--- title: "Georgia's Own Credit Union Rates - Georgia" description: "Current auto loan, personal loan, credit card, and savings & cd rates from Georgia's Own Credit Union in Georgia. Updated daily with source verification. See who can join Georgia's Own Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/georgia/georgias-own" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Georgia's Own Credit Union Rates - Georgia ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **<95,000 Miles** auto_any_36mo | — APR | 6.350% | 36 mo | Standard | | **<95,000 Miles** auto_any_48mo | — APR | 7.140% | 48 mo | Standard | Georgia's Own Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **ReadiEquity Line of Credit** ploc_variable | — APR | 6.750% | — | Standard | | **Savings Secured 2** personal_secured | — APR | 7.000% | — | Standard | | **Lifestyle Loan (12 months)** personal_unsecured_12mo | — APR | 7.990% | 12 mo | Standard | Georgia's Own Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **APR for Cash Advances 2** credit_card | — APR | 17.740% | — | Standard | | **APR for Balance Transfers 2** credit_card_balance_transfer | — APR | 17.740% | — | Standard | Georgia's Own Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | **$3,500 Minimum** savings | — APY | 4.35% | — | Standard | | **36-Month Certificate ($3,500+)** cd_36mo | — APY | 4.45% | 36 mo | Standard | | **$15,000 Minimum, <75,000 Miles** savings | — APY | 5.10% | — | Standard | | **48-Month Certificate ($3,500+)** cd_48mo | — APY | 5.37% | 48 mo | Standard | | **60-Month Certificate ($3,500+)** cd_60mo | — APY | 5.40% | 60 mo | Standard | | **$15,000 minimum, <75,000 Miles** cd_72mo | — APY | 5.45% | 72 mo | Standard | | **$22,000 Minimum, <40,000 Miles** savings | — APY | 5.53% | — | Standard | | **$22,000 minimum, <40,000 Miles** cd_84mo | — APY | 5.60% | 84 mo | Standard | | **$40,000 minimum, <30,000 Miles** savings | — APY | 6.03% | — | Standard | | **240-Month Certificate ($300,000–$500,000)** cd_240mo | — APY | 6.34% | 240 mo | Standard | | **240-Month Certificate ($150,000–$299,999)** cd_240mo | — APY | 6.44% | 240 mo | Standard | | **240-Month Certificate ($100,000–$149,999)** cd_240mo | — APY | 6.54% | 240 mo | Standard | | **240-Month Certificate ($50,000–$99,999)** cd_240mo | — APY | 6.64% | 240 mo | Standard | Georgia's Own Credit Union savings & cd rates as of November 13, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Current Year Models** other | — % | 7.950% | — | Standard | | **Previous Year Model** other | — % | 9.600% | — | Standard | | **APR as low as1** other | — % | 11.750% | — | Standard | Georgia's Own Credit Union other rates as of November 13, 2026 Georgia's Own Credit Union is a credit union in Georgia. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/georgia/georgias-own) , verified from [Georgia's Own Credit Union's official website](https://www.georgiasown.org/) Loading branch locator… ## About Georgia's Own Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 242.1K Assets $4.3B Founded 1934 Locations reported 30 NCUA charter 67390 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Georgia United** Atlanta Office · Atlanta · GA · 30303-2724 About 0.3 miles away](https://rateapi.dev/credit-unions/georgia/georgia-united) [**Associated Credit Union** Coca Cola · Atlanta · GA · 30313-2420 About 0.9 miles away](https://rateapi.dev/credit-unions/georgia/associated-credit-union) [**Southern Energy** Georgia Power HQ · Atlanta · GA · 30308-3374 About 1.0 miles away](https://rateapi.dev/credit-unions/alabama/southern-energy) [**Credit Union of Atlanta** Credit Union of Atlanta · Atlanta · GA · 30310 About 1.5 miles away](https://rateapi.dev/credit-unions/georgia/credit-union-of-atlanta) [**B.o.n.d. Community** Pinnacle Credit Union · Atlanta · GA · 30308 About 1.7 miles away](https://rateapi.dev/credit-unions/georgia/bond-community) [**Peach State** Glenwood · Atlanta · GA · 30316-2048 About 2.8 miles away](https://rateapi.dev/credit-unions/georgia/peach-state) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Georgia's Own Credit Union Membership eligibility from Georgia's Own Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Georgia's Own Credit Union's website. Check the membership page below to confirm whether you qualify. - Location appling, atkinson, bacon, baker, barrow, bartow, ben hill, bleckley, brantley, brooks, bryan, calhoun, camden, carroll, charlton, chatham, cherokee, clarke, clay, clayton, clinch, cobb, coffee, colquitt, columbia, coweta, crisp, dawson, decatur, dekalb, dodge, dougherty, douglas, early, effingham, fayette, forsyth, fulton, glynn, grady, gwinnett, hall, henry, jackson, jeff davis, laurens, lee, lowndes, mcintosh, meriwether, miller, mitchell, newton, oconee, paulding, pierce, pulaski, quitman, randolph, richmond, rockdale, seminole, spalding, sumter, stephens, stewart, telfair, terrell, thomas, tift, walton, ware, wayne, webster, wheeler, wilcox, worth — GA - Employer partner company Verified from [Georgia's Own