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i[check] Youth Checking
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i[check] for teens and young adults
An i[check] account from Georgia’s Own is the perfect tool if you’re just getting started on your journey toward financial independence. Teens and young adults ages 14 to 25 are eligible for this special checking account, which includes:
- A free Visa® debit card for purchases and ATM withdrawals—your Georgia’s Own debit card also works with Apple Pay, Samsung Pay, and Google Pay
- 24/7 account access with online and mobile banking, including remote check deposit
- Free text alerts* so you can keep tabs on your spending and your account balance
The best part? There’s no monthly fee. And, just like all of our checking accounts, there are no minimum balance or direct deposit requirements.
Other i[check] Features
Ne[x]t Magazine: i[check] members have access to our quarterly Ne[x]t Magazine and Ne[x]t eNewsletter. Ne[x]t Magazine covers a range of financial topics targeted specifically to teens and young adults, interviews with local celebrities and rising stars, and more. View the current issue >>
What’s Ne[x]t Scholarship: Our What’s Ne[x]t Scholarship awards three deserving students money for college each year. Learn more >>
ACHIEVE Financial Education: Georgia’s Own is here to help you make smart choices about your money—and we offer free, interactive videos to help you do just that. Get started >>
Plus, our members who are 18+ can start building credit with our student Visa® credit card, get behind the wheel with a first-time auto loan, and cover college costs with our student loan options.
*Georgia’s Own does not charge for this service, but refer to your cell phone plan carrier for any text plan charges.
Claire
Member since 2016
Experience the difference of becoming a member at Georgia’s Own!
Open An Account
Claire
Member since 2016
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