Please do not click on suspicious links from texts that appear to be from Georgia’s Own and be vigilant about providing information when receiving calls.
Please do not click on suspicious links from texts that appear to be from Georgia’s Own and be vigilant about providing information when receiving calls.
Routing Number: 261071438
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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
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 | 16.24%-19.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | 16.24%-19.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.** |
APR for Cash Advances | 16.24%-19.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.** |
Penalty APR and When it Applies | 19.99%* 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 January 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 quarterly and will be determined by adding a margin between 8.74% and 13.74% to the Prime Rate published in The Wall Street Journal five business days preceding January 1st, April 1st, July 1st, and October 1st each year. Your rate will not be more than 19.99%, regardless of The Wall Street Journal Prime Rate. Your Annual Percentage Rate and margin may vary according to your creditworthiness and qualifications. The Penalty APR is a variable rate determined by adding 14.74% to 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 |
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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. |
Have a question about our Visa credit cards? We’ve got answers.
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.
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.
A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
These sample rates are published weekdays at 10:00am EST.
The information provided is general and assumes only the following scenario:
5/5 ARM
30-Year Fixed
15-Year Fixed