georgia’s own| News

Georgia State University VISA® Credit Card

Georgia’s Own is pleased to announce our partnership with Georgia State University by offering the GSU Visa® Credit Card. This customized credit card, with two designs to choose from, is now available. If you are an alumni, show your Panther Pride and support the GSU Alumni Association with each purchase!

The GSU Visa Credit Card offers a number of great benefits which include a low rate, no annual fee, and points earned for every dollar charged--which can be redeemed for travel, gift cards, and more! Plus, it is the only card that directly supports the Georgia State University Alumni Association.


Visit GSUCreditCard.com for more information.



Now's the time to cut your 30-year mortgage term in half

Saving a few dollars off of your monthly mortgage payment seems nice. But, refinancing isn't just about getting a lower and lower rate on a 30-year mortgage. With a strategic refinance from Georgia's Own, we can help you pay off your home faster, freeing you up to accomplish more of your long-term goals.

Our Mortgage Specialists will ask you impactful questions to understand what your needs are and what you are trying to accomplish by refinancing. We'll help you every step of the way with the application process, and even find other opportunities to save you additional money.

With extremely competitive rates on 10-, 15-, and 20-year mortgages, you could save tens, even hundreds of thousands of dollars over the life of your mortgage*, helping you to build your nest egg and plan for the future.

When it comes to refinancing, think Georgia's Own. To get started, call 404.874.1166 (800.533.2062), option 4.





85,000 Reasons to Check with Georgia's Own


Georgia's Own is now part of the Allpoint network, which means you may never have to pay another ATM surcharge again! You now have access to more than 85,000 surcharge-free ATMs nationwide through the Allpoint and CO-OP networks. Best of all, there’s no forms to fill out or sign-up fees. You need only to look for the Allpoint or CO-OP logos to enjoy surcharge free transactions or click here to find an ATM near you.

 

• Surcharge-Free Transactions
• 85,000 ATMs Nationwide
• No Sign-up Fee
• No Forms to Complete
• FREE Debit Card - Now. Always.
• Use Your Georgia's Own ATM or Visa® Debit Card
• Start Saving Today


Please Note: Some ATM’s may still display a surcharge screen during your Allpoint ATM transaction. If this happens, simply enter ‘Yes’ to accept the surcharge and proceed with your withdrawal. YOU WILL NOT BE CHARGED THE SURCHARGE. Georgia's Own maximum withdrawal fees may apply.



Summary of Merchant Surcharging


Due to an antitrust settlement last summer, retail and online merchants are now allowed to charge consumers a fee between 1.5% and 4% for accepting MasterCard and VISA payments.

Not all merchants will be charging this fee. For example, WalMart has publicly stated it will not be surcharging customers. Any retailer choosing to charge the fee must provide conspicuous signage indicating the surcharge, plus notices at check out and on receipts. Online merchants charging the fee must post the information on their websites.

The fee, when charged, is not being imposed by the credit union, and does not apply to purchases made using debit cards.

Click here for more information.