Rates Preview Page
Auto Model Years 2024 or newer
| Model Years 2024 or newer | Approx. Term (Mos)1 | APR as low as |
|---|---|---|
| No minimum | 24 | 4.24% |
| No minimum | 36 | 4.24% |
| No minimum | 48 | 4.49% |
| No minimum | 60 | 4.86% |
| $15,000 minimum | 72 | 5.03% |
| $22,000 minimum, <30,000 miles | 84 | 5.73% |
Rates effective as of 11/01/2025. All rates and terms quoted are subject to change.
1Advertised “as low as” Annual Percentage Rates (APR) assume excellent borrower credit history. Your APR may differ based on your creditworthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2024 auto financed for 48 months at 4.49% APR would have a payment of approximately $22.80 per $1,000 borrowed. Loans are subject to credit approval.
Auto Model Years 2015-2023
| Model Years 2015-2023 | Approx. Term (Mos) | APR as low as |
|---|---|---|
| No minimum | 24 | 4.75% |
| No minimum | 36 | 4.75% |
| No minimum | 48 | 5.52% |
| No minimum | 60 | 6.08% |
| $15,000 minimum, <75,000 Miles | 72 | 6.30% |
| $22,000 minimum, <40,000 Miles | 84 | 6.50% |
Rates effective as of 11/01/2025. All rates and terms quoted are subject to change.
1Advertised “as low as” Annual Percentage Rates (APR) assume excellent borrower credit history. Your Annual Percentage Yield (APR) may differ based on your creditworthiness, the age and mileage of the collateral or the length of the loan term. Your APR could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2022 auto financed for 48 months at 5.52% APR would have a payment of approximately $23.27 per $1,000 borrowed. Loans are subject to credit approval.
Auto Model Years 2005-2014
| Model Years 2005-2014 | Approx. Term (Mos) | APR as low as |
|---|---|---|
| <95,000 miles | 36 | 6.95% |
| <95,000 miles | 48 | 7.74% |
Rates effective as of 11/01/2025. All rates and terms quoted are subject to change.
1Advertised “as low as” Annual Percentage Rates (APR) assume excellent borrower credit history. Your Annual Percentage Yield (APR) may differ based on your creditworthiness, the age and mileage of the collateral or the length of the loan term. Your APR 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 48 months at 7.74% APR would have a payment of approximately $24.29 per $1,000 borrowed. Loans are subject to credit approval.
Marine Model Years 2017 or newer
| Model Years 2017 or newer | Approx. Term (Mos) | APR as low as |
|---|---|---|
| No minimum | 60 | 7.69% |
| $10,000 minimum | 96 | 7.69% |
| $15,000 minimum | 120 | 7.44% |
| $20,000 minimum | 144 | 7.19% |
| $30,000 - $99,999 | 180 | 6.93% |
| $100,000 - $149,000 | 180 | 7.19% |
| $150,000 - $300,000 | 180 | 6.94% |
Rates effective as of 11/01/2025. All rates and terms quoted are subject to change.
1Advertised “as low as” Annual Percentage Rates (APR) assume excellent borrower credit history. Your Annual Percentage Yield (APR) may differ based on your creditworthiness, the age of the collateral or the length of the loan term. Your APR could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2024 boat financed for 60 months at 7.69% APR would have a payment of approximately $20.13 per $1,000 borrowed. Loans are subject to credit approval.
Marine Model Years 2011-2016
| Model Years 2011-2016 | Approx. Term (Mos) | APR as low as |
|---|---|---|
| No minimum | 120 max term | Add 0.5% to all rates above |
Rates effective as of 11/01/2025. All rates and terms quoted are subject to change.
1Advertised “as low as” Annual Percentage Rates (APR) assume excellent borrower credit history. Your APR may differ based on your creditworthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2015 boat financed for 120 months at 7.94% APR would have a payment of approximately $9.52 per $1,000 borrowed. Loans are subject to credit approval.
Motor Homes Model Years 2020 or newer
| Model Years 2020 or newer | Approx. Term (Mos) | APR as low as |
|---|---|---|
| No minimum | 60 | 8.19% |
| $10,000 minimum | 96 | 8.19% |
| $15,000 minimum | 120 | 7.94% |
| $20,000 minimum | 144 | 7.69% |
| $30,000-$99,999 | 180 | 7.43% |
| $100,000-$149,000 | 180 | 7.19% |
| $150,000-$250,000 | 180 | 6.94% |
Rates effective as of 11/01/2025. All rates and terms quoted are subject to change.
