Georgia's Own Americus GA Credit Union | Affordable Auto Loans & Quick Personal Loans

Introduction

At Georgia's Own, we understand that financial decisions can shape your future. Located at 602 Tripp St, Americus, GA 31709, our credit union has been serving the community since 1934, helping members navigate their financial journeys with trust and reliability. With a proud membership of 239,964 individuals and total assets exceeding $4.2 billion, we are dedicated to supporting our community through every twist and turn. Our commitment to you is reflected in our impressive offerings. Whether you're looking for a new auto loan or a safe place to deposit your savings, we manage over $301 million in deposits and have issued more than 263,000 loans and leases. Our leadership team, headed by CEO Dave Preter and Board President Richard Burns, is passionate about providing personalized service and fostering a sense of belonging among our members. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to the same address: 602 Tripp St, Americus, GA 31709. With an unwavering net worth of $463 million and cash on hand amounting to $47.8 million, Georgia's Own is well-equipped to support you financially while ensuring your peace of mind. We offer a range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions tailored just for you. As part of our commitment to transparency and community impact, we pride ourselves on being approachable and responsive. If you have questions or need assistance, don't hesitate to reach out at (229) 924-5475 during our operating hours: Monday to Thursday from 9:00 AM to 4:00 PM and Friday until 5:30 PM. Join us today at Georgia's Own where your financial goals are within reach! Visit us online at Georgia's Own or stop by for a friendly chat about how we can help you achieve your dreams.

Branch History & Mission

At Georgia's Own, we take pride in our rich legacy that dates back to 1934. Since our humble beginnings, we have grown into a cornerstone of the Americus community, committed to serving our members with integrity and dedication. Located at 602 Tripp St, Americus, GA 31709, our branch has been a trusted partner in financial services for generations. Over the years, Georgia's Own has evolved significantly. From our initial focus on providing basic banking services to becoming a comprehensive financial institution, we've continually adapted to meet the changing needs of our community. Today, with total assets exceeding $4.2 billion and a thriving membership base of nearly 240,000 individuals, we are proud to be a leading credit union in the region. Our commitment to fostering financial wellness is reflected in our wide range of services, including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our mission at Georgia's Own is simple yet powerful: we aim to empower our members by offering accessible financial services while actively contributing to the well-being of our community. We believe that everyone deserves the chance to achieve their financial goals and dreams. This mission drives us to engage in various outreach efforts and partnerships that support local initiatives and foster economic growth within Americus and surrounding areas. In addition to traditional banking services, we are committed to enhancing your experience through modern conveniences such as online banking and mobile payments. We also offer ATM access and drive-thru services for your ease and comfort. Our branch is ADA compliant, ensuring that all members can access our facilities without barriers. While you can visit us at our main address for everyday banking needs, official correspondence should be sent to the same location: 602 Tripp St, Americus, GA 31709. You can reach us by phone at (229) 924-5475 during our operating hours: Monday through Thursday from 9:00 AM to 4:00 PM and Friday from 9:00 AM to 5:30 PM. Join us at Georgia's Own Credit Union today! Experience firsthand how we can support your financial journey while making a positive impact in our beloved community. Together, we can build a brighter future for everyone in Americus!

Branch Location & Accessibility

Convenient Access and Features

At Georgia's Own, we understand that convenience is key. Our branch features ample parking and is designed with accessibility in mind. Whether you're visiting us for personal banking or need support with loans and accounts, our facility is ADA compliant, ensuring everyone can access our services without hassle. If you're unable to visit us during regular hours, don't worry! We offer drive-thru banking for quick transactions like deposits and withdrawals. Plus, our ATM services are available around the clock for your convenience.

Operating Hours

We're here to help during the week! Our lobby hours are from 9:00 AM to 4:00 PM from Monday to Thursday and extended hours on Friday until 5:30 PM. This schedule allows you flexibility whether you're dropping by before work or taking care of business later in the day. While members can visit us at 602 Tripp St, official correspondence should be sent to the same address. Feel free to give us a call at 229-924-5475 if you have any questions or need assistance before visiting.

Visit Us Today!

Join us at Georgia's Own for all your banking needs. Whether you're looking for checking accounts, auto loans, or mortgage refinancing options, our friendly team is ready to assist you every step of the way. Stop by today and discover how we can help make your financial journey smoother!

Member Eligibility

At Georgia's Own, we believe that joining our community is more than just opening a bank account it's about becoming part of a supportive family that cares about your financial well-being. To become a member, you simply need to meet some friendly eligibility criteria. If you live, work, worship, or attend school in specific areas of Georgia, you're likely eligible! We welcome individuals from diverse backgrounds and situations, making it easy for you to take the first step toward better banking. For a complete overview of the eligibility requirements, feel free to visit our website at Georgia's Own Membership. Starting your journey with us is straightforward. You can open an account online by visiting Account Opening, or if you prefer speaking with someone directly, give us a call at (229) 924-5475. Our friendly team is here to help you through every step and answer any questions you may have. Join us at our branch located at 602 Tripp St Americus Ga 31709, where we're excited to welcome you into the Georgia's Own family!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1126 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $13 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $503329542, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running your business smoothly with payment solutions tailored just for you. Our merchant services make accepting payments easy and efficient, allowing you to focus on what truly matters: growing your business. From credit card processing to online payment systems, we've got you covered. Located at 602 Tripp St, Americus, GA 31709, we're here to partner with you on your journey to success. Let's build a prosperous future together! For more information or assistance, feel free to call us at 229-924-5475.

