Georgia United Cartersville GA Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Georgia United at our Cartersville branch, located conveniently at 134 E Felton Rd, Cartersville, GA 30120. Since opening our doors in 1958, we've been committed to providing financial services that truly benefit our community. With a total membership of 150,670, we pride ourselves on being more than just a credit union; we are your trusted partner in achieving financial success. At Georgia United, we understand that every member has unique needs. That's why we offer a wide range of services from personal banking and auto loans to mortgage refinancing and business loans. Our total assets have grown to an impressive $2,266,149,781, allowing us to support you with over 73,463 loans and leases tailored to fit your lifestyle. Our dedicated team, led by CEO Debbie Smith and Board President Tom Dickson, works hard to ensure that you receive the best possible service. With 145 employees ready to assist you, we strive for excellence in everything we do. For those who prefer banking on-the-go, our online and mobile banking options make it easy to manage your finances anytime, anywhere. While members can visit us at 134 E Felton Rd, official correspondence should be sent to the same address for consistency. We encourage you to reach out with any questions or inquiries by calling us at 770-476-6400. Join us as we continue to build a strong community together. Experience the difference with Georgia United where your financial well-being is our top priority! Visit our website at gucu.org for more information or stop by today!

Branch History & Mission

Community Engagement

Georgia United is committed to being more than just a financial institution. We actively engage with local organizations and initiatives aimed at improving the quality of life in Cartersville and beyond. Our partnerships enhance our outreach efforts and ensure that we're making a difference where it counts most. As we look toward the future, we invite you to become part of our vibrant community. Join us today and experience the numerous benefits that come with being a member of Georgia United. Together, let's build a brighter financial future! For more information or to get started, give us a call at 770-476-6400 or visit us online at gucu.org.

Our Mission

The mission of Georgia United is clear: we aim to provide exceptional financial services while fostering community support and empowerment. We believe that by helping individuals and families manage their finances wisely, we can contribute positively to the overall well-being of our community. Whether it's through personal banking options like checking accounts and auto loans or providing business banking solutions, every service we offer is designed with your needs in mind. We understand that convenience matters; that's why we provide ATM services and drive-thru banking to make transactions easier for our members. Our branch operates Monday through Tuesday and Thursday through Friday from 9:00 AM to 5:00 PM, with extended hours on Wednesday starting at 10:00 AM. Our physical location at 134 E Felton Rd not only serves as a hub for financial transactions but also acts as a gathering place where community connections are strengthened. For any official correspondence, please direct your mail to 134 E Felton Rd, Cartersville, GA 30120-2110.

Branch Location & Accessibility

Welcome to Georgia United, located conveniently at 134 E Felton Rd in Cartersville, GA! Our branch is nestled in the heart of Bartow County, making it easy for you to access our services. You'll find us near popular landmarks like the Cartersville Medical Center and the local Walmart, ensuring you can stop by during your errands or visits. Our branch is designed with your comfort in mind. Parking is ample and accessible, with ADA-compliant features to assist all members. We also offer a drive-thru service for those who prefer quick transactions without leaving their vehicles. Whether you're making deposits or withdrawing cash, our drive-thru has got you covered. We're open Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM, and on Wednesday from 10:00 AM to 5:00 PM. This schedule allows you plenty of opportunities to visit us at a time that works for you. If you have any questions or need assistance, don't hesitate to call us at 770-476-6400. For added convenience, we provide ATM services right on-site, ensuring that you can access your funds anytime. While members can visit us at our physical location for all banking needs, official correspondence should be sent to our mailing address at 134 E Felton Rd, Cartersville, GA 30120-2110. At Georgia United, we pride ourselves on being more than just a bank; we're your community partner ready to help with personal banking, auto loans, mortgages, and more. Come visit us today and see how we can support your financial journey!

Member Eligibility

At Georgia United, we believe that everyone deserves a supportive financial community, and becoming a member is as easy as reaching out! To join us at our welcoming branch located at 134 E Felton Rd Cartersville Ga 30120, you simply need to meet a few eligibility criteria. Generally, if you live, work, or worship in the areas we serve, you're likely eligible for membership. It's all about creating connections and providing opportunities for our members to thrive together. For more specific details about eligibility, feel free to check out this resource: https://gucu.org/learn/learning-center/resource-detail/education/2025/01/28/how-to-save-for-a-dream-vacation . Once you're ready to take the next step, opening an account is straightforward and convenient! You can start your journey with us by visiting our online application at http://www.gucu.org/apply-for-a-loan or giving us a call at (770) 476-6400 if you have any questions. We're here to help you every step of the way and can't wait to welcome you into the Georgia United family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner that simplifies your payment processes. Our merchant services offer easy ways for businesses to accept payments, manage transactions, and streamline operations. Whether you're running a retail store or a service-based business, our solutions help you focus more on growth and less on operational hassles. Visit us at 134 E Felton Rd Cartersville Ga 30120 in Cartersville, GA, or call us at (770) 476-6400 to discover how we can support your business goals. Together, let's build a brighter future for your enterprise!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $75 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $22,353,309, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For our local business owners in Cartersville, Georgia United offers tailored business banking services, including merchant services and business loans. We understand the challenges of running a business and are dedicated to helping you succeed with flexible financing options.