1Advertised “as low as” Annual Percentage Rates (APR) assume excellent borrower credit history. Your Annual Percentage Yield (APR) may differ based on your creditworthiness, the age of the collateral or the length of the loan term. Your APR could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2024 motor home financed for 60 months at 8.19% APR would have a payment of approximately $20.37 per $1,000 borrowed. Loans are subject to credit approval.
Motor Homes Model Years 2017-2019
| Model Years 2017-2019 | Approx. Term (Mos) | APR as low as |
|---|---|---|
| No minimum | 120 max terms | Add 0.75% to the rates above |
Rates effective as of 11/01/2025. All rates and terms quoted are subject to change.
1Advertised “as low as” Annual Percentage Rates (APR) assume excellent borrower credit history. Your Annual Percentage Yield (APR) may differ based on your creditworthiness, the age of the collateral or the length of the loan term. Your APR could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2018 motor home financed for 120 months at 8.69% APR would have a payment of approximately $9.96 per $1,000 borrowed. Loans are subject to credit approval.
Motorcycles Model Years 2022 or newer
| Model Years 2022 or newer | Approx. Term (Mos) | APR as low as |
|---|---|---|
| No minimum | 36 | 8.47% |
| $7,000 minimum | 48 | 8.47% |
| $12,000 minimum | 60 | 8.97% |
| $15,000+ | 72 | 9.22% |
Rates effective as of 11/01/2025. All rates and terms quoted are subject to change.
1Advertised “as low as” Annual Percentage Rates (APR) assume excellent borrower credit history. Your Annual Percentage Yield (APR) may differ based on your creditworthiness, the age of the collateral or the length of the loan term. Your APR could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2024 motorcycle financed for 60 months at 8.97% APR would have a payment of approximately $20.74 per $1,000 borrowed. Loans are subject to credit approval.
Motorcycles Model Years 2015-2021
| Model Years 2015-2021 | Approx. Term (Mos) | APR as low as |
|---|---|---|
| $2,500 minimum / $15,000 maximum | 60 max term | 9.27% |
Rates effective as of 11/01/2025. All rates and terms quoted are subject to change.
ATV/Jet Ski
| Year | Approx. Term (Mos) | APR as low as |
|---|---|---|
| Current Year Models | Varies | 8.85% |
| Previous Year Model | Varies | 10.50% |
Rates effective as of 11/01/2025. All rates and terms quoted are subject to change.
1Advertised “as low as” Annual Percentage Rates (APR) assume excellent borrower credit history. Your Annual Percentage Yield (APR) may differ based on your creditworthiness, the age of the collateral or the length of the loan term. Your APR could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2024 jet ski/ATV financed for 72 months at 8.85% APR would have a payment of approximately $17.96 per $1,000 borrowed. Loans are subject to credit approval.
Website Loan Payments
| Website Loan Payments | |
|---|---|
| Online Payment - Express Pay | $8.00 per item |
Visa Signature
| Interest Rate and Interest Charges for Visa Signature® | |
|---|---|
| APR for Purchases | 19.99%1 This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers2 | 19.99%1 This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances2 | 19.99%1 This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | 29.99% 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 November 1, 2025. For an update on information call the Visa® Department at 800.533.2062 (404.874.1166) or by email. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.
1Your variable Annual Percentage Rate may be adjusted monthly and will be determined by adding a margin of 12.74% to the highest U.S. Prime Rate published in The Wall Street Journal five business days preceding the 1st calendar day of the month. If the Journal is not published on that day, then see the immediately preceding edition. If the Prime Rate increases, variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. Your rate will not be more than 29.99%, regardless of The Wall Street Journal Prime Rate.
2Fee 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.
Additional information can be found in our Application and Solicitation Disclosure
Visa Platinum
| Interest Rate and Interest Charges for Visa® Platinum | |
|---|---|
| APR for Purchases | 17.99%1 This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers2 | 17.99%1 This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances2 | 17.99%1 This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | 29.99% 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 November 1, 2025. For an update on information call the Visa® Department at 800.533.2062 (404.874.1166) or by email. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.
