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Georgia's Own Credit Union Money Market Rates

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Rates

  • Auto / Marine / RV Loans
    • Cars, SUVs, Trucks and Vans

      Apply Now Calculator

      Take an additional .25% off your auto loan rate with auto pay**

      Model Years 2020 or newer Approx. Term (Mos)* APR*
      24* 1.74%*
      36* 1.74%*
      48* 1.74%*
      60* 1.74%*
      $15,000 minimum 72* 2.03%*
      $22,000 minimum, <30,000 miles 84* 2.73%*

      Model Years 2018-2019 Approx. Term (Mos)* APR*
      24* 2.04%*
      36* 2.04%*
      48* 2.22%*
      60* 2.31%*
      $15,000 minimum, <60,000 Miles 72* 2.78%*
      $22,000 minimum, <40,000 Miles 84* 3.31%*

      Model Years 2016 - 2017 Approx. Term (Mos)* APR*
      24* 2.95%*
      36* 2.95%*
      48* 3.35%*
      <95,000 miles 60* 3.53%*
      Minimum $15k, <75,000 miles 72* 3.90%*

      Model Years 2014 - 2015 Approx. Term (Mos)* APR*
      24* 3.39%*
      36* 3.79%*
      48* 4.58%*
      <95,000 miles 60* 5.36%*

      Model Years 2013 & Older Approx. Term (Mos)* APR*
      <95,000 miles 36* 5.15%*
      <95,000 miles 48* 5.94%

      Single Payment - All Model Years Approx. Term (Mos)* APR*
      Varies 5.07%*

      * Your APR may differ based on your credit worthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2020 auto financed for 48 months @ 2.14% APR would have a payment of approximately $21.76 per $1,000 borrowed. Subject to Credit Approval.

      **Member must establish auto pay on their auto loan from a Georgia's Own checking or savings account to qualify for rate discount.

      All rates and terms quoted are subject to change.

    • Marine
      Model Years 2012 or newer Approx. Term (Mos.) APR*
      No minimum 60* 6.44%*
      $10,000 minimum 96* 6.44%*
      $15,000 minimum 120* 6.19%*
      $20,000 minimum 144* 5.94%*
      SPECIAL RATE: $30,000 minimum. Must be 2010 or newer. 120* 5.44%*
      $30,000 - $99,999 180* 5.68%*
      $100,000 - $300,000 180* 5.44%*
      Model Years 2006-2011 Approx. Term (Mos.)* APR*
      No minimum 120 max term* Add 0.5%* to all rates above

      *Your APR may differ based on your creditworthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2013 auto financed for 72 months @ 3.19% APR would have a payment of approximately $15.28 per $1,000 borrowed. Subject to credit approval.

      All rates and terms quoted are subject to change.

    • Motor Homes and RVs
      Model Years 2015 or newer Approx. Term (Mos)* APR*
      No minimum 60* 6.44%*
      $10,000 minimum 96* 6.44%*
      $15,000 minimum 120* 6.19%*
      $20,000 minimum 144* 5.94%*
      SPECIAL RATE: $30,000 minimum. Must be 2014 or newer. 120* 5.44%*
      $30,000-$99,999 180* 5.68%*
      $100,000-$250,000 180* 5.44%*

      Model Years 2012-2014 Approx. Term (Mos)* APR*
      No minimum 120 max term* Add 0.75%* to the rates above

      * Your APR may differ based on your credit worthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2013 auto financed for 72 months @ 3.19% APR would have a payment of approximately $15.28 per $1,000 borrowed. For additional payment examples, please visit our loan calculator. Subject to Credit Approval.

      All rates and terms quoted are subject to change.

    • Motorcycles
      Model Years 2017 or newer Approx. Term (Mos)* APR*
      No minimum 36* 4.72%*
      $7,000 minimum 48* 4.72%*
      $12,000 minimum 60* 5.22%*
      $15,000+ 72* 5.47%*

      Model Years 2016 & Older Approx. Term (Mos)* APR*
      No minimum Varies 5.77%*

      * Your APR may differ based on your credit worthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2013 auto financed for 72 months @ 3.19% APR would have a payment of approximately $15.28 per $1,000 borrowed. For additional payment examples, please visit our loan calculator. Subject to Credit Approval.

