% APY2, boost your savings and access your money whenever you need it.
Make tax season less taxing
Take the sting out of tax season and cover what you owe with low rates on personal lifestyle loans.
Auto pay = auto savings
Sign up for auto pay and save even more on your auto, motorcycle, boat, or RV loan rate. On top of low rates and flexible terms, get an extra .25% off your rate.3
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!
Beating big banks at their own game since 1934
Our History
We’ve been around for more than 90 years. See how we grew to be Georgia’s third largest credit union.
Membership
Want to join Georgia’s Own? Check our membership page to see if you’re eligible.
Georgia's Own Foundation
As the charitable arm of the Credit Union, our Foundation improves what matters in our communities.
Offer only valid January 1, 2026 through March 31, 2026. You can receive only one (1) new checking account opening related bonus every two (2) years from the last promotion enrollment date. WELCOME26 promotion code is good for one-time use. This offer may be withdrawn without notice. To receive the $200 All Access Checking Bonus: 1) open a new All Access Checking account, which is subject to approval; 2) enroll in online banking; 3) complete 15 debit card transactions within each of the first two (2) statement cycles after account opening; AND 4) establish qualifying direct deposits made into the new checking account totaling at least $1,500 per statement cycle for the first two (2) statement cycles. 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. Terms and conditions will apply. All Access Checking: all balances earn 0.01% APY. Annual Percentage Yield (APY) is current as of March 1, 2026 and subject to change after account opening. Fees can reduce earnings. Georgia’s Own may change or discontinue this offer at any time 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 three (3) years.
Rates effective March 1, 2026 to March 31, 2026. Minimum opening deposit is $2,500. Rates are variable and are subject to change without notice. The minimum balance required to earn the advertised 3.50% APY is $1,000,000. Minimum balance of $2,500 required to earn dividends. Subject to a $10 monthly fee if the minimum is not met. Fees may reduce earnings on this account. For more information, view our Truth in Savings Disclosure.
Member must establish auto pay on their direct vehicle loan from a Georgia’s Own checking account to qualify for rate discount. Cannot be combined with any other offer. Offer valid March 1, 2026 to March 31, 2026. Employees are not eligible for auto pay rate discount.