1Your variable Annual Percentage Rate may be adjusted monthly and will be determined by adding a margin of 10.74% to the highest U.S. Prime Rate published in The Wall Street Journal five business days preceding the 1st calendar day of the month. If the Journal is not published on that day, then see the immediately preceding edition. If the Prime Rate increases, variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. Your rate will not be more than 29.99%, regardless of The Wall Street Journal Prime Rate.
2Fee 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.
Additional information can be found in our Application and Solicitation Disclosure
Visa Classic
| Interest Rate and Interest Charges for Visa® Classic | |
|---|---|
| APR for Purchases | 21.99%1 This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers2 | 21.99%1 This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances2 | 21.99%1 This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | 29.99% 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 November 1, 2025. For an update on information call the Visa® Department at 800.533.2062 (404.874.1166) or by email. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.
1Your variable Annual Percentage Rate may be adjusted monthly and will be determined by adding a margin of 14.74% to the highest U.S. Prime Rate published in The Wall Street Journal five business days preceding the 1st calendar day of the month. If the Journal is not published on that day, then see the immediately preceding edition. If the Prime Rate increases, variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. Your rate will not be more than 29.99%, regardless of The Wall Street Journal Prime Rate.
2Fee 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.
Additional information can be found in our Application and Solicitation Disclosure
Visa Classic Secured
| Interest Rate and Interest Charges for Visa® Classic Secured | |
|---|---|
| APR for Purchases | 21.99%1 This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers2 | 21.99%1 This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances2 | 21.99%1 This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | 29.99% 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 November 1, 2025. For an update on information call the Visa® Department at 800.533.2062 (404.874.1166) or by email. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.
1Your variable Annual Percentage Rate may be adjusted monthly and will be determined by adding a margin of 14.74% to the highest U.S. Prime Rate published in The Wall Street Journal five business days preceding the 1st calendar day of the month. If the Journal is not published on that day, then see the immediately preceding edition. If the Prime Rate increases, variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. Your rate will not be more than 29.99%, regardless of The Wall Street Journal Prime Rate.
2Fee 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.
Additional information can be found in our Application and Solicitation Disclosure
Student Visa
| Interest Rate and Interest Charges for Student Visa® | |
|---|---|
| APR for Purchases | 17.99%1 This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers2 | 17.99%1 This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances2 | 17.99%1 This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | 29.99% 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 November 1, 2025. For an update on information call the Visa® Department at 800.533.2062 (404.874.1166) or by email. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.
1Your variable Annual Percentage Rate may be adjusted monthly and will be determined by adding a margin
of 10.74% to the highest U.S. Prime Rate published in The Wall Street Journal five business days preceding the 1st calendar day of the month. If the Journal is not published on that day, then see the immediately preceding edition. If the Prime Rate increases, variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. Your rate will not be more than 29.99%, regardless of The Wall Street Journal Prime Rate.
2Fee 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.
Additional information can be found in our Application and Solicitation Disclosure
Visa Credit Card Fees
| Fee | Amount | |
|---|---|---|
| Annual Fee: | FREE | |
| Cash Advance: | 3% of cash advance amount | |
| Balance Transfer Fee: | 3% of the balance transfer; $10 minimum | |
| Foreign Transaction: | 2% of the U.S. dollar amount of each transaction | |
| Late Payment: | Signature - up to $37 (if payment is 15 days late) Platinum - up to $37 (if payment is 15 days late) Classic - up to $37 (if payment is 15 days late) Classic Secured - up to $37 (if payment is 15 days late) Student - up to $25 (if payment is 15 days late) | How can I avoid this fee? Schedule recurring payments through online banking to ensure you always pay on time. |
| Returned Payment: | Signature - up to $37 Platinum - up to $37 Classic - up to $37 Classic Secured - up to $37 Student - up to $25 | How can I avoid this fee? Ensure the funding account has enough available funds for the check to clear. Alternatively, you can pay your credit card electronically through online banking or directly through the credit card portal. |
Flex CD
| Term Length | Interest Rate/Annual Percentage Yield1 | Minimum Opening Deposit2 | Maximum Balance2 |
|---|---|---|---|
| 1 Year | 3.94% / 4.00% | $100.00 | $25,000.00 |
The Flex CD gives you more control over how you save. Our Flex CD features a low minimum opening balance, the ability to make additional deposits, and if needed, the option to withdraw your full balance, penalty-free. Open your account today by visiting a branch, or call us at 800.533.2062.
