Credit union · NCUA insured
Georgia's Own Credit Union Savings Rates
Georgia's Own Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Georgia's Own Credit Union’s savings rates compare
Compared with banks and credit unions near Atlanta, GA, where Georgia's Own Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Georgia's Own Credit Union
0.75%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $75
Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
Georgia's Own Credit Union savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.95%
- QualifiedQualified0.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Georgia's Own Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.75%APY
Minimum opening deposit is $2,500. Rates are variable and subject to change without notice. Dividends compounded monthly. Minimum balance of $2,500 required to earn dividends. $10 monthly service charge if minimum daily balance falls below $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. | 0.50% | — | Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. |
| $10,000 – $25,000Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. | 0.75% | $75 | Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. |
| $25,000 – $50,000Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. | 1.00% | — | Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. |
| $50,000 – $100,000Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. | 1.75% | — | Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. |
| $100,000 – $250,000Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. | 1.95% | — | Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. |
| $250,000 – $500,000Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. | 2.25% | — | Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. |
| $500,000 – $1,000,000Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. | 2.75% | — | Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. |
| $1,000,000 and upMinimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. | 3.50% | — | Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly. |
Sources (4)
- georgiasown.org/savings/money-markets
- georgiasown.org/all-rates-page
- georgiasown.org/rates-checking-savings
- georgiasown.org/rates-money-markets
All captured Oct 5, 2026
Primary Savings
0.10%APY
Must enroll in eStatements to avoid $5 per Mailed Statement Fee. Minimum balance of $5 represents refundable share deposit required for membership. Rates are variable and subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.10% | $10 | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $50,000 – $100,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.15% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $100,000 and upRates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.20% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
Sources (4)
- georgiasown.org/savings
- georgiasown.org/savings/primary-savings
- georgiasown.org/all-rates-page
- georgiasown.org/rates-checking-savings
All captured Oct 5, 2026
Resolution Savings
0.10%APY
Rates are variable and subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.10% | $10 | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $50,000 – $100,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.15% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $100,000 and upRates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.20% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
Sources (1)
- georgiasown.org/rates-checking-savings · captured Oct 5, 2026
i[save]
0.10%APY
Rates are variable and subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.10% | $10 | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $50,000 – $100,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.15% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $100,000 and upRates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.20% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
Sources (1)
- georgiasown.org/rates-checking-savings · captured Oct 5, 2026
Special-purpose accounts
Coindexter Club Savings
0.10%APY
For kids ages 12 and younger. If under 18, an adult is required to open the account and be a joint owner.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.10% | $10 | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $50,000 – $100,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.15% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $100,000 and upRates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.20% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
Sources (3)
- georgiasown.org/savings/youth-accounts/coindexter-club
- georgiasown.org/savings/youth-savings
- georgiasown.org/rates-checking-savings
All captured Oct 5, 2026
Holiday Savings
0.10%APY
Balance transfers automatically to primary savings on November 1st. Rates are variable and subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.10% | $10 | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $50,000 – $100,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.15% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $100,000 and upRates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.20% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
Sources (3)
- georgiasown.org/savings
- georgiasown.org/savings/vacation-and-holiday-savings
- georgiasown.org/rates-checking-savings
All captured Oct 5, 2026
Student Access Savings
0.10%APY
For members ages 13-17. If under 18, an adult is required to open the account and be a joint owner. Must enroll in eStatements to avoid $5 per Mailed Statement Fee. Converts automatically to Primary Savings on 23rd birthday (or between ages 18-22 upon request).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.10% | $10 | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $50,000 – $100,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.15% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $100,000 and upRates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.20% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
Vacation Savings
0.10%APY
Balance transfers automatically to primary savings on May 1st. Rates are variable and subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.10% | $10 | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $50,000 – $100,000Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.15% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
| $100,000 and upRates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. | 0.20% | — | Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month. |
Sources (3)
- georgiasown.org/savings
- georgiasown.org/savings/vacation-and-holiday-savings
- georgiasown.org/rates-checking-savings
All captured Oct 5, 2026
Club Individual Retirement Account
0.05%APY
Interest compounded quarterly. Rates are variable and subject to change without notice. There is no Georgia's Own applied penalty for early withdrawal, but IRS penalties may still apply. Available as Traditional, Roth, or SEP IRAs.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rates are variable and subject to change without notice. Compounded quarterly. | 0.05% | $5 | Rates are variable and subject to change without notice. Compounded quarterly. |
| $50,000 – $100,000Rates are variable and subject to change without notice. Compounded quarterly. | 0.06% | — | Rates are variable and subject to change without notice. Compounded quarterly. |
| $100,000 and upRates are variable and subject to change without notice. Compounded quarterly. | 0.07% | — | Rates are variable and subject to change without notice. Compounded quarterly. |
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.