Georgia's Own Credit Union
Headquarters
P.o. Box 105205
Atlanta, GA 30348
See all branch locations →
2024 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 $4282.37 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 | $4,282.37 million |
| Loans | $3,223.10 million |
| Deposits | $3,451.31 million |
| Capital | $454.49 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 - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.10% | $5 | $49,999 |
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Money Market
|
0.50% | $2,500 | $9,999 |
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|
Money Market
|
1.00% | $10,000 | $24,999 |
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|
Money Market
|
1.25% | $25,000 | $49,999 |
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|
Money Market
|
1.50% | $50,000 | $99,999 |
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|
Money Market
|
2.00% | $100,000 | $249,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
4.67% | $500 | $9,999 |
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| 6 Mo CD
|
4.67% | $10,000 | $24,999 |
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| 12 Mo CD
|
5.01% | $500 | $9,999 |
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| 12 Mo CD
|
5.01% | $10,000 | $24,999 |
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| 24 Mo CD
|
2.97% | $500 | $9,999 |
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| 24 Mo CD
|
2.97% | $10,000 | $24,999 |
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| 36 Mo CD
|
3.21% | $500 | $9,999 |
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| 36 Mo CD
|
3.21% | $10,000 | $24,999 |
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| 48 Mo CD
|
3.46% | $500 | $9,999 |
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| 48 Mo CD
|
3.46% | $10,000 | $24,999 |
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| 60 Mo CD
|
3.70% | $500 | $9,999 |
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| 60 Mo CD
|
3.70% | $10,000 | $24,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.01% | $1 | - | Learn More |
| INTCK
|
0.03% | $2,500 | - | Learn More |
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.50% | 5.50% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
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| 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 | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.76% | 6.63% | $2,049.00 | |
| 15 Year Fixed Conforming See Amortization Table |
6.68% | 6.50% | $2,787.54 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.62% | 6.50% | $2,787.54 | |
| 30 Year Fixed Conforming See Amortization Table |
7.10% | 7.00% | $2,128.97 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.07% | 7.00% | $2,128.97 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.76% | 6.63% | $2,049.00 | |
| 15 Year Fixed Conforming See Amortization Table |
6.68% | 6.50% | $2,787.54 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.62% | 6.50% | $2,787.54 | |
| 30 Year Fixed Conforming See Amortization Table |
7.10% | 7.00% | $2,128.97 | |
Compare with 6.806% APR and 6.625% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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| 30 Year Fixed Jumbo See Amortization Table |
7.07% | 7.00% | $2,128.97 | |
|
Compare with 6.806% APR and 6.625% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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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:
Columbus,Ohio
Climate Policy and 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.
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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 |
|---|---|
| 11.88% | 6.97 |
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 December 31, 2023, Georgia's Own had $54,159,168 in non-current loans and $2,716,550 in owned assets. To cover these potential losses it had $454,491,820 in net worth and $24,121,472 in loans loss reserves. That gives it a Texas Ratio of 11.88%.
Net Worth
| Georgia's Own | U.S. Average |
|---|---|
| 10.63% | 13.62% |
Georgia's Own FCU has a net worth of 10.63% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Georgia's Own
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