1The annual percentage yield is accurate as of the dates specified in our Truth in Savings Disclosure. Interest is compounded quarterly. Penalty applies for any early partial withdrawal. Fees may reduce earnings on an account.
2The minimum opening deposit required to earn the APY disclosed is $100 and cannot exceed $25,000. Additional deposits are permitted until the account balance reaches the maximum balance of $25,000. If the $25,000 account maximum has been met, no additional deposits will be permitted; however, interest will continue to accrue as described in the Truth-In-Savings disclosure. One (1) penalty-free, full balance withdrawal is permitted per term resulting in the account being closed. This penalty-free, full balance withdrawal cannot be completed within the first six (6) days after any of the following transactions, i) the account is opened, ii) the initial and subsequent deposits, or iii) any partial withdrawal. Partial balance withdrawals are subject to an early withdrawal penalty. Fees may reduce earnings on an account. Limit of one (1) open Flex CD account per Primary Owner. A 12-month waiting period applies for subsequent Flex CD account openings per Primary Owner. The waiting period begins on the closure date of the most recently closed Flex CD account owned by the Primary Member. At maturity, your account will renew into a 1-Year Flex CD.
Certificates of Deposit (CDs)
| Minimum Opening Deposit | 6 Month1 Interest Rate/APY | 1 Year1 Interest Rate/APY | 2 Year2 Interest Rate/APY | 3 Year1 Interest Rate/APY | 4 Year2 Interest Rate/APY | 5 Year1 Interest Rate/APY |
|---|---|---|---|---|---|---|
| $500 | 3.69% / 3.75% | 3.46% / 3.50% | 2.97% / 3.00% | 2.97% / 3.00% | 2.97% / 3.00% | 2.97% / 3.00% |
1Certificate of Deposit – Monthly: Interest credited monthly or interest compounded quarterly.
2Certificate of Deposit – Interest Compounded: Interest compounded quarterly.
The annual percentage yields are accurate as of the dates specified in our Truth in Savings Disclosure. Penalty applies for early withdrawal. Fees may reduce earnings on an account.
Own Your Rate CD
| Term Length | Annual Percentage Yield1 | # of Rate Bumps | Minimum Opening Balance |
|---|---|---|---|
| 22 Month | 1.50% | 1 | $500 |
| 44 Month | 1.50% | 2 | $500 |
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’.
1The annual percentage yields are accurate as of the dates specified in our Truth in Savings Disclosure. Penalty applies for early withdrawal. Fees may reduce earnings on an account.
Individual Retirement Accounts
| Minimum Opening Deposit | 1 Year1 Interest Rate/APY | 18 Month2 Interest Rate/APY | 2 Year1 Interest Rate/APY | 3 Year1 Interest Rate/APY | 4 Year1 Interest Rate/APY | 5 Year1 Interest Rate/APY |
|---|---|---|---|---|---|---|
| $500 | 3.46% / 3.50% | 2.72% / 2.75% | 2.97% / 3.00% | 2.97% / 3.00% | 2.97% / 3.00% | 2.97% / 3.00% |
1Interest compounded and credited quarterly.
2Interest credited monthly. Rate may change after the account is opened.
The annual percentage yields are accurate as of the dates specified in our Truth in Savings Disclosure. Penalty applies for early withdrawal. Fees may reduce earnings on an account.
Club Individual Retirement Account (Compounded Quarterly)
| Balance | Annual Percentage Yield1 |
|---|---|
| $5.01 - $49,999.99 | 0.05% |
| $50,000 - $99,999.99 | 0.06% |
| $100,000+ | 0.07% |
1Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. The annual percentage yields are accurate as of the dates specified in our Truth in Savings Disclosure. There is no Georgia’s Own applied penalty for early withdrawal, but IRS penalties may still apply.
Savings
| Balance | Dividend Rate | APY |
|---|---|---|
| $5.01–$49,999.99 | 0.10% | 0.10% |
| $50,000–$99,999.99 | 0.15% | 0.15% |
| $100,000+ | 0.20% | 0.20% |
Fees: Excess Withdrawal Fee: $5.00 per item if more than six (6) withdrawals per month.
APY = Annual Percentage Yield.
1Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. The annual percentage yields are accurate as of the dates specified in our Truth in Savings Disclosure.
