Georgia's Own was founded on the credit union philosophy of people helping people and is dedicated to providing its members with exceptional savings and quality service. Georgia's Own offers a wide variety of financial products and services: savings, savings certificates, IRAS, checking accounts, auto loans, personal loans, mortgage services, credit cards, and electronic services,... show more
Eligibility
Find out if you are eligible to join Georgia's Own Credit Union.
Georgia's Own Credit Union Reviews
5
19%
4
11%
3
8%
2
7%
1
55%
2.3
73 reviews
73 reviews
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Georgia's Own Credit Union
Ms Bree @ceobree
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5 Star Rating
I see so many negative reviews about this banking institution, and I honestly have to say that my experience has been the complete opposite. I have been a customer for years and have yet to experience the kind of poor customer service that others mention.
For me, it really comes down to who helps you. I am always glad when I get Treece. She never makes you feel like just another number. Instead, she takes the time to make sure I fully understand what is going on with my account before I leave. She clearly explains exactly what I am signing up for and answers every question without making me feel rushed.
When it comes to your money, transparency and patience matter. Nobody wants to feel like they are being manipulated or pressured into something they do not understand. Treece makes sure that does not happen.
After reading some of the terrible reviews, I can honestly say I am grateful that I get the chance to work with her. Customer service like that truly makes a difference.
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Product: Georgia's Own Credit Union Investments
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Georgia's Own Credit Union
mikemauden @mikemauden
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1 Star Rating
BEWARE! If you do business with these sleazy folks, they will sell your personal information, and you'll be constantly spammed. We started receiving 2-3 pieces of junk mail EVERY DAY related to our account with them.
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Product: Georgia's Own Credit Union Home Equity
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Georgia's Own Credit Union
em wells @dashunewells
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3 Star Rating
Today is Thursday in Atlanta, Georgia, at 5:00 p.m. I called the customer service number 874-1161, and I was assisted by Miss Tiffany. Miss Tiffany may have been a little drained, or perhaps she had some prejudices because when I called her to tell her about the issues with my card, she started sighing as if she was tired of listening. She had just answered the phone. If you plan to employ people who are not up to the task, I kindly suggest finding individuals who can provide better service. How she treated me was inappropriate, especially considering that I am not a new member; I've been a member since 2018.
I'm aware that the rating starts at 1.8, which reflects the poor customer service quality. The only reason I haven't switched is that I've been with you for so long and usually don't have problems except when I call customer service. Dear Tiffany, I pray that your day improves and that you don't project your frustrations onto customers. However, I noticed that you seem tired of listening to what they have to say. This is my account, and you should handle it with care, as if it were your own. Your lack of concern was apparent as you sighed over the phone. This is not the way to treat people.
I felt slighted, possibly for racial reasons, but it's all good. I'll continue to take the high road. It is unfortunate that the outsourced help, such as the one provided by Georgia's Own Credit Union, can be so nasty, disgusting, and have such unpleasant attitudes. Perhaps they require etiquette training. This won't deter me from calling about my account if I suspect an issue. Now I see that it might be necessary to have someone who can thoroughly investigate my account and its legitimacy, given that I have had to deal with fraudulent activities as well.
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Product: Georgia's Own Credit Union Checking
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Georgia's Own Credit Union
Debra Snyder @djsnyder199
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1 Star Rating
Don't even consider Georgia's Own. Choose another credit union or bank. If I could give a minus 1 star, I would. I became a member in April 2023 and used the Westover branch. After repeatedly waiting in long lines regardless of day or time and dealing with most tellers being anything but friendly, I decided to use the Lee County branch despite it being less convenient for me. What a difference. It was a much better experience, and I never dealt with any issues there. The wait times were reasonable, and all tellers were pleasant. The whole vibe was the exact opposite of Westover. Unfortunately, Management decided to close the Lee County branch. Now, since Lee County customers have to go to Westover or East Albany, it is absolutely horrible. I have never seen more than two tellers at the counter and one in the drive-thru. (I am there at least once a week.) One Friday, there was literally only one teller at the counter, and she said she would be by herself all day! Also, the ATM machine has been out of service on three separate occasions. On July 5th, their whole system was down. At 9:15 am, myself and at least 15 other vehicles who had been waiting since 9 am were let down. Today, when I went through the drive-thru, I was greeted with a crabby "What are we doing today?" No good morning, no hello... nothing. Then, when the tube came back, there was complete silence. No thank you, not even a have a nice day. Great customer service! As soon as I can take a business day off, I'm switching banks.
