Personal Rates & Service Fees

Model Years 2020 or newer	Approx. Term (Mos)*	APR*
	24*	2.14%*
	36*	2.14%*
	48*	2.14%*
	60*	2.14%*
$15,000 minimum	72*	2.73%*
$22,000 minimum, <30,000 miles	84*	3.33%*

Model Years 2018-2019	Approx. Term (Mos)*	APR*
	24*	2.39%*
	36*	2.39%*
	48*	2.57%*
	60*	2.66%*
$15,000 minimum, <60,000 Miles	72*	3.48%*
$22,000 minimum, <40,000 Miles	84*	3.81%*

Model Years 2016 - 2017	Approx. Term (Mos)*	APR*
	24*	3.30%*
	36*	3.30%*
	48*	3.70%*
<95,000 miles	60*	4.03%*
Minimum $15k, <75,000 miles	72*	4.40%*

Model Years 2014 - 2015	Approx. Term (Mos)*	APR*
	24*	3.89%*
	36*	4.29%*
	48*	5.08%*
<95,000 miles	60*	5.86%*

Model Years 2013 & Older	Approx. Term (Mos)*	APR*
<95,000 miles	36*	5.65%*
<95,000 miles	48*	6.44%

Single Payment - All Model Years	Approx. Term (Mos)*	APR*
	Varies	5.32%*

* Your APR may differ based on your credit worthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2020 auto financed for 48 months @ 2.14% APR would have a payment of approximately $21.76 per $1,000 borrowed. Subject to Credit Approval.

All rates and terms quoted are subject to change.

Model Years 2011 or newer	Approx. Term (Mos.)	APR*
No minimum	60*	6.44%*
$10,000 minimum	96*	6.44%*
$15,000 minimum	120*	6.19%*
$20,000 minimum	144*	5.94%*
SPECIAL RATE: $30,000 minimum. Must be 2010 or newer.	120*	5.44%*
$30,000 - $99,999	180*	5.68%*
$100,000 - $300,000	180*	5.44%*

Model Years 2005-2010	Approx. Term (Mos.)*	APR*
No minimum	120 max term*	Add 0.5%* to all rates above

* Your APR may differ based on your credit worthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2013 auto financed for 72 months @ 3.19% APR would have a payment of approximately $15.28 per $1,000 borrowed. For additional payment examples, please visit our loan calculator. Subject to Credit Approval.

All rates and terms quoted are subject to change.

Model Years 2015 or newer	Approx. Term (Mos)*	APR*
No minimum	60*	6.69%*
$10,000 minimum	96*	6.69%*
$15,000 minimum	120*	6.44%*
$20,000 minimum	144*	6.19%*
SPECIAL RATE: $30,000 minimum. Must be 2014 or newer.	120*	5.69%*
$30,000-$99,999	180*	5.93%*
$100,000-$250,000	180*	5.69%*

Model Years 2012-2014	Approx. Term (Mos)*	APR*
No minimum	120 max term*	Add 0.75%* to the rates above

* Your APR may differ based on your credit worthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2013 auto financed for 72 months @ 3.19% APR would have a payment of approximately $15.28 per $1,000 borrowed. For additional payment examples, please visit our loan calculator. Subject to Credit Approval.

All rates and terms quoted are subject to change.

Model Years 2017 or newer	Approx. Term (Mos)*	APR*
No minimum	36*	4.97%*
$7,000 minimum	48*	4.97%*
$12,000 minimum	60*	5.47%*
$15,000+	72*	5.72%*

Model Years 2016 & Older	Approx. Term (Mos)*	APR*
No minimum	Varies	6.02%*

* Your APR may differ based on your credit worthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2013 auto financed for 72 months @ 3.19% APR would have a payment of approximately $15.28 per $1,000 borrowed. For additional payment examples, please visit our loan calculator. Subject to Credit Approval.

All rates and terms quoted are subject to change.

