Primary Savings
A $5 opening deposit gives you all the benefits of Credit Union membership.1
Make your money rise and grind
Earn dividends on your savings and get a membership “share” in Georgia’s Own when you open a primary savings account.
- Tiered dividends, with higher rates as you save more
- No monthly fee (must enroll in eStatements)2
- Get overdraft transfer protection3 for your checking account
- Direct deposit available
- Minimum balance of just $5
- Insured up to $250,000 by the NCUA
Track your savings on the go
Meet the ultimate time-saver: the Georgia’s Own mobile banking app. Available on the App Store® and Google PlayTM.
- Deposit checks
- Check balances
- Make transfers
- Find branches and ATMs
Savings FAQs
Yes, all members must have a primary savings account with a minimum balance of $5. This $5 refundable deposit represents your “share” in Georgia’s Own and is held on deposit as long as you are a member.
With tiered dividends, you get a better rate when you have a higher account balance. See our rates page for details.
Yes, your Georgia’s Own savings, checking, money market, and certificate of deposit accounts are insured up to $250,000 by the NCUA. For additional information, visit the NCUA share insurance estimator.
Level up your money game: check out more savings options
Money Markets
Easy access to your money through online banking, money market checks, by phone, or in person, plus great rates that get even better with higher balances.
Vacation and Holiday Savings
Save for your summer getaway or the holidays. Your balance transfers automatically to your primary savings on May 1st or November 1st.
Certificate of Deposit
Get some of our highest fixed rates on your savings with terms from six months to five years, no monthly maintenance fees, and insurance up to $250,000.
Learning Center
Go beyond banking with resources and news to help you make informed financial decisions.
What’s the safest way to pay: check or debit card?
What is a certificate of deposit and is it right for you?
How to build your credit score
1A minimum deposit of $5 is required to establish your membership. This $5 refundable deposit represents your “share” in Georgia’s Own and is held on deposit as long as you are a member.
2Enroll in eStatements and avoid the $2 per month paper fee.
3Transfer from one of your other accounts is an optional service that allows you to link your primary savings, overdraft line of credit, or related savings account(s) to your checking account. With this option, we simply transfer the overage amount from the indicated Georgia’s Own account to cover any overdraft(s). You get peace of mind knowing that your transaction is covered and a much smaller fee is incurred than what a returned transaction would cost. Read full Overdraft Services Disclosure.
