About Us


Georgia’s Own membership has its perks. Save even more with these special offers.

Lower HELOC Rates

Reno project? No problem.

Whether you dabble in DIY or prefer to hire a pro, turn your honey-do list into a honey-done list with home equity rates as low as 8.75% APR.1

Credit Card Balance Transfer

Trade stress for savings

In honor of our 90th anniversary, receive 9.00% APR for 9 months on credit card balance transfers made through July 31st to your Visa Signature®, Platinum, or Student credit card.2

Vehicle Loans

Hit the gas on savings

Drive smart and finance smarter with auto loan rates as low as 5.74% APR.3

Carfinder image
Auto Loans

Carfinder Rate Discount

Use Georgia’s Own Carfinder for your next car purchase and finance your loan with Georgia’s Own, you’ll get a rate discount of .25%.4

Swipe to Win

Your Amazon purchases could win you $900!

From stocking up to splurging, each Amazon purchase of $25 or more made with your Georgia’s Own Visa® credit card by July 31st could be your chance to win $900!5

Member Appreciation Monday

What's new this month

#MemberAppreciationMonday is one way that Georgia’s Own is working to surprise and delight our members. Click the link below to see this month’s offers!


1APR=Annual Percentage Rate. Rates effective as of July 1, 2024. Rates are variable and subject to change without notice. Advertised “as low as” APR assumes excellent borrower credit history. Your APR may differ from the one shown and will be based on several factors including your credit worthiness and loan to value. To open your Home Equity Line of Credit (HELOC) account, you may have to pay certain third-party fees that generally range from $200.00 to $2,300.00. The minimum APR is 4.00% and it will not exceed 18.00%. Property and/or flood insurance may be required. Loans are subject to credit approval. Additional terms, conditions and limitations may apply. Offer is subject to change without notice. Maximum loan amount up to $500,000 for primary residence only. CLTV up to 95% on loan amounts ranging from $10,000 – $250,000. CLTV up to 90% on loan amounts ranging from $250,001- $500,000. Mortgage insurance approval may be required. A HELOC is not offered on investment/rental properties or vacation/second homes. Property and/or flood insurance may be required.

2APR = Annual Percentage Rate. For qualified members. Promotional rate valid for 9 months from date of balance transfer on any balance transfer made to a qualified Georgia’s Own new or existing Visa Signature®, Platinum or Student Visa credit card between March 1, 2024 and July 31, 2024. On new cards, balance transfer must be made within 60 days of account opening. Classic, Secured, and Business cards are excluded from this offer. To receive the promotional rate, the minimum balance transfer amount must be $500 or more. Promotional APR for Signature, Platinum and Student Visa cards is 9.00%. After that, your APR for transfers will revert to your standard variable APR of 21.24% for Visa Signature; 19.24% for Visa Platinum; 19.24% for Student Visa. APR will vary based on Prime Rate. The maximum rate and penalty rate is 29.99% APR for Signature, Platinum, and Student Visa credit cards. Balance transfer fee is 3% of the balance transfer or $10 minimum, whichever is greater. Cash advance fee is 3% of advance amount. Foreign transaction fee is 2% of each multiple currency transaction. We will not process any balance transfer requests that are from any account or loan issued by Georgia’s Own. To benefit from a grace period and avoid additional interest on purchases, you must pay your balance in full by payment due date. This includes any promotional balance transfers.

3APR = Annual Percentage Rate. Rates effective as of July 1, 2024. Your APR may differ based on your creditworthiness and could be higher than the stated rate. Payment example: A 2023 auto financed for 48 months @ 5.74% APR would have a monthly payment of approximately $23.37 per $1,000 borrowed. Loans are subject to credit approval. Please ask a loan officer for details on how your rate is determined.

4In connection with these car sales, there is no warranty, guarantee or indemnity on the part of this Credit Union either expressed or implied. Promotional period begins January 1, 2024 and ends December 31, 2024. Use Georgia’s Own Credit Union’s Carfinder Service and finance your vehicle with Georgia’s Own during the promotional period and take .25% off of your current auto loan rate on new, used, and refinanced vehicle. Loan terms may vary based on individual credit worthiness and other qualifying factors. Minimum APR is 1.74%. Payment example: A 2023 auto financed for 60 months at 7.66% APR would have a payment of approximately $19.52 per $1,000 borrowed. Loans are subject to credit approval.

5NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. Non-purchase and purchase entries have an equal chance of winning. Open to legal U.S. residents 18 or older as of July 1, 2024. For complete sweepstakes terms and details on non-purchase entries, see official rules. Offer only valid July 1, 2024 through July 31, 2024. You will be entered to win a $900 Amazon gift card each time you make a purchase of $25 or more with your Georgia’s Own Visa Signature®, Platinum, Student, or Classic credit card. Must be in good standing.