      All rates and terms quoted are subject to change.

    • ATV/Jet Ski
      Year Approx. Term (Mos)* APR*
      Current Year Models Varies 7.85%*
      Previous Year Model Varies 9.50%

      * Your APR may differ based on your credit worthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Payment example: A 2013 auto financed for 72 months @ 3.19% APR would have a payment of approximately $15.28 per $1,000 borrowed. For additional payment examples, please visit our loan calculator. Subject to Credit Approval.

      All rates and terms quoted are subject to change.

  • Certificates (CDs) & IRAs
    • Certificate Accounts (CDs)

      The following certificate Annual Percentage Yields (APYs) are effective November 1, 2021 and will remain the same through November 30, 2021. The minimum certificate investment is $500.00. Penalty applies for early withdrawal. Fees may reduce earnings on an account.

      Tiers 6 Month* Interest Rate/APY 1 Year* Interest Rate/APY 2 Year** Interest Rate/APY 3 Year* Interest Rate/APY 4 Year** Interest Rate/APY 5 Year* Interest Rate/APY
      $500 - $9,999.99 0.35% / 0.35% 0.55% /
      0.55%       		0.70%/ 0.70% 0.80%/ 0.80% 0.90%/ 0.90% 1.00%/ 1.00%
      $10,000 - $24,999.99 0.35% / 0.35% 0.55% /
      0.55%       		0.70%/ 0.70% 0.80%/ 0.80% 0.90%/ 0.90% 1.00%/ 1.00%
      $25,000 - $49,999.99 0.35% / 0.35% 0.55% /
      0.55%       		0.70%/ 0.70% 0.80%/ 0.80% 0.90%/ 0.90% 1.00%/ 1.00%
      $50,000 - $74,999.99 0.35% / 0.35% 0.55% /
      0.55%       		0.70%/ 0.70% 0.80%/ 0.80% 0.90%/ 0.90% 1.00%/ 1.00%
      $75,000 - $124,999.99 0.35% / 0.35% 0.55% /
      0.55%       		0.70%/ 0.70% 0.80%/ 0.80% 0.90%/ 0.90% 1.00%/ 1.00%
      $125,000 + 0.35% / 0.35% 0.55% /
      0.55%       		0.70%/ 0.70% 0.80%/ 0.80% 0.90%/ 0.90% 1.00%/ 1.00%

      * Interest credited monthly or interest compounded quarterly.
      ** Interest compounded quarterly.

    • Own Your Rate Savings Certificate

      This bump rate certificate gives you the control to bump up your rate should a higher rate become available for that term. Available terms include 22 months for a one-time rate bump and 44 months for two rate bumps. You may call or come into a Georgia's Own branch and have the interest rate raised to match the new, higher rate for the remainder of the term. Have the peace of mind that ifratesgo up you are not 'locked in'.

      Term Length Annual Percentage Yield* # of Rate Bumps Minimum Opening Balance
      22 Month 0.77% 1 $500
      44 Month 1.00% 2 $500

      Important Information

      There are substantial penalties for early withdrawal on all time deposit accounts. Your deposits in savings, savings certificates, and sharedraft/checking accounts at Georgia's Own Credit Union are insured to $250,000, with IRAs insured separately to $250,000 by NCUA.

      * Interest is compounded and credited quarterly.

    • Individual Retirement Accounts

      The following certificate Annual Percentage Yields (APYs) are effective November 1, 2021 to November 30, 2021. The minimum IRA investment is $500.00. Penalty applies for early withdrawal.

