Balance transfer promotion

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General Card Information Visa® Platinum Student Visa® Visa® Classic

Low Interest Rate

No Annual Fee or Balance Transfer Fee1

25-day grace period on purchases

Zero fraud liability2

24-hour access to your account

Online reporting and customized reports

Secured option available


Earn ScoreCard® Bonus Points for each dollar you charge

Earn 1 bonus point per dollar on all purchases

Earn cash back statement credits4

Points never expire

No limits on how many points you can earn

Redeem points for gift cards at major retailers

Redeem points to receive up to 2% off your rate for a year

Combine ScoreCard® Bonus Points with your household's Georgia's Own Check Cards and Credit Cards

Cardholder Benefits      

Emergency card replacement

Standard protection package which includes auto rental coverage

Emergency cash up to $5,000

Personal identity theft protection up to $1,000

Travel accident insurance up to $500,000

Warranty manager

Member Protection Plus5

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Member Protection Plus will cancel or waive your loan payment(s), up to the contract maximums — helping lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life
  • Disability
  • Involuntary unemployment
  • Family leave

Save Money with Georgia's Own!

Click here to view our Loan Saver Calculator to determine your potential savings by refinancing your existing loans with Georgia's Own Credit Union!

Attention Credit Card Account Holders: You may request a copy of your individual Credit Card Agreement by calling 404.874.1166, 800.533.2062 (option 3) or by sending us an email and designating in the Subject Line: “Credit Card Agreement Request”.

Note: If you elect to e-mail the Credit Union to request a copy of your agreement, do NOT place any
personally identifiable information (including your name or credit card account number) in your e-mail.

Get Current Rates. Get Current Information on your Georgia's Own Visa® account through Online Banking. If you're making Internet purchases, you need to sign up for Verified by Visa. Verified by Visa helps ensure that only you can use your Visa when making online purchases. Sign up now at