For information on which branches are open for drive-thru service or lobbies remain unavailable for walk-in traffic, check here. Please note, the Morrow branch lobby is still open.

We Are Open and Here For You

With the recent announcement from Governor Kemp outlining a shelter-in-place order, we wanted to assure you that you will continue to have uninterrupted access to your finances through Georgia’s Own. As a financial institution, the Credit Union is considered an essential service and, as such, able to continue to serve you via drive-thru and phone service at our branch locations, online and mobile banking options, TeleTalk, and through our Member Services Department. We invite you to connect with us in any of the following ways:

• Drive-thru service. While our lobbies remain temporarily unavailable (with the exception of our Morrow location), each branch with a drive-thru option remains open and able to perform most transactions you’ve come to depend on in the lobby, including loan applications via phone or email. In accordance with the mayor’s stay-at-home order, our GPC branch lobby is also unavailable for walk-in traffic, but our staff is available by phone and email to assist. Click here for a complete list of drive-thru locations.

• Online and mobile banking with remote check deposit is open 24/7 from your laptop, tablet, or smartphone.

• Our Member Services Department is available at 800.533.2062 for general questions, concerns, or help with transactions. Their hours are Monday – Friday 8am – 6pm and Saturday from 9am – 1pm.

• TeleTalk allows you to conduct most transactions over the phone and is available 24/7 at 800.533.3817, option 1.

• Access your account at any one of our 85,000+ surcharge-free ATMs.

• All of our loan applications are available online.

These unprecedented events have brought uncertainty many of us have never experienced before, and as your financial partner, we want you to know: we are here to help. Whether you are in need of assistance with your mortgage, consumer loan, Visa® credit card, small business loan, or are just concerned about your financial picture in general, please reach out to us. We have a number of tools in place to see you through this time such as a deferred payments, low-rate emergency-relief loans, and loan restructure options. For a full list and to access relief, please see “Resources for Members” below.

The health and safety of our members and staff continues to remain our highest priority, and we remain committed to providing unmatched service to you always, and especially now.

For a list of which transactions and services can be completed at our drive-thru branches, please check here.

Taking care of our members and communities…it’s what we do. In response to the current situation surrounding the COVID-19 virus, Georgia’s Own is offering members and employees a Lifestyle Loan* for those experiencing loss of household wages, additional child care costs, and/or added medical expenses as a result of COVID-19. Members can borrow up to $2,500 for 18 months.

Already have an existing loan? For each month the community is impacted by the virus, Georgia’s Own will offer our payment holiday option for all qualifying** consumer loans. For information on this, refer to the “Defer a Payment” section below.

We’re here to assist our members in good times and in bad. To learn more or apply, call 404.874.1166 (800.533.2062).

*Must be a Georgia’s Own member for a minimum of 30 days to qualify. Employees may become a member with no waiting period to qualify. Offer may be withdrawn at any time and without notice. One relief loan per qualified member. Offer expires April 30, 2020. **Excludes first mortgage loans, Home Equity loans, and Credit Cards.

To better help our members, you can defer your next payment on your consumer loan with Georgia’s Own.
To begin the form and submit online:

1. Click here and enter your name and email.
2. You will receive a special validation/access code to the email you entered.
3. Enter the validation/access code you received and click “Validate”.
4. Enter your details and click “Finish”.

You may also be able to defer your next credit card payment. Eligible Georgia’s Own credit card holders will see their minimum monthly payment waiver as on option in their next billing statements. Should you choose to defer your payment, Georgia’s Own will waive the fee. Because statement cycles differ by member, is it important to make sure that if you choose to defer your payment, that the following message appears on your statement: YOU MAY SKIP THIS MONTH’S MINIMUM PAYMENT ON YOUR ACCOUNT. FINANCE CHARGES WILL CONTINUE TO ACCRUE.

If you are experiencing a temporary financial hardship due to COVID-19, Georgia’s Own wants to be your partner through these times. Mortgage loan forbearance may help you get your payments suspended for an initial period of 90 days. For complete information, or to request Mortgage loan forbearance, please call 888.752.9132, and have your mortgage loan number available, or login to your mortgage account online.

We are temporarily waiving our fee for our payment holiday and pay-by-phone services. We encourage all members to bank by phone or internet when possible.

