Georgia United Cumming GA Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Georgia United, your trusted financial partner located at 731 Atlanta Hwy, Cumming, GA 30040. Established in 1958, we have proudly served our community for over six decades, building strong relationships with our 150,670 members and continuously striving to meet their financial needs. With total assets of over $2.26 billion and a commitment to providing quality service, we are here to help you achieve your financial goals. At Georgia United, we understand the importance of personalized banking solutions. Whether you're looking for checking and savings accounts, auto loans, or even business banking services, our dedicated team is here to guide you every step of the way. Under the leadership of our CEO, Debbie Smith, and Board President, Tom Dickson, our experienced staff of 145 employees is ready to assist you with a friendly smile. While members can visit us at our Cumming location, official correspondence should be sent to our mailing address: 312 Canton Rd, Cumming, GA 30040-2214. With modern conveniences like online and mobile banking, along with an ATM and drive-thru services available for your convenience, managing your finances has never been easier. As a member-focused credit union, we believe in investing back into the community that supports us. Our robust offerings include personal loans, mortgages, and competitive credit cards designed to provide value and flexibility for all lifestyles. We invite you to explore everything we have to offer by visiting our website at Georgia United or calling us at 770-476-6400 today! Let's work together towards a brighter financial future!

Branch History & Mission

Commitment to Community

We understand the importance of being involved in our community. From sponsoring local events to providing educational resources on saving and financial literacy, Georgia United is committed to making a positive impact. Our partnerships with local organizations help us extend support where it's needed most. As part of our dedication to service excellence, we have embraced technology with features like online banking and mobile payments that make managing your finances easier than ever. Our branch also offers ATM availability and drive-thru banking for your convenience.

Join Us!

We invite you to be part of the Georgia United family. Experience firsthand the benefits of membership including competitive rates on loans and personalized service designed with your best interests in mind. Visit us today or reach out at 770-476-6400 we're here to help you achieve your financial goals! Together, let's build a brighter future for ourselves and our community!

Our Mission

Our mission is simple yet powerful: to empower our members by offering them affordable financial solutions that promote financial well-being. We believe that everyone deserves access to quality banking services and support. We strive not only to meet the financial needs of our members but also to uplift the community through various outreach initiatives and partnerships. Georgia United is more than just a place to bank; it's a community hub where members can find guidance on personal finance, auto loans, mortgages, and much more. We offer a wide range of services including personal banking accounts, vehicle financing options, and business banking solutions tailored to meet diverse needs. While you can visit us at 731 Atlanta Hwy, official correspondence should be sent to our mailing address at 312 Canton Rd, Cumming, GA 30040-2214. Our dedicated team is here during operating hours Monday and Tuesday from 9:00 AM to 5:00 PM, Wednesday from 10:00 AM to 5:00 PM, and Thursday to Friday from 9:00 AM to 5:00 PM to assist you with all your banking inquiries.

Branch Location & Accessibility

Call Us Today!

Our dedicated staff is eager to help you with all your banking needs whether it's opening a new account or inquiring about loans and credit cards. For questions or assistance, feel free to call us at 770-476-6400. We look forward to welcoming you into the Georgia United family!

Convenient Access and Features

At Georgia United, we prioritize your convenience. Our branch features ample parking and is fully ADA compliant, ensuring that everyone can access our services with ease. You'll find our friendly team ready to assist you during our lobby hours: Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM, and on Wednesday from 10:00 AM to 5:00 PM. Need to stop by after hours? Take advantage of our ATM availability for quick cash withdrawals or balance checks.

Drive-Thru Banking for Your Convenience

For those on the go, we offer a drive-thru service that allows you to complete simple transactions without leaving your vehicle. It's just another way we're making banking easier for you! If you're sending us official correspondence, please note that while you can visit us at our branch location, you should direct mail to our mailing address at 312 Canton Rd, Cumming, GA 30040-2214.

Member Eligibility

At Georgia United, we believe that becoming a member is like joining a warm and welcoming family. If you live, work, or worship in our community, you're already on your way to enjoying all the benefits we offer. Whether you're seeking financial guidance or simply want to take advantage of our great rates on loans and savings accounts, we're here for you. For those interested in more detailed eligibility criteria, feel free to check out our comprehensive guide at this link. Opening an account with us is easy! You can find everything you need to get started by visiting our account opening page. Our team is always ready to help you through the process, so don't hesitate to reach out at 770-476-6400 if you have any questions. Come visit us at 731 Atlanta Hwy, Cumming, GA 30040, and discover how being part of Georgia United can make a positive difference in your financial journey!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing. Imagine being able to accept payments from customers quickly and easily, enhancing their experience while increasing your sales. Our solutions help streamline your operations so you can focus on what matters most growing your business. Visit us at 731 Atlanta Hwy Cumming Ga 30040 in Cumming, GA, or call us at (770) 476-6400 to learn more about how we can partner with you on your business journey.

