Quicknotes - Georgia's Own Credit Union

Happy New Year! 2025 was another big year for us. We were named a Top Workplace for the fourth year in a row, a distinction that not only speaks volumes about our organization, but how we’re committed to serving each other and our communities.

>I’m happy to share that we contributed over $700,000 and more than 1,100 volunteer hours to causes and organizations that mean the most to you, our members, including the Georgia’s Own Day of Service with Habitat for Humanity. Working with four chapters across the state, we had more than 100 teammates show up to paint, measure, cut, saw, nail, landscape, and organize on behalf of future Georgia homeowners and exemplify our mission of Banking on Purpose.

When the government shutdown affected many in our community, the Georgia’s Own Foundation collaborated with several partner organizations to help bridge the gap for those receiving reduced or delayed food assistance, including the Augusta University Open Paws Food Pantry, the Hope Center in Albany, Savannah Feed the Hungry, and Hope Atlanta.

To close out the year, we came together for our largest and most meaningful Toys for Tots initiative yet, with toy pick-ups across the state. Thanks to your help, and with support from the Credit Union and Georgia's Own Foundation, we donated more than 500 toys valued at approximately $13,000 to families in need. Our volunteers teamed up with the Marines to help load these gifts onto trucks for distribution—and to make the day even more special, newly crowned SEC champ Oscar Delp stopped by to join us in spreading holiday cheer.

Thank you for helping us improve what matters in 2025. We appreciate your membership and are excited to continue serving you in the new year.

Sincerely,
Dave Preter

New year, lower payments

Kick off the year with lower mortgage payments! By refinancing your mortgage, you can find the flexibility you need to take on 2026 with confidence. Talk to a mortgage specialist about our refinancing options.

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Stress less in 2026

A debt consolidation loan can help you slash your payments—and your stress levels. Take advantage of rates as low as 7.99% APR^1,2,3 and 90 days with no payments.⁴

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Make your final IRA contributions!

It may be a new year, but you still have time to make your final 2025 contributions to your IRA. Be sure to make them before April 15th, and don’t forget to mention it’s for the 2025 tax year when making your deposit. As a reminder, contribution limits can’t exceed $7,000 (or $8,000 if you’re age 50 or older).

How to be a bookworm on a budget

With the rise of TikTok, a new era of readers has come. Books and social media allow us to travel the globe and visit new worlds, all from the comfort of our coziest chair, so the pairing is a natural one. But there’s a cost that comes with rising interest in reading and new commitments to fandoms. Books can be expensive, and your reading habit can get costly fast. Whether you’re looking for a friend or to add to your own library, keep reading for six tips on how to be a bookworm on a budget.

Details & Disclosures

¹Promotional offer valid October 6, 2025, through January 31, 2026, on loan terms up to 60 months. Annual Percentage Rate (APRs) range from 7.99% to 19.74%. Advertised “as low as” APR assumes excellent borrower credit history and includes the auto pay discount and controlled payoff discount. Your APR may vary based on several factors including your creditworthiness or the length of the loan term and could be higher than the stated rate. Ask a Loan Officer for details on how your rate is determined. Members may be eligible for a .25% controlled payoff rate discount. A controlled payoff is where the Credit Union disburses loan proceeds directly to creditors at closing to pay off account balances included in the debt consolidation. Members must provide accurate payoff letters of consolidated accounts prior to loan closing. Accounts eligible for debt consolidation must be listed on the credit report and include the applicant's name as a primary or joint owner on the account payoff letter. Members can request to receive up to $1,000 above the consolidated debt total disbursed directly into their account. Loans are subject to final credit approval. Additional terms, conditions, and limitations may apply. A debt consolidation loan financed for 24 months at 11.24% APR would have a monthly payment of approximately $46.72 per $1,000 borrowed. Promotional offer cannot be combined with any other offer.

²Member must establish automatic loan payments on their debt consolidation loan from a Georgia’s Own checking account to qualify for the .25% auto pay rate discount.

³All consolidated debt is subject to controlled payoff to qualify for the 0.25% controlled payoff rate discount. A controlled payoff is where the Credit Union disburses loan proceeds directly to creditors at closing to pay off account balances included in the debt consolidation. If loan proceeds for the consolidated debt are disbursed directly to the Member, they will not be eligible for the controlled payoff rate discount.

⁴No payment period is only applicable on debt consolidation loans and to the first 90 days of the loan. Interest will begin to accrue as of the loan date.