      IRA Investments for Traditional, Roth, and Education IRAs

      Tiers 1 Year** Interest Rate/ APY 18 Month* Interest Rate/ APY 2 Year** Interest Rate/ APY 3 Year** Interest Rate/ APY 4 Year** Interest Rate/ APY 5 Year** Interest Rate/ APY
      $500 - $9,999.99 0.55% /
      0.55%       		0.62%/
      0.62%       		0.70%/
      0.70%       		0.80%/
      0.80%      		 0.90%/ 0.90% 1.00%/ 1.00%
      $10,000 - $24,999.99 0.55% /
      0.55%       		0.62%/
      0.62%       		0.70%/
      0.70%       		0.80%/
      0.80%      		 0.90%/ 0.90% 1.00%/ 1.00%
      $25,000 - $49,999.99 0.55% /
      0.55%       		0.62%/
      0.62%       		0.70%/
      0.70%       		0.80%/
      0.80%      		 0.90%/ 0.90% 1.00%/ 1.00%
      $50,000 - $74,999.99 0.55% /
      0.55%       		0.62%/
      0.62%       		0.70%/
      0.70%       		0.80%/
      0.80%      		 0.90%/ 0.90% 1.00%/ 1.00%
      $75,000 - $124,999.99 0.55% /
      0.55%       		0.62%/
      0.62%       		0.70%/
      0.70%       		0.80%/
      0.80%      		 0.90%/ 0.90% 1.00%/ 1.00%
      $125,000 + 0.55% /
      0.55%       		0.62%/
      0.62%       		0.70%/
      0.70%       		0.80%/
      0.80%      		 0.90%/ 0.90% 1.00%/ 1.00%

      * Interest compounded monthly. Rate may change after the account is opened.
      ** Interest compounded and credited quarterly.

    • Club IRA (Compounded Quarterly)
      Balance Annual Percentage Yield*
      $5.01 - $49,999.99 0.08%
      $50,000 - $99,999.99 0.11%
      $100,000+ 0.16%

      * Last dividend paid date September 30, 2021. No minimum deposit to open. Rate subject to change quarterly. There is no Georgia's Own applied penalty for early withdrawal, but IRS penalties may still apply.

  • Personal Loan
    • Line of Credit/Overdraft Line of Credit
      APR*
      10.50%*

      * Your Annual Percentage Rate and Daily Periodic Rate may vary according to your creditworthiness. Please ask a Loan Officer for details on how your rate is determined. Subject to Credit Approval.

      Minimum monthly payment after each advance is 3% of outstanding balance or $25 minimum.

    • Lifestyle Loan
      Approx. Term (Mos) APR
      12 months as low as 6.49%**

      ** Rates are determined based on creditworthiness. Higher rates may apply. Ask a loan officer for details on how your rate is determined. Payment example: A $1,000 loan at 12.99% for 12 months would have monthly payments of approximately $89.31 each. Subject to Credit Approval.

  • Money Market Accounts
    • Money Market Accounts

      Are you looking for a safe, secure place to put your money? One that offers more competitive rates than a traditional savings account while providing easy access to your funds? Then Georgia's Own Money Market Account may be the answer for you.

      Balance Annual Percentage Yield*
      $2,500 - $9,999.99 0.18%
      $10,000 - $24,999.99 0.27%
      $25,000 - $49,999.99 0.30%
      $50,000 - $99,999.99 0.35%
      $100,000 - $249,999.99 0.40%
      $250,000-$499,999.99 0.40%
      $500,000-$999,999.99 0.40%
      $1,000,000-and over 0.40%
      Minimum Balance Requirements: $2,500 to earn dividends

      Fees:
      - Monthly Service Fee: $10/month when balance falls below $2,500.
      - Excess Withdrawal Fee: $10.00 per item if more than six (6) withdrawals per month.

      * Rates are variable and are subject to change without notice. Fees may reduce earnings on this account. Rates are current as of November 1, 2021.

    • Georgia's Own Money Market Advantages

      – Offers 8 balance levels with 8 interest rate* levels – the more you save, the more you earn.
      – Earn dividends by maintaining a daily balance of $2,500 – dividends are compounded monthly.
      – Withdraw from this account up to 6 times in a month.
      – Withdrawals can be made using money market checks, through Online Banking, by phone or in person at any Georgia's Own Branch.
      – No minimum deposit to open a money market account, however there is a monthly service fee of $10 if your daily balance falls below $2,500.

  • Mortgage Loans

    • Today's Rates**

      **These rates are estimates for purchase transactions only, not refinances. Actual rates may vary depending on your individual credit history and other qualifying factors. Rates, terms, and fees subject to change without notice. Subject to credit approval.

