2/28/2019
Personal Rates & Service Fees - Georgia's Own Credit Union
Personal ▼
Business ▼
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 Personal Loans Savings & Checking Secured Loans
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2/28/2019
Personal Rates & Service Fees - Georgia's Own Credit Union
Personal ▼ ris Business ▼
Visa® Classic
Visa® Classic Secured
Interest Rate and Interest Charges
APR for Purchases	12.24-19.24%* when you open your account based on your c will vary with the market based on the Prime Rate.
APR for Balance Transfers	12.24-19.24%* when you open your account based on your c will vary with the market based on the Prime Rate.**
APR for Cash Advances	12.24-19.24%* when you open your account based on your c will vary with the market based on the Prime Rate.**
Penalty APR and When it Applies	19.99%* This APR may be applied to your account i1 days or more past due. How Long Will the Penalty APR Apply? If your APF apply until you make six consecutive minimum payi
Paying Interest	Your due date is at least 25 days after the close of < charge you any interest on purchases if you pay yo each month. We will begin charging interest on cash advanc on the transaction date.
Minimum Interest Charge	None
How Will We Calculate Your Balance: We use a method called “average
(including new purchases).”
ObUn
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to our VISA Department at PO Box 105205, Atlanta, GA;
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2/28/2019
Personal Rates & Service Fees - Georgia's Own Credit Union
Personal ▼	* Business ▼ Per age Rate may be adjusted quarterly and w
determined oy adding a margin between 6.74% and 14.74% to the Prime in the Wall St. Journal five business days preceding January 1st, April 1st, October 1st each year. Your rate will not be more than 19.99%, regardless Street Journal Prime Rate. Your Annual Percentage Rate and margin may 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.
Student Visa®
SERVICE FEES
Checking, Money Market, IRA and Savings Accou eServices (Online Banking, Mobile Banking, Bill F Miscellaneous Service Fees
Safe Deposit Box
Visa® Credit Cards
OPEN A PERSONAL ACCOUNT
OPEN A BUSINESS ACCOUNT
800.533.20
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2/28/2019
Personal Rates & Service Fees - Georgia's Own Credit Union
Personal ▼
GEORGIA’S OWb
Business ▼
100 Peachtree St. Suite 2800 Atlanta, GA 30303
rs:
EQUAL H OWING
LENDER
Georgia’s Own Credit Union is federally Insured by the NCLJA
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, verity, 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 identity you. We may also ask to see your driver's license or other identifying documents.
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