Overview / Commentary
706-886-1441
1067 Mize Rd
Toccoa, GA 30577-5845

North Georgia Credit Union is headquartered in Toccoa and is the 40th largest credit union in the state of Georgia. It is also the 2,157th largest credit union in the nation. It was established in 1991 and as of December of 2018, it had grown to 27 employees and 10,791 members at 3 locations. North Georgia Credit Union's CD rates are 12% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live in Franklin, Stephens, or Hart Counties. Membership is also open to employees of Aaron's Mobile Home Service, Adams Oil Company, Blue Ridge Products, and over 50 area Select Employer Groups.
See current membership details

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Health
B+
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. North Georgia Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #67395
Year Chartered1991
Employees27
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD6.4%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$58.7MM$55.5MM
LoansQ4 2018vs Q4 2017$45.1MM$41.8MM
DepositsQ4 2018vs Q4 2017$51.3MM$48.8MM
Equity CapitalQ4 2018vs Q4 2017$6.8MM$6.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$309.00K$228.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$294.00K$286.00K
Real Estate OwnedQ4 2018vs Q4 2017$256.00K$183.00K
Rates
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North Georgia Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$25-IRA Savings Account
0.30%$25-Regular Share/Savings Account
0.15%--Christmas Club Account

North Georgia Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Share Draft/Checking Account

North Georgia Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%$500-36 Month Share CD
1.21%$500-24 Month Share CD
1.01%$500-12 Month Share CD
0.50%$500-6 Month Share CD

North Georgia Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%$500-36 Month IRA
1.21%$500-24 Month IRA
1.01%$500-12 Month IRA
0.50%$500-6 Month IRA
Locations


North Georgia Credit Union Locations
Branch Office11850 Augusta RdLavonia, GA 30553
Branch Office249 E Franklin StHartwell, GA 30643
Branch Office1067 Mize RdToccoa, GA 30577-5845

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