Associated Credit Union Augusta GA | Best Auto Loans & Business Banking

Introduction

Welcome to Associated Credit Union, where your financial needs are our top priority! Located at 3749 Wheeler Rd, Augusta, GA 30909, we have proudly served our community since 1930. With a dedicated team of 379 employees, we strive to create an environment that fosters trust and support for our 155,696 members. At Associated Credit Union, we understand that financial stability is crucial. That's why we manage a robust portfolio, with total assets reaching an impressive $2,246,831,604 and total deposits amounting to $201,977,545. Our commitment to you extends beyond just numbers; it's about building lasting relationships and making a positive impact in the community. Led by our CEO Lin Hodges and Board President Exceptral Harden, our team works tirelessly to provide services tailored to your needs from personal banking solutions like checking accounts and auto loans to business financing options. Whether you're looking to open a new account or need assistance with loans totaling over 205,678, we are here for you every step of the way. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 3749 Wheeler Rd, Augusta, GA 30909. For any questions or immediate assistance, feel free to call us at 706-868-2200. We invite you to explore our comprehensive services online at acuonline.org. Join us as we continue to grow together your success is our mission!

Branch History & Mission

Community Commitment

We are not just about transactions; we actively engage in partnerships and outreach programs that uplift our community. By offering shared service center access and working closely with local organizations, we contribute to a network of support that extends beyond banking. In addition to traditional services, we've embraced digital advancements that allow members to manage their finances easily through online and mobile banking platforms. Our commitment to customer service includes ADA compliance initiatives ensuring everyone can access our services comfortably. As we look toward the future, Associated Credit Union invites you to join us on this journey of growth and community empowerment. Experience firsthand the benefits of being part of a credit union that truly cares about its members. Visit us today or explore more about what we offer at our website. Together, let's build a stronger financial future!

Our Mission

Our mission is simple yet powerful: to empower our members through excellent financial services while fostering community growth. We believe that when individuals thrive, entire communities flourish. This guiding principle drives us to provide a range of services including personal banking, auto loans, mortgage financing, and business banking solutions tailored to meet diverse needs. While members can visit us at 3749 Wheeler Rd for all their banking needs, official correspondence should be sent to the same address. We prioritize accessibility with features like ATM availability and drive-thru banking options designed for your convenience. Our operating hours reflect our dedication to being there when you need us open Monday through Friday with extended live teller hours.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. Whether you're visiting for banking needs or just stopping by to chat with our friendly staff, we offer ADA-compliant features, including ramps and designated parking spaces. This ensures that all members of our community can easily access our services.

Operating Hours

We aim to accommodate your busy schedule. Our lobby hours are Monday, Tuesday, Thursday, and Friday from 9:00 a.m. to 5:00 p.m., and on Wednesdays from 9:00 a.m. to 4:00 p.m. For those who prefer using our drive-thru service, we have Live Teller hours available Monday through Friday from 7:00 a.m. to 7:00 p.m., and on Saturdays from 9:00 a.m. to 1:00 p.m.

Services Offered

At Associated Credit Union, we provide a range of services tailored for both individuals and businesses. From personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards there's something for everyone! Additionally, our drive-thru allows for quick deposits and withdrawals without needing to step inside. If you require further assistance or want more information about what we offer, feel free to give us a call at (706) 868-2200.

Visit Us Today!

We invite you to visit us at our Wheeler Road branch in Augusta. Experience firsthand the friendly service and financial solutions that make us proud members of this community. We look forward to welcoming you soon!

Member Eligibility

At Associated Credit Union, we believe that everyone deserves a chance to be part of a supportive and thriving community. Joining us is as easy as it gets! If you live, work, worship, or attend school in Richmond County, you're already eligible to become a member. We're proud to welcome individuals and families who want to take advantage of our personalized banking services, including checking and savings accounts, loans, and more. To learn more about the eligibility details, feel free to visit our website at . Becoming a member opens the door to numerous benefits designed with your financial well-being in mind. You'll enjoy competitive rates on loans and savings products, access to online banking tools, and friendly service from our dedicated team. Ready to get started? You can open your account easily by visiting us at https://app.loanspq.com/apply.aspx ?lenderref=acu050715&list=1s&scenario=safarisavingsnew&acctype=minor or give us a call at (706) 868-2200 if you have any questions. We can't wait to welcome you into the Associated Credit Union family!

Business Banking & Commercial Services

Commercial Loans Tailored for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $16 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $25 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $24,820,070, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Managing cash flow is crucial for any business. Our merchant services simplify payment processing, allowing you to focus on what you do best running your business. Imagine a busy café seamlessly accepting payments from customers without hiccups, making the customer experience smooth and enjoyable. That's the kind of practical benefit we bring to the table. Visit us at 3749 Wheeler Rd Augusta Ga 30909 in Augusta, GA, or call us at (706) 868-2200 to learn more about how our business banking and commercial services can help you thrive!

