loans & Mortgages

Whether you're in the market for an automobile, an armoire, or an Australian vacation, our low interest rate loans can help you with these purchases.

Enjoy a Payment Holiday on Us!
If You would like to Skip a Payment – Click Here.

Our Loans are a perfect 10!
We've got 10 great reasons to borrow from Georgia's Own Credit Union!

1. Establish a loan 24/7 over the phone or online.
2. No hidden fees or prepayment penalties.*
3. Payroll deduction or automatic transfer of payments from your Georgia's Own account.
4. Great rates!
5. MEMBER'S CHOICE® payment protection available on all consumer loans.**
6. Optional extended warranties available on auto loans.
7. We will package a loan according to your needs and requests.
8. Georgia's Own is convenient and local.
9. Personal service. We do not charge you to speak with a Georgia's Own representative in a branch or over the phone.
10. Flexible payment terms.

To be eligible for a loan with Georgia's Own, you must be a member and be at least 18 years of age. If you aren't currently a member but qualify for membership, we can open your account at the same time that we process your loan.

Establishing a loan is fast and easy!

If you are ready to get started, just click 24/7 Lending. If you want to speak to a loan officer directly, call (404) 874-1166 or (800) 533-2062. Loan Officers are available 24 hours a day, 7 days a week.

For immediate loan assistance, you can also contact us by:
• Stopping by any Georgia's Own Branch Office
• Calling TELE-TALKPlus 24 hours a day, 7 days a week at (404) 874-0242 or (800) 533-3817 (listen for loan options)
• Fax at (404) 881-2950

* Application fees do apply to mortgage loans.

** MEMBER'S CHOICE® Credit Life and Disability payment protection can be important supplements to your current financial protection plan. In case of death or a disabling illness or injury, this protection frees your family's income for living expenses-helping to maintain the quality of life you've worked so hard for. It also protects your loan collateral and good credit rating. The payment protection can be rolled into your loan amount without increasing your monthly payments. Plus, you only buy enough protection to cover your loan balance. The premiums end once the loan is paid off. Contact a Georgia's Own representative for complete information on the payment protection and a 30 day "free look".

        Balance Financial Fitness Program

Take Control of Your Finances for FREE!

Georgia's Own has partnered with BALANCE to offer credit counseling, debt management, housing education and other great services for FREE! Click here to learn more.


Online Banking Login

  • Become a Fan of Georgia's Own
  • Follow Us on Twitter
  • View Our Videos
  • Text GOCU to 43704
  • Save 10% on TurboTax Deluxe Federal

If you used our old online banking and have logged in within the previous 12 months, select 'Cancel' below and enter your Georgia's Own account number in the 'Enter your username' field. You will then be asked to provide your password from the old online banking on the next screen.

Click here for a step-by-step guide on your first login into the upgraded system.

If you did NOT use our old online banking or have not logged in within the previous 12 months, select 'Continue' below.