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Thank you for choosing Georgia’s own!
Attract, Reward, and Retain Employees—At No Cost to You
Boost your employee benefits program with Georgia’s Own Credit Union’s Bank at Work. By offering financial wellness and banking benefits as part of your employee incentive package, your employees will learn how to better manage their money, leading to happier and more engaged employees.
Bank at Work benefits your business by:
- Offering a no-cost benefit that is highly valued by your employees
- Providing on-site and virtual financial workshops
- Helping employees reduce financial stress and increase productivity
- Showing you’re invested in your employees’ financial well-being by providing Credit Union membership
Bank at Work benefits your employees with:
- Free financial wellness programs tailored to their personal needs
- Savings through low loan rates, high deposit rates, and fewer and lower fees
- Products for any need, including checking, CDs, mortgages and home equity loans, credit cards, auto loans, and credit-builder options
- Banking convenience with 24/7 mobile and online banking, branch locations across the state, and 110,000+ surcharge-free ATMs
- Unsurpassed member service from a local and trusted financial partner
- Investment in our local communities
Is my company already a partner? for a complete list.
Ready to become a Bank at Work Premier Partner? Enroll today!
Benefits for you and your employees
- Easy, no-cost addition to your employee benefits package
- Improved employee engagement
- Dedicated Bank at Work representative
- Free on-site and virtual financial education
- Better rates on loans and deposits
- Fewer and lower fees than big banks
Aaron
Member since 2017
We run Atlanta Rescue Dog Cafe like a business, but as a non-profit, our mission drives what we do.
Ready to take control of your business? Get started today.
Aaron
Member since 2017
Points:
A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
Annual Percentage Rate (APR):
A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
Loan Assumptions and Disclosures
These sample rates are published weekdays at 10:00am EST.
The information provided is general and assumes only the following scenario:
- Purpose of the loan: Purchase a property.
- Property location: Atlanta, GA 30303
- Property Type: Existing single family home
- Property Use: Primary residence
- Estimated property value: $200,000
- Estimated down-payment: $40,000
- Loan amount: $160,000 (80% Loan to Value)
- Credit Score: 740
- Escrow (impound) account is required.
- Rate lock period is 45 days.
- Fees: $3000 to estimate closing costs in order to approximate an APR.
Georgia's Own Credit Union Loan Options
Mortgage Type:
5/5 ARM
Advantages:
- Interest rate stays fixed for first 5 years. Adjusts every 5 years thereafter.
Best Choice If:
- The benefits of both a Fixed and ARM product.
Disadvantages:
- Interest rate and monthly payments will adjust in the future.
- Interest rate can rise above the current fixed rates over time.
ARM Features:
- Fixed for 1st 5 years, adjusts every 5 years after.
Georgia's Own Credit Union Loan Options
Mortgage Type:
30-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- Allows for higher loan amount qualification and enhanced buying power.
- No risk that changing market conditions will increase your monthly payments.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
Disadvantages:
- Benefits of the fixed rate are not realized until after the 10th year. (10/1 ARM is a better option if loan is paid-off within 10 years.)
Georgia's Own Credit Union Loan Options
Mortgage Type:
15-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- No risk that changing market conditions will increase your monthly payments.
- The loan balance will decrease more rapidly than a 30 Year mortgage.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
- You would like to pay-off the loan balance quickly.
Disadvantages:
- Monthly payments are higher than a 30-year mortgage
Sample Payment:
- Please click on the P&I link at