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13-Month CD Special
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Thank you for choosing Georgia’s own!
Save More with Higher Rates on CDs
A high-yield CD from Georgia’s Own is a safe and secure way to grow your savings—especially during uncertain times.
Reach your savings goals even faster with higher rates! Our 13-Month CD rate has increased to 4.00% APY* with a $500 minimum deposit. Stop by one of our branch locations to lock in this special rate by February 28th.
Looking for a longer term? We offer competitive rates on all of our CDs, including our 5-Year CD—now at 4.25% APY** (minimum $500 deposit, rate subject to change monthly).
*APY = Annual Percentage Yield. 13-month CD offer valid January 1, 2023 through February 28, 2023. Offer may be withdrawn without notice. The minimum opening deposit required to earn the advertised APY is $500. Penalty applies for early withdrawal. Fees may reduce earnings on an account. 13-month CD will renew into a 1-Year Interest Monthly Certificate. Offer not available on business deposits.
**APY = Annual Percentage Yield. 5-Year CD offer valid from January 1, 2023 through January 31, 2023 and is available on our Savings Certificate Monthly and Savings Certificate Interest Compounded products. The minimum opening deposit required to earn the advertised APY is $500. Promotional APY assumes interest will remain on deposit for the term of the certificate. Penalty applies for early withdrawal. Fees may reduce earnings on an account. Offer is not available on business deposits and may be withdrawn without notice.
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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