GEORGIA'S OWN

P.O. Box 105208
Atlanta, GA 30348

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 67390
Date Established 1934
Assets $2,462.08 million
Loans $1,948.42 million
Deposits $2,039.20 million
Capital $275.89 million

Georgia's Own is an NCUA insured institution located in Atlanta, GA. It was founded in 1934 and has approximately $2462.08 millions in assets.

Who can join?

Employees or Retirees of one of our Member Companies / SEGs (Select Employee Groups
List of Select Employee groups:
https://www.georgiasown.org/sponsors_list.

Residents of one of the following counties:
Chatham, Cherokee, Clayton, Cobb, Columbia, Dekalb, Douglas, Effingham, Forsyth, Fulton, Gwinnett, Hall, Henry, Newton, Richmond, Rockdale, or Walton

Family members of a current Georgia’s Own Credit Union member. Anyone related by blood, adoption or marriage is eligible.

Members of the Getting Ahead Association (GAA) are also eligible for membership in Georgia’s Own Credit Union.

Field of Membership Restrictions

Becoming a member is easy. There are 5 ways you can qualify for membership: 1. EMPLOYEE / RETIREE: Be an employee or retiree of one of our Member Companies / SEGs (Select Employee Groups). For a list of all of our Member Companies, click here. 2. COUNTY RESIDENT: Be a resident of one of the following counties: Barrow, Chatham, Cherokee, Clayton, Cobb, Columbia, Dekalb, Douglas, Effingham, Fayette, Forsyth, Fulton, Gwinnett, Hall, Henry, Newton, Paulding, Richmond, Rockdale, or Walton 3. FAMILY MEMBER: Be a family member of a current Georgia’s Own Credit Union member. Anyone related by blood, adoption or marriage is eligible. 4. GETTING AHEAD ASSOCIATION: If you are a member of the Getting Ahead Association (GAA), you are also eligible for membership in Georgia’s Own Credit Union. GAA is designed to help you gain access to the information that you need to improve your quality of life and reduce the cost of living. Membership is eligible to any individual who is committed to improving their financial well-being. If you are not a member of GAA, a Georgia’s Own Credit Union Representative can help you get started. 5. GEORGIA STATE UNIVERSITY PARTNERSHIP: Be a current student, faculty or staff employee, retiree or alumni of Georgia State University.

Deposit Rates - October 20, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.60% $2,500 $9,999 Learn MoreShow Less
Money Market
0.70% $10,000 $24,999 Learn MoreShow Less
Money Market
0.80% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
1.60% $500 $9,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
1.05% $10,000 $24,999 Learn MoreShow Less
1.05% $75,000 $124,999 Learn MoreShow Less
1.60% $10,000 $24,999 Learn MoreShow Less
1.60% $75,000 $124,999 Learn MoreShow Less
1.80% $10,000 $24,999 Learn MoreShow Less
1.80% $75,000 $124,999 Learn MoreShow Less
1.80% $10,000 $24,999 Learn MoreShow Less
1.80% $75,000 $124,999 Learn MoreShow Less
1.81% $10,000 $24,999 Learn MoreShow Less
1.81% $75,000 $124,999 Learn MoreShow Less
2.27% $10,000 $24,999 Learn MoreShow Less
2.27% $75,000 $124,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.71% $500 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 - Learn MoreShow Less

Loan Rates - October 20, 2019

Your Current Location: Connecticut, CT 06828

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 3.22% 3.22% $729.46
4 Year 3.22% 3.22% $555.79
5 Year 3.34% 3.34% $453.00
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.



Branches

Below are Georgia's Own branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Georgia's Own Locations


Financial Details

Georgia's Own Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Georgia's Own. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Georgia's Own U.S. Average
4.41% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Georgia's Own had $12,456,260 in non-current loans and $247,629 in owned assets. To cover these potential losses it had $275,885,156 in net worth and $12,269,988 in loans loss reserves. That gives it a Texas Ratio of 4.41%.

Net Worth
Georgia's Own U.S. Average
11.2% 13.65%

Georgia's Own FCU has a net worth of 11.2% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Georgia's Own

Branches and Savings

What is Georgia's Own?

A federal credit union, registered with the NCUA under certificate #67390.
Learn more about credit unions here.

Is Georgia's Own FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Georgia's Own?

Please see Field of Membership information above for information on who is eligible to join.

What are Georgia's Own's share account and share certificate rates?

Georgia's Own's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Georgia's Own?

Georgia's Own has total capital of $275.89 million. Full information on Georgia's Own's financial position is located above.

Who owns Georgia's Own?

Credit Unions are owned by their members.

Where are Georgia's Own branches located?

See branch locations nearby.

Are Georgia's Own ATMs Open 24/7?

Do Georgia's Own ATMs accept cash deposits?

Can Georgia's Own customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Georgia's Own have a mobile app?

Does Georgia's Own have mobile deposit?

Does Georgia's Own have quick pay?

How can Georgia's Own transfer money to other banks or credit unions?

Does Georgia's Own report to credit bureaus?

Does Georgia's Own use Chexsystems?

Does Georgia's Own use Equifax?

What is Georgia's Own's toll free phone number?

What is Georgia's Own's ACH Routing Number?

What is Georgia's Own's SWIFT code?

Where can I find Georgia's Own's wire transfer form?

What is the Georgia's Own address for deposits?

What Products Does Georgia's Own Offer

Does Georgia's Own offer mortgages?

Compare mortgage rates here.

Does Georgia's Own offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Georgia's Own offer auto and RV loans?

Compare auto loan rates here.

Does Georgia's Own offer student loans or personal loans?

Compare personal loan rates here.

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