Checking Accounts
| Account Type | Dividend Rate | APY |
|---|---|---|
| Perks+ Checking $0.00 to $1,499.99 $1,500 to $2,499.99 $2,500 or greater |
0.01% 0.02% 0.03% |
0.01% 0.02% 0.03% |
| All Access Checking | 0.01% | 0.01% |
| Student Access Checking | 0.01% | 0.01% |
| i[check] | 0.01% | 0.01% |
| Golden Bell Checking | 0.01% | 0.01% |
APY = Annual Percentage Yield.
1Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. The annual percentage yields are accurate as of the dates specified in our Truth in Savings Disclosure.
Service Fees
| Account Fees | Amount | |
|---|---|---|
| Perks+ Monthly Service Charge | $6.95 per month | |
| Check Printing Charge | Prices vary depending upon style | How can I avoid this fee? Instead of using checks, take advantage of our electronic services such as Bill Pay, Account-to-Account Transfers and Person-to-Person Payments. |
| Resolution Checking Monthly Service Charge | $10.00 per month | |
| Resolution Checking-Check Clearing | $0.50 per check | |
| Bank on Checking Monthly Service Charge | $5.00 per month | |
| Overdraft Transfer Fee | $6.00 per transfer | How can I avoid this fee? Georgia's Own offers online banking that allows you to monitor your account balances 24/7. You can also sign up for daily balance alerts and high/low balance alerts. You can also apply for an Overdraft Line of Credit which will transfer funds in increments of $100, for free, to cover your transactions. |
| Premium Overdraft (OD) Fee | $35.00 per presentment | How can I avoid this fee? Georgia's Own offers online banking that allows you to monitor your account balances 24/7. You can also sign up for daily balance alerts and high/low balance alerts. You can link an existing Georgia's Own account to your checking account in order to reduce the fee amount. Lastly, you can apply for an Overdraft Line of Credit which will transfer funds in increments of $100, for free, to cover your transactions. |
| Nonsufficient Funds (NSF) Fee | $35.00 per presentment | How can I avoid this fee? Georgia's Own offers online banking that allows you to monitor your account balances 24/7. You can also sign up for daily balance alerts and high/low balance alerts. You can link an existing Georgia's Own account to your checking account in order to reduce the fee amount. Lastly, you can apply for an Overdraft Line of Credit which will transfer funds in increments of $100, for free, to cover your transactions. |
| Stop Payment Fee | $30.00 per request | |
| Returned Deposit/Payment Item Fee of Member's Check | $30.00 per check | |
| ATM/Debit Card Replacement Fee | $5.00 per card | |
| Debit Card Rush Fee | $60.00 per card | |
| Out of Network ATM Fees: - Balance Inquiries - Account Transfers - Withdrawals |
$3.00 per transaction | How can I avoid these fees? As a Georgia's Own member you have access to more than 30,000 surcharge-FREE ATMs across the country, more than the largest banks offer! Download our mobile banking app or visit our locations page to find the nearest surcharge-FREE ATM. |
| ATM/Debit Card International Transaction Fee | 2% of the amount of the transaction calculated in U.S. dollars | |
| Cashier's Check: Member Fee | $10.00 per check | |
| Cashier's Check: Non-Member Fee | $20.00 per check | |
| Counter Checks | 3 checks for $5.00* | |
| Non Member Georgia's Own Check Cashing Fee | $5.00 per check | |
| Check Payment by Phone | $8.00 per check | |
| Money Market Monthly Service Charge | $10.00 per month if the minimum daily balance drops below $2,500 | How can I avoid these fees? Make sure your Money Market Account stays at or above $2,500. You can sign up for daily balance alerts inside online banking to ensure your balance stays above the threshold. |
| Excess Withdrawal Fee Savings, Holiday, Golden Bell, i[save], Resolution Savings, Coindexter Club Savings and Non-Dividend/Interest Bearing Savings Accounts | $5.00 per item if more than six (6) withdrawals/transfers per month | How can I avoid these fees? Use your Checking Account for all your regular and ongoing transactions. Ensure you're depositing enough into your Checking Account to cover your basic expenses for the month. Make less frequent but larger withdrawals from your savings account. |
| Wire Transfer - Domestic Incoming | $15.00 per wire | How can I avoid these fees? We offer other options to move your money including Member-To-Member Transfer, Person-To-Person Transfer and Account-To-Account Transfer. |