Year	Approx. Term (Mos)*	APR*
Current Year Models	Varies	8.10%*
Previous Year Model	Varies	9.75%

* Your APR may differ based on your credit worthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2013 auto financed for 72 months @ 3.19% APR would have a payment of approximately $15.28 per $1,000 borrowed. For additional payment examples, please visit our loan calculator. Subject to Credit Approval.

All rates and terms quoted are subject to change.

The following certificate Annual Percentage Yields (APYs) are effective February 26, 2021 and will remain the same through March 4, 2021. The minimum certificate investment is $500.00. Penalty applies for early withdrawal. Fees may reduce earnings on an account.

Tiers	6 Month* Interest Rate/APY	1 Year* Interest Rate/APY	2 Year** Interest Rate/APY	3 Year* Interest Rate/APY	4 Year** Interest Rate/APY	5 Year* Interest Rate/APY
$500 - $9,999.99	0.40% / 0.40%	0.70% / 0.70%	0.90%/ 0.90%	1.00%/ 1.00%	1.20%/ 1.20%	1.20%/ 1.20%
$10,000 - $24,999.99	0.40% / 0.40%	0.70% / 0.70%	0.90%/ 0.90%	1.00%/ 1.00%	1.20%/ 1.20%	1.20%/ 1.20%
$25,000 - $49,999.99	0.40% / 0.40%	0.70% / 0.70%	0.90%/ 0.90%	1.00%/ 1.00%	1.20%/ 1.20%	1.20%/ 1.20%
$50,000 - $74,999.99	0.40% / 0.40%	0.70% / 0.70%	0.90%/ 0.90%	1.00%/ 1.00%	1.20%/ 1.20%	1.20%/ 1.20%
$75,000 - $124,999.99	0.40% / 0.40%	0.70% / 0.70%	0.90%/ 0.90%	1.00%/ 1.00%	1.20%/ 1.20%	1.20%/ 1.20%
$125,000 +	0.40% / 0.40%	0.70% / 0.70%	0.90%/ 0.90%	1.00%/ 1.00%	1.20%/ 1.20%	1.20%/ 1.20%

* Interest credited monthly or interest compounded quarterly.
** Interest compounded quarterly.

This bump rate certificate gives you the control to bump up your rate should a higher rate become available for that term. Available terms include 22 months for a one-time rate bump and 44 months for two rate bumps. You may call or come into a Georgia’s Own branch and have the interest rate raised to match the new, higher rate for the remainder of the term. Have the peace of mind that if rates go up you are not ‘locked in’.

Term Length	Annual Percentage Yield*	# of Rate Bumps	Minimum Opening Balance
22 Month	0.97%	1	$500
44 Month	1.14%	2	$500

Important Information

There are substantial penalties for early withdrawal on all time deposit accounts. Your deposits in savings, savings certificates, and sharedraft/checking accounts at Georgia’s Own Credit Union are insured to $250,000, with IRAs insured separately to $250,000 by NCUA.

* Interest is compounded and credited quarterly.

The following certificate Annual Percentage Yields (APYs) are effective February 26, 2021 to March 4, 2021. The minimum IRA investment is $500.00. Penalty applies for early withdrawal.

IRA Investments for Traditional, Roth, and Education IRAs

Tiers	1 Year** Interest Rate/ APY	18 Month* Interest Rate/ APY	2 Year** Interest Rate/ APY	3 Year** Interest Rate/ APY	4 Year** Interest Rate/ APY	5 Year** Interest Rate/ APY
$500 - $9,999.99	0.70% / 0.70%	0.87%/ 0.87%	0.90%/ 0.90%	1.00%/ 1.00%	1.20%/ 1.20%	1.20%/ 1.20%
$10,000 - $24,999.99	0.70% / 0.70%	0.87%/ 0.87%	0.90%/ 0.90%	1.00%/ 1.00%	1.20%/ 1.20%	1.20%/ 1.20%
$25,000 - $49,999.99	0.70% / 0.70%	0.87%/ 0.87%	0.90%/ 0.90%	1.00%/ 1.00%	1.20%/ 1.20%	1.30%/ 1.30%
$50,000 - $74,999.99	0.70% / 0.70%	0.87%/ 0.87%	0.90%/ 0.90%	1.00%/ 1.00%	1.20%/ 1.20%	1.20%/ 1.20%
$75,000 - $124,999.99	0.70% / 0.70%	0.87%/ 0.87%	0.90%/ 0.90%	1.00%/ 1.00%	1.20%/ 1.20%	1.20%/ 1.20%
$125,000 +	0.70% / 0.70%	0.87%/ 0.87%	0.90%/ 0.90%	1.00%/ 1.00%	1.20%/ 1.20%	1.20%/ 1.20%

