Savings, CDs and Money Markets

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Savings
CDs
Money Market

Savings

The Future Starts Today

Plant that financial seed and watch it grow. Achieving your financial goals takes planning, and Georgia’s Own has the resources and savings plans to fit you and your needs.

We offer:

Primary Savings – Basic savings account required for membership. Your first $5 deposit remains in your account as long as you are a member, representing your “share” in Georgia’s Own.

Holiday Savings Accounts – Now you can always be prepared for the holidays. Funds are automatically transferred to your primary savings each year on November 1.

HSA Checking Account – Be prepared for unexpected medical costs.

Club Accounts – Save up for the fun stuff, like vacations.

Coindexter Club® – Savings for money-savvy children under 13.

But wait, there’s more:

Savings Certificates – $500 is all it takes. You also have 10 days at maturity to withdraw funds without penalty, letting you keep every red cent you’ve earned.

Individual Retirement Accounts – Grow your nest egg and enjoy tax benefits along the way with an IRA. One of our advisors will be happy to give you all the details.

All savings accounts require a $5 minimum deposit and minimum daily balance of $5.01 to earn dividends.

Apply Today

two kids sitting at table while mom gives them cereal

CDs

We’re not talking about music here. This is what we call a Certificate of Deposit, and it’s all about keeping your hard-earned money safe and secure until you need it.

CD Accounts

This type of account lets you set aside money for a predetermined amount of time to ensure you earn a certain amount of interest. Bottom line: you can net thousands of dollars in additional income over the course of a decade or longer. You may be subject to a fee for withdrawing your money from your CD before it matures. Check out or rates.

Own Your Rate

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 and 44 months for a one-time bump. 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’.

Bump rate certificate options are not available on IRAs.

Money Market

Earn interest on the cash you’re setting aside. The longer it stays in the account, the longer it collects interest. Check out the chart below to see how much you can earn. The more you save, the more you earn!

Balance

Dividend Rate

Annual Percentage Yield

$2,500–$9,999.99

0.30%

$10,000–$24,999.99

0.30%

$25,000–$49,999.99

0.33%

$50,000–$99,999.99

0.35%

$100,000–$249,999.99

0.37%

$250,000–$499,999.99

0.45%

$500,000–$999,999.99

0.48%

$1,000,000–and over

0.48%

Minimum Balance Requirements

$2,500 to earn dividends

Money Market accounts require a minimum balance of $2,500 to earn dividends and are subject to a $10 monthly fee if the minimum is not met or if the number of transactions exceed six (6) per month.

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