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Overview / Commentary
670 Metropolitan Parkway
Atlanta, GA 30310

Credit Union of Atlanta is headquartered in ATLANTA and is the 30th largest credit union in the state of Georgia. It is also the 1,787th largest credit union in the nation. It was established in 1928 and as of December of 2013, it had grown to 28 employees and 18,951 members. Credit Union of Atlanta has a C+ health rating.

Field of Membership Restrictions

Membership is open to residents in parts of Atlanta, Georgia. You can also be eligible to join via select employer groups. - See Details

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Reviews (1)

Good And Bad

The bank is very strict in their policies.  Their managers have an attitude and are not very accommodating.  But they do offer a 0.25% hike in the CD rates if you're over 55 (or have someone joint on the account who is).  So this makes this bank worth it with one of the highest CD rates in the country.


Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Credit Union of Atlanta has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Credit Union of Atlanta had $1.1 million in non-current loans and owned real-estate with $6.47 million in equity and loan loss allowances on hand to cover it. This gives Credit Union of Atlanta a Texas Ratio of 17.03% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Credit Union of Atlanta decreased dramatically from 27.29% as of December 31, 2012 to 17.03% as of December 31, 2013, resulting in a positive change of 37.60%.This indicates that the balance sheet and financial strength for Credit Union of Atlanta has improved dramatically in recent periods.

Deposit Growth


In the past year, Credit Union of Atlanta has decreased its total deposits by -$3.75 million, resulting in -5.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Credit Union of Atlanta has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Credit Union of Atlanta has $75.44 million in assets with $6.47 million in equity, resulting in a capitalization level of 8.58%, which is average.

Institution Statistics

NCUA #67383
Year Chartered1928
Primary Regulator
Assets and Liabilities
Assets$75.44 million
Loans$35.08 million
Deposits$70.35 million
Equity Capital$4.02 million
Loan Loss Allowance$2.45 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$0
Historic Data - December 2012
Assets$82.89 million
Equity Capital$7.74 million
Loan Loss Allowance$1.80 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$108,000
Profit Margin - Quarterly
Net Interest Margin10.43%
Return on Assets-2.11%
Return on Equity-39.57%
Interest Income$4.41 million

Always verify rates and promotions with the bank or credit union. We are not Credit Union of Atlanta, we are a rate comparison website and can not provide official rates or promotions.

Credit Union of Atlanta Savings Account Rates

0.05%$100-Share Savings
0.05%$100-IRA Share
0.05%$100-Roth IRA Share
0.05%$100-CESA Share

Credit Union of Atlanta Money Market Rates

0.05%$2k-Share Plus Money Market

Credit Union of Atlanta Checking Account Rates

0.00%$1k-Share Draft Checking

Credit Union of Atlanta CD Rates

0.05%$500-6 Month Share Certificate
0.05%$500-12 Month Share Certificate
0.05%$500-18 Month Share Certificate
0.05%$500-24 Month Share Certificate
0.05%$500-30 Month Share Certificate
0.05%$500-36 Month Share Certificate
0.05%$500-48 Month Share Certificate
0.05%$500-60 Month Share Certificate

Credit Union of Atlanta IRA Rates

0.05%$500-6 Month IRA Certificate (Traditional,Roth,CESA)
0.05%$500-12 Month IRA Certificate (Traditional,Roth,CESA)
0.05%$500-18 Month IRA Certificate (Traditional,Roth,CESA)
0.05%$500-24 Month IRA Certificate (Traditional,Roth,CESA)
0.05%$500-30 Month IRA Certificate (Traditional,Roth,CESA)
0.05%$500-36 Month IRA Certificate (Traditional,Roth,CESA)
0.05%$500-48 Month IRA Certificate (Traditional,Roth,CESA)
0.05%$500-60 Month IRA Certificate (Traditional,Roth,CESA)

Credit Union of Atlanta Locations
Branch OfficeCredit Union of Atlanta 670 Metropolitan Pkwy SWAtlanta, GA 30310
Branch OfficeCredit Union of Atlanta-Wheat Street 375 Auburn Ave NEAtlanta, GA 30312
Branch OfficeCredit Union of Atlanta-Pryor Street 245 Pryor St SWAtlanta, GA 30303