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Coindexter Club
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Thank you for choosing Georgia’s own!
Coindexter Club program
Georgia’s Own cares about the financial success of all our members—that’s why we offer the Coindexter Club for children up to age 13. Your child will learn how to earn, save, spend, manage, and invest money, plus membership in the Coindexter Club is free when you open a savings account in your child’s name and make an opening deposit of $5.
The Coindexter Club aims to make learning fun for your child and easy for you. The articles, activities, and videos are structured to challenge children at different ages and levels of development. The Coindexter Club provides kids with hours of fun as they learn lessons that will benefit them for a lifetime.
Club Features
Educational video lessons: The club’s primary learning tool is an ever-expanding collection of fun financial education videos. The video series provides information and guidance to children on a broad spectrum of money-related topics.
Newsletters: The Econopolis Observer is a quarterly, interactive newsletter mailed to each club member that contains educational articles and activities. Each theme-based newsletter also offers an engaging interactive feature that allows children to scan QR codes to access the latest video as well as the quarterly-featured game or activity.
Once the account is opened, Coindexter Club members receive:
- A welcome letter
- Quarterly newsletters
- Birthday cards
When a new account first reaches $250, stop into any Georgia’s Own branch to pick up a free gift. Once the account reaches $500, members are eligible for a second gift.
Let the fun and learning begin!
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