Credit union · NCUA insured
Georgia's Own Credit Union Credit Card Rates
Georgia's Own Credit Union credit cards start at 17.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Georgia's Own Credit Union’s credit card rates compare
Compared with banks and credit unions near Atlanta, GA, where Georgia's Own Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Georgia's Own Credit Union
17.74%APR
- Up to
- —
Visa Platinum
Lowest rate
Faith Connection FCU
8.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Family First Credit Union
8.90%APR
- Up to
- 17.90% APR
Georgia's Own Credit Union credit card score
60
Credit card score
Higher than 2% of U.S. banks and credit unions
- Purchase APRPurchase APR17.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Georgia's Own Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Student Visa
Must be at least 18 years old and enrolled in college; student ID required to qualify.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.74% | None | Variable Annual Percentage Rate may be adjusted monthly and will be determined by adding a margin of 10.74% to the highest U.S. Prime Rate published in The Wall Street Journal five business days preceding the 1st calendar day of the month. Rate will not exceed 29.99%. Average daily balance method (including new purchases). |
Sources (3)
All captured Oct 5, 2026
Visa Classic
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 21.74% | None | Variable Annual Percentage Rate may be adjusted monthly and will be determined by adding a margin of 14.74% to the highest U.S. Prime Rate published in The Wall Street Journal five business days preceding the 1st calendar day of the month. Rate will not exceed 29.99%. Average daily balance method (including new purchases). |
Sources (3)
All captured Oct 5, 2026
Visa Classic Secured
Secured by money in a savings account acting as collateral.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 21.74% | None | Variable Annual Percentage Rate may be adjusted monthly and will be determined by adding a margin of 14.74% to the highest U.S. Prime Rate published in The Wall Street Journal five business days preceding the 1st calendar day of the month. Rate will not exceed 29.99%. Average daily balance method (including new purchases). |
Sources (3)
All captured Oct 5, 2026
Visa Platinum
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.74% | None | Variable Annual Percentage Rate may be adjusted monthly and will be determined by adding a margin of 10.74% to the highest U.S. Prime Rate published in The Wall Street Journal five business days preceding the 1st calendar day of the month. Rate will not exceed 29.99%. Average daily balance method (including new purchases). |
Sources (3)
- georgiasown.org/credit-cards
- georgiasown.org/credit-cards/visa-platinum
- georgiasown.org/all-rates-page
All captured Oct 5, 2026
Visa Signature
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.74% | None | Variable Annual Percentage Rate may be adjusted monthly and will be determined by adding a margin of 12.74% to the highest U.S. Prime Rate published in The Wall Street Journal five business days preceding the 1st calendar day of the month. Rate will not exceed 29.99%. Average daily balance method (including new purchases). |
Sources (3)
- georgiasown.org/credit-cards
- georgiasown.org/credit-cards/visa-signature
- georgiasown.org/all-rates-page
All captured Oct 5, 2026
Who can join Georgia's Own Credit Union
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.
Membership information collected October 4, 2026.