Overview / Commentary
255 N Main St
Cornelia, GA 30531

North Main Credit Union is headquartered in Cornelia and is the 64th largest credit union in the state of Georgia. It is also the 3,602nd largest credit union in the nation. It was established in 1979 and as of June of 2018, it had grown to 4 employees and 1,435 members at 1 location. North Main Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to the following: Anyone who works or lives in Habersham County. Current and retired Ethicon campus employees, including all contractors and Kelly Associates. Those related by blood, adoption, marriage or living in the same household as any of the above.
See current membership details


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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 Main Credit Union has a low asset base.

Health Grade Components

NCUA #67391
Year Chartered1979
Primary Regulator
Profit Margin
Return on Assets - YTD0%
Return on Equity - YTD0%
Annual Interest Income$339.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$16.5MM$13.0MM
LoansQ2 2018vs Q2 2017$9.7MM$7.0MM
DepositsQ2 2018vs Q2 2017$14.0MM$10.5MM
Equity CapitalQ2 2018vs Q2 2017$2.4MM$2.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$42.00K$39.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$37.00K$67.00K
Real Estate OwnedQ2 2018vs Q2 2017$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.

North Main Credit Union Savings Account Rates

0.25%$25-IRA Savings
0.25%$25-Educational IRA
0.25%$25-Roth IRA
0.15%*$25k*-Super Saver Account
OTHER TIERS: 0.10% Up to $25k
0.10%*$10k*-Regular Share Account
OTHER TIERS: 0.05% $100 - $10k
0.05%--Christmas Club Account
0.05%--Vacation Club Account

North Main Credit Union CD Rates

1.00%$500-48 Month Share Certificate
0.75%$500-36 Month Share Certificate
0.50%$500-24 Month Share Certificate
0.35%$500-18 Month Share Certificate
0.25%$500-6 Month Share Certificate
0.25%$500-12 Month Share Certificate

North Main Credit Union IRA Rates

0.75%$500-36 Month IRA Certificate
0.50%$500-24 Month IRA Certificate
0.35%$500-18 Month IRA Certificate
0.25%$500-6 Month IRA Certificate
0.25%$500-12 Month IRA Certificate

North Main Credit Union Locations
Branch Office255 N Main StCornelia, GA 30531

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