4/26/2018

Rates - Georgia’s Own Credit Union

Rates

Georgia’s Own has some of the best rates around.
Click on a type of account below to ﬁnd out more.

Auto / Marine / RV Loans

Certiﬁcates & IRAs

Home Equity

Money Market Accounts

Mortgage Loans

Personal Loans

Savings & Checking

Secured Loans

Visa® Credit Cards

Visa® Platinum

Visa® Classic

Visa® Classic Secured

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4/26/2018

Rates - Georgia’s Own Credit Union

Interest Rate

Interest Charges
User ID:
Username

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11.49–18.49%* 

APR for Purchases

when you open your account based on your creditw

vary with the market based on the Prime Rate.

APR for Balance

11.49–18.49%* 

Transfers

when you open your account based on your creditw

vary with the market based on the Prime Rate.

APR for Cash

Advances

11.49–18.49%* 

when you open your account based on your creditw

vary with the market based on the Prime Rate.

Penalty APR and

19.49%*. This APR may be applied to your account if 

When it Applies

60 days or more past due. 

How Long Will the Penalty APR Apply? If your APR 

APR will apply until you make six consecutive minim

Your due date is at least 25 days after the close of e

not charge you any interest on purchases if you pay 

due date each month. We will begin charging interes

balance transfers on the transaction date.

Paying Interest

Minimum Interest

None

Charge

For Credit Card Tips visit the Consumer Financial Protectio

Fees

Annual Fee

Transaction Fees 

Cash Advance Fee 

Balance Transfer Fee 

Foreign Transaction Fee

None

3% of cash advance amount 

3% of the balance transfer; $10 m

2% of the U.S. dollar amount of e

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4/26/2018

Rates - Georgia’s Own Credit Union

Fees

Penalty Fees 

Late Payment 

Returned Payment

up to $37 (if payment is 15 days l

up to $37

How Will We Calculate Your Balance: We use a method called “average d

(including new purchases).”

Information printed is accurate as of April 1, 2018. For an update on inform

VISA Department at (404) 874-1166, (800) 533-2062, or by e-mail. You can

our VISA Department at PO Box 105205, Atlanta, GA 30348.

* Your variable Annual Percentage Rate may be adjusted quarterly and wil

by adding a margin between 6.74% and 14.74% to the Prime Rate publishe

Journal ﬁve business days preceding January 1st, April 1st, July 1st, and Oc

year. Your rate will not be more than 19.99%, regardless of The Wall Street 

Rate. Your Annual Percentage Rate and margin may vary according to you

creditworthiness and qualiﬁcations. The Penalty APR is a variable rate dete

adding 14.74% to Prime Rate.

Student Visa®

Georgia State University Credit Card

OPEN AN ACCOUNT

Locations
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https://www.georgiasown.org/rates/

1-800-533-
2062

Routing number:
261071438

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4/26/2018

Rates - Georgia’s Own Credit Union

Georgia’s Own Credit Union

1155 Peachtree St. NE 
Suite 600 
Atlanta, GA 30309 

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.  

Privacy Notice

Copyright Georgia’s Own
Credit Union 2018.
Photos by AtlantaPhotos.com

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