Products & Services | saving certificates & IRAs

We have a number of ways to help you save for the long term. You can choose one of our varying length Savings Certificates or Individual Retirement Accounts.

Earn More When You Save More

The more you invest, the higher the rate. With six available rate tiers and fixed rate terms from 6 months to 5 years, you can choose the right option for you. Savings certificates may be purchased for as little as $500 and have 10 days at maturity to withdraw funds without penalty. View all certificate rates by visiting our rates page.

Flexibility and Control

Laddering Certificates

Earn a higher rate on your overall portfolio using the investment strategies of laddering your certificates. By evenly dividing your investment amount into 1, 2, 3, 4 and 5 year certificates, with automatic renewal into 5 year certificates, you maximize your return and have a portion of your investment available for withdrawal each year.

Why Choose a Laddering CD?

Rates listed above are for illustrative purposes only. Please consult our rates page for current rates.

Own Your Rate

This bump rate certificate gives you the control to bump up your rate should a higher rate become available for that term. Available terms include 22, 33 and 44 months for a one-time bump and a 55 month for a two-time bump option. You may call or come into a Georgia's Own branch and have the interest rate raised to match the new, higher rate for the remainder of the term. Have the peace of mind that if rates go up you are not 'locked in'.

Laddering and bump rate certificate options are not available on IRAs.

Need More Earning Power?

Invest where you belong - check out Georgia's Own Investment and Retirement Services*

Money management, investment planning, retirement planning, and education funding are just a few of the many services offered. The personal attention and experience of a professional can help you achieve your financial goals
and provide a wealth of knowledge from a qualified source. There is no cost or obligation to meet with a financial advisor. Click here for more information.

For complete details, contact Georgia's Own Investment and Retirement Services at 404.874.1166 or 800.533.2062 ext. 7255.

IRA Brochures (click on the brochure you wish to view)

Important Information

There are substantial penalties for early withdrawal on all time deposit accounts.Your deposits in savings, savings certificates, and sharedraft/checking accounts at Georgia's Own Credit Union are insured to $250,000, with IRAs insured separately to $250,000 by NCUA.

Back to top

* Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.

  • Become a Fan of Georgia's Own
  • Follow Us on Twitter
  • View Our Videos
  • Text GOCU to 43704
  • Save 10% on TurboTax Deluxe Federal

If you used our old online banking and have logged in within the previous 12 months, select 'Cancel' below and enter your Georgia's Own account number in the 'Enter your username' field. You will then be asked to provide your password from the old online banking on the next screen.

Click here for a step-by-step guide on your first login into the upgraded system.

If you did NOT use our old online banking or have not logged in within the previous 12 months, select 'Continue' below.