      PRODUCT RATE APR
      Conventional 30 Year Fixed 3.000% 3.147%
      Conventional 20 Year Fixed 2.875% 3.083%
      Conventional 15 Year Fixed 2.250% 2.516%
      Conventional 10 Year Fixed 2.375% 2.763%
      FHA 30 Year Fixed 3.000% 3.675%
      VA 30 Year Fixed 3.000% 3.010%

      Loan Assumptions and Disclosures

  • Secured Loans
    Loan Type Approx. Term (Mos)* APR*
    Savings Secured***
    36* 3.00%
    48* 3.50%
    60* 3.75%
    84* 5.00%
    Certificate Secured****
    Rate is 3% above certificate rate

    * Please ask a loan officer for details on how your rate is determined. Savings Secured Loan Payment Example: Loan amount of $20,000 at 2.5% APR for 60 months has a payment of $354.95.
    ** Your APR may differ based on your credit worthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Subject to Credit Approval.
    *** Fully secured with savings on deposit at Georgia's Own
    **** Fully secured with certificates of deposit at Georgia's Own. The loan rate will be 3% higher than the rate of the certificate which secures the loan. Please speak with a loan officer to determine your actual rate.

  • Home Equity
    • ReadiEquity Line of Credit

      – Rates as low as 4.00% APR*—rates subject to change monthly
      – Lines of credit from $10,000 up to $300,000**
      – ReadiEquity Lines of Credit are not offered on investment properties or second homes

      *Rates as low as 4.00% APR. Rates are variable and subject to change. Your Annual Percentage Rate (APR) may differ from the one shown and will be based on your credit worthiness and loan to value. Rate may not exceed 18% at any time. Property and/or flood insurance may be required. Terms, rates, and conditions are subject to change without notice.**Maximum loan amount is $250,000 for CLTV above 80%, but not exceeding 95% with mortgage insurance approval. Maximum loan amount is $300,000 if CLTV is 80% or less. Investment and rental properties cannot be vacant.

    • Home Equity Fixed Rate Loan

      Take advantage of a low, fixed-rate for the life of the loan. Contact the home equity department at 404.874.1166 (option 2) for today's rates.

      – Borrow from $10,000 to $300,000*

      *Your Annual Percentage Rate (APR) may differ from the one shown and will be based on your credit worthiness and loan to value. Please ask a loan officer for details on how your rate is determined. Property and/or flood insurance may be required. Terms, rates, and conditions are subject to change without notice. For primary residence: Maximum loan amount is $250,000 for CLTV above 80%, but not exceeding 95% with mortgage insurance approval; Maximum loan amount is $300,000 if CLTV is 80% or less. Investment and rental properties cannot be vacant.

    • Green Loans

      In an effort to go green, Georgia's Own Credit Union will offer a 1% rebate up to $500 when you use your ReadiEquity Line of Credit or Fixed Rate Home Equity Loan for Energy Star qualified home improvements. A complete list of products can be found at http://www.energystar.gov.*

      *Must provide proof of purchase to qualify for rebate. One rebate per year is available.

  • Savings & Checking
    • Share Accounts

      The dividend rates and Annual Percentage Yield for the following share accounts are based on the below tiered structure:

      – Regular Savings
      – Holiday Savings
      – Resolution Savings
      – Club Individual Retirement Savings
      – i[save]
      – Coindexter Club® Savings
      – Vacation Savings

      Balance* Dividend Rate** APY
      $5.01-$49,999.99 0.08% 0.08%*
      $50,000-$99,999.99 0.11% 0.11%*
      $100,000+ 0.16% 0.16%*

      * Last dividend paid date September 30, 2021 applies to Regular Savings, Coindexter Club, and i[x] savings. Fees for excess withdrawals within a quarter could reduce earnings on regular savings accounts. Dividends on savings and checking accounts are variable and are subject to change after the account is opened.
      ** Rate effective for November 1, 2021 applies to All Access Checking, i[check] and HSA Checking.
      *** Distributions for qualified medical expenses are tax-free and penalty-free at any age. After age 65, distributions for non qualified medical expenses are penalty-free.

