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How direct deposit works
Access your money faster with direct deposit—and skip a trip to the bank. With direct deposit, your paycheck or other recurring deposits can be sent to your checking or savings account automatically. If you have Perks+ Checking, you’re eligible for Early Direct Deposit, allowing you to receive your paycheck up to two days early.*
Convenient and secure
- Get same-day access to your deposit as soon as it appears in your account
- Enjoy peace of mind that your money is secure—no need to worry about lost or stolen checks
- Use Bill Pay to align recurring bill payments with your direct deposit
Setting up direct deposit
What do I need do?
Confirm with your employer if you can set up direct deposit through an online portal. If not:
- Complete a direct deposit form
- Provide your employer with the completed form
You’ll need to know:
- Your Georgia’s Own account and ABA routing number
- Your employer’s name and address
Georgia’s Own Credit Union’s routing number is 261071438. The routing number is also called an ABA number or routing transit number. You can find it in the lower left-hand corner of your checks.
For checks issued by the U.S. Treasury
Enroll in direct deposit of federal benefits in one of three ways:
- Online at fiscal.treasury.gov/godirect
- Call the U.S. Treasury at 800.333.1795
- Visit your nearest branch location
*Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Click here for FAQs.
Georgia’s Own is proud to support the Atlanta Jazz Festival, one of the country’s oldest and largest free jazz festivals.
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