* Interest compounded monthly. Rate may change after the account is opened.
** Interest compounded and credited quarterly.

Balance	Annual Percentage Yield*
$5.01 - $49,999.99	0.10%
$50,000 - $99,999.99	0.13%
$100,000+	0.18%

* Last dividend paid date September 30, 2020. No minimum deposit to open. Rate subject to change quarterly. There is no Georgia’s Own applied penalty for early withdrawal, but IRS penalties may still apply.

– Rates as low as 4.00% APR* – rates subject to change monthly
– Lines of credit from $10,000 up to $300,000; required minimum initial advance of $5,000**
– ReadiEquity Lines of Credit are not offered on investment properties or second homes

*Rates as low as 4.00% APR. Rates are variable and subject to change. Your Annual Percentage Rate (APR) may differ from the one shown and will be based on your credit worthiness and loan to value. Rate may not exceed 18% at any time. Property and/or flood insurance may be required. Terms, rates, and conditions are subject to change without notice. No closing costs offer may be withdrawn without notice. ReadiEquity has early closure fee of $240 if the loan is paid in full within 36 months.**Maximum loan amount is $250,000 for CLTV above 80%, but not exceeding 95% with mortgage insurance approval. Maximum loan amount is $300,000 if CLTV is 80% or less. Required minimum initial advance of $5,000. Investment and rental properties cannot be vacant. Will pay up front for full appraisal. At funding, appraisal costs will be refunded.

Take advantage of a low, fixed-rate for the life of the loan. Contact the home equity department at 404.874.1166 (option 2) for today’s rates.

– Borrow from $10,000 to $300,000*

*Your Annual Percentage Rate (APR) may differ from the one shown and will be based on your credit worthiness and loan to value. Please ask a loan officer for details on how your rate is determined. Property and/or flood insurance may be required. Terms, rates, and conditions are subject to change without notice. No closing costs offer may be withdrawn without notice. For primary residence: Maximum loan amount is $250,000 for CLTV above 80%, but not exceeding 95% with mortgage insurance approval; Maximum loan amount is $300,000 if CLTV is 80% or less. Investment and rental properties cannot be vacant. Will pay up front for full appraisal. At funding, appraisal costs will be refunded. No closing costs offer may be withdrawn without notice.

In an effort to go green, Georgia’s Own Credit Union will offer a 1% rebate up to $500 when you use your ReadiEquity Line of Credit or Fixed Rate Home Equity Loan for Energy Star qualified home improvements. A complete list of products can be found at http://www.energystar.gov.*

*Must provide proof of purchase to qualify for rebate. One rebate per year is available.

Are you looking for a safe, secure place to put your money? One that offers more competitive rates than a traditional savings account while providing easy access to your funds? Then Georgia’s Own Money Market Account may be the answer for you.

Balance	Annual Percentage Yield*
$2,500 - $9,999.99	0.20%
$10,000 - $24,999.99	0.30%
$25,000 - $49,999.99	0.30%
$50,000 - $99,999.99	0.40%
$100,000 - $249,999.99	0.40%
$250,000-$499,999.99	0.45%
$500,000-$999,999.99	0.45%
$1,000,000-and over	0.45%
Minimum Balance Requirements:	$2,500 to earn dividends

Fees:
- Monthly Service Fee: $10/month when balance falls below $2,500.
- Excess Withdrawal Fee: $10.00 per item if more than six (6) withdrawals per month.

* Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. Rates are current as of December 1, 2020.

