Offers
Georgia’s Own membership has its perks. Save even more with these special offers.
Fetch deals for the whole family
Unlock money-saving extras with Perks+ Checking. Open an account by July 31st, and we’ll waive the first three monthly service charges.1
Savings on home loans? Sold.
Get into a new home (or build your dream home) and get .25% off your rate—for a limited time only.2
Lower home equity rates
Don’t just dream it—do it with home equity rates as low as 7.25% APR.3
Hit the gas on savings
With auto loan rates as low as 4.74% APR4 with auto pay5, you don’t have to stall your new-car plans.
Auto pay = auto savings
Sign up for auto pay and save even more on your auto loan rate. On top of low rates and flexible terms, get an extra .25% off your rate.5
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!
1From May 1, 2025 through July 31, 2025, open a new Perks+ Checking account and pay no monthly service charge for the first three months.
2Receive a .25% rate discount from normal current qualified rate on any new primary residence purchase mortgage loan. Must lock in rate by May 31, 2025. Must qualify and receive final approval to be eligible. Not available on investment properties, second homes, refinances, government-sponsored loans (including FHA and VA loans), or employee loans. Cannot be combined with other rate discounts. Offer subject to change without notice. Membership is required.
3APR = Annual Percentage Rate. Rates effective as of May 1, 2025 and are 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 variable-rate 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.
4APR = Annual Percentage Rate. Rates effective as of May 1, 2025. Promotional period begins May 1, 2025 and ends May 31, 2025. Advertised “as low as” APR assumes excellent borrower credit history. Your APR and loan terms may vary based on several factors including creditworthiness, age of the vehicle, or length of the loan term. Your actual APR may be higher than the stated rate. Payment example: A 2024 auto financed for 48 months @ 4.74% APR would have a monthly payment of approximately $22.91 per $1,000 borrowed. Advertised rate and payment example include a 0.25% auto pay rate discount. Please ask a loan officer for details on how your rate is determined. Loans are subject to credit approval. Additional terms, conditions, and limitations may apply.
5Member must establish auto pay on their auto loan from a Georgia’s Own checking account to qualify for rate discount. Cannot be combined with any other offer. Offer ends December 31, 2025.