Credit Union's membership page](https://www.georgiasown.org/about-us/membership) . Final membership determination is always made by the credit union. ## Membership rules for Georgia's Own Credit Union Geography 77 counties · Employers 2 · Family 157 published paths to membership, last verified August 21, 2026, quoted from Georgia's Own Credit Union’s own published criteria. ### Geography 77 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Appling County, GA - Atkinson County, GA - Bacon County, GA - Baker County, GA - Barrow County, GA - Bartow County, GA - Ben Hill County, GA - Bleckley County, GA - Brantley County, GA - Brooks County, GA - Bryan County, GA - Calhoun County, GA - Camden County, GA - Carroll County, GA - Charlton County, GA - Chatham County, GA - Cherokee County, GA - Clarke County, GA - Clay County, GA - Clayton County, GA - Clinch County, GA - Cobb County, GA - Coffee County, GA - Colquitt County, GA - Columbia County, GA - Coweta County, GA - Crisp County, GA - Dawson County, GA - Decatur County, GA - Dekalb County, GA - Dodge County, GA - Dougherty County, GA - Douglas County, GA - Early County, GA - Effingham County, GA - Fayette County, GA - Forsyth County, GA - Fulton County, GA - Glynn County, GA - Grady County, GA - Gwinnett County, GA - Hall County, GA - Henry County, GA - Jackson County, GA - Jeff Davis County, GA - Laurens County, GA - Lee County, GA - Lowndes County, GA - Mcintosh County, GA - Meriwether County, GA - Miller County, GA - Mitchell County, GA - Newton County, GA - Oconee County, GA - Paulding County, GA - Pierce County, GA - Pulaski County, GA - Quitman County, GA - Randolph County, GA - Richmond County, GA - Rockdale County, GA - Seminole County, GA - Spalding County, GA - Stephens County, GA - Stewart County, GA - Sumter County, GA - Telfair County, GA - Terrell County, GA - Thomas County, GA - Tift County, GA - Walton County, GA - Ware County, GA - Wayne County, GA - Webster County, GA - Wheeler County, GA - Wilcox County, GA - Worth County, GA “Live or work in certain counties Our field of membership includes 77 counties 1 across the state, making it the easiest way to qualify.” > [source ↗](https://www.georgiasown.org/about-us/membership) Show all 77 places ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of partner company “Work for a partner company We have 600+ partner companies throughout Georgia—find out if your employer is on the list.” > [source ↗](https://www.georgiasown.org/about-us/membership) - Employee of partner company - Retired employee of partner company “You’re eligible as a retiree of one of our partners, too.” > [source ↗](https://www.georgiasown.org/about-us/membership) - Retiree of partner company ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member relative “If you’re related by blood, adoption, or marriage to a current Georgia’s Own member, you can join, too.” > [source ↗](https://www.georgiasown.org/about-us/membership) - Family member (relative) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Georgia's Own Credit Union? Yes No ## Work at Georgia's Own Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Georgia's Own Credit Union ranks against Georgia peers. - See which AI assistants fetched Georgia's Own Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Georgia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=georgias-own&state=georgia&code=GA&name=Georgia's%20Own%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Georgia's Own Credit Union offer? Georgia's Own Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Georgia's Own Credit Union rates updated? RateAPI verifies Georgia's Own Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Georgia's Own Credit Union's rate data? Rate data is collected directly from Georgia's Own Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Georgia's Own Credit Union? Georgia's Own Credit Union publishes its membership criteria on its own website. RateAPI tracks 157 published membership paths covering 77 counties and 2 employers for Georgia's Own Credit Union, each quoted from Georgia's Own Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Georgia's Own Credit Union's rates against national credit-union benchmarks. [More Georgia credit unions](https://rateapi.dev/credit-unions/georgia) [Georgia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/georgia) [Georgia personal loan leaders](https://rateapi.dev/personal-loan-rates/georgia) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.georgiasown.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Georgia's Own Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Georgia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Georgia's Own Credit Union curl "https://api.rateapi.dev/credit-unions/georgia /georgias-own " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Georgia's Own Credit Union locations Search, filter, and browse all 30 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/georgia/georgias-own Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp