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Contactless Payments
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Thank you for choosing Georgia’s own!
Your Georgia’s Own Visa® credit card is now contactless!
It’s a faster, easier, and more secure way to pay.
A quick tap is all you need to pay at many of your favorite places—like coffee shops, restaurants, grocery stores, vending machines, taxis, and more. Plus, similar to a traditional chip card, each contactless transaction generates a secure, one-time code that protects your payment information. Tap to pay anywhere you see a Contactless Symbol 
.
How to Tap to Pay:
- Make sure your card has the Contactless Indicator
and the merchant’s credit card terminal has the Contactless Symbol. - Tap your card when prompted. Your card should be within 1-2 inches of the Contactless Symbol.
- Wait for confirmation—that’s it!
Manage Your Card
Plus get enhanced fraud controls and alerts, including the ability to lock your card if it is lost or stolen, via the Georgia’s Own Card Manager app.
Don’t have a Georgia’s Own Visa credit card yet?
Convenience and accessibility come together with Georgia’s Own Credit Union Visa® credit card options. Learn more or apply today.
Frequently Asked Questions
Have a question about our Visa credit cards? We’ve got answers.
Didn’t find what you were looking for? Ask us.
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