Comprehensive List Of Services

Business Banking

For our business members, we offer specialized services such as merchant services and business loans. These solutions are designed to streamline operations and help your business grow. We know how important it is for small businesses to have access to funding when they need it most.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Georgia's Own provides robust online and mobile banking services so you can manage your finances anytime, anywhere. With features like mobile payments and person-to-person transfers, banking has never been easier. Our branch also offers basic ATM services for quick withdrawals and balance checks as well as drive-thru banking for simple transactions like deposits and withdrawals without leaving your car.

Home Loans

Thinking about buying a home? Our mortgage loans and refinancing options can help turn that dream into reality. With personalized service from our knowledgeable team, you'll find guidance through each step of securing a mortgage or refinancing an existing loan.

Join Us Today

With our commitment to member satisfaction and community support, Georgia's Own stands ready to assist you with all your financial needs. Feel free to reach out at 229-924-5475 if you have any questions or would like more information about our services. Visit us at Georgia's Own today and see how we can help you achieve your financial goals!

Personal Banking

We understand that managing your personal finances can be challenging. That's why we offer personal banking services including checking and savings accounts designed to fit your lifestyle. Our accounts come with features that make it easier for you to track your spending and save for important goals. Imagine being able to set up automatic transfers into your savings account so you can watch your nest egg grow without even thinking about it! For those moments when you need extra cash or want to consolidate debt, our personal loans provide flexible options tailored to meet your specific needs. Plus, with our credit cards that offer rewards, every purchase can bring you closer to exciting benefits like travel or cash back.

Vehicle Financing

Are you in the market for a new car? Our auto loans and vehicle financing options allow you to drive away in the vehicle of your dreams without breaking the bank. We work closely with members like you to find competitive rates that suit your budget. Whether you're buying a brand-new car or refinancing an existing loan, we're here to make the process as smooth as possible.

Digital & Online Banking

Accessibility and Ease of Use

Whether you're making mobile payments or checking your account balance late at night, you'll find that using our digital services is user-friendly and efficient. We aim to empower you with real-time account management tools that fit seamlessly into your daily routine. With Georgia's Own, managing your finances has never been easier or more secure! Embrace the convenience of digital banking today and experience how simple it can be to stay on top of your financial goals.

Key Services

Our online banking features make it easy to keep track of your finances. You can view your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Our mobile application enhances this experience further by allowing you to manage your money right from your smartphone. Plus, with our person-to-person transfer feature, sending money to friends or family is quick and hassle-free. For those who prefer going paperless, we provide e-statements that help you stay organized without the clutter of physical documents. Security is a top priority at Georgia's Own; our systems protect your information while ensuring ease of access. Although we do not currently offer electronic signature authorization, our other security measures keep your data safe.

Financial Strength

At Georgia's Own, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial strength positions us as a reliable partner for all your banking needs. With a net worth of $463,803,561, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1111 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $923,310,057 in share certificates and $488,871,825 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $345,434,390 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $108,877 in used auto loans and a total of $3,109,102,769 in loans and leases. Our impressive net income of $9,311,740 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 685 full-time employees and 19 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at an impressive 467,060, showing a strong and growing member base that trusts us with their finances. At Georgia's Own Credit Union located at 602 Tripp St Americus GA 31709, we strive for excellence every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Georgia's Own is your trusted partner. Visit us at 602 Tripp St Americus GA 31709 or call 229-924-5475 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With over $562,652,914 in used vehicle loans and $237,514,201 in new vehicle loans already helping members get on the road, you're sure to find an option that fits your budget. We also have refinancing options available if you're looking to lower your monthly payments or reduce your interest rate.

Business Financing

For business owners, our outstanding commercial loans totaling $503,329,542 provide the capital needed to grow and expand. We recognize that businesses are the backbone of our community and are committed to supporting local entrepreneurs. At Georgia's Own, we pride ourselves on being more than just a financial institution; we're a part of your journey towards financial well-being. If you're interested in learning more about eligibility options or applying for any of our loan products, please reach out to us at (229) 924-5475 or visit us at 602 Tripp St Americus Ga 31709 in Americus, 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. Let us help you take the next step toward achieving your financial dreams!

Credit Card Loans

Managing everyday expenses can be tricky. That's why we offer flexible terms on unsecured credit card loans, with a total of $96,497,100 in loans helping members manage their finances effectively. Whether you're looking for rewards or simply need a safety net for unexpected expenses, our credit card options are designed with you in mind.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $446,071,867, making buying or refinancing simple. We believe that owning a home should be accessible, and our dedicated team is here to guide you through the process.

Loan Aggregator

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Georgias Own