Georgia's Own Saint Marys GA Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Georgia's Own, your trusted financial partner located at 2000 Osborne Rd, Saint Marys, GA 31558. Since our establishment in 1934, we have proudly served our community, growing to a strong membership of 239,964 members. At Georgia's Own, we focus on delivering exceptional service and support, ensuring that every member feels valued and understood. With total assets exceeding $4.2 billion and deposits amounting to $301,106,489, our commitment to financial strength is unwavering. Our leadership team, including CEO Dave Preter and Board President Richard Burns, works tirelessly to foster an environment where members can thrive. We offer a wide range of services including personal banking, auto loans, mortgage options, and business banking solutions all designed with your needs in mind. While you can reach us directly at our branch location for any inquiries or assistance, please note that official correspondence should be sent to our mailing address at P.O. Box 3140, Kingsland, GA 31548. Join us as we continue to build a brighter financial future together! If you're ready to explore what Georgia's Own has to offer or have any questions about our services, don't hesitate to give us a call at 912-882-4630. We look forward to welcoming you into the Georgia's Own family!

Branch History & Mission

At Georgia's Own, we pride ourselves on our rich history and unwavering commitment to serving our community. Established in 1934, our St. Marys Branch has grown from a small organization into a vital part of the local landscape, providing financial services to over 239,964 members. Our branch is located at 2000 Osborne Rd, Saint Marys, GA 31558, a convenient spot for residents and businesses alike. Our mission is simple yet powerful: to empower our members through accessible financial solutions while fostering community growth and support. We believe that everyone deserves the opportunity for financial