Georgia United Credit Union


Overview / Commentary
770-493-4328
6705 Sugarloaf Pkwy
Duluth, GA 30097

Georgia United Credit Union is headquartered in Duluth and is the 7th largest credit union in the state of Georgia. It is also the 226th largest credit union in the nation. It was established in 1958 and as of December of 2023, it had grown to 367 employees and 148,789 members at 14 locations. Georgia United Credit Union's savings rates are 8X 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

Reviews (7)

Extended Car Warranty

Posted by: |

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.

Care-Free Online Banking

I have banked with GUCU for many years. I first got involved when I needed a personal loan around 7 years ago. They were easy to deal with and made loan payments easy. I kept my account with them since. My favorite part of their online banking is how I can open separate accounts attached to my main savings account to save for specific goals like a Christmas club. With a couple of clicks, I can move money from one account to another and back if I need to. I have a low interest rate credit card with them as well. With this being attached to my savings, there are no extra fees to move cash into my savings if I need to from my credit card. As long as I use one of their ATMs, I can withdraw cash directly from my credit line as well. Overall, I plan to stay with them long term.

This has been my bank since I was 16

Posted by: |

I first opened a joint account with my father when I was 16 years old, and have had an account with Georgia Federal since then. They have been reliable and quick with all my services. They were also able to resolve my issue when someone stole my information and made withdraws from my account. I am satisfied with their friendly customer service, and quick responses with account security, and I give my overall rating of 4.8 out of 5.

Looking out for their Customers

My husband gets paid bi-weekly so it can be some seems to be at times along time between paychecks. There is never supposed to be a hold on his payroll check. On two different occasions for what ever reason they put a hold on it without informing him which resulted in a friend having to pay our groceries in the check out and the other incident incurred a $40 fee. On both occasions our credit union took off any fees that were added.

Great Service At Georgia United Credit Union

I was very dissatisfied with our bank that I had been with for over 20 years so I started looking into other places to do basic banking. I didn't know you could be part of a credit union with out belonging to a large company or work for he state. Georgia United really surprised me and my husband. They were cheaper on the banking fees and we could do business with ANY credit union any where not just our own.On several occasions we had a few issues that we were unclear about that cost us fees and they reversed the fees with no problem. Being on an extremely tight budget it was good they made sure that my husbands paycheck was available as soon as it was deposited.

Beware Of Car Loans Forced Fees Without Notice

Posted by: |

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

Posted by: |

This institution doesn’t support their members exercising their constitutional rights under the Second Amendment.



Health

Health Grade Components

Overall
NCUA #68607
Year Chartered1958
Employees367
Primary Regulator
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD12.45%
Annual Interest Income$93.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$2.12B$2.04B
LoansQ4 2023vs Q4 2022$1.67B$1.59B
DepositsQ4 2023vs Q4 2022$1.83B$1.7B
Equity CapitalQ4 2023vs Q4 2022$185.4MM$152.2MM
Loan Loss AllowanceQ4 2023vs Q4 2022$12.7MM$10.3MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$11.9MM$7.1MM
Real Estate OwnedQ4 2023vs Q4 2022$413K$55K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Georgia United Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Georgia United Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$25k*-High Earning Savings
OTHER TIERS: 2.00% $10k - $25k
0.10%--Contributory IRA
0.10%--Share Savings Account
0.10%$25-Christmas Club
0.10%$25-Vacation Club

Georgia United Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-Sterling Fund Money Market
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $100k

Georgia United Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%-$15kUnified Checking

Georgia United Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.28%$1k-12 Month CD
4.96%$1k-6 Month CD
4.50%$1k-18 Month CD
4.32%$1k-3 Month CD
4.29%$1k-24 Month CD
4.03%$1k-36 Month CD
3.77%$1k-48 Month CD
3.67%$1k-60 Month CD

Georgia United Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.28%$1k-12 Month IRA
4.50%$1k-18 Month IRA
4.29%$1k-24 Month IRA
4.03%$1k-36 Month IRA
3.77%$1k-48 Month IRA
3.67%$1k-60 Month IRA
Locations

Availability



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