| Wire Transfer - Domestic Outgoing | $25.00 per wire | How can I avoid these fees? We offer other options to move your money including Member-To-Member Transfer, Person-To-Person Transfer and Account-To-Account Transfer. |
| Wire Transfer - International Incoming | $50.00 per wire | |
| Wire Transfer - International Outgoing | $50.00 per wire | Additional pass through fees may apply. |
| Return Wire Fee | $20.00 per wire | |
| IRA Direct Transfer Fee | $25.00 per transfer | |
| Mailed Statement Fee | $5.00 per statement | |
| Returned Statement Fee | $5.00 per statement | |
| Check and Other Document Copy Fee | $5.00 per copy | |
| Account Research/Reconciliation Fee | $25.00 per hour | |
| Verification of Deposit/Loan Fee | $25.00 per verification | |
| Garnishment Fee | Up to $100.00 per occasion | |
| Levy Fees | $50.00 per occasion | |
| Inactive Account Fee1 | $5.00 per month | How can I avoid this fee? Maintain a balance over $250 or make regular transactions throughout the year. |
| Dormant Account Fee | $5.00 per month after five (5) years |
1Inactive Account Fee: Savings Account: If you have not made any transactions for twelve (12) months to your regular savings account and the balance is below $250, we will classify your account as inactive and may impose an inactivity fee. Checking Account: If you have not made any transactions for twelve (12) months to your checking account, we will classify your account as inactive and may impose an inactivity fee. You authorize us to transfer funds from any account to cover fee(s) and close your membership if the balance of all deposit accounts is zero (Not applicable to minor accounts).
Online Banking & Bill Pay Fees
| Online Banking Monthly Fee | No monthly fee |
| Bill Pay Monthly Fee | No monthly fee |
| Account to Account Transfers (set up in Bill Pay only) - Between Georgia's Own Accounts - Outside Account to Georgia's Own - Georgia's Own to Outside Account |
FREE |
| Member-to-Member Transfer | FREE |
| Person-to-Person Transfer | FREE |
| Bill Pay Nonsufficient Funds Fee (NSF) | $35.00 per presentment |
| Bill Pay Stop Payment Fee | $30.00 per item |
| Overnight/Expedited Check Payment | $25.00 per item |
| Returned Item Fee | $10.00 per item |
Line of Credit/Overdraft Line of Credit
| APR as low as1 |
|---|
| 12.00% |
Rates effective as of 11/01/2025
1Advertised “as low as” Annual Percentage Rates (APR) assume excellent borrower credit history. Your Annual Percentage Rate and Daily Periodic Rate may vary according to your creditworthiness.
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.
Lifestyle Loan
| Approx. Term (Mos) | APR as low a1 |
|---|---|
| 12 months | 8.49% |
Rates effective as of 11/01/2025
1Advertised “as low as” Annual Percentage Rate (APR) assumes excellent borrower credit history. Your APR is determined based on creditworthiness. Higher rates may apply. Ask a loan officer for details on how your rate is determined. Payment example: A $1,000 loan at 8.49% APR for 12 months would have a monthly payment of approximately $87.22. Subject to Credit Approval.
Secured Loans
| Loan Type | Approx. Term (Mos)1 | APR as low as1 |
|---|---|---|
| Savings Secured2 | 36 | 7.00% |
| 48 | 7.00% | |
| 60 | 7.25% | |
| 84 | 7.50% | |
| Certificate Secured3 | Rate is 5% above certificate rate |
Rates effective as of 11/01/2025
1Advertised “as low as” Annual Percentage Rate (APR) assumes excellent borrower credit history. 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. Subject to Credit Approval. Payment Example: A Savings Secured loan financed for 60 months at 7.25% APR would have a payment of approximately $19.92 per $1,000 borrowed.
2Fully secured with savings on deposit at Georgia’s Own
3Fully secured with certificates of deposit at Georgia’s Own. The loan rate will be 5% higher than the rate of the certificate which secures the loan. Please speak with a loan officer to determine your actual rate.
ReadiEquity Line of Credit
| APR as low as1 | Loan Amount |
|---|---|
| 6.75% | $10,000 up to $500,0002 |
Rates effective as of 11/01/2025
1Advertised “as low as” Annual Percentage Rate (APR) assumes excellent borrower credit history. 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.
2Maximum loan amount up to $500,000 for primary residence with a CLTV up to 90%. Maximum loan amount up to $250,000 for primary residence with a CLTV up to 95%. Up to $50,000 for secondary or investment residence with a CLTV up to 70%. Mortgage insurance approval may be required.