    • Checking Account
      Account Type Dividend Rate* APY**
      Perks+ Checking
      -$0.00 to $1,499.99
      -$1,500 to $2,499.99
      -$2,500 or greater      		 0.01%
      0.02%
      0.04%      		 0.01%
      0.02%
      0.04%
      All Access Checking 0.01% 0.01%
      i[check] 0.01% 0.01%
      HSA Checking*** 0.01% 0.01%
      Golden Bell Checking 0.01% 0.01%

      APY = Annual Percentage Yield.
      * Last dividend paid date September 30, 2021 applies to Regular Savings, Coindexter Club, and i[x] savings. Fees for excess withdrawals within a quarter could reduce earnings on regular savings accounts. Dividends on savings and checking accounts are variable and are subject to change after the account is opened.
      ** Rate effective for November 1, 2021 applies to All Access Checking, i[check] and HSA Checking.
      *** Distributions for qualified medical expenses are tax-free and penalty-free at any age. After age 65, distributions for non qualified medical expenses are penalty-free.

  • Visa Credit Cards
    • Visa Signature
      Interest Rate and Interest Charges for Visa Signature®
      APR for Purchases 11.99%-14.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
      APR for Balance Transfers 11.99%-14.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate. **
      APR for Cash Advances 11.99%-14.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
      Penalty APR and When it Applies 24.99%* This APR may be applied to your account if at any time your account is 60 days or more past due.
      How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.
      Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
      Minimum Interest Charge None

      How Will We Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

      Information printed is accurate as of October 1, 2020. For an update on information call the Visa® Department at (404) 874-1166, (800) 533-2062, or by e-mail. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.

      * Your variable Annual Percentage Rate may be adjusted quarterly and will be determined by adding a margin between 8.74% and 11.74% to the Prime Rate published in the Wall St. Journal five business days preceding January 1st, April 1st, July 1st, and October 1st each year. Your rate will not be more than 24.99%, regardless of The Wall Street Journal Prime Rate. Your Annual Percentage Rate and margin may vary according to your creditworthiness and qualifications. The Penalty APR is a variable rate determined by adding 14.74% to Prime Rate.

      ** Fee for cash advance is 3% of advance amount. Fee for balance transfer is 3% of transfer amount or $10, whichever is greater. Fee for foreign transactions is 2% of each currency transaction in U.S. dollars.

    • Visa Platinum
      Interest Rate and Interest Charges for Visa® Platinum
      APR for Purchases 9.99%-12.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
      APR for Balance Transfers 9.99%-12.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
      APR for Cash Advances 9.99%-12.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
      Penalty APR and When it Applies 17.99%*. This APR may be applied to your account if at any time your account is 60 days or more past due.
      How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.
      Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
      Minimum Interest Charge None

      How Will We Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

      Information printed is accurate as of October 1, 2020. For an update on information call the Visa® Department at (404) 874-1166, (800) 533-2062, or by e-mail. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.

      * Your variable Annual Percentage Rate may be adjusted quarterly and will be determined by adding a margin between 6.74% and 9.74% to the Prime Rate published in the Wall St. Journal five business days preceding January 1st, April 1st, July 1st, and October 1st each year. Your rate will not be more than 19.99%, regardless of The Wall Street Journal Prime Rate. Your Annual Percentage Rate and margin may vary according to your creditworthiness and qualifications. The Penalty APR is a variable rate determined by adding 14.74% to Prime Rate.

      ** Fee for cash advance is 3% of advance amount. Fee for balance transfer is 3% of transfer amount or $10, whichever is greater. Fee for foreign transactions is 2% of each currency transaction in U.S. dollars.

    • Visa Classic
      Interest Rate and Interest Charges for Visa® Classic
      APR for Purchases 11.99-16.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
      APR for Balance Transfers 11.99-16.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
      APR for Cash Advances 11.99-16.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
      Penalty APR and When it Applies 17.99%* This APR may be applied to your account if at any time your account is 60 days or more past due.
      How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.
      Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
      Minimum Interest Charge None

      How Will We Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

      Information printed is accurate as of October 1, 2020. For an update on information call the Visa® Department at (404) 874-1166, (800) 533-2062, or by e-mail. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.

