Georgia United Decatur GA Credit Union | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Georgia United at our South Dekalb Office, located at 5173 Panola Industrial Blvd, Decatur, GA 30035. Since opening our doors in 1958, we've been committed to providing exceptional financial services tailored to meet the unique needs of 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 wellness. As a member-focused institution, we manage assets totaling an impressive $2,266,149,781. Our dedication to our members is reflected in our robust offerings, which include everything from personal banking and auto loans to mortgage financing and business services. Currently, we have issued 73,463 loans and leases and hold total deposits of $131,819,274 an indicator of the trust our members place in us. Led by CEO Debbie Smith and Board President Tom Dickson, our team of 145 employees is here to ensure you receive the best possible service. We understand that financial decisions can be overwhelming, which is why we're dedicated to guiding you every step of the way. Whether you prefer visiting us in person or accessing your accounts online through our user-friendly website at gucu.org, we strive to make your banking experience as seamless as possible. While members can visit us at 5173 Panola Industrial Blvd, official correspondence should be sent to the same address for convenience. If you have any questions or need assistance, feel free to reach out at 770-476-6400 or via fax at 770-476-6433. Join us today and discover how Georgia United can help you secure your financial future!

Branch History & Mission

Join Us

As we continue to grow and adapt, we invite you to be part of this incredible journey. Experience firsthand the benefits of being a member of Georgia United Credit Union where your financial goals become our priority. Whether you're looking for personal banking solutions or need assistance with business financing, our dedicated team is here to help you every step of the way. Call us today at (770) 476-6400 or visit our website at Georgia United to learn more about how we can assist you in achieving your financial dreams!

Our Mission

At Georgia United, our mission is simple yet profound: we aim to empower our members financially while fostering a spirit of community support. We offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage solutions, and credit cards with rewards. We are committed to meeting the needs of our members through innovative online and mobile banking solutions that enhance accessibility and convenience. While members can visit us at 5173 Panola Industrial Blvd Decatur Ga 30035, official correspondence should be sent to 5173 Panola Industrial Blvd, Decatur, GA 30035-4010. Our operating hours are designed with your schedule in mind: Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM, and Wednesday from 10:00 AM to 5:00 PM. For those on the go, we provide both ATM services and drive-thru banking for quick transactions. Our commitment extends beyond traditional banking; we actively engage in community outreach efforts aimed at making a positive impact. We believe in partnerships that uplift individuals and families by providing educational resources and financial literacy programs.

Branch Location & Accessibility

Welcome to the Georgia United branch, conveniently located at 5173 Panola Industrial Blvd in Decatur, GA. Nestled in DeKalb County, our branch is easily accessible for all your banking needs. Whether you're coming from downtown Decatur or nearby neighborhoods, you'll find us just a short drive away. Look for us near familiar spots like the Panola Mountain State Park, making it easy to stop by while enjoying your day. At our Georgia United branch, we prioritize your convenience. We have ample parking available right outside, and our facility is designed with accessibility in mind, including ramps and ADA-compliant features for all our members. Our operating hours are crafted to fit your busy schedule: we welcome you Monday through Tuesday and Thursday to Friday from 9 AM to 5 PM, and on Wednesdays from 10 AM to 5 PM. Need cash or quick banking services? We offer an ATM on-site along with drive-thru banking options for your convenience. Our friendly staff is ready to assist with a range of services, including personal banking accounts, auto loans, mortgage options, and much more all tailored to meet your financial needs. If you prefer official correspondence, please send it to our mailing address at 5173 Panola Industrial Blvd, Decatur, GA 30035-4010. Feel free to call us at 770-476-6400 if you have any questions or need assistance before your visit. We're here to help and look forward to welcoming you soon!

Member Eligibility

At Georgia United, we believe that becoming a member is like joining a close-knit family where your financial well-being is our top priority. If you're looking to join us at our Decatur branch located at 5173 Panola Industrial Blvd, you'll be glad to know that eligibility is accessible and straightforward. Generally, individuals who live, work, worship, or attend school in DeKalb County can apply for membership. We aim to create a welcoming environment for everyone, making it easy for you to take the first step towards improved financial health. For more detailed information on eligibility criteria, feel free to visit our website at https://gucu.org/learn/learning-center/resource-detail/education/2025/01/28/how-to-save-for-a-dream-vacation . When you're ready to open an account, the process is seamless! You can find all the details and get started by visiting http://www.gucu.org/apply-for-a-loan . If you have any questions along the way, don't hesitate to reach out to us at 770-476-6400. We're here to help you every step of the way as you embark on your journey with Georgia United!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced world, having efficient payment processing can set your business apart. Our merchant services offer a streamlined way to accept payments, making transactions easier for both you and your customers. Imagine reducing wait times at checkout while boosting customer satisfaction this is what our merchant services aim to deliver. Located at 5173 Panola Industrial Blvd, Decatur, GA 30035, we're here to partner with you on your journey toward success. Reach out to us at 770-476-6400 to learn more about how we can help your business thrive!