ReadiEquity Lines of Credit are not offered on investment properties or second homes
Home Equity Fixed Rate Loan
| APR as low as1 | Loan Amount |
|---|---|
| rates vary | $10,000 up to $500,0002 |
1Advertised “as low as” Annual Percentage Rate (APR) assumes excellent borrower credit history. 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. Property and/or flood insurance may be required. Terms, rates, and conditions are subject to change without notice.
2Maximum loan amount up to $500,000 for primary residence only. CLTV up to 95% on loan amounts ranging from $10,000-$250,000. CLTV up to 90% on loan amounts ranging from $250,001-$500,000. Mortgage insurance may be required.
Money Market Account
| Balance | Annual Percentage Yield1 |
|---|---|
| $2,500 - $9,999.99 | 0.50% |
| $10,000 - $24,999.99 | 0.75% |
| $25,000 - $49,999.99 | 1.00% |
| $50,000 - $99,999.99 | 2.00% |
| $100,000 - $249,999.99 | 2.00% |
| $250,000-$499,999.99 | 2.50% |
| $500,000-$999,999.99 | 3.00% |
| $1,000,000-and over | 3.50% |
| Minimum Balance Requirements: | $2,500 to earn dividends |
1Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. The annual percentage yields are accurate as of the dates specified in our Truth in Savings Disclosure.
Fees: Monthly Service Charge – $10/month if the minimum daily balance falls below $2,500.
Preferred Business Checking
| Balance1 | Dividend Rate2 |
|---|---|
| $0.00 - $1,499.99 | 0.05% |
| $1,500 - $2,499.99 | 0.10% |
| $2,500 - $9,999.99 | 0.15% |
| $10,000 - $24,999.99 | 0.25% |
| $25,000 + | 0.25% |
1Dividends on checking accounts are variable and are subject to change after the account is opened.
2The annual percentage yields are accurate as of the dates specified in our Interest Rate and Fee Disclosure.
Corporate Plus Checking
| Balance1 | Dividend Rate2 |
|---|---|
| $0.00 - $9,999.99 | 0.00% |
| $10,000 - $24,999.99 | 0.50% |
| $25,000 - $99,999.99 | 0.90% |
| $100,000 - $249,999.99 | 1.65% |
| $250,000 - $499,999.99 | 1.90% |
| $500,000 + | 3.45% |
1Dividends on checking accounts are variable and are subject to change after the account is opened.
2The annual percentage yields are accurate as of the dates specified in our Interest Rate and Fee Disclosure.
Business Savings
| Balance1 | Dividend Rate2 |
|---|---|
| $5.01 - $999.99 | 0.05% |
| $1,000.00 - $1,999.99 | 0.25% |
| $2,000 + | 0.25% |
1Fees for excess withdrawals within a quarter could reduce earnings on regular savings accounts. Interest on savings and checking accounts are variable and are subject to change after the account is opened.
2The annual percentage yields are accurate as of the dates specified in our Interest Rate and Fee Disclosure.
Business Money Market
| Balance1 | Dividend Rate2 |
|---|---|
| $2,500 - $9,999.99 | 0.25% |
| $10,000 - $24,999.99 | 0.35% |
| $25,000 - $49,999.99 | 0.75% |
| $50,000 - $99,999.99 | 0.75% |
| $100,000 - $249,999.99 | 2.50% |
| $250,000 + | 4.25% |
1Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. The annual percentage yields are accurate as of the dates specified in our Interest Rate and Fee Disclosure.
Business Certificates of Deposit
| Tiers | 6 Month | 1 Year | 2 Year |
|---|---|---|---|
| $500 - $9,999.99 | 3.75% | 3.00% | 3.25% |
| $10,000 - $24,999.99 | 3.75% | 3.00% | 3.25% |
| $25,000 - $49,999.99 | 3.75% | 3.00% | 3.25% |
| $50,000 - $74,999.99 | 3.75% | 3.00% | 3.25% |
| $75,000 - $124,999.99 | 3.75% | 3.00% | 3.25% |
| $125,000 + | 3.75% | 3.00% | 3.25% |
The minimum certificate of deposit investment is $500.00. The rates are accurate as of the dates specified in our Interest Rate and Fee Disclosure. Penalty applies for early withdrawal. Fees may reduce earnings on an account.
