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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
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 +0.02%
0.03%
0.05%
0.10%
0.10%Click here for more info about our Business Checking options.
* Dividends on checking accounts are variable and are subject to change after the account is opened.
** Rate effective for March 1, 2019 applies to Preferred Checking. - Business Savings
The dividend rates for the following share accounts are based on the below tiered structure:
Business Savings Balance* Dividend Rate** $5.01 - $999.99 0.10% $1,000.00 - $1,999.99 0.13% $2,000 + 0.18% Click here for more info about our Business Savings account.
*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.
** Rate effective for March 1, 2019 applies to Business Savings. - Business Money Market
- Business Money Market
Balance Dividend Rate $2,500 - $9,999.99 0.60% $10,000 - $24,999.99 0.70% $25,000 - $49,999.99 0.80% $50,000 - $99,999.99 0.85% $100,000 + 0.93% Click here for more info about our Business Money Market options.
* Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. Rates are current as of March 1, 2019.
- Preferred Business Money Market
Balance Dividend Rate $0 - $99,999.99 0.95% $100,000 - $249,999.99 1.00% $250,000 - $499,999.99 1.00% $500,000 - $999,999.99 1.05% $1,000,000 + 1.10% Click here for more info about our Business Money Market options.
* Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. Rates are current as of March 1, 2019.
- Business Money Market Index Account
- Business Money Market
- 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 1.05% 1.60% 1.80% $10,000 - $24,999.99 1.05% 1.60% 1.80% $25,000 - $49,999.99 1.05% 1.60% 1.80% $50,000 - $74,999.99 1.05% 1.60% 1.80% $75,000 - $124,999.99 1.05% 1.60% 1.80% $125,000 + 1.05% 1.60% 1.80% 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 Primary Business Checking Preferred Business Checking Not-for-Profit Business Checking (Non Profit Only) eStatements 
First Order of Checks Free (1 Time Up to $52)(Annual Credit up to $99)No Free, Additional Checking Account No No Interest Bearing No See Business Deposit Account Interest Rate & Fee Disclosure for SpecificsNo Free Monthly Transactions 250 items Unlimited! 150 items Monthly Maintenance Fee $12 $20 $3 Minimum Daily Collected Balance
to Waive Monthly Maintenance Fee$1,000 $2,500 $500 Average Monthly Collected Balance
to Waive Monthly Maintenance Fee$3,000 $5,000 $1,500 Combined Average Monthly Collected Balance in Checking, Savings, Money
Market, or CD to Waive Monthly Maintenance Fee$10,000 $20,000 N/A Transaction Overage Fees $0.30 per item > 250 None $0.30 per item > 150 Free Cash Processing Up to $5,000 Up to $10,000 Up to $2,000 -
Business Savings, Money Market, and CD Account Features
Business Savings (Required for Membership) Business Money Market Preferred Business Money Market Business Money Market Index CDs Available Account Features Interest Bearing Min. Opening Deposit $5 $100 $100 $100 $500 Min. Daily Collected Balance to Waive Maintenance Fee or (Average Monthly Collected Balance to Waive Maintenance Fee) N/A $2,500 ($10,000) $10,000 ($25,000) $25,000 ($30,000) N/A Monthly Maintenance Fee No Fee $5 $12 $15 No Fee Tiered Rate Allowed Withdrawals 6 withdrawals or transfers monthly 6 withdrawals or transfers monthly 6 withdrawals or transfers monthly 6 withdrawals or transfers monthly N/A Existing Checking Account Required? N/A N/A
Required for Preferred Money Market Account
Required for Business Money Market Index AccountN/A Business Debit Card Access Available N/A N/A Card required for accompanying checking N/A - Business Deposit Account Interest Rate & Fee Disclosure