Georgia's Own Folkston GA Credit Union | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Georgia's Own, your trusted financial partner in Folkston, Georgia! Located at 3792 Second St S, our branch has been serving the community since 1934, providing reliable banking solutions tailored to meet your needs. With a total membership of over 239,964 individuals, we pride ourselves on fostering strong relationships and a sense of belonging among our members. At Georgia's Own, we understand the importance of financial stability. Our assets total an impressive $4,236,719,400, reflecting our commitment to helping you achieve your financial goals. Whether you're looking for personal banking services such as checking and savings accounts or need assistance with auto loans and mortgages, we have you covered. In fact, we currently manage 263,347 loans and leases, ensuring that our members have access to the funds they need when they need them. Our team is dedicated to providing top-notch service. Under the leadership of CEO Dave Preter and Board President Richard Burns, our staff of 704 employees is always ready to assist you with a smile. We strive to make your banking experience as convenient as possible through various offerings including online and mobile banking options. While members can visit us at 3792 Second St S, official correspondence should be sent to our mailing address at 3792 Second St S, Folkston, GA 31537-8452. If you have any questions or need assistance, don't hesitate to reach out at 912-496-2006. Join us today and discover how Georgia's Own can help you navigate your financial journey with confidence! Visit our website at georgiasown.org for more information or to open an account. We look forward to welcoming you into our community!

Branch History & Mission

Join Us

As we continue to grow and adapt to the changing landscape of finance, we invite you to become part of Georgia's Own family. Experience firsthand how we prioritize your needs while contributing positively to the community around us. Whether you're looking for personal banking solutions or business services, we're here for you. For more information about joining or exploring our offerings further, please reach out at (912) 496-2006 or visit Georgia's Own. Together, let's build a brighter future for all!

Our Mission

At Georgia's Own, we believe that financial services should go hand-in-hand with community support. Our mission is to provide accessible banking solutions while fostering a sense of belonging among our members. We are committed to serving not just as a financial institution but as a partner in every member's journey toward achieving their dreams. In addition to traditional banking services like checking and savings accounts, auto loans, and mortgages, we focus on innovative solutions such as online and mobile banking. This allows us to meet the needs of our diverse membership base efficiently. We also ensure ADA compliance so that everyone can access our services without barriers. We are proud of our commitment to community outreach and partnership initiatives that strengthen ties within Folkston and beyond. Our dedicated team works tirelessly to provide resources and support through various programs aimed at enhancing financial literacy and economic growth. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to 3792 Second St S, Folkston, GA 31537-8452 if different from the branch address.

Branch Location & Accessibility

Getting Here

Our branch sits near several key landmarks that make it easy to find. If you're coming from downtown Folkston, you'll appreciate how close we are to local shops and eateries. We have ample parking available, ensuring that you can visit us without any hassle. For those with mobility concerns, our facilities are ADA compliant, featuring ramps and accessible entrances so everyone can enjoy our services comfortably.

Operating Hours

We understand that your time is valuable. That's why we offer flexible hours to accommodate your busy schedule. You can visit us Monday, Tuesday, Thursday, and Friday from 9:00 am to 5:00 pm, with a shorter window on Wednesdays from 9:00 am to 1:00 pm. Need assistance outside these hours? No problem! Our online and mobile banking options let you manage your finances anytime.

Services Offered

At Georgia's Own, we're proud to offer a wide range of services designed to meet your financial goals. From personal banking accounts like checking and savings to auto loans and mortgage refinancing, we've got you covered. Our drive-thru service allows for quick deposits and withdrawals without leaving your vehicle perfect for those on the go! Plus, with an ATM available at our location, cash withdrawal has never been easier. While members can visit us at 3792 Second St S, official correspondence should be sent to the same address in Folkston. Should you have any questions or need assistance, don't hesitate to give us a call at 912-496-2006. We invite you to stop by Georgia's Own in Folkston today! Whether you're interested in opening an account or simply want to learn more about what we offer, our friendly team is eager to help you every step of the way. Come see why we're more than just a credit union; we're part of your community!

Member Eligibility

At Georgia's Own, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join our family. We also extend membership to those who have family members already with us. This means that whether you're just starting out or looking for a place to grow your financial health, we're here for you. By joining Georgia's Own, you'll enjoy benefits like competitive rates on loans and savings, personalized service, and access to a variety of financial products designed with your needs in mind. Ready to take the next step? You can learn more about the specific eligibility criteria by visiting our website at this link. Once you're ready to open an account, it's as easy as clicking here to get started. If you have any questions, feel free to give us a call at (912) 496-2006. We can't wait to welcome you into our community at 3792 Second St S, Folkston, GA 31537!