Comprehensive List Of Services

Convenient Access Anytime

Our commitment doesn't stop at traditional banking hours. We understand that life gets busy, which is why we provide convenient ATM and cash withdrawal services. Plus, with our basic drive-thru banking option available for deposits and withdrawals, accessing your funds has never been easier.

Financing Your Dreams

When it comes to financing a vehicle or buying a home, we understand how important it is to find the right loan. Our Auto Loans & Vehicle Financing programs make it easier for you to hit the road in the car you want. For those planning to buy a house or refinance an existing mortgage, our dedicated team is ready to help with Mortgage Loans & Refinancing options that fit your budget. If you're facing unexpected expenses or need to consolidate debt, our Personal Loans & Debt Consolidation solutions provide the financial relief you might be searching for. And if you're looking for rewards on your everyday purchases, consider applying for one of our Credit Cards with Rewards.

Personal Banking Made Simple

For those just starting out or looking to manage their money better, our Personal Banking options include checking and savings accounts that offer great flexibility and ease. Imagine having access to your funds anytime through our user-friendly Online & Mobile Banking services. You can check balances, transfer funds, and pay bills right from your smartphone or computer.

Shared Branch Transactions

If you're a member of another credit union that partners with us, you can still enjoy many of our services through basic shared branch transactions. This allows you to make deposits and withdrawals conveniently without needing to visit multiple locations. At Associated Credit Union, we strive to create an environment where banking feels personal and accessible. If you have questions about any of our services or want assistance in setting up an account, don't hesitate to reach out! Call us at 706-868-2200, or visit us today at our Augusta branch! Experience the difference at Associated Credit Union where your financial wellbeing is our top priority!

Support for Local Businesses

We value our local community and offer tailored solutions for small businesses as well. Our Business Banking services include merchant services and business loans designed to help your company thrive. With us by your side, you can focus on what matters most growing your business.

Digital & Online Banking

Convenience at Your Fingertips

Need to send money to a friend? Our person-to-person transfers make this a breeze! Just set it up through our online banking or mobile app, and you're all set. Plus, with the mobile payments feature, making purchases is as simple as tapping your phone. At Associated Credit Union, we prioritize security in all our services. You can feel confident knowing that your information is protected while you enjoy the flexibility of managing your accounts online. In short, our digital and online banking services bring the bank right to you convenient, secure, and always accessible! Join us at Associated Credit Union today and experience banking like never before!

Key Features

Our online banking platform is user-friendly and packed with features to help you manage your money effectively. You can sign documents electronically with ease thanks to our electronic signature authorization. This means no more printing or mailing forms just quick and simple transactions from the comfort of your home. We also provide e-statements, allowing you to view your account statements digitally. This not only saves paper but makes it easy to keep track of your spending whenever you need it. And if you're on the go, don't forget about our mobile application! It's available for download so you can bank right from your smartphone.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 283,053, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,106,918. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Associated Credit Union is your trusted partner. Visit us at 3749 Wheeler Rd Augusta Ga 30909 or call (706) 868-2200 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Centric Focus

Members' savings are secured through $424,035,890 in share certificates and $505,507,881 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $26,169,327, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $8,089,782 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 363 full-time employees and 16 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $274,753,807, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,222 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Growth

With $260,994,718 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to growth is reflected in our robust lending capacity: with $109,427 in used auto loans and $1,609,758,661 in total loans and leases, we support members' financial goals across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $643,430,918 in used vehicle loans and $288,518,251 in new vehicle loans already helping members get on the road. We cater to all types of buyers, whether you're interested in financing a new model or a reliable used vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $24,820,070 provide the capital needed to grow and expand. We understand that running a business comes with its unique challenges, and we're here to help you navigate them with ease.

Credit Card Loans

For those who need a little extra flexibility, we also offer unsecured credit card loans with a total of $47,379,971 in loans helping members manage their finances effectively. These cards come with competitive interest rates and rewards options that can benefit you as you spend.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $124,671,579, make buying or refinancing simple. We help guide you through every step of the process, ensuring you find the right loan for your situation.

Refinancing Options

If you're looking to lower your monthly payments or access equity from your current loans, we also provide refinancing options. Our team is ready to discuss eligibility requirements and work with you on finding the best solution for your financial situation. To learn more about any of these loan products or to discuss your options further, feel free to contact us at (706) 868-2200 or visit us at our branch located at 3749 Wheeler Rd Augusta Ga 30909 in Augusta, GA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial success is our priority at Associated Credit Union, where we aim to make borrowing straightforward and beneficial for all our members.

Loan Aggregator

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ASSOCIATED CREDIT UNION - Augusta, GA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans