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Thank you for choosing Georgia’s own!
Georgia’s Own Visa Classic credit card
Looking for an easy and affordable way to pay? The Visa® Classic credit card from Georgia’s Own Credit Union offers great rates, 24/7 account access, online reporting tools, and more. Our Visa Classic is also the perfect card to help you establish credit or pay off debt faster.
Apply for a Visa Classic card
Features
- Simple, no-frills credit card for affordable, everyday spending
- Good for establishing credit or paying off debt faster
- Secured option available1
- Works with Apple Pay, Samsung Pay, Google Pay, and LG Pay®
- Simplify online payments with Visa Secure Remote Commerce
- Low rates
- No annual fee
- $0 fraud liability guarantee from Visa2
Rates & Fees
Georgia’s Own has some of the best rates around. Check out our current rates and fees for our Visa Classic credit card below.
| Interest Rate and Interest Charges for Visa® Classic | |
|---|---|
| APR for Purchases | 23.24%* This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 23.24%* This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 23.24%* This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | 29.99% This APR may be applied to your account if at any time your account is 60 days or more past due. How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due. |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| Minimum Interest Charge | None |
How Will We Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Information printed is accurate as of September 1, 2023. For an update on information call the Visa® Department at 800.533.2062 (404.874.1166) or by email. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.
*Your variable Annual Percentage Rate may be adjusted monthly and will be determined by adding a margin of 14.74% to the highest U.S. Prime Rate published in The Wall Street Journal five business days preceding the 1st calendar day of the month. If the Journal is not published on that day, then see the immediately preceding edition. If the Prime Rate increases, variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. Your rate will not be more than 29.99%, regardless of The Wall Street Journal Prime Rate.
**Fee for cash advance is 3% of advance amount. Fee for balance transfer is 3% of transfer amount or $10, whichever is greater. Fee for foreign transactions is 2% of each currency transaction in U.S. dollars.
| Fee | Amount |
|---|---|
| Annual Fee: | FREE |
| Cash Advance: | 3% of cash advance amount |
| Balance Transfer Fee: | 3% of the balance transfer; $10 minimum |
| Foreign Transaction: | 2% of the U.S. dollar amount of each transaction |
| Late Payment: | Signature - up to $37 (if payment is 15 days late) Platinum - up to $37 (if payment is 15 days late) Classic - up to $37 (if payment is 15 days late) Classic Secured - up to $37 (if payment is 15 days late) Student - up to $25 (if payment is 15 days late) How can I avoid this fee? Schedule recurring payments through online banking to ensure you always pay on time. |
| Returned Payment: | Signature - up to $37 Platinum - up to $37 Classic - up to $37 Classic Secured - up to $37 Student - up to $25 How can I avoid this fee? Ensure the funding account has enough available funds for the check to clear. Alternatively, you can pay your credit card electronically through online banking or directly through the credit card portal. |
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.
Details & Disclosures
1A secured card allows those with low credit or no credit to have a credit card that is ‘secured’ by money in a savings account.
2Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify Georgia’s Own immediately of any unauthorized use. For specific restrictions, limitations and other details, please contact Georgia’s Own.
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