All savings accounts, savings certificates, and checking accounts are insured to $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. IRAs are insured separately to $250,000.


Share Accounts

The dividend rates and Annual Percentage Yield for the following share accounts are based on the below tiered structure:


  • Regular Savings
  • Holiday Savings
  • Golden Bell® Savings
  • Resolution Savings
  • Club Individual Retirement Savings
Balance Dividend Rate* Annual Percentage Yield*
$5.01 - $49,999.99 0.10% 0.10%
$50,000 - $99,999.99 0.13% 0.13%
$100,000+ 0.18% 0.18%

The dividend rates and Annual Percentage Yield for the following share accounts are based on the below flat-rate structure:

Account Type Dividend Rate/APY* Minimum Balance to Earn the Stated APY
i[save] 0.18% $5.01
Coindexter Club® Savings 0.18% $5.01

Checking Accounts

Georgia's Own offers a wide variety of checking accounts based on your needs. To view a complete list of checking accounts, click here.

Account Type Dividend Rate** Annual Percentage Yield**
All Access Checking 0.05% 0.05%
Golden Bell Checking 0.05% 0.05%
i[check] 0.05% 0.05%
HSA Checking*** 0.05% 0.05%

+ Daily Balance

+ Average Daily Balance


APY = Annual Percentage Yield.

* Last dividend paid date March 31, 2015 applies to Regular Savings, Coindexter Club, i[x], and Golden Bell Savings. Fees for excess withdrawals within a quarter could reduce earnings on regular savings accounts. Dividends on savings and checking accounts are variable and are subject to change after the account is opened.

** Rate effective for June 01, 2015 applies to All Access Checking, Golden Bell Checking, i[check] and HSA Checking.

*** Distributions for qualified medical expenses are tax-free and penalty-free at any age. After age 65, distributions for non qualified medical expenses are penalty-free.