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Put Your Money to Work
Georgia’s Own Business Savings
With low balance requirements and easy to access funds, Business Savings lets you earn interest on your balance while maintaining full access to your funds.
- No minimum balance to earn interest after your $5 pledge
- No monthly service fee
- Free online banking and e-statements
Georgia’s Own Business Money Market
Our Business Money Market account rewards you with better rates as your balance grows. If you have the money, we’ll make sure it’s working hard for your business.
- Free online banking and e-statements
- Tiered rates
Certificates of Deposit
If you don’t need full access to your funds, our Certificates of Deposit are smart choices for stronger earnings than you’d get from a savings account.
- $500 minimum deposit to open
- No monthly maintenance fee
- Free e-statements
How to Apply
To open a Business Savings, Money Market or CD Account, visit any of our branch locations. For more information about these products, give us a call at 800.533.2062.
| 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 | $10 | 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 $10,000 | N/A |
| Tiered Rates | | | |
| Allowed Withdrawals | 6 withdrawals or transfers monthly | N/A | N/A |
| Existing Checking Account Required? | N/A | N/A | N/A |
| Business Debit Card | Access Available | N/A | N/A |
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