7/9/2019

Personal Rates & Service Fees - Georgia’s Own Credit Union

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Personal Rates & Service
Personal Rates & Service
Fees
Fees

Georgia’s Own has some of the best rates around.
Click on a type of account below to ﬁnd out more rates and service fees. Are you looking for Bu

RATES

Auto / Marine / RV Loans

Certificates & IRAs

Home Equity

Money Market Accounts

Mortgage Loans

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Savings & Checking

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7/9/2019

Personal Rates & Service Fees - Georgia’s Own Credit Union

Visa® Platinum

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Interest Rate and Interest Charges

APR for

12.24-15.24%* when you open your account based on your c

Purchases

will vary with the market based on the Prime Rate.

APR for

Balance

Transfers

APR for

Cash

Advances

12.24-15.24%* when you open your account based on your c

will vary with the market based on the Prime Rate.**

12.24-15.24%* when you open your account based on your c

will vary with the market based on the Prime Rate.**

Penalty

19.99%*. This APR may be applied to your account if at any t

APR and

days or more past due. 

When it

Applies

Paying

Interest

How Long Will the Penalty APR Apply? If your APR is increa

apply until you make six consecutive minimum payments wh

Your due date is at least 25 days after the close of each billi

charge you any interest on purchases if you pay your entire 

each month. We will begin charging interest on cash advanc

on the transaction date.

Minimum

None

Interest

Charge

How Will We Calculate Your Balance: We use a method called “average

(including new purchases).”

Information printed is accurate as of July 1, 2019. For an update on inform

VISA Department at (404) 874-1166, (800) 533-2062, or by e-mail. You ca

our VISA Department at PO Box 105205, Atlanta, GA 30348.

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7/9/2019

Personal Rates & Service Fees - Georgia’s Own Credit Union

* Your variable Annual Percentage Rate may be adjusted quarterly and w
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determined by adding a margin between 6.74% and 14.74% to the Prime 
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in the Wall St. Journal ﬁve business days preceding January 1st, April 1st, 

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October 1st each year. Your rate will not be more than 19.99%, regardless

Personal

Street Journal Prime Rate. Your Annual Percentage Rate and margin may

Business

to your creditworthiness and qualiﬁcations. The Penalty APR is a variable

determined by adding 14.74% to Prime Rate.

** Fee for cash advance is 3% of advance amount. Fee for balance transf

transfer amount or $10, whichever is greater. Fee for foreign transactions

currency transaction in U.S. dollars.

Visa® Classic

Visa® Classic Secured

Student Visa®

SERVICE FEES

Checking, Money Market, IRA and Savings Accounts

eServices (Online Banking, Mobile Banking, Bill Pay & 

Miscellaneous Service Fees

Safe Deposit Box

Visa® Credit Cards

OPEN A PERSONAL ACCOUNT

OPEN A BUSINESS ACCOUNT

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800.533.206

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Routing number:
261071438

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Personal Rates & Service Fees - Georgia’s Own Credit Union

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Georgia’s Own Credit Union

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100 Peachtree St. 
Suite 2800 
Atlanta, GA 30303 

USA PATRIOT Act Notice: - To help the government fight the funding of terrorism and money laundering activities, federal
law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a new
account. When you open an account, we will ask for your name, address, date of birth, and other information that will
allow us to identify you. We may also ask to see your driver's license or other identifying documents.  

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