Georgia United Credit Union is headquartered in Duluth and is the 5th largest credit union in the state of Georgia. It is also the 215th largest credit union in the nation. It was established in 1958 and as of March of 2025, it had grown to 334 employees and 151,004 members at 15 locations. Georgia United Credit Union's savings rates are 6X the national average, and it has an A health rating.
Field of Membership Restrictions
Membership in Georgia United Credit Union is open to all residents of Georgia who join the Getting Ahead Association ($5 annual fee). Individuals who live or work in the Georgia counties of Banks, Barrow, Bartow, Bryan, Butts, Carroll, Catoosa, Chatham, Chattooga, Cherokee, Clarke, Cobb, Clayton, Coweta, Dade, Dawson, DeKalb, Douglas, Effingham, Elbert, Fannin, Fayette, Floyd, Forsyth, Franklin, Fulton, Gilmer, Greene, Gordon, Gwinnett, Habersham, Hall, Haralson, Henry, Jackson, Jasper, Laurens, Lincoln, Lumpkin, Madison, Morgan, Murray, Newton, Oglethorpe, Oconee, Paulding, Pickens, Polk, Rabun, Rockdale, Spalding, Stephens, Towns, Union, Walker, Walton, White, Whitfield, or Wilkes also qualify for membership. Employees/retirees of 15 public school systems, 25 private/parochial schools, and 66 colleges/universities in Georgia are eligible for membership, as are employees of more than 250 Workplace Partners/Select Employee Groups.
See current membership details
Extended Car Warranty
I called about getting an extended Route 66 car warranty. I spoke with 4 different employees about the warranty and what I wanted. The first 3 gave me the runaround. Ms. Lacy Pasic was very helpful and knowledgeable about my questions. She explained my options and sent the paperwork to sign. I just want to thank her for taking care of me without excuses. She is an asset to Georgia United Credit Union.
Beware Of Car Loans Forced Fees Without Notice
I had a poor experience with a car loan they forced an insurance that inflated my car payment by more than $10,000. I never had an accident and got the coverage when I asked why my loan looked the way it did. They totally took advantage of people and would take even half back although I never was in an accident. I will NEVER use them again or refer anyone to them for a car loan.
Avoid Like The Plague
This institution doesn’t support their members exercising their constitutional rights under the Second Amendment.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68607 |
| Year Chartered | 1958 |
| Employees | 334 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.55% |
| Return on Equity - YTD | 6.04% |
| Annual Interest Income | $29.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $2.35B$2.21B |
| Loans | Q1 2025vs Q1 2024 | $1.72B$1.7B |
| Deposits | Q1 2025vs Q1 2024 | $2.01B$1.92B |
| Equity Capital | Q1 2025vs Q1 2024 | $211.7MM$188.9MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $14.9MM$12.8MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $13.9MM$14.3MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $358K$352K |
