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Important Message
You are now leaving Georgia's Own Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Important Message
You are now leaving Georgia's Own Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Important Message
You are now leaving Georgia's Own Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Important Message
You are now leaving Georgia's Own Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Important Message
You are now leaving Georgia's Own Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Important Message
You are now leaving Georgia's Own Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Important Message
You are now leaving Georgia's Own Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Important Message
You are now leaving Georgia's Own Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Important Message
You are now leaving Georgia's Own Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
United 1st Classic Credit Card Annual Percentage Rates range from 7.9% - 16.9% and are based on credit worthiness. There is No Annual Fee, No Balance Transfer Fee, and No Cash Advance Fee.
Important Message
You are now leaving Georgia's Own Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.
Truth-In-Savings Disclosure
Effective July 1, 2021
The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.
| Credit Union Membership | |
|---|---|
| Membership Fee | $0 |
| Membership Share | $5 |
| Share/Savings Account Fees | |
|---|---|
| Share Savings Account Excessive Withdrawal Fee (after the 4th withdrawal per month) | $5 |
| Club Accounts (Christmas, Back-to-School, Vacation) Early Withdrawal Fee | $10 |
| Share Draft/Checking Account Fees | |
|---|---|
| NSF Fee | $30/occurrence |
| Stop Payment Fee | $20/request |
| Share Draft/Checking Overdraft Transfer Fee | $5/occurrence |
| Check Cashing | $8/check |
| Check cashing fees will apply to members over the age of 18 who do not participate in other credit union services such as: share certificates; loans; have a minimum of $100 in Share Savings or have payroll deduction/direct deposit of at least $100 per month | |
| Safe Deposit Box Fees (Annual Rental) | |
|---|---|
| 3x5 | $15 |
| 5x5 | $20 |
| 3x10 | $25 |
| 5x10 | $35 |
| 10x10 | $60 |
| Change of lock fee | $50 |
| Drilling box fee/lost key | Actual locksmith charges |
| Waycross and Folkston Member Service Center does not offer Safe Deposit Boxes. Safebox content not insured by NCUA. | |
| Other Service Fees | |
|---|---|
| Account Reconciliation Fee | $15/hour |
| Account Research Fee | $15/hour |
| Statement Paper Fee (No charge for members less than 18 or greater than 65 years. No charge for members with a Georgia's Own loan or credit card.) |
$5/month |
| Electronic Statement Fee | $0/month |
| Statement Copy Fee | $3 per statement. FREE using CU Online |
| History Printout Fee | $2/account suffix |
| Return Item Fee | $15/item |
| Wire Transfer | $20/transfer |
| Certified Check Fee | $5/check |
| Cashier's Check Fee | $5/check |
| Legal Process Fee | Actual charges incurred |
| Inactive Account Fee | $5/month, after 1 year & acct. balance under $300 |
| Bad Address Fee | $5/month |
| ATM Surcharge for non Georgia's Own CU cards | $3.00 |
| ATM Fee for Georgia's Own CU Member at Non Georgia's Own ATM | $1.00 |
| Debit Card Replacement (No charge for re-issue if card was compromised. One free re-issue card per year if lost or damaged.) |
$5.00 |
| Uncollected Funds | $30 |
| ACH Return | $30/item |
| ACH Overdraft | $30/item |
| Garnishment | $25 |
| Dormant Account | $25 |
| VISA Preauthorization Cancellation | $50 |
| Items Sent for Collection | Actual Cost |