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Product: Georgia's Own Credit Union Business Services
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Georgia's Own Credit Union
tieshasa @tieshasa
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1 Star Rating
Do not use this fake bank! This is by far the worst bank I have ever had. Everything is automated and I'm never able to speak to someone. You cannot send money or receive money more than three times a day. Imagine being a business owner and not being able to process payments, send money, or receive money because the bank said you're not allowed to. I have lost money, time, and business because of this bank, and I'm contacting my lawyers for further assistance.
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Product: Georgia's Own Credit Union Business Services
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Georgia's Own Credit Union
Dswinterwa @Dswinterwa
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1 Star Rating
This bank will NOT wire money! I took out a HELOC loan and needed funds within a couple of weeks of closing. I assumed that I could access my funds in a day or two like any other financial institution in 2025. When I called to begin the process, I was informed that they did not have the capability to wire money and that the only way to access my funds was through paper checks - yes, in 2025, I had to write a paper check and wait for it to clear (7 days). That's not all - my checks would take 3-4 weeks to be printed and sent.
I asked if they could expedite the printing and shipment of the checks and was told that it was not possible.
Basically, I spent quite a bit of time, effort, and money to secure a line of credit that I could not use. I have since looked through all of the paperwork and reviewed the website, and there is no mention that they do not provide wire services for the loan. I guess they never said that they could, but that's pretty much an expectation. When you purchase a car, you assume that the steering wheel is included.
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Product: Georgia's Own Credit Union Home Equity
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Georgia's Own Credit Union
roman korowin @romankorowin
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1 Star Rating
This company is terrible. Why? Just try them out. They are no help. They shouldn't be allowed to manage money. They don't care about loyalty.
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Product: Georgia's Own Credit Union Business Services
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Georgia's Own Credit Union
Karin @alphachiks
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1 Star Rating
For almost a year, my husband and I have had issues with the GA Own Bill Pay module. Bills scheduled on a recurring pay schedule are either paid late or not at all. We have continually been billed late fees by our creditors. The most recent experience is my credit card not being paid for two billing cycles. This has caused my credit card company to report a late payment of $50 to the credit bureaus and a decrease in my credit score from 784 to 669. Never in my 60 years of life have I had a score under 740.
I started complaining about this problem in January 2024. GA Own connected me with a CSR who works with the programmers. I tested the system with her. She and I had contact for a couple of months trying to troubleshoot the problems. I could not continue because nothing was changing; the errors kept happening repeatedly, the CSR did not seem to have any support from GA Own management, and I felt my valuable time was being wasted. I'm not sure what is happening at GA Own, but I think you either need a complete company overhaul or just close your doors and stop making our (your customers) lives harder than they should be. Shame on GA Own Credit Union for forcing me to write this and for posting it in every place I can find on the internet. But someone needs to warn others!
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Product: Georgia's Own Credit Union Checking
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Georgia's Own Credit Union
kay fi @kayf6ujkll
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1 Star Rating
They close your card and take all your money without asking or saying a word. They are the worst; they have a $35 overdraft fee even if you overdraft by 2 cents. They have so many fees; it's so sad.
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Product: Georgia's Own Credit Union Checking
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Georgia's Own Credit Union
Dena hutto @dlivinga
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1 Star Rating
Absolutely the worst bank/credit union ever. It takes you half a day to speak to someone on the phone, and the bank staff can never help you if there is an issue. They have allowed more than a couple of fraudulent charges to go through since they bought out United 1st Credit Union. I wasn't even given the chance to file a dispute, just passed from teller to fraud department to whoever else can't do anything. Do not bank here. They do not stop unauthorized activity on your account and will allow transactions to clear that you, the account holder, did not authorize. The reviews speak for themselves; this credit union should be shut down.
