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iAdvertiser Disclosure
Advertiser Disclosure
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 Georgias Own Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 8, 2026
Georgias Own Credit Union's 1 Year CDs of Deposit (CDs) rates are at 3.62%, 6 Month CDs of Deposit (CDs) rates are at 3.62%, 6-month CD rates are at 3.62%, Flex CD 1 Year rates are at 3.60%, 2 Year CDs of Deposit (CDs) rates are at 2.90%. Georgias Own Credit Union's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Georgias Own Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.48%. Rates were last updated on 04/08/2026. Georgias Own Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Georgias Own Credit Union? Share your experience about Georgias Own Credit Union by leaving a review below, or read customer reviews before you decide to use Georgias Own Credit Union. Georgias Own Credit Union
Home Office 100 Peachtree St NW
https://www.georgiasown.org Atlanta, GA 30303 
Georgias Own Credit Union CD Rates
Georgias Own Credit Union Savings Rates
Georgias Own Credit Union Checking Rates
Georgias Own Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Georgias Own Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Georgias Own Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Georgias Own Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Georgias Own Credit Union
Website
https://www.georgiasown.org
Address
100 Peachtree St NW,
Atlanta, GA 30303
Phone
404-874-1166
Fax
President
Richard Burns
CEO
Dave Preter
Full-Time Employees
537
Part-Time Employees
2
Branch Locations
28
ATM Locations
32
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.48%
Return on Assets (ROA)
0.4124%
Return on Equity (ROE)
3.9235%
Non-Performing Loans Ratio (NPL)
1.76%
Total Assets
4,330,518,140
Total Amount of Shares and Deposits
3,635,299,554
Total Shares and Deposits < 1 Year
3,535,459,622
Total Shares and Deposits 1 3 Years
75,132,249
Total Shares and Deposits > 3 Years
24,707,683
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
441,495,505
Total Uninsured Shares and Deposits > $250K (F+J)
441,495,505
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,193,804,049
Total Interest Expense (Sum of items 6 8)
55,151,736
Share Certificates
28,072
Number of Accounts for Share Drafts
149,269
IRA KEOGH Accounts
5,951
Number of Accounts for Regular Shares
274,794
Non Member Deposits
555
Money Market Shares
8,323
Net Income (unless the amount is already included in Undivided Earnings)
17,858,466
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
340,361,237
Total Liabilities
3,961,690,940
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Georgias Own Credit UnionIs Georgias Own Credit Union a safe place to deposit money?Yes, Georgias Own Credit Union is considered a safe financial institution. With a Texas Ratio of 12.481497347691%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Georgias Own Credit Union operate?Georgias Own Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Georgias Own Credit Union?Yes, to access services at Georgias Own Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Georgias Own Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Georgias Own Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Georgias Own Credit Union offer online and mobile banking?Most modern institutions like Georgias Own Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.georgiasown.org. Current Georgias Own Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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