Primary Savings

A $5 opening deposit gives you all the benefits of Credit Union membership.1

Make your money rise and grind

Earn dividends on your savings and get a membership “share” in Georgia’s Own when you open a primary savings account.

  • Tiered dividends, with higher rates as you save more
  • No monthly fee (must enroll in eStatements)2
  • Get overdraft transfer protection3 for your checking account
  • Direct deposit available
  • Minimum balance of just $5
  • Insured up to $250,000 by the NCUA

Track your savings on the go 

Meet the ultimate time-saver: the Georgia’s Own mobile banking app. Available on the App Store® and Google PlayTM.

Savings FAQs

Yes, all members must have a primary savings account with a minimum balance of $5. This $5 refundable deposit represents your “share” in Georgia’s Own and is held on deposit as long as you are a member.

With tiered dividends, you get a better rate when you have a higher account balance. See our rates page for details.

Yes, your Georgia’s Own savings, checking, money market, and certificate of deposit accounts are insured up to $250,000 by the NCUA. For additional information, visit the NCUA share insurance estimator.

Level up your money game: check out more savings options


Money Markets

Easy access to your money through online banking, money market checks, by phone, or in person, plus great rates that get even better with higher balances.


Vacation and Holiday Savings

Save for your summer getaway or the holidays. Your balance transfers automatically to your primary savings on May 1st or November 1st.


Certificate of Deposit

Get some of our highest fixed rates on your savings with terms from six months to five years, no monthly maintenance fees, and insurance up to $250,000.


Learning Center

Go beyond banking with resources and news to help you make informed financial decisions.

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How to build your credit score


1A minimum deposit of $5 is required to establish your membership. This $5 refundable deposit represents your “share” in Georgia’s Own and is held on deposit as long as you are a member.

2Enroll in eStatements and avoid the $2 per month paper fee.

3Transfer from one of your other accounts is an optional service that allows you to link your primary savings, overdraft line of credit, or related savings account(s) to your checking account. With this option, we simply transfer the overage amount from the indicated Georgia’s Own account to cover any overdraft(s). You get peace of mind knowing that your transaction is covered and a much smaller fee is incurred than what a returned transaction would cost. Read full Overdraft Services Disclosure.