MyGeorgia Credit Union

Overview / Commentary

www.mygacu.com

770-534-8005

2601 Limestone Pkwy
Gainesville, GA 30501

MyGeorgia Credit Union is headquartered in Gainesville and is the 26^th largest credit union in the state of Georgia. It is also the 1,269^th largest credit union in the nation. It was established in 1971 and as of June of 2021, it had grown to 48 employees and 20,743 members at 8 locations. MyGeorgia Credit Union has an A health rating.

Reviews (1)

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Worst.Bank.Ever

Posted by: sparkle19 | Nov 8, 2019

Terrible banking app, no Saturday hours, overzealous fraud protection, sorely lacking in the tech department. No problems with this bank until you have a problem with something, then it takes an act of God to get your money back or your problem fixed. I will be closing my accounts shortly and moving to a more reliable institution.

Comment

Health

Data as of Q2 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68602
Year Chartered	1971
Employees	48
Primary Regulator

Profit Margin
Return on Assets - YTD	0.51%
Return on Equity - YTD	5.89%
Annual Interest Income	$2.4MM

Assets and Liabilities
Assets	Q2 2021vs Q2 2020	$188.0MM$133.0MM
Loans	Q2 2021vs Q2 2020	$88.0MM$78.5MM
Deposits	Q2 2021vs Q2 2020	$171.1MM$118.6MM
Equity Capital	Q2 2021vs Q2 2020	$15.1MM$12.9MM
Loan Loss Allowance	Q2 2021vs Q2 2020	$279.00K$260.00K
Unbacked Noncurrent Loans	Q2 2021vs Q2 2020	$385.00K$527.00K
Real Estate Owned	Q2 2021vs Q2 2020	$0$0

Rates

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Always verify rates and promotions with the bank or credit union. We are not MyGeorgia 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.

MyGeorgia Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$10k^*	-	Share Savings
OTHER TIERS: 0.05% → $100 - $10k
0.10%^*	$10k^*	-	Elite Club Account
OTHER TIERS: 0.05% → $100 - $10k
0.05%	-	-	Savasaurus Account
0.05%	-	-	Christmas Club
0.05%	-	-	Vacation Club

MyGeorgia Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$75k^*	-	Money Market
OTHER TIERS: 0.10% → $2k - $10k \| 0.20% → $10k - $25k \| 0.30% → $25k - $75k

MyGeorgia Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	-	-	Gold Checking Account

Locations

MyGeorgia Credit Union Locations
Branch Office	3560 McEver Rd Ste A	Gainesville, GA 30504
Branch Office	379 E Kytle St	cleveland, GA 30528
Branch Office	2601 Limestone Pkwy	Gainesville, GA 30501
Branch Office	5900 Spout Springs Rd Ste W2	Flowery Branch, GA 30542-6464
Branch Office	120 Church Sawmill Rd	Clarkesville, GA 30523
Branch Office	91 E Savannah St	Clayton, GA 30525
Branch Office	448 Evans St	Homer, GA 30547
Branch Office	205 Collins Industrial Blvd	Athens, GA 30601

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