How do I become a member?

Becoming a member is easy, get started now!

New Member Application – This application does not conclude the account opening process. You will be contacted by a representative to set up an account opening appointment. At this account opening you will be expected to provide a copy of your state Driver’s License / passport / or other valid government issued picture ID card, sign an account card, and receive all account opening documentation. A copy of your Social Security Card may also be requested.**

If you are a new member also interested in submitting a LOAN APPLICATION, please visit our Consumer Loans page and submit your application there. Your credit union membership account opening will be completed as part of your loan closing.

  • You can also download and complete a .pdf version of the Membership Application. (highlighted portions required) – Return your completed application to any branch with a copy of your state Driver’s License / passport / or other valid government issued picture ID card. A copy of your Social Security Card may also be requested.**
  • A savings account begins your credit union membership; simply maintain a positive balance in your account to keep it open. There are no membership fees. This savings account allows you access to the full array of our financial products, services, and membership benefits.

Members are not responsible for maintaining a minimum balance in the required membership savings account. The required minimum balance that must be held in savings for membership (Par Value) is $1, and is currently paid by the credit union (subject to change).  No dividends will be paid on share savings balances less than $100.

Who is qualified to be a member?

Georgia’s Own Credit Union is headquartered in Atlanta, Georgia. We hold a primarily community-based membership with over 230,000 members. Our assets are over $4 Billion and we operate thirty-four branches in Greater Atlanta, Augusta, Savannah, Southwest Georgia, and Southeast Georgia. Currently membership is open to anyone who lives or works in the Georgia counties of Appling, Atkinson, Baker, Bacon, Barrow, Bartow, Ben Hill, Bleckley, Brantley, Brooks, Calhoun, Camden, Carroll, Charlton, Chatham, Cherokee, Clarke, Clay, Clayton, Clinch, Cobb, Coffee, Colquitt, Columbia, Coweta, Crisp, Decatur, Dekalb, Dodge, Dougherty, Douglas, Early, Effingham, Fayette, Forsyth, Fulton, Glynn, Gwinnett, Hall, Henry, Jeff Davis, Laurens, Lee, Lincoln, Lowndes, McIntosh, Meriwether, Mitchell, Newton, Paulding, Pierce, Pulaski, Quitman, Randolph, Richmond, Rockdale, Spalding, Sumter, Stephens, Stewart, Telfair, Terrell, Thomas, Tift, Walton, Ware, Wayne, Webster, Wheeler, Wilcox, or Worth.

Nearly everyone in the Augusta area is eligible for membership, if you are unsure about your membership qualification please contact us to determine eligibility. (706) 434-1600 |

Quality Service For life

If you should terminate your employment with your current employer, you may still remain a member of the credit union. However, you must maintain a positive balance in your regular savings account to keep your membership active.

**Important Information About Procedures For Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver’s license or other identifying documents.

For more information on becoming a member; please fill in the form below and we’ll email you an information pack right away.  This pack includes all application forms and information needed to join.