Georgia's Own Credit Union

Georgia's Own Credit Union is an Atlanta member-owned credit union with a business banking arm that lends on commercial property. Its commercial real estate loans cover purchasing, renovating or refinancing a property for a business, and it finances owner-occupied buildings as well as rental and investment property.

The business side also offers commercial term loans, commercial lines of credit, commercial vehicle loans, business checking, savings and money market accounts, digital business banking, Zelle for small business and treasury management services. The credit union is an SBA lender, offering both SBA 7(a) and SBA 504 loans, and directs commercial enquiries to a business expert rather than a branch queue.

On the consumer side it runs checking and savings accounts, certificates including a Flex CD, IRAs, credit cards, mortgages including a 40-year fixed-rate mortgage and a 15/15 ARM, home equity loans and lines, vehicle and personal loans, insurance through TruStage, and investment and retirement services. Accounts can be opened online, by phone on 800.533.2062, or at a branch.

The credit union is headquartered at 100 Peachtree St. NW, Suite 2800, Atlanta, GA 30303, with routing number 261071438 and NMLS# 539379, and is federally insured by NCUA. Commercial loan minimums, rates, recourse terms and cash-out policies are not published, and borrowing requires credit union membership; confirm eligibility and terms with a business banker.