See our Consumer Truth-In-Savings Disclosure for rates

– Offers 8 balance levels with 8 interest rate* levels – the more you save, the more you earn.
– Earn dividends by maintaining a daily balance of $2,500 – dividends are compounded monthly.
– Withdraw from this account up to 6 times in a month.
– Withdrawals can be made using money market checks, through Online Banking, by phone or in person at any Georgia’s Own Branch.
– No minimum deposit to open a money market account, however there is a monthly service fee of $10 if your daily balance falls below $2,500.

The dividend rates and Annual Percentage Yield for the following share accounts are based on the below tiered structure:

– Regular Savings
– Holiday Savings
– Resolution Savings
– Club Individual Retirement Savings
– i[save]
– Coindexter Club® Savings
– Vacation Savings

Balance*	Dividend Rate**	APY
$5.01-$49,999.99	0.10%	0.10%
$50,000-$99,999.99	0.13%	0.13%*
$100,000+	0.18%	0.18%*

* Last dividend paid date September 30, 2020 applies to Regular Savings, Coindexter Club, and i[x] savings. Fees for excess withdrawals within a quarter could reduce earnings on regular savings accounts. Dividends on savings and checking accounts are variable and are subject to change after the account is opened.
** Rate effective for July 1, 2020 applies to All Access Checking, i[check] and HSA Checking.
*** Distributions for qualified medical expenses are tax-free and penalty-free at any age. After age 65, distributions for non qualified medical expenses are penalty-free.

Account Type	Dividend Rate*	APY**
Perks+ Checking -$0.00 to $1,499.99 -$1,500 to $2,499.99 -$2,500 or greater	0.02% 0.03% 0.05%	0.02% 0.03% 0.05%
All Access Checking	0.02%	0.02%
i[check]	0.02%	0.02%
HSA Checking***	0.02%	0.02%
Golden Bell Checking	0.02%	0.02%

APY = Annual Percentage Yield.
* Last dividend paid date September 30, 2020 applies to Regular Savings, Coindexter Club, and i[x] savings. Fees for excess withdrawals within a quarter could reduce earnings on regular savings accounts. Dividends on savings and checking accounts are variable and are subject to change after the account is opened.
** Rate effective for October 1, 2020 applies to All Access Checking, i[check] and HSA Checking.
*** Distributions for qualified medical expenses are tax-free and penalty-free at any age. After age 65, distributions for non qualified medical expenses are penalty-free.

Interest Rate and Interest Charges for Visa Signature®
APR for Purchases	11.99%-14.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	11.99%-14.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate. **
APR for Cash Advances	11.99%-14.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
Penalty APR and When it Applies	24.99%* This APR may be applied to your account if at any time your account is 60 days or more past due. How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge	None

How Will We Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Information printed is accurate as of October 1, 2020. For an update on information call the Visa® Department at (404) 874-1166, (800) 533-2062, or by e-mail. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.

* Your variable Annual Percentage Rate may be adjusted quarterly and will be determined by adding a margin between 8.74% and 11.74% to the Prime Rate published in the Wall St. Journal five business days preceding January 1st, April 1st, July 1st, and October 1st each year. Your rate will not be more than 24.99%, regardless of The Wall Street Journal Prime Rate. Your Annual Percentage Rate and margin may vary according to your creditworthiness and qualifications. The Penalty APR is a variable rate determined by adding 14.74% to Prime Rate.

** Fee for cash advance is 3% of advance amount. Fee for balance transfer is 3% of transfer amount or $10, whichever is greater. Fee for foreign transactions is 2% of each currency transaction in U.S. dollars.

Interest Rate and Interest Charges for Visa® Platinum
APR for Purchases	9.99%-12.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	9.99%-12.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
APR for Cash Advances	9.99%-12.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
Penalty APR and When it Applies	17.99%*. This APR may be applied to your account if at any time your account is 60 days or more past due. How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge	None

How Will We Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Information printed is accurate as of October 1, 2020. For an update on information call the Visa® Department at (404) 874-1166, (800) 533-2062, or by e-mail. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.

