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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.
Open a Savings Account
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 
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 our 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 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’.
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. Click here to see how much you can earn through our Money Market accounts. The more you save, the more you earn!
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.
Money Market Index Account
This product is designed for those seeking a higher return on their investment, with the benefit of relative liquidity not often found in other accounts. We invite you to learn more below:
Details:
• The Market Index Product is federally insured up to the maximum allowed by NCUA - your brokerage accounts don't provide insurance.
• No teaser rates! The Market Index rate is set by the iMoneyNet index, an average of over 300 money market mutual funds, and will provide a true value every day.
• Minimum daily balance to avoid monthly maintenance fee $10,000.
• Maximum balance $250,0001.
• Only new money to Georgia's Own qualifies for the product.
• Requires an existing or newly opened personal checking product.
1Any balances above $250,000 will earn the lowest tier personal money market rate.