      * Your variable Annual Percentage Rate may be adjusted quarterly and will be determined by adding a margin between 8.74% and 13.74% to the Prime Rate published in the Wall St. Journal five business days preceding January 1st, April 1st, July 1st, and October 1st each year. Your rate will not be more than 19.99%, regardless of The Wall Street Journal Prime Rate. Your Annual Percentage Rate and margin may vary according to your creditworthiness and qualifications. The Penalty APR is a variable rate determined by adding 14.74% to Prime Rate.

      ** Fee for cash advance is 3% of advance amount. Fee for balance transfer is 3% of transfer amount or $10, whichever is greater. Fee for foreign transactions is 2% of each currency transaction in U.S. dollars.

    • Visa Classic Secured
      Interest Rate and Interest Charges for Visa® Classic Secured
      APR for Purchases 9.99-16.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
      APR for Balance Transfers 9.99-16.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
      APR for Cash Advances 9.99-16.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
      Penalty APR and When it Applies 17.99%* This APR may be applied to your account if at any time your account is 60 days or more past due.
      How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.
      Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
      Minimum Interest Charge None

      How Will We Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

      Information printed is accurate as of October 1, 2020. For an update on information call the Visa® Department at (404) 874-1166, (800) 533-2062, or by e-mail. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.

      * Your variable Annual Percentage Rate may be adjusted quarterly and will be determined by adding a margin between 6.74% and 13.74% to the Prime Rate published in the Wall St. Journal five business days preceding January 1st, April 1st, July 1st, and October 1st each year. Your rate will not be more than 19.99%, regardless of The Wall Street Journal Prime Rate. Your Annual Percentage Rate and margin may vary according to your creditworthiness and qualifications. The Penalty APR is a variable rate determined by adding 14.74% to Prime Rate.

      ** Fee for cash advance is 3% of advance amount. Fee for balance transfer is 3% of transfer amount or $10, whichever is greater. Fee for foreign transactions is 2% of each currency transaction in U.S. dollars.

    • Student Visa
      Interest Rate and Interest Charges for Student Visa®
      APR for Purchases 12.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
      APR for Balance Transfers 12.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
      APR for Cash Advances 12.99%* when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.**
      Penalty APR and When it Applies 17.99%* This APR may be applied to your account if at any time your account is 60 days or more past due.
      How Long Will the Penalty APR Apply? If your APR is increased, your Penalty APR will apply until you make six consecutive minimum payments when due.
      Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
      Minimum Interest Charge None

      How Will We Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

      Information printed is accurate as of October 1, 2020. For an update on information call the Visa® Department at (404) 874-1166, (800) 533-2062, or by e-mail. You can also write to our Visa Department at PO Box 105205, Atlanta, GA 30348.

      * Your variable Annual Percentage Rate may be adjusted quarterly and will be determined by adding a margin of 9.74% to the Prime Rate published in the Wall St. Journal five business days preceding January 1st, April 1st, July 1st, and October 1st each year. Your rate will not be more than 19.99%, regardless of The Wall Street Journal Prime Rate. Your Annual Percentage Rate and margin may vary according to your creditworthiness and qualifications. The Penalty APR is a variable rate determined by adding 14.74% to Prime Rate.

      ** Fee for cash advance is 3% of advance amount. Fee for balance transfer is 3% of transfer amount or $10, whichever is greater. Fee for foreign transactions is 2% of each currency transaction in U.S. dollars.

Service Fees (Effective February 15, 2020)

Loan Assumptions and Disclosures

These sample rates are published weekdays at 10:00am EST.

The information provided is general and assumes only the following scenario:

  • Purpose of the loan: Purchase a property.
  • Property location: Atlanta, GA 30303
  • Property Type: Existing single family home
  • Property Use: Primary residence
  • Estimated property value: $200,000
  • Estimated down-payment: $40,000
  • Loan amount: $160,000 (80% Loan to Value)
  • Credit Score: 740
  • Escrow (impound) account is required.
  • Rate lock period is 45 days.
  • Fees: $3000 to estimate closing costs in order to approximate an APR.
​

Georgia's Own Credit Union Money Market Rates

Source: https://www.georgiasown.org/personal-account-rates-service-fees/

Posted by: feldmanbefterver.blogspot.com

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