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

Menu

Online Banking Login

Visa® Classic Secured

User ID:
Username

Student Visa®

Go

Back to Top

https://www.georgiasown.org/rates/

1/4

4/26/2018

Rates - Georgia’s Own Credit Union

Georgia State University Credit Card

Interest Rate

Interest Charges

0% for 6 months, then 11.49-14.49%* 

APR for Purchases

when you open your account based on your creditw

vary with the market based on the Prime Rate.

APR for Balance

0% for 6 months, then 11.49-14.49%* 

Transfers

when you open your account based on your creditw

vary with the market based on the Prime Rate.

APR for Cash

Advances

11.49-14.49%* 

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

Fees

Annual Fee

None**

Transaction Fees 

Cash Advance Fee 

Balance Transfer Fee 

Foreign Transaction Fee

3% of cash advance amount 

3% of the balance transfer; $10 m

2% of the U.S. dollar amount of e

Back to Top

https://www.georgiasown.org/rates/

2/4

 
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.

*The introductory APR for purchases and balance transfers is 0% for 6 mo

date of account opening. After that, your APR will revert to your standard A

purchases and balance transfers. In order to beneﬁt from a grace period a

additional interest on purchases you must pay your balance in full by the p

date. This includes any promotional balance transfers.

**Purchases, balance transfers and cash advances subject to the standard

11.49% – 14.49% based on your creditworthiness and qualiﬁcations. Variab

is 19.49%. Rates valid as of 04/01/2018 and will vary with the market based

Rate. Fee for cash advance is 3% of advance amount. Fee for balance tran

transfer amount or $10, whichever is greater. Fee for foreign transactions i

currency transaction in U.S. dollars. Subject to credit approval. Other limita

apply.

OPEN AN ACCOUNT

Locations
Contact Us

 Blog

 About Us

 Resource Center

 Careers

1-800-533-
2062

Back to Top

https://www.georgiasown.org/rates/

3/4

 
 
 
4/26/2018

Rates - Georgia’s Own Credit Union

Georgia’s Own Credit Union

1155 Peachtree St. NE 
Suite 600 
Atlanta, GA 30309 

Routing number:
261071438

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

https://www.georgiasown.org/rates/

Back to Top

4/4