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 business members, we understand how crucial effective banking solutions are. Our Business Banking services include essential tools like Merchant Services & Business Loans, helping entrepreneurs thrive in their ventures.

Credit Options

When it comes to managing expenses or unexpected costs, our Personal Loans & Debt Consolidation services can help streamline your finances. Additionally, with our Credit Cards with Rewards, you can earn points on everyday purchases while enjoying the benefits of flexible payment options.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we emphasize our robust Online & Mobile Banking features. Whether you want to pay bills or send money to friends using our Person-to-Person service, everything is at your fingertips. Our ATMs allow for quick cash withdrawals and balance checks without the need to visit the branch.

In-Person Banking

We also value personal interactions and offer Basic Drive-Thru Banking for deposits, withdrawals, and simple transactions. This means whether you prefer face-to-face service or digital convenience, we've got you covered! At Georgia United, we're here to make banking easy and accessible. For more information about our services or if you're ready to open an account, don't hesitate to call us at 770-476-6400 or visit our website at gucu.org. Join us today and experience how we put your financial needs first!

Personal Banking Solutions

For those looking to manage day-to-day finances, our Personal Banking services are designed for convenience and flexibility. We offer various Checking & Savings Accounts that fit any lifestyle. You can easily access your accounts online or through our mobile banking app, allowing you to check balances and transfer funds anytime, anywhere. If you're considering buying a new car or refinancing your current vehicle, our Auto Loans & Vehicle Financing options provide competitive rates that make it easier for you to get behind the wheel. Plus, we offer Mortgage Loans & Refinancing solutions for those ready to invest in their dream home.

Digital & Online Banking

Key Features

Security is a top priority for us. Our online banking platform employs advanced measures to keep your data safe while you enjoy the ease of managing your accounts. Plus, with electronic signature authorization available, signing documents has never been more secure or straightforward. We also offer e-statements, so you can view your financial statements electronically no more paper clutter! If you're looking to send money quickly, our person-to-person transfer feature allows you to send funds directly to friends or family with ease. And if you're a fan of mobile payments, you'll be pleased to know that our services include this feature as well. At Georgia United, we believe that banking should be accessible and hassle-free. Our digital services provide a perfect blend of convenience and security, making it easier than ever for our members to stay on top of their finances. Explore all these features today and experience the future of banking with us!

Financial Strength

Growing Membership Base

We have established a strong community presence with 287,951 total share accounts that show a growing member base trusting us with their finances. Our financial strength means we can continue serving you with confidence. In conclusion, whether you're saving for a dream vacation or looking to finance your next vehicle, Georgia United is your trusted partner. Visit us at 5173 Panola Industrial Blvd Decatur GA 30035 or call us at 770-476-6400 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 Approach

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.

Operational Efficiency

Our 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 and committed 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 is impressive: with $13,636 in used auto loans and a total of $1,720,532,724 in loans and leases, we support members' financial goals across various sectors.

Solid Financial Health

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 10.78% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This commitment to financial strength means you can rely on us for your banking needs.

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 need financing for a brand-new model or a reliable used vehicle, our team can assist you every step of the way.

Business Financing

For business owners looking to expand operations or manage cash flow effectively, our outstanding commercial loans totaling $22,353,309 provide the capital needed for growth. We understand the unique challenges faced by businesses and strive to offer tailored solutions. Whether you're looking into personal loans for debt consolidation or exploring credit lines that fit your budgetary needs totaling $700,357,500 we've got you covered. Our team at Georgia United is committed to providing transparent and personalized service. If you have questions about any of our loan products or would like assistance with your application process, please don't hesitate to reach out at 770-476-6400. For more detailed insights and financial data about our offerings and performance metrics sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore your lending options today! Visit us online or stop by our branch to learn more about how we can support your financial journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $354,206,140, making it easier for you to invest in your future. If you're considering refinancing your existing mortgage or want to learn more about eligibility options, our dedicated staff is ready to guide you through the process.

Unsecured Credit Card Loans

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. These credit cards come with great rewards and benefits that allow you to earn while spending wisely.

Loan Aggregator

Benefits of Using LendMesh

LendMesh stands out for several reasons: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, empowering them to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights the practical benefits and reliability of using this comparison tool. 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.

Ensuring Accurate Comparisons

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 commitment ensures that users receive fair and transparent offers. Every listed loan originates from legitimate financial institutions, reinforcing trust and clarity in the decision-making process.

GEORGIA UNITED CREDIT UNION