Business Banking & Commercial Services

Business Loan Options

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

In addition to loans, we offer merchant services that make transactions easier for your customers. Imagine a busy café using our point-of-sale systems to accept payments quickly and securely. Or a local retail store effortlessly managing sales while keeping track of inventory all thanks to our tailored solutions. Join us at Georgia's Own, located at 3792 Second St S, Folkston, GA 31537, and discover how we can help your business reach its full potential. For more information, call us at 912-496-2006 or visit our website at Georgia's Own.

Comprehensive List Of Services

Convenient Access Anytime

We know that convenience matters in today's busy world. That's why we provide ATM and cash withdrawal services that allow you access to your money whenever you need it. Our drive-thru service ensures quick transactions for deposits, withdrawals, and simple banking tasks without leaving your car.

Get Started Today!

Ready to take control of your financial future? Visit us at Georgia's Own in Folkston or call us at 912-496-2006 for more information on how we can assist you with all your banking needs. Our friendly staff is eager to guide you through our range of services and help you find the best solutions for your unique situation. Join us today your journey towards smarter banking starts here!

Personal Banking Made Easy

For individuals and families, personal banking is at the heart of what we do. We offer checking and savings accounts that are designed to fit your lifestyle. With our online and mobile banking options, managing your finances has never been easier. Imagine checking your balance or transferring funds from your phone while waiting in line at the grocery store our digital tools make it possible. When it comes time to purchase a vehicle, our auto loans and vehicle financing can help you hit the road without breaking the bank. You can also explore mortgage loans and refinancing options if you're ready to buy your dream home or lower your monthly payments on an existing mortgage. If you need extra cash for personal projects or debt consolidation, our personal loans are here for you.

Rewarding Credit Options

At Georgia's Own, we understand that credit is an important part of financial health. That's why we offer credit cards with rewards, allowing you to earn points on everyday purchases. Whether it's for travel or just enjoying life's little pleasures, our rewards program adds value every time you swipe.

Supporting Local Businesses

We don't forget about our local entrepreneurs! Our business banking services include merchant services and business loans tailored to support your growth and success. With us as your partner, navigating business finances can be less daunting.

Digital & Online Banking

E-Statements and Transfers

Say goodbye to paper clutter! With e-statements available, you can view your financial statements online whenever you need them. Additionally, our person-to-person transfer service makes sending money to friends and family a breeze. Just a few taps on your device, and the money is on its way!

Mobile Application & Payments

Stay connected with our mobile application! Available for download, it allows you to manage your accounts on the go. Plus, with our mobile payments feature, you can make purchases directly from your phone. It's fast and secure no need to dig for cash or cards.

Online Banking Services

Explore the full range of our online banking options at https://www.georgiasown.org/ . Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Our user-friendly interface ensures that navigating through your financial matters is straightforward and hassle-free.

Security First

We prioritize your safety with every transaction. While we do not currently support electronic signature authorization, rest assured that all our services are protected by advanced security measures. Your information stays safe while you enjoy the freedom of digital banking. Join us at Georgia's Own for a banking experience that combines convenience with peace of mind. Embrace the future of finance today!

Financial Strength

Growing Together

We have a strong member base with 467,060 total share accounts, showing that many trust 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's Own is your trusted partner. Visit us at 3792 Second St S Folkston GA 31537 or call 912-496-2006 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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.

Operational Efficiency

Our commitment to efficiency is reflected in our net income of $9,311,740, which enables 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 and committed team.

Our Financial Health

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.

Reinvesting for Your Benefit

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 your financial goals across various sectors with $108,877 in used auto loans and a total of $3,109,102,769 in loans and leases.

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. We provide flexible terms to fit your budget and lifestyle. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to guide you through the process.

Business and Commercial Loans

For business owners looking to grow or expand their operations, our outstanding commercial loans totaling $503,329,542 provide the capital needed for development and investment. We understand the unique challenges businesses face and are committed to providing tailored solutions that support your vision. If you're considering refinancing any existing loans or want to explore eligibility options for our various products, our friendly staff at Georgia's Own is here to assist you every step of the way. For more information on how we can help meet your financial needs or to start your loan application process today, feel free to reach out at (912) 496-2006 or visit us at our branch located at 3792 Second St S Folkston Ga 31537, Folkston, 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 goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $446,071,867. Our mortgage specialists are ready to assist you with personalized service tailored to your needs. Whether you're a first-time buyer or looking to refinance your current mortgage, we can help simplify the process.

Unsecured Credit Card Loans

We also recognize that managing day-to-day expenses can be challenging. 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. Enjoy competitive rates and rewards that make your spending work harder for you.

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GEORGIA'S OWN CREDIT UNION - Folkston, GA