Georgia's Own Credit Union by https://padlet.com/bridget_metcalf1/audnnq2f72uc Bridget Metcalf en-us 2017-10-27 12:09:33 UTC 2026-01-23 19:57:20 UTC hello@padlet.com Facts about this credit union: bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201155511 2017-10-27 12:11:11 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201155511 Does it offer the services you need? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201155602 One can bank, borrow money, and invest through this credit union.]]> 2017-10-27 12:11:36 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201155602 How close is it to your home? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201155739 By the mall of Georgia, close]]> 2017-10-27 12:12:10 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201155739 What are the hours? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201155847 9am-4pm]]> 2017-10-27 12:12:33 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201155847 Does it have ATMs? If so, are they located near where you live, work, or shop? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201155939 Yes, there is one located in Buford which is right near where I live]]> 2017-10-27 12:12:58 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201155939 Will I be charged to use the ATM at another bank? If so, what is the charge? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201535903 No, access to more than 85,000 surcharge-free ATMs.]]> 2017-10-29 20:54:37 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201535903 If I am choosing a credit union, am I eligible? What are their requirements? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536029 Be a county resident, getting ahead association, georgia state university partnership, family member, premier partner employee/ retiree]]> 2017-10-29 20:55:37 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536029 Are mobile banking and online bill pay offered? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536129 yes]]> 2017-10-29 20:56:16 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536129 Are rewards programs offered? Explain. bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536232 After accumulating points, one can redeem them on gift cards, cash back, airline tickets, or merchandise]]> 2017-10-29 20:57:20 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536232 Checking Accounts: bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536368 2017-10-29 20:58:41 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536368 What is the minimum amount of money required to open the account? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536555 no minimum balance requirement]]> 2017-10-29 21:00:09 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536555 How much money do I have to maintain in my account to avoid fees? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536600 None, it’s free]]> 2017-10-29 21:00:33 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536600 What are the fees for bounced checks? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536651 $33 per check]]> 2017-10-29 21:00:52 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536651 What are the overdraft protection options? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536683 without obligation, they will pay items for which your account has insufficient or unavailable funds, instead of automatically returning those items unpaid]]> 2017-10-29 21:01:15 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536683 How many checks can I write before extra fees are charged? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536728 0.50 cents per cleared check]]> 2017-10-29 21:01:39 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536728 How many withdrawals can I make each month? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536761 6 free withdrawals]]> 2017-10-29 21:01:58 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536761 Does this account pay interest? If so, what is the current rate? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536817 no]]> 2017-10-29 21:02:24 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536817 Are there any other fees? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536856 Yes- there are about 20. Some examples would be:Debit card replacement fee- $5.00IRA transfer fee- $25.00Levy fee- $50.00Garnishment fee- up to $100.00Dormant account fee- $5.00/monthStop payment fee- $30.00/request]]> 2017-10-29 21:02:49 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536856 Savings Accounts: bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536921 2017-10-29 21:03:28 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201536921 What types of savings accounts are available? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201537850 Regular savings, Holiday savings, Health savings, Club accounts, and Coindexter club]]> 2017-10-29 21:08:37 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201537850 What are the current interest rates? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201537885 $5.01-$49,999.99- 0.10%
$50,000-$99,999.99- 0.13%
$100,000+- 0.18%
]]> 2017-10-29 21:08:58 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201537885 Is there a minimum balance to maintain? If so, how much? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201537969 $5, only once]]> 2017-10-29 21:09:36 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201537969 How many transactions can you have per month? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201537992 Each account is permitted 6 transactions per month]]> 2017-10-29 21:09:57 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201537992 What are the fees for maintaining this account? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538038 $5 per withdrawal exceeding the 6th one
$5 inactive account fee
]]> 2017-10-29 21:10:18 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538038 Money Market: bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538194 2017-10-29 21:11:33 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538194 What is the minimum balance requirements? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538249 $2,500 to receive dividend]]> 2017-10-29 21:12:01 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538249 What are current rates? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538323 $2,500–$9,999.99- 0.30%$10,000–$24,999.99- 0.30%$25,000–$49,999.99- 0.33%$50,000–$99,999.99- 0.35%$100,000–$249,999.99- 0.37%$250,000–$499,999.99- 0.45%$500,000–$999,999.99- 0.48%$1,000,000–and over- 0.48%]]> 2017-10-29 21:12:45 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538323 Are there limits on monthly withdrawals? If so, how many can you have? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538366 Yes, 6]]> 2017-10-29 21:13:15 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538366 How often does the interest on the account compound? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538408 monthly]]> 2017-10-29 21:13:38 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538408 Certificate of Deposit (CD): bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538552 2017-10-29 21:14:48 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538552 Are there minimum balances required to open a CD? If so, how much? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538596 Yes, $500.00]]> 2017-10-29 21:15:12 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538596 What are the current rates of CD’s? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538624 $500-$49,999.99- 0.55%
$50,000- $125,000+- 0.56%
]]> 2017-10-29 21:15:34 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538624 When can you take money out of a CD? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538680 6 months- earliest]]> 2017-10-29 21:15:59 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538680 What are the fees/penalties of CD’s? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538735 Penalty applies for early withdrawal]]> 2017-10-29 21:16:25 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538735 Individual Retirement Account (IRA): bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538835 2017-10-29 21:17:21 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538835 What types of IRA’s are offered? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538894 Traditional IRA- available to anyone under 70½ who receives compensation or files a joint return with someone who receives compensation.
Roth IRA- Contributions are not tax-deductible. However, one is able to withdraw contributions tax-free at any time.
]]> 2017-10-29 21:17:51 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538894 What is the minimum opening deposit? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538950 No minimum balance requirement]]> 2017-10-29 21:18:19 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538950 How much can you contribute annually? bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538975 Suggested that a sum of 10% of annual income should be contributed to one’s IRA, starting in their 20’s]]> 2017-10-29 21:18:37 UTC https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201538975 Short Answer: bridget_metcalf1 https://padlet.com/bridget_metcalf1/audnnq2f72uc/wish/201539033 I think as a high school student, a national bank would be the smartest choice just because most teenagers don’t have to deal with any sort of financing. A national bank can provide you with a checking and savings account which is all one would need at this age in my opinion. After graduating college, the best type of bank to use would be a credit union if one did not stay with their national bank (because that would be good too). Credit unions allow you to set up money market and CD accounts on top of your checking and savings (and an IRA account further down the road). These sorts of accounts require a lot of responsibility because you have to keep up with paying monthly rates and fees, which would be good experience for a new adult. Personally, I’m probably going to continue to use my national bank even after college to pay off my loans and keep a stable bank account.  



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