Intro – Georgia’s Own Credit Union Reviews & Ranking
AdvisoryHQ recently published its list and review of the top credit unions in Georgia, a list that included Georgia’s Own Credit Union.
Below we have highlighted some of the many reasons Georgia’s Own Credit Union was selected as one of the best credit unions in Georgia.
Click here for a detailed review of AdvisoryHQ’s selection methodology: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions.
Georgia’s Own Credit Union Review
Among credit unions in Atlanta, Georgia, Georgia’s Own Credit Union excels and stands apart for a number of reasons. This credit union in Atlanta, GA has a history spanning over 80 years and now has more than 180,000 members. There are five easy ways to qualify for membership with this credit union in Atlanta, GA.
Image Source: Georgia’s Own Credit Union
Membership is open to employees and retirees of member companies and Select Employee Groups, county residents of counties throughout the Atlanta metro, family members of current members, and members of the Getting Ahead Association as well as students, faculty, staff employees, retirees and alumni of Georgia State University.
Key Factors That Led to Our Ranking of This as a Best Credit Union in Atlanta
Among credit unions in Atlanta, GA, the following are reasons Georgia’s Own is ranked as one of the best.
Georgia’s Own Credit Union Review: Money Markets
Money markets can be a preferred way for a lot of consumers to store their money because they offer security, guaranteed returns, and tend to earn more competitive rates than a traditional savings account. Georgia’s Own Credit Union accounts offer even more advantages beyond these.
There are eight balance levels with eight accompanying interest rate levels, so the more a member of this credit union in Atlanta saves, the more he or she accumulates. Dividends are earned by maintaining a daily balance of just $2,500 and are compounded monthly.
Withdrawals and transfers are allowed from this account up to six times a month and can be made in a number of ways, including money market checks, online banking, by phone or in a branch.
Georgia’s Own Credit Union Review: Green Loans
As a full-service Atlanta credit union, Georgia’s Own features a variety of lending products including Green Loans. This lending product was recently created by this best credit union in Atlanta to incentivize members who buy a hybrid vehicle, purchase Energy Star-rated products or make improvements to their home to make it greener.
Specific Green Loans available from Georgia’s Own, one of the top credit unions in Atlanta, include:
- Green Auto Loan: a 0.5% rate reduction is applied to auto loans for hybrid and alternative fuel vehicles.
- Green Lifestyle Loan: This is a personal loan offered by this credit union in Atlanta that offers a 1% rebate on money borrowed for qualified Energy Star products.
- Home Equity Line of Credit and Fixed Rate Home Equity Loans: These include a 1% rebate on the total amount borrowed, up to $500 for Energy Star-qualified, eco-friendly home improvements.
- Green Mortgage: This Atlanta credit union will take $300 off closing costs for an Energy Star-qualified home or Earth Craft Homes.
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Georgia’s Own Credit Union Review: Online Banking
Just a few years ago, consumers were cautious about working with credit unions in Atlanta because of the accessibility factor, but that’s been completely alleviated with the developments made in online banking. This makes it possible for members of Atlanta credit unions to do essential banking and manage their money anytime, anywhere.
Georgia’s Own has a robust online banking platform, which is one of the many reasons it’s ranked as a best credit union in Atlanta.
This free, secure online banking system offers the ability to view account transactions 24 hours a day, pay bills quickly online, perform mobile deposits, and make fast member-to-member transfers. There are also account-to-account transfers and person-to-person payments available.
E-statements can be accessed for up to 36 months through the online banking portal, and members can set up customized alerts that will let them know, for example, if their balance reaches a certain threshold.
Online banking from this Atlanta credit union can also be used to pay loans.
Georgia’s Own Credit Union Review: Checking and ATM Services
Georgia’s Own, one of the leading credit unions in Atlanta, offers simple, free checking account options, including the All Access and iCheck accounts. Both feature benefits like no monthly service fee or minimum balance requirements, a free Visa Debit card, and free online banking access.
These accounts include access to thousands of shared branches and tens of thousands of surcharge-free ATMs, free mobile deposit and Apple Pay, and dividends are paid on every dollar.
There is also no direct deposit requirement to receive dividends with the accounts from this leader among Atlanta credit unions.
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