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 Annual Percentage Yield for the Health Savings Account (HSA) is based on the below tiered structure:


Account Type Balance Annual Percentage Yield*

Health Savings Account (HSA)
(Compounded Quarterly)

$5.01 - $49,999.99

0.75%
 

$50,000 - $99,999.99

0.75%
 

$100,000+

0.75%

* 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.


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%

+ Daily Balance

+ Average Daily Balance


APY = Annual Percentage Yield.

* Last dividend paid date December 31, 2014 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 Marach 01, 2015 applies to All Access Checking, i[x], and Golden Bell Checking.