For information on the Economic Impact Payments (stimulus checks), please view our FAQs.
Visit our locations page for the most up-to-date branch hours.
Online Banking Login
Close
What would you like to search for?
MAM-working
You have safely logged out of online banking
Thank you for choosing Georgia’s own!
#MemberAppreciationMonday
It’s officially #MemberAppreciationMonday, where we offer members monthly discounts and giveaways just for being one of Georgia’s Own.
Through April 30th, enjoy one hour of free bike time from Atlanta’s Relay Bike Share with code GOAPRIL2021. With 75 stations throughout Downtown, Midtown, Buckhead, and more, you have quick and easy access to more than 500 bicycles.
To rent a bike, download HOPR Transit on the App Store or Google Play. From there, scan the QR code on the handlebars, check the brakes, and you’re all set—it’s that easy.
#MemberAppreciationMonday is one way that Georgia’s Own is working to surprise and delight our members. Please check back the first Monday of each month for a new offer or discount.
*Offers are subject to the terms, conditions, and restrictions of the retailer. Purchase may not be refundable. Additional fees may apply. Availability is not guaranteed. Products/Services which are provided by third parties or any affiliates are not products or services of the Credit Union. If the purchase of same is facilitated by or through a Credit Union promotional code or offer, such is merely a benefit to the member and in no way creates any contractual or other relationship between the member and the Credit Union with regard to any such products or services. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between the party providing such products or services. The Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.
#MemberAppreciationMonday is one way that Georgia’s Own is working to surprise and delight our members. Please check back the first Monday of each month for a new offer or discount.
As a company engrained in our local communities, we strengthened our connections in the areas we serve. In 2016 we became the presenting sponsor of Atlanta’s Relay Bike Share program and continue to work with a number of key partners.
Points:
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.
Annual Percentage Rate (APR):
A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
Loan Assumptions and Disclosures
These sample rates are published weekdays at 10:00am EST.
The information provided is general and assumes only the following scenario:
- Purpose of the loan: Purchase a property.
- Property location: Atlanta, GA 30303
- Property Type: Existing single family home
- Property Use: Primary residence
- Estimated property value: $200,000
- Estimated down-payment: $40,000
- Loan amount: $160,000 (80% Loan to Value)
- Credit Score: 740
- Escrow (impound) account is required.
- Rate lock period is 45 days.
- Fees: $3000 to estimate closing costs in order to approximate an APR.
Georgia's Own Credit Union Loan Options
Mortgage Type:
5/5 ARM
Advantages:
- Interest rate stays fixed for first 5 years. Adjusts every 5 years thereafter.
Best Choice If:
- The benefits of both a Fixed and ARM product.
Disadvantages:
- Interest rate and monthly payments will adjust in the future.
- Interest rate can rise above the current fixed rates over time.
ARM Features:
- Fixed for 1st 5 years, adjusts every 5 years after.
Georgia's Own Credit Union Loan Options
Mortgage Type:
30-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- Allows for higher loan amount qualification and enhanced buying power.
- No risk that changing market conditions will increase your monthly payments.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
Disadvantages:
- Benefits of the fixed rate are not realized until after the 10th year. (10/1 ARM is a better option if loan is paid-off within 10 years.)
Georgia's Own Credit Union Loan Options
Mortgage Type:
15-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- No risk that changing market conditions will increase your monthly payments.
- The loan balance will decrease more rapidly than a 30 Year mortgage.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
- You would like to pay-off the loan balance quickly.
Disadvantages:
- Monthly payments are higher than a 30-year mortgage
Sample Payment:
- Please click on the P&I link at