Credit union · NCUA insured
Georgia's Own Credit Union
A $4.3B credit union, the 114th largest of 4,329, headquartered in Atlanta, GA, with 242,144 members and 27 branches in Georgia. Best rates: CDs 3.75% and savings 0.75% APY.
Georgia's Own Credit Union Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#32 of 60 in Atlanta, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Georgia's Own Credit Union
Founded in 1934 by eight telephone employees in Atlanta, Georgia, Georgia's Own Credit Union is a member-owned cooperative headquartered in Atlanta.
The credit union has expanded statewide through acquisitions including Vinings Bank in 2022 and surpassed $4 billion in assets in 2023.
- Headquarters
- 100 Peachtree St NW, Atlanta, GA 30303
- NCUA charter
- 67390
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in one of 77 designated Georgia counties are eligible for membership.
Employers and groups
- Employees and retirees of over 600 partner companies throughout Georgia are eligible for membership.
Family and household
- Individuals related by blood, adoption, or marriage to a current Georgia's Own member are eligible for membership.
Cost to join
- A $5 opening deposit into a primary savings account (share account) is required to establish membership.
Branches
27 branches in Georgia
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Georgia
27 branches
Atlanta area · 13
- Alpharetta Branch5825 Windward Pkwy, Alpharetta, GA 30005Directions
- Midtown Branch881 Peachtree St NE Ste B, Atlanta, GA 30309Directions
- Perimeter2 Perimeter Ctr E, Atlanta, GA 30346Directions
- Buford3360 Buford Dr, Buford, GA 30519Directions
- Conyers1861 Highway 138 SE, Conyers, GA 30013Directions
- Douglasville Branch5895 Stewart Pkwy, Douglasville, GA 30135Directions
- Fayetteville Branch131 Ginger Cake Rd, Fayetteville, GA 30214Directions
- Grayson2437 Loganville Hwy, Grayson, GA 30017Directions
- Lilburn Branch4382 Lawrenceville Hwy NW, Lilburn, GA 30047Directions
- Marietta Branch401 Cobb Pkwy N, Marietta, GA 30062Directions
- Morrow Branch7197 Jonesboro Rd, Morrow, GA 30260Directions
- Roswell1184 Alpharetta St, Roswell, GA 30075Directions
- Northlake Branch1979 Lakeside Pkwy Ste 100, Suite 100, Tucker, GA 30084Directions
Albany area · 2
- SW Region - East Albany2101 Rosebrier Ave, Albany, GA 31705Directions
- SW Region - Main Office107 N Westover Blvd, Albany, GA 31707Directions
Augusta area · 2
- East Region - Augusta Branch1424 Walton Way, Augusta, GA 30901Directions
- East Region - Evans Branch4339 Washington Rd, Evans, GA 30809Directions
Waycross area · 2
- SE Region - Blackshear Branch3705 US Highway 84, Blackshear, GA 31516Directions
- SE Region - Waycross Branch2098 Brunswick Hwy, Waycross, GA 31503Directions
Americus area · 1
- SW Region - Americus602 Tripp St, Americus, GA 31709Directions
Bainbridge area · 1
- SW Region - Bainbridge504 W Shotwell St, Bainbridge, GA 39819Directions
Eastman area · 1
- SE Region - Eastman Branch854 College St, Eastman, GA 31023Directions
Folkston area · 1
- SE Region - Folkston Branch3792 Second St S, Folkston, GA 31537Directions
Gainesville area · 1
- Gainesville Branch475 Dawsonville Hwy Ste F, Suite F, Gainesville, GA 30501Directions
Kingsland area · 1
- SE Region - Kingsland Branch160 N Gross Rd, Kingsland, GA 31548Directions
Moultrie area · 1
- SW Region - Moultrie1705 4th Ave NE, Moultrie, GA 31768Directions
Savannah area · 1
- SE Region - Savannah - Mall Blvd.401 Mall Blvd Ste 101A, Suite 101A, Savannah, GA 31406Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.99% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.15% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | -1.10% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $88 | $88 | — |
- CapitalNet worth ratio9.99%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.15%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets-1.10%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$88Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Georgia's Own Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.