Having difficulty paying your Student Choice student loan? You may be able to receive a 3-month forbearance upon request for reasons related to the Coronavirus pandemic. To request a forbearance related to COVID-19, borrowers/co-borrowers in repayment should contact Student Choice by telephone at 800.723.2210.

If you’ve chosen to protect your loan with Members Protection Plus (MPP), you could be covered for loss of wages due to COVID-19. If you are involuntarily unemployed and not being paid due to the government shut down, MPP can help you make your payments while you are out of work. Affected members will be required to provide proof of unpaid employer shut down related to the pandemic. Members who are out of work due to paid shut down will not be eligible for cancellation.

The Georgia’s Own team is here to support you and your business through the Coronavirus crisis. Whether it’s applying for loans through the Paycheck Protection Program or the SBA Disaster Loan Assistance Program, evaluating your ongoing cash needs, or looking for banking services to run your financial operations during the crisis, talk to your Georgia’s Own representative for ideas and ways we can help.

Online banking is available 24/7 from your laptop or desktop.

Check out the tutorial videos below to learn about a few tools to assist you within online banking.
• How to Register for Online Banking
• How to Deposit a Check with a Mobile Device
• How to use Online Banking Bill Pay to Set Up Automatic Bill Payments

Mobile banking with check deposit is always available 24/7 from your tablet or smartphone.

Download the app today:
iOS | Android

Check out the tutorial videos below to learn about a few tools to assist you within mobile banking.
• How to Register for Online Banking
• How to Deposit a Check with a Mobile Device
• How to use Online Banking Bill Pay to Set Up Automatic Bill Payments

TeleTalk allows you to conduct most transactions over the phone and is available 24/7 at 800.533.3817, option 1.

All of our loan applications are available online.

The Georgia’s Own team is here to support you and your business through the Coronavirus crisis. Whether it’s applying for loans through the Paycheck Protection Program or the SBA Disaster Loan Assistance Program, evaluating your ongoing cash needs, or looking for banking services to run your financial operations during the crisis, talk to your Georgia’s Own representative for ideas and ways we can help.

Our financial education partner, EVERFI, is making available a new K-12 Family Portal that will allow parents to receive direct access to our library of 20+ digital courses for K-12 students for a limited time. This is a free resource, but you will need to register in order to access!

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Each year, one million students in Georgia depend on free and reduced lunch programs to sustain their nutrition. When school is not in session, however, these food-insecure children lose access to essential meals. For more than five years, Georgia’s Own and the Georgia’s Own Foundation have worked with Action Ministries and their Smart Lunch, Smart Kid program to combat this issue during the summer, but with school being out for such an extended time as the country battles the spread of COVID-19, these students need our help right now.

To support our community, the Georgia’s Own Foundation is currently accepting donations towards Action Ministries’ efforts to stop hunger during this time. A $25 donation will connect a child to food for 2 weeks, but of course any amount is greatly appreciated.

To make a donation, please click here. Please add “children” in the order notes.

Thank you for helping us improve what matters and for being there for our children.

During the month of April, the Georgia’s Own Foundation will be feeding healthcare workers at various hospitals across the state and use local restaurants to provide those meals. Supporting the frontline who are working so hard to keep our community healthy and supporting our local businesses is more important than ever now. Thanks to your donations to the Georgia’s Own Foundation, we continue to be able to give back to the people helping our state the most.

May 6th-12th is National Nurses week. Each day during that week, we will honor a nurse on the Georgia’s Own sign. Additionally, we will show our gratitude by presenting each person we feature with a $500 gift card.

May is graduation month for so many seniors across the country and because of this pandemic, seniors will not get to celebrate with a formal graduation. To help honor seniors missing this important milestone, we will be honoring a different high school or college senior each day on the Georgia’s Own sign from May 13th-18th and giving them a $250 gift card.

Paying for college is not easy, especially in these uncertain times. For those attending college in the fall, we are accepting applications for our What’s Ne[x]t Scholarship. The Georgia’s Own Foundation is giving away a total of $15,000 to three deserving students who demonstrate good financial habits, a commitment to their community, and a commendable academic record. To enter, submit a short video (five minutes or less) telling us your goals, ambitions, and what’s next for you. Applications are due by April 30th, so get filming! For official rules and to complete your application, click here.