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Personal Line of Credit
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Flexibility for whatever life throws your way
We’re always told to expect the unexpected—but that doesn’t mean we can pay for it. When emergencies—like car repairs, insurance deductibles, broken appliances, etc.—pop up, a personal line of credit from Georgia’s Own provides quick, easy access to the money you need without draining your account. You can even link your line of credit to your checking account to use as overdraft protection. Plus, with low rates, a personal line of credit be an affordable way to pay for other personal expenses.
Apply for a Personal Line of Credit
Features
- An open-end, revolving line of credit
- Borrow as little as $500 or up to $30,000
- Easily access funds via online and mobile banking, in person, or by phone
- Can be linked to your Georgia’s Own checking account as overdraft protection
- Great for unexpected expenses or emergencies
- Can be used for any personal expenses
- Low rates make it an affordable alternative to a credit card
- Member Protection Plus** coverage can help you manage your loan debt in the event of death, disability, or involuntary unemployment
Current Rates
Georgia’s Own has some of the best rates around. Check out our current rates for our personal line of credit below.
| APR* |
|---|
| 11.00%* |
Didn’t find what you were looking for? Ask us.
Details & Disclosures
*Your Annual Percentage Rate (APR) and Daily Periodic Rate may vary according to your creditworthiness. Maximum APR is 17.50%. Please ask a loan officer for details on how your rate is determined. Subject to credit approval. Minimum monthly payment after each advance is 3% of outstanding balance or $25 minimum.
**Insurance and warranty products are not products of Georgia’s Own Credit Union. Insurance and warranty products are not deposits, they are not federally insured, and may be subject to risk. They are not an obligation of or guaranteed by Georgia’s Own Credit Union.
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