Please do not click on suspicious links from texts that appear to be from Georgia’s Own and be vigilant about providing information when receiving calls.
Please do not click on suspicious links from texts that appear to be from Georgia’s Own and be vigilant about providing information when receiving calls.
Routing Number: 261071438
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With more than 85 years of experience helping our members meet their financial needs and 200,000+ members, Georgia’s Own Credit Union is one of the strongest and most trusted financial institutions in Georgia.
Becoming a member is easy. There are 5 ways you can qualify for membership:
1. COUNTY RESIDENCE/EMPLOYMENT
Be a resident or employed in one of the following counties in Georgia: Appling, Atkinson, Bacon, Baker, Barrow, Bartow, Ben Hill, Bleckley, Brantley, Brooks, Calhoun, Camden, Carroll, Charlton, Chatham, Cherokee, Clarke, Clay, Clayton, Clinch, Cobb, Coffee, Colquitt, Columbia, Coweta, Crisp, Decatur, Dekalb, Dodge, Dougherty, Douglas, Early, Effingham, Fayette, Forsyth, Fulton, Glynn, Gwinnett, Hall, Henry, Jeff Davis, Laurens, Lee, Lowndes, McIntosh, Meriwether, Mitchell, Newton, Paulding, Pierce, Pulaski, Quitman, Randolph, Richmond, Rockdale, Spalding, Sumter, Stephens, Stewart, Telfair, Terrell, Thomas, Tift, Walton, Ware, Wayne, Webster, Wheeler, Wilcox, or Worth.
2. GETTING AHEAD ASSOCIATION
If you live in Georgia and are a member of the Getting Ahead Association (GAA), you are also eligible for membership in Georgia’s Own Credit Union. GAA is designed to help you gain access to the information that you need to improve your quality of life and reduce the cost of living. Membership is eligible to any individual who is committed to improving their financial well-being. If you are not a member of GAA, a Georgia’s Own Credit Union Representative can help you get started.
3. GEORGIA STATE UNIVERSITY PARTNERSHIP
Be a current student, faculty or staff employee, retiree, or alumni of Georgia State University.
4. FAMILY MEMBER
Be a family member of a current Georgia’s Own Credit Union member. Anyone related by blood, adoption, or marriage is eligible.
5. PREMIER PARTNER EMPLOYEE / RETIREE
Be an employee or retiree of one of our Premier Partners. For a list of all of our Premier Partners, click here.
If your employer is not presently a Premier Partner or if you would like to know more about offering this great benefit to your employees, click here for more information.
To get started, simply complete our easy online application process. Once approved, a minimum deposit of $5 is required to establish your membership. This $5 refundable deposit represents your “share” in Georgia’s Own and is held on deposit as long as you are a member. Click the button below to get started.
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.
A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
These sample rates are published weekdays at 10:00am EST.
The information provided is general and assumes only the following scenario:
5/5 ARM
30-Year Fixed
15-Year Fixed