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Member Appreciation Monday
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Discounts and savings for Georgia’s Own members
It’s officially #MemberAppreciationMonday, where we offer members monthly discounts and giveaways just for being one of Georgia’s Own.
Get $5 off general admission at the Fernbank Museum
Discover a world of wow at Atlanta’s science and nature experience with $5 off general admission tickets to Fernbank Museum. Dinosaurs, live animal and more—there is a lot to discover at Fernbank! Explore the science of color with The Nature of Color before it closes May 7th. This vibrant exhibit explains how color conveys information and helps us make sense of the world in both human and natural environments. Plus, stay tuned for Survival of the Slowest, where you can explore the similarities and differences in species’ traits and how these attributes impact their survival strategy.
To purchase tickets:
- Visit fernbankmuseum.org and click “Buy Tickets”
- Select your date, time, and quantity of tickets
- Enter promo code GaOwn23
- Continue checking out
#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.
*Discount is NOT valid for existing reservations, any special events, previous purchases, group or education orders and in Daily or Advance Sales. May not be combined with any other discount or promotion.
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.
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