Georgias Own Credit Union Rates and Review February 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.
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Georgias Own Credit Union's CD of Deposit (CD) 1 Year rates are at 3.62%, 6 month CD of Deposit (CD) 6 Month rates are at 3.62%, Flex CD 1 Year rates are at 3.60%, CD of Deposit (CD) 2 Year rates are at 2.90%, CD of Deposit (CD) 3 Year rates are at 2.90%. Georgias Own Credit Union's savings rates are at 0.10%.
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 by leaving a review below, or read customer reviews before you decide to use . Georgias Own Credit Union Texas RatioGeorgias Own Credit Union's Texas Ratio is at 12.48%, which is considered excellent. The Texas Ratio for Georgias Own Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Georgias Own Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Georgias Own Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Georgias Own Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Georgias Own Credit Union
Home Office 100 Peachtree St NW
Atlanta, GA 30303 
Georgias Own Credit Union CD Rates
Georgias Own Credit Union Savings Rates
Georgias Own Credit Union Checking 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 & OverviewCredit Union Name: Georgias Own Credit Union
Website: https://www.georgiasown.org
Full Time Employees: 537Part Time Employees: 2 President: Richard Burns CEO: Dave Preter Branch Locations: 28 ATM Locations: 32 Corporate Office Address:
100 Peachtree St NW
Atlanta, GA 30303 Phone Number: 404-874-1166 Fax Number: FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Georgias Own Credit UnionIs a member application needed to join Georgias Own Credit Union?Yes, to access services at Georgias Own Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Georgias Own Credit Union provides a range of mortgage and home equity products. Is Georgias Own Credit Union a safe place to deposit money?Yes, Georgias Own Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Georgias Own Credit Union offer online and mobile banking?Most modern institutions like Georgias Own Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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