Georgia's Own Credit Union

Headquarters

P.o. Box 105205
Atlanta, GA 30348
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 4.01% →
1-Year CD 0.70% 4.50% →
2-Year CD 1.00% 4.73% →
5-Year CD 1.20% 4.75% →
30-Year Mortgage 7.10% 4.91% →
15-Year Mortgage 6.68% 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Credit Union Information

Georgia's Own is an NCUA insured institution located in Atlanta, GA. It was founded in 1934 and has approximately $3581.92 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.

NCUA Insured Yes / State-Chartered
Charter Number # # 67390
Date Established 1934
Assets $3,581.92 million
Loans $2,662.49 million
Deposits $3,066.30 million
Capital $389.67 million
 

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 - November 29, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 - Learn More
Money Market
0.45% $25,000 - Learn More
Money Market
0.50% $50,000 - Learn More
Money Market
0.55% $100,000 - Learn More
Money Market
0.62% $250,000 - Learn More
Money Market
0.70% $1,000,000 - Learn More
Premium Money Market Account
0.62% $250,000 - Learn More
Premium Money Market Account
0.70% $1,000,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.10% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More
48 Mo CD
1.20% $10,000 $14,999 Learn More
48 Mo CD
1.20% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less
Int Ckg
0.02% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 29, 2022

Your Current Location: Virginia, VA 20146

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:
Ashburn,Virginia


Georgia's Own Locations



Climate Initiatives

GEORGIA'S OWN is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
4.25% 4.24

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, 2022, Georgia's Own had $17,399,252 in non-current loans and $513,616 in owned assets. To cover these potential losses it had $389,670,901 in net worth and $31,663,475 in loans loss reserves. That gives it a Texas Ratio of 4.25%.

Net Worth
Georgia's Own U.S. Average
10.88% 12.40%

Georgia's Own FCU has a net worth of 10.88% versus the BestCashCow average of 12.40. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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