For information on the Economic Impact Payments (stimulus checks), please view our FAQs.
Branch lobbies are open. Visit our locations page for the most up-to-date branch hours.
Online Banking Login
Close
What would you like to search for?
Youth Accounts
You have safely logged out of online banking
Thank you for choosing Georgia’s own!
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 even our youngest members. We offer special accounts for children ages 13 and younger and ages 14 to 25. Plus, our members who are 18+ can start building credit with our student Visa® credit card, get behind the wheel with a first-time auto loan, and cover college costs with our student loan options.
i[check] | Ages 14-25
i[check] is a special checking account for teens and young adults who are just getting started. i[check] members get a free Visa® debit card, access to free online and mobile banking, and earn interest on their money—all with no monthly fee.
Coindexter Club | Ages 13 and younger
The Coindexter Club makes learning fun for your child and easy for you. Kids learn how to earn, save, spend, manage, and invest money through articles, activities, and videos. And the best part? It’s free when you open a savings account in your child’s name with a $5 opening deposit.
Student Visa® | Ages 18+
Establishing your credit as a student is key to securing your financial future. The Georgia’s Own Student Visa is geared towards students while still offering low interest rates and reward points1 on all your purchases.
Apply Now | Learn More | Flex Rewards
First-time Auto Loan | Ages 18+
Our first-time auto loan is perfect for individuals with limited credit history, like students or recent grads, who are ready to buy their first car.
Student Loans | Ages 18+
Let’s face it—college isn’t cheap, but funding gaps shouldn’t stand in the way of your education. Once you’ve maximized no- and low-cost financial aid options, a private student loan from Georgia’s Own can cover the rest.
Get Started | Learn More
1Georgia’s Own Credit Card points will expire five (5) years from the date earned. Points, including any rollover points or points transferred from an existing Georgia’s Own Credit Card, will not expire before May 31, 2023.
Claire
Member since 2016
Experience the difference of becoming a member at Georgia’s Own!
Open An Account
Claire
Member since 2016
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