Holiday Hangover?

Did too much spending give you a holiday hangover? Transfer balances from higher rate credit cards to Georgia’s Own Visa® and take advantage of a low, FIXED rate, no annual fee and no balance transfer fee.*

In need of another type of loan? While your New Year’s Resolution may be to save more in 2009, for most of us, it’s still necessary to borrow money. If you need an auto loan, personal loan, or even a mortgage, the best place to go is your Credit Union. While other financial institutions have raised rates, raised fees, and lowered loan limits, Georgia’s Own Credit Union is still offering the same loans, at the same low rates with no or low fees. We even offer discounted loan rates for “green” loans.

Best of all, we are available 24 hours a day. Simply call 404.874.1166, 800.533.2062 or Apply now.

*Other fees may apply.

Skip the Pin and WIN!

Use your pen instead of your PIN when you buy with your Georgia’s Own Visa® Check Card, and the sum of your signature-based transactions could be refunded back to you up to $5000.

Who says your autograph isn’t worth anything?  Between now and March 1, 2009, every time you sign for a Visa Check Card transaction, you’ll automatically be entered to win the sum of ALL your signature-based transactions that you’ve made throughout the past two months!*

Imagine having all of your groceries, movie tickets, shopping excursions, clothing expenses and more- all paid!  It’s simple: whenever you’re given the option of Debit or Credit, always choose “Credit” and sign for your purchase, rather than entering your PIN number.  Three times as many merchants accept signature-based transactions, it’s more secure and gives you the confidence of having a Zero Liability policy** . . . and now you can win!  The more you use your card, the better your chances.

Learn more about "Credit" vs. "Debit" here.  

*Promotional Period: January 1- March 1, 2009.  Limit $5000.  Visa Check Card must be issued by Georgia’s Own Credit Union. No purchase necessary. See complete contest rules. **Covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify Georgia’s Own immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, contact Georgia’s Own Credit Union.

Take the $100 Challenge.

Keep your car. Trade your loan. If we can’t lower your payment, we’ll give you $100!*

With gas prices affecting everything from food to employment, even small savings can make a significant impact to your family’s budget. That’s why Georgia’s Own Credit Union urges you to take the $100 Challenge. If you financed your vehicle somewhere other than with the Credit Union, we’ll lower your payment or give you $100*.

With rates as low as 3.99% APR**, you may be able to save a significant amount both on your monthly payment and over the life of the loan. If we are unable to beat your current rate, we may be able to extend your term to lower your payment. While extending your term may ultimately result in added interest costs, the money you save on a monthly basis may help offset the rising cost of necessities, like gas and groceries.

To take advantage of this offer, stop by any branch office or call 404.874.1166, 800.533.2062. Please have your rate, terms, lender’s name, and payoff information available. Offer subject to withdrawal at any time without notice. 

*Offer valid only on vehicles financed with another financial institution. In order to collect the $100 incentive, member must qualify for loan under normal underwriting standards, including value of auto. Member is responsible for any tax consequences. **APR means Annual Percentage Rate; your APR may vary according to your length of term, the age of vehicle and credit worthiness and could be higher than the stated rate. Please ask a Loan Officer for details on how your rate is determined.

Welcome Rockdale County Residents.

Over the last several years, we’ve welcomed counties into our field of membership. We are pleased to announce that residents of Rockdale County are now eligible for Credit Union membership. In addition to serving over 250 select employee groups, we are proud to serve the residents of Cherokee, Cobb, Chatham, DeKalb, Fulton, Gwinnett, Hall and Rockdale counties.

50,000 Reasons to Check with Georgia's Own

Georgia's Own is now part of the Allpoint network, which means you may never have to pay another ATM surcharge again! You now have access to more than 50,000 surcharge-free ATMs nationwide through the Allpoint and CU-24 networks. Best of all, there’s no forms to fill out or sign-up fees. You need only to look for the Allpoint or CU-24 logos to enjoy surcharge free transactions or click here to find an ATM near you.

*Surcharge-Free Transactions
*50,000 ATMs Nationwide
*No Sign-up Fee
*No Forms to Complete
*Use Your Georgia's Own ATM or Visa® Check Card
*Start Saving Today

Please Note: Some ATM’s may still display a surcharge screen during your Allpoint ATM transaction. If this happens, simply enter ‘Yes’ to accept the surcharge and proceed with your withdrawal. YOU WILL NOT BE CHARGED THE SURCHARGE. Georgia's Own maximum withdrawal fees may apply.

Switch Your Account Today for All Access!

Get access to the most competitive checking account features in the market with Georgia’s Own All Access Checking!

No Monthly Service Fee
(Saves You Money)

Free/Unlimited ATM Transactions
(Quick and Easy Access to Your Money)

50,000 Surcharge-Free ATMs
(Added Convenience and Value)

No Direct Deposit/Minimum Balance Requirements
(No Hassle, No Strings)

Overdraft Privilege up to $800
(Avoids Expense and Embarrassment Associated with Bounced Checks)

Free Web Bill Pay, Home Banking and eStatements
(24/7 Convenience)

Easy Online Switch Kit
(Quick and Easy Transition)

Dividends Paid on Every Dollar
(Value and the Opportunity to Save More Money)

Free First Order of Checks
(Added Value)

Certain fees and restrictions may apply. ATMs outside of our networks may charge a transaction fees. Members must qualify for Checking and Overdraft Privilege.