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Thank you for choosing Georgia’s own!
Georgia’s Own offers some of the best rates around.
Click on a type of account below to find out more rates and service fees. Are you looking for Personal Rates & Service Fees?
Business Rates
- Business Checking
* Dividends on checking accounts are variable and are subject to change after the account is opened.Account Type* Dividend Rate** Preferred Business Checking
-$0.00 to $1,499.99
-$1,500 to $2,499.99
-$2,500 to $9,999.00
-$10,000 to $24,999.00
-$25,000 +0.01%
0.02%
0.04%
0.08%
0.08%
** Rate effective for August 1, 2021 applies to Preferred Checking.Click here for more info about our Business Checking options.
- Business Savings
The dividend rates for the following share accounts are based on the below tiered structure:
*Fees for excess withdrawals within a quarter could reduce earnings on regular savings accounts. Interest on savings and checking accounts are variable and are subject to change after the account is opened.Business Savings Balance* Dividend Rate** $5.01 - $999.99 0.08% $1,000.00 - $1,999.99 0.11% $2,000 + 0.16%
** Rate effective for August 1, 2021 applies to Business Savings.Click here for more info about our Business Savings account.
- Business Money Market
* Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. Rates are current as of August 1, 2021.Balance Dividend Rate $2,500 - $9,999.99 0.40% $10,000 - $24,999.99 0.40% $25,000 - $49,999.99 0.50% $50,000 - $99,999.99 0.55% $100,000 + 0.60%
Click here for more info about our Business Money Market options. - Business Certificates of Deposit
The minimum certificate investment is $500.00. Penalty applies for early withdrawal. Fees may reduce earnings on an account.
Tiers 6 Month 1 Year 2 Year $500 - $9,999.99 0.60% 0.87% 1.20% $10,000 - $24,999.99 0.60% 0.87% 1.20% $25,000 - $49,999.99 0.60% 0.87% 1.20% $50,000 - $74,999.99 0.60% 0.87% 1.20% $75,000 - $124,999.99 0.60% 0.87% 1.20% $125,000 + 0.60% 0.87% 1.20% Click here for more info about our Business CDs & Savings Accounts.
Business Service Fees & Features
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Business Checking Account Features
Available Account Features Preferred Business Checking Primary Business Checking Not-for-Profit Business Checking (Non Profit Only) Earns Interest 
See Business Deposit Account Interest Rate & Fee Disclosure for SpecificsNo No Free Monthly Transactions Unlimited! 250 items 150 items First Order of Checks Free (Annual Credit up to $99)(1 Time Up to $52)No Free, Additional Checking Account No No Monthly Maintenance Fee $20 $12 $3 Transaction Overage Fees None $0.30 per item > 250 $0.30 per item > 150 Free Cash Processing Up to $10,000 Up to $5,000 Up to $2,000 How to avoid the monthly fee:
Do just one of these things each statement cycleMaintain a minimum daily collected balance of $2,500 or more
or
Maintain an average monthly collected balance of $5,000
or
Maintain a combined average monthly collected balance of $20,000 in Checking, Savings, Money
Market, or CD'sMaintain a minimum daily collected balance of $1,000 or more
or
Maintain an average monthly collected balance of $3,000
or
Maintain a combined average monthly collected balance of $10,000 in Checking, Savings, Money
Market, or CD'sMaintain a minimum daily collected balance of $500 or more
or
Maintain an average monthly collected balance of $1,500
or
Maintain a combined average monthly collected balance of $5,000 in Checking, Savings, Money
Market, or CD's -
Business Savings, Money Market, and CD Account Features
Business Savings (Required for Membership) Business Money Market CDs Available Account Features Interest Bearing Min. Opening Deposit $5 $100 $500 Monthly Maintenance Fee No Fee $5 No Fee How to avoid the monthly fee: Do just one of these things each statement cycle N/A Maintain a minimum daily collected balance of $2,500
or
Maintain an average monthly collected balance of $10,000N/A Tiered Rates Allowed Withdrawals 6 withdrawals or transfers monthly 6 withdrawals or transfers monthly N/A Existing Checking Account Required? N/A N/A N/A Business Debit Card Access Available N/A N/A - Business Deposit Account Interest Rate & Fee Disclosure