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Overview / Commentary
5901 Peachtree Dunwoody Rd Ste A275
Atlanta, GA 30328

On The Grid Financial is headquartered in Atlanta and is the 46th largest credit union in the state of Georgia. It is also the 2,585th largest credit union in the nation. It was established in 1935 and as of December of 2017, it had grown to 10 employees and 5,360 members at 1 location. On The Grid Financial's CD rates are 84% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee who work regularly at entities engaged in the electric power generation, transmission or distribution industry in Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee or Virginia. Also open to employees of other select companies and organizations.
See current membership details

Reviews (1)

Service Is Become Similiar To "Big Banks"

Posted by: moyo30 | May 26, 2012

I have been with this credit union for over 15 years. The credit union's service was 5 star and now since it has the opportunity to recruit business from the "big banks"  now I receive similar treatment that caused me to move my money from the "big banks" to a credit union. For instance, in the 15 plus years as a customer I have been married, divorced and remarried- the credit union has allowed me to deposit -not cash- a check with my maiden name and former married name. The checks always had the same address I have had for close to 10 years and the bank has a copy of my divorce decree and marriage license on their computer by the way- the service person opened the file with images of both while I was standing in front of him. I never had a problem until recently. I make six figures a year but when I deposit -not cash- a check for $800 dollars from a rental, I am given a hard time and a lecture by some male idiot about changing my name with every soul I have come in contact with since my birth - yeah- because it is just that easy.  By the way within the last year or so ---these clowns started charging members a $5.00 monthly fee for "not" using there on line bill service -5 transaction per month. WHAT??? Well, the credit union will mail you bill via "snail mail" if the business is not listed with them electronically. So, I feel no regret for keeping my savings with an internet bank for over 7 years and will  move my checking account there as well.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. On The Grid Financial has a low asset base.

Health Grade Components

NCUA #383
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.09%
Return on Equity - YTD0.65%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$38.8MM$38.0MM
LoansQ4 2017vs Q4 2016$20.2MM$22.2MM
DepositsQ4 2017vs Q4 2016$33.0MM$32.3MM
Equity CapitalQ4 2017vs Q4 2016$5.2MM$5.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$79.00K$85.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$187.00K$121.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

On The Grid Financial Savings Account Rates

1.15%$100-Young Savers Account
1.15%--Young Savers Accumulative Education Account
0.65%--Accumulative IRA
0.15%$200-Regular Share Savings
0.15%$50-Christmas Club Savings
0.15%$50-Vacation Club Savings

On The Grid Financial Money Market Rates

0.50%*$100k*-Money Market
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $25k | 0.25% $25k - $100k

On The Grid Financial Checking Account Rates

5.00%*$100*$1,500CU Power Checking Account
OTHER TIERS: 0.15% $25k - $100k | 1.00% $1,500 - $25k
5.00%*$100*$1,500Student Checking
OTHER TIERS: 0.15% $25k - $100k | 1.00% $1,500 - $25k

On The Grid Financial CD Rates

2.17%$75k-60 Month Jumbo CD
2.07%$75k-48 Month Jumbo CD
1.97%$1k-60 Month CD
1.91%$75k-36 Month Jumbo CD
1.81%$75k-24 Month Jumbo CD
1.71%$1k-48 Month CD
1.66%$75k-12 Month Jumbo CD
1.51%$1k-36 Month CD
1.36%$1k-24 Month CD
0.60%$1k-12 Month CD
0.40%$1k-6 Month CD

On The Grid Financial IRA Rates

2.17%$75k-60 Month Jumbo IRA
2.07%$75k-48 Month Jumbo IRA
1.97%$1k-60 Month IRA
1.91%$75k-36 Month Jumbo IRA
1.81%$75k-24 Month Jumbo IRA
1.71%$1k-48 Month IRA
1.66%$75k-12 Month Jumbo IRA
1.51%$1k-36 Month IRA
1.36%$1k-24 Month IRA
0.60%$1k-12 Month IRA
0.40%$1k-6 Month IRA

On The Grid Financial Locations
Branch Office5901 Peachtree Dunwoody Rd Ste A275Atlanta, GA 30328-7173