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Product: Georgia's Own Credit Union Checking
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Georgia's Own Credit Union
Kenneth Shorter @Kshorter90
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1 Star Rating
I started a dispute regarding some fraud, so my car payment got involved in the dispute. Consequently, Georgia Own sent an email to Sports Imports requesting that the money be returned to them. They then wrote a letter confirming that the $275 did come out of my account, as usual. The payment has been coming out twice a month, on the 9th and 24th. Sports Imports informed me that the payment was sent back. However, I haven't received anything yet, and it's been a month. To add insult to injury, they want me to contact Sports Imports as if I were the bank. So I have no money or car because of this situation. Instead of my credit union trying to help me get my money back, I was told that the situation will remain on hold until I provide the necessary information. This makes me question why I should even bank with them. It's disappointing that your own bank won't help their customer.
Stay away from Georgia Own, people. They don't care about you or your hard-earned money.
I have a wife and kids, and I live paycheck to paycheck.
It's been over a month now. Sad.
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Product: Georgia's Own Credit Union Checking
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Georgia's Own Credit Union
Audrey @audreyl1980
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1 Star Rating
My son Kentez bought a car through Georgia's Own Credit Union. He purchased the extended warranty so that if anything happened to his car, they would fix it. His car messed up three months before having it for a year. He had it towed to the Volkswagen dealership. The extended warranty they advised me to purchase came into play, saying they wouldn't cover the repairs. He felt like it was a scam; why would he purchase extra coverage on a car if it wouldn't pay to fix it when he needed it?
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Product: Georgia's Own Credit Union Car Loans
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Georgia's Own Credit Union
Marvin Cooper @gacoopers
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1 Star Rating
Stay far away from this institution. They will play games with your money, placing holds that deny you access to your funds and creating fees. They are the worst.
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Product: Georgia's Own Credit Union Checking
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Georgia's Own Credit Union
pjbookerotb @pjbookerotb
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2 Star Rating
I have had assets here before it was Georgia's Own Credit Union (since the early '90s when it was Federated Credit Union). It's not current in user/client capabilities (mobile deposits, Zelle, mobile apps for credit cards). The last straw for me, however, is Georgia's Own closed my credit card of over 12 years at the time of renewal because I didn't 'qualify based on over-the-limit incidents in a 24-month period.' I accept that charging to the limit and then paying off probably isn't the best card management, but if the over-the-limit incidents occur when interest is added—well, that's unfortunate. I moved all assets to other institutions—problem solved.
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Product: Georgia's Own Credit Union Credit Cards
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Georgia's Own Credit Union
henry hcadwall @hcadwall
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1 Star Rating
Don't ever use this bank for your car loans. They have an $8 convenience fee for making online payments. Very, very expensive. This inflates their interest rate without any declarations. Mail in the payments, you say? I have tried that, and they hold your checks for up to 27 days to collect a 7.14% per diem interest increase for more profits! What a scam they are running!
Get answers to your questions about Georgia's Own Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
No, there are no Georgia's Own credit cards with a 0% APR on balance transfers. This doesn't mean you're out of options, though, as there are several options offered by other issuers. A good option to consider is the Citi Double Cash® Card. The card offers a balance transfer APR of 0% for 18 months. The card's regular APR is 17.49% - 27.49% (V). There is also a 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer.
The Citi Double Cash Card has a $0 annual fee and requires at least good credit for approval.
Notable Credit Cards With a 0% APR on Balance Transfers
No, Georgia's Own Credit Union does not currently integrate with Zelle. This means you cannot directly send or receive money through Zelle using your Georgia's Own Credit Union account. Georgia's Own Credit Union offers “Pay a Person” a service that let you make immediate payments to family and close friends.
You can manage your account information online by signing up for Online Banking (https://www.georgiasown.org/online-banking/?bank=1), or you can give Georgia's Own Credit Union a call at 800.533.2062.
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