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Products & Services | saving certificates & IRA’s
We have a number of ways to help you save for the long term. You can choose one of our varying length Savings Certificates or Individual Retirement Accounts.

Savings Certificates

If you're looking for a savings instrument that earns a higher yield than regular savings, check out our Savings Certificates. We have these terms available:

• Six-Month, One-Year, Two-Year and Three Year Certificates
• Can be purchased for as little as $500
• Can also be used as collateral on a loan at Georgia's Own
• View certificate rates and certificate loan rates by visiting our rate pages


Individual Retirement Accounts

An IRA is an excellent tool for supplemental retirement funds. Choose from Traditional, Roth, or Education IRAs.

Features of IRAs at Georgia's Own:

• 18 month, variable rate accounts
• One-Year, Two-Year and Three-Year Fixed Rate Accounts
• Low or no minimum amount required to open
• Can make deposits through payroll deductions
• No administrative or maintenance fees
• Tax-deferred or tax-free interest

As a result of the Tax Reform Act of 1997, the Traditional IRA has added benefits, and the new Roth and Education IRAs provide new tax savings opportunities.

For complete details, contact our IRA Department.

There are substantial penalties for early withdrawal on all time deposit accounts.

Important Information

Your deposits in savings, savings certificates, and sharedraft/checking accounts at Georgia's Own Credit Union are insured to $100,000, with IRAs insured separately to $250,000 by NCUA.

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