Convenient Access

Convenience is key in today's fast-paced world. That's why we offer ATM and cash withdrawal services, alongside basic drive-thru banking for quick deposits and withdrawals. With an ATM available onsite, accessing your money has never been easier. If you're interested in exploring these services further or have any questions about how Georgia United can assist you in achieving your financial goals, please don't hesitate to reach out! Call us at 770-476-6400 or visit us online at gucu.org. We're excited to help you take charge of your financial future!

Credit Options

Managing credit wisely is essential in today's world. That's why we provide credit cards with rewards that not only make purchases easier but also reward you for spending. Enjoy benefits like cashback or travel points while building your credit history.

Home Financing

Buying a home is one of life's biggest milestones. At Georgia United, we offer comprehensive mortgage loans and refinancing options that simplify the process. Our knowledgeable staff will guide you through each step, ensuring you find a solution that fits your budget and lifestyle.

Personal Banking Solutions

When it comes to managing your personal finances, we understand that everyone has unique needs. That's why at Georgia United, we offer various checking and savings accounts designed to help you reach your financial goals. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to check balances, make transfers, and even pay bills from the comfort of your home or on the go. For those considering purchasing a vehicle, our auto loans and vehicle financing options are designed with competitive rates to help you hit the road without breaking the bank. Need cash for unexpected expenses? Our personal loans and debt consolidation options can provide the financial flexibility you need.

Digital & Online Banking

Key Features

We provide essential services like e-statements, allowing you to receive your account statements electronically. This not only helps reduce paper clutter but also allows for quick and secure access to your financial information whenever you need it. Plus, with electronic signature authorization, signing documents online is straightforward and safe. If you're always on the go, our mobile application lets you manage your accounts right from your smartphone. You can make mobile payments directly from the app, ensuring that paying for purchases is both fast and hassle-free. Need to send money to a friend? Our person-to-person transfers feature makes it easy to send or receive money instantly.

Security You Can Trust

At Georgia United, security is a top priority. Our online banking services are protected with advanced security measures so you can feel confident about accessing your accounts online. With real-time account management features, you can monitor transactions as they happen, providing peace of mind knowing that you're always aware of what's going on with your finances. In summary, Georgia United's digital and online banking services offer convenience and flexibility tailored to fit your lifestyle. Experience the ease of managing your money with us today!

Financial Strength

Commitment to Growth

With $186,930,622 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our $13,841,472 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Team

We also take pride in having 131 full-time employees and 14 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With $73,463 in total loans and leases including $13,636 in used auto loans, our lending capacity supports your financial goals across various sectors.

Member Trust

Total Share and Deposit Accounts: 287,951, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Georgia United is your trusted partner. Visit us at 134 E Felton Rd Cartersville Ga 30120 or call (770) 476-6400 to learn more about how we can help you achieve your financial goals.

Savings Security

Members' savings are secured through $484,735,074 in share certificates and $123,781,927 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $12,756,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $238,518,527, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,078 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $210,013,369 in used vehicle loans and $252,407,844 in new vehicle loans, helping members get on the road with confidence. You can also explore our refinancing options if you want to lower your monthly payments or adjust your loan terms.

Business Financing

For business owners, our outstanding commercial loans totaling $22,353,309 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses and are here to assist you in achieving your objectives. At Georgia United located at 134 E Felton Rd Cartersville Ga 30120, we're dedicated to helping our members succeed financially. If you're interested in exploring our loan options further or have questions about eligibility criteria and refinancing opportunities, please don't hesitate to reach out at 770-476-6400. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us online at gucu.org to learn more about how we can assist you with your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $354,206,140, making buying or refinancing simple. We provide personalized service to help you navigate the mortgage process and find the right solution for your needs.

Unsecured Credit Card Loans

For those looking for flexibility in managing expenses, we offer unsecured credit card loans with a total of $73,311,367 available. This can be an excellent option for consolidating debt or covering everyday purchases without tying up your assets.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh ensures that users have access to accurate information when making important financial decisions. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This sourcing guarantees fair and transparent offers for consumers seeking loans. By using verified data, LendMesh builds trust with its users, ensuring that every loan offer comes from a legitimate financial institution. One of the key benefits of using LendMesh is its commitment to unbiased comparisons. There are no sponsored listings that prioritize lenders based on paid promotions LendMesh aims to provide clear and objective results. Additionally, users can rely on real-time rate comparisons, which feature up-to-date loan rates from multiple institutions. This empowers individuals to make informed choices about their financing options. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the tool's effectiveness in helping consumers save money while navigating the complex landscape of loans. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

GEORGIA UNITED CREDIT UNION