Georgia’s Own will be closed on Monday, May 30th in observance of Memorial Day.
For the most current list of branch hours and availability, please click here.
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Treasury Management Solutions
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Thank you for choosing Georgia’s own!
Services for Managing and Maximizing Your Cash
Georgia’s Own Credit Union offers an innovative array of Cash Management services to keep your business running efficiently and securely. Take a look at all we have to offer and let us know how we can lighten your load – so you can focus on growing your business.
Merchant Services
As a business owner, collecting your money is vital for your cash flow, and our Merchant Services are all about giving your customers more ways to put cash in your pocket quickly and securely.
Benefits include:
- Accept credit, debit and gift cards
- Point-of-sale, mobile and online payments processing
- EMV-Capable devices
- Certified PCI DSS Service Level 1 Compliant
- Options for terminals and equipment
- Terminal training and help desk
- Easy to read merchant statements
If you’re interested in more info on our Merchant Services program, please fill out the form at the link below.
Business Capture
Tired of daily trips to deposit checks? Start using Business Deposit Capture to remotely deposit checks from your business the same day you receive them.
- Deposit checks the same day you receive them
- Fewer trips to the branch
- Less paperwork and store transaction history online
ACH Services
ACH Services from Georgia’s Own provides businesses improved forecasting of their cash flow by placing control of the speed and timing of payments in their hands. This enables businesses to create electronic transfers to accounts of other companies or individuals. Common uses include direct deposit of payroll to employee accounts and electronic payments to vendors or contractors.
Payroll Services
Georgia’s Own has partnered with a national payroll provider, Paychex®, to offer our members a trustworthy and comprehensive selection of payroll management services.
Wire Transfers
Wire transfers offer businesses a way to make or receive payment for services, labor, purchases, etc. Domestic and International Wire Transfers are offered for our members.
Note – Always review and verify the legitimacy of the requester and the wire beneficiary, as well as the dollar amount, before releasing wire transfers.
Have Questions? Ask one of our Business Experts
Important Links
Credit Card Payment Processing video
Paychex® Payroll Services
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