Offers

¹Offer only valid January 1, 2025 through March 31, 2025. Georgia’s Own will give you $250 when you open up a new Perks+ Checking account or $100 when you open up a new All Access Checking account. The bonus will be paid within 90 days after account opening and is subject to the following requirements: the member must establish a monthly direct deposit of at least $2,500 per statement cycle; the member must register for online banking; the account must be open and in good standing at the time the bonus is paid; and the member must complete six (6) debit card transactions within each of the two (2) statement cycles after account opening. Membership is required. Accounts are subject to approval. Terms and conditions will apply. Perks+ Checking has a monthly fee of $6.95. Annual Percentage Yields (APY) are current as of January 1, 2025 and subject to change after account opening; fees can reduce earnings. All Access Checking: all balances earn 0.01% APY. Perks+ Checking: balances less than $1,500.00 earn 0.01% APY; balances $1,500.00–$2,499.99 earn 0.02% APY; balances of $2,500.00 and above earn 0.03% APY. Cannot be combined with any other offer. Georgia’s Own may change or discontinue this offer at any time before this date without notice. Offer does not apply to business, employee, second, or multiple checking accounts with Georgia’s Own. Offer not available to existing Georgia’s Own checking account holders or those whose accounts have been closed within 90 days or closed with a negative balance within the last three (3) years. You can receive only one (1) new checking account opening related bonus every two (2) years from the last enrollment date.

²APR = Annual Percentage Rate. Rates effective as of March 1, 2025. 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.

³APR = Annual Percentage Rate. Rates effective as of March 1, 2025. Promotional period begins March 1, 2025 and ends March 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.

⁴Member 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.