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Youth Accounts
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Youth Accounts
The value of a dollar is best learned early. Healthy spending (and saving) habits along with one of our youth accounts can start paving a path to financial success for members in their teens and early 20s.
Whether it’s buying a car, paying for college or simply wanting to see your money grow, we’ll arm you with information and resources to help you accomplish your goals, including everything from checking and savings accounts to flexible savings certificates.
Now’s the perfect time to start building your credit. If you’re 18 or older, we can set you up with your first Visa® credit card, earning reward bonus points on every purchase.
Before you know it, you’ll be starting a business of your own or investing in other businesses. Whatever your dream, we’re here to help it flourish.
Experience the difference of becoming a member at Georgia’s Own!
Apply for an Account! 
Coindexter Club Program
If you want to provide your child (up to age 13) with additional exposure to money knowledge you can enroll them in the Coindexter Club Program, the world’s largest children’s website devoted to promoting financial literacy. To begin your free membership, go to coindexter.com and create an account. Make sure you select Georgia’s Own Credit Union as your financial institution. A Coindexter Club account can be opened with a deposit of $5. Coindexter Club accounts earn the same dividend as primary savings, and the same excess withdrawal policy applies.
Once the account is opened, Coindexter Club members receive a:
• Welcome Letter
• Quarterly Newsletters
• Birthday Cards
When a new account first reaches $250, stop into any Georgia’s Own branch to pick up a free gift. Once the account reaches $500, members are eligible for a second gift.
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