Georgia

Headquarters

6705 Sugarloaf Parkway
Duluth, GA 30097
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Georgia is an NCUA insured institution located in Duluth, GA. It was founded in 1958 and has approximately $620.17 millions in assets.

Who can join?

Catholic Community (Members and employees)
Georgia Tech (Faculty and staff)
Employees and retirees of Select Employee Groups, and Georgia State Agencies (including all state agencies, colleges, and universities)
School Systems
State Employees
UGA Community (Faculty, staff, students, and alumni)
Immediate family member of a Georgia United members or an eligible non-member. (Spouses or Domestic Partners, Children, Parents, Brother/Sister, Stepparents/Stepchildren, Stepbrother/Stepsister, Grandparents/Grandchildren, Adoptive relationships)
Persons who live in the following areas: Laurens County, Clarke County, City of Norcross, City of Cumming, Gwinnett County, Forsyth County, Henry County, Rockdale County
Persons residing in the same household of a Georgia United member or an eligible non-member
Volunteers of any school, church, parish, hospital or association within Georgia United's field of membership
Widow/widower of eligible member
Foreign contracted employees of Select Employee Group County Board of Educations
Employed with the private school sector of DeKalb County

NCUA Insured Yes / Federally Chartered
Charter Number # # 12320
Date Established 1958
Assets $620.17 million
Loans $317.38 million
Deposits $538.86 million
Capital $72.84 million
 

Field of Membership Restrictions

Membership in Georgia United Credit Union is open to the following: (1) those who live in Clarke, DeKalb, Forsyth, Gwinnett, Henry, Laurens, Rockdale, or Whitfield Counties or in the cities of Cumming or Norcross in Georgia; (2) faculty, staff, and students of the University of Georgia; (3) faculty and staff of Georgia Tech; (4) members and employees of the Catholic community in the Archdiocese of Atlanta; (5) employees and retirees of the state of Georgia and over 250 area Select Employer Groups; (6) employees of Clarke County Schools, Greater Atlanta Christian School, Atlanta Metropolitan College and over 200 public, private or parochial schools in the state of Georgia; (6) immediate family of anyone eligible.

Deposit Rates - April 11, 2021

Your Current Location: California, CA 92111

We do not yet have rates for Georgia

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Note to Georgia
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Advertiser Disclosure

Loan Rates - April 11, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for GEORGIA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
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Infiniti Home Loans Inc.
NMLS ID: 257476
2.884% 2.750% 0.75 $4,368 $1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to GEORGIA
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Branches

Below are Georgia branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


Georgia Locations


Financial Details

Georgia Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Georgia. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Georgia U.S. Average
6.10% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Georgia had $1,862,244 in non-current loans and $2,774,390 in owned assets. To cover these potential losses it had $72,838,801 in net worth and $3,228,042 in loans loss reserves. That gives it a Texas Ratio of 6.10%.

Net Worth
Georgia U.S. Average
11.74% 12.67%

Georgia FCU has a net worth of 11.74% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Georgia

Branches and Savings

What is Georgia?

A federal credit union, registered with the NCUA under certificate #12320.
Learn more about credit unions here.

Is Georgia FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Georgia is insured by the NCUA.

Who can join Georgia?

Please see Field of Membership information above for information on who is eligible to join.

What are Georgia's share account and share certificate rates?

Georgia's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Georgia?

Georgia has total capital of $72.84 million. Full information on Georgia's financial position is located above.

Who owns Georgia?

Credit Unions are owned by their members.

Where are Georgia branches located?

See branch locations nearby.

Are Georgia ATMs Open 24/7?

Do Georgia ATMs accept cash deposits?

Can Georgia customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Georgia have a mobile app?

Does Georgia have mobile deposit?

Does Georgia have quick pay?

How can Georgia transfer money to other banks or credit unions?

Does Georgia report to credit bureaus?

Does Georgia use Chexsystems?

Does Georgia use Equifax?

What is Georgia's toll free phone number?

What is Georgia's ACH Routing Number?

What is Georgia's SWIFT code?

Where can I find Georgia's wire transfer form?

What is the Georgia address for deposits?

What Products Does Georgia Offer

Does Georgia offer mortgages?

Compare mortgage rates here.

Does Georgia offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Georgia offer auto and RV loans?

Compare auto loan rates here.

Does Georgia offer student loans or personal loans?

Compare personal loan rates here.

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