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

ATM and Drive-Thru Services

Need cash quickly? Enjoy our ATM services, which include cash withdrawals and balance checks whenever you need them. For those who prefer face-to-face interactions but still want convenience, our branch offers basic drive-thru banking, making deposits and withdrawals hassle-free. At Georgia United, we are more than just a credit union; we are a community partner committed to helping you thrive financially. If you have questions or need assistance with any of our services, don't hesitate to reach out at 770-476-6400 or visit us today! Let us help you take the next step towards financial empowerment.

Business Banking Options

For our entrepreneurial members, we offer comprehensive business banking solutions. From merchant services that simplify transactions to business loans designed to fuel growth, we're here to support your business endeavors every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we've invested in robust online and mobile banking features. Access your accounts anytime, anywhere through our user-friendly app and website. You can easily manage your finances, transfer funds, or pay bills from the comfort of your home or on the go.

Financial Flexibility

Life can throw unexpected expenses your way. To help you navigate these moments, we provide personal loans and debt consolidation services. This means you can consolidate your debts into one manageable payment, making it easier to stay on track financially. Plus, our credit cards with rewards allow you to earn points on everyday purchases, giving you added benefits while you spend.

Personal Banking Solutions

We understand that everyone's financial journey is different. That's why we offer a variety of personal banking options, including checking and savings accounts designed to help you save for what matters most. Need a new car? Our auto loans and vehicle financing options can get you on the road quickly and affordably. If you're considering buying a home, explore our mortgage loans and refinancing solutions, which can help make homeownership a reality.

Digital & Online Banking

Key Services for Your Convenience

Our online banking services are available 24/7, so you can check balances, transfer funds, and pay bills whenever it suits you. Plus, with our mobile application, managing your money is just a tap away. You can even make person-to-person transfers with ease, ensuring that sending money to friends or family is quick and hassle-free.

On-the-Go Payments

For those moments when you're out and about, our mobile payments feature makes transactions simple and fast. Whether you're grabbing coffee or shopping for groceries, making payments has never been easier. With all these features combined, Georgia United provides a user-friendly experience tailored to meet your needs while keeping your financial information safe. We're committed to supporting you in every step of your financial journey!

Security and Ease of Use

Security is our top priority. With electronic signature authorization available, you can sign documents digitally without any worry. We also offer e-statements that allow you to view your account statements securely online, helping you keep track of your finances without the clutter of paper.

Financial Strength

Growing Member Base

Total Share Accounts stand at an impressive 287,951, showing a strong and growing member base that trusts us with their finances. This growth reinforces our commitment to providing exceptional service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Georgia United is your trusted partner. Visit us at 731 Atlanta Hwy Cumming GA 30040 or call 770-476-6400 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our impressive net income of $13,841,472 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. 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 team.

Reinvestment for Growth

With $186,930,622 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $13,636 in used auto loans and a total of $1,720,532,724 in loans and leases.

Secure Savings Options

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 Foundation

With a net worth of $238,518,527, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1078 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, with over $210,013,369 in used vehicle loans and $252,407,844 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, we have flexible financing options tailored to your needs.

Credit Lines

For those who prefer flexibility in borrowing, our total credit lines amount to $700,357,500, allowing members to access funds as needed without having to apply for multiple loans. This option is perfect for managing ongoing expenses or emergencies. If you're considering refinancing any existing loans or checking eligibility for our products, we encourage you to visit our website or contact us directly. Our team is ready to help you find the best solution for your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. At Georgia United Credit Union, we're committed to providing you with transparent information and support throughout your lending journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $354,206,140, make buying or refinancing simple. We guide you through the process and ensure you understand your options fully so you can make informed decisions.

Unsecured Credit Card Loans

Managing daily expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $73,311,367 in loans helping members manage their finances effectively. With competitive rates and no collateral required, our credit cards provide peace of mind when unexpected costs arise.

Loan Aggregator

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GEORGIA UNITED CREDIT UNION - Cumming, GA