* Your variable Annual Percentage Rate may be adjusted quarterly and will be determined by adding a margin between 6.74% and 9.74% to the Prime Rate published in the Wall St. Journal five business days preceding January 1st, April 1st, July 1st, and October 1st each year. Your rate will not be more than 19.99%, regardless of The Wall Street Journal Prime Rate. Your Annual Percentage Rate and margin may vary according to your creditworthiness and qualifications. The Penalty APR is a variable rate determined by adding 14.74% to Prime Rate.

** Fee for cash advance is 3% of advance amount. Fee for balance transfer is 3% of transfer amount or $10, whichever is greater. Fee for foreign transactions is 2% of each currency transaction in U.S. dollars.

Interest Rate and Interest Charges for Visa® Classic
APR for Purchases	11.99-16.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	11.99-16.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
APR for Cash Advances	11.99-16.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
Penalty APR and When it Applies	17.99%* This APR may be applied to your account if at any time your account is 60 days or more past due. How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge	None

How Will We Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Information printed is accurate as of October 1, 2020. For an update on information call the Visa® Department at (404) 874-1166, (800) 533-2062, or by e-mail. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.

* Your variable Annual Percentage Rate may be adjusted quarterly and will be determined by adding a margin between 8.74% and 13.74% to the Prime Rate published in the Wall St. Journal five business days preceding January 1st, April 1st, July 1st, and October 1st each year. Your rate will not be more than 19.99%, regardless of The Wall Street Journal Prime Rate. Your Annual Percentage Rate and margin may vary according to your creditworthiness and qualifications. The Penalty APR is a variable rate determined by adding 14.74% to Prime Rate.

** Fee for cash advance is 3% of advance amount. Fee for balance transfer is 3% of transfer amount or $10, whichever is greater. Fee for foreign transactions is 2% of each currency transaction in U.S. dollars.

Interest Rate and Interest Charges for Visa® Classic Secured
APR for Purchases	9.99-16.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	9.99-16.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
APR for Cash Advances	9.99-16.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
Penalty APR and When it Applies	17.99%* This APR may be applied to your account if at any time your account is 60 days or more past due. How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge	None

How Will We Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Information printed is accurate as of October 1, 2020. For an update on information call the Visa® Department at (404) 874-1166, (800) 533-2062, or by e-mail. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.

* Your variable Annual Percentage Rate may be adjusted quarterly and will be determined by adding a margin between 6.74% and 13.74% to the Prime Rate published in the Wall St. Journal five business days preceding January 1st, April 1st, July 1st, and October 1st each year. Your rate will not be more than 19.99%, regardless of The Wall Street Journal Prime Rate. Your Annual Percentage Rate and margin may vary according to your creditworthiness and qualifications. The Penalty APR is a variable rate determined by adding 14.74% to Prime Rate.

** Fee for cash advance is 3% of advance amount. Fee for balance transfer is 3% of transfer amount or $10, whichever is greater. Fee for foreign transactions is 2% of each currency transaction in U.S. dollars.

Interest Rate and Interest Charges for Student Visa®
APR for Purchases	12.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	12.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
APR for Cash Advances	12.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
Penalty APR and When it Applies	17.99%* This APR may be applied to your account if at any time your account is 60 days or more past due. How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge	None

How Will We Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Information printed is accurate as of October 1, 2020. For an update on information call the Visa® Department at (404) 874-1166, (800) 533-2062, or by e-mail. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.

* Your variable Annual Percentage Rate may be adjusted quarterly and will be determined by adding a margin of 9.74% to the Prime Rate published in the Wall St. Journal five business days preceding January 1st, April 1st, July 1st, and October 1st each year. Your rate will not be more than 19.99%, regardless of The Wall Street Journal Prime Rate. Your Annual Percentage Rate and margin may vary according to your creditworthiness and qualifications. The Penalty APR is a variable rate determined by adding 14.74% to Prime Rate.

** Fee for cash advance is 3% of advance amount. Fee for balance transfer is 3% of transfer amount or $10, whichever is greater. Fee for foreign transactions is 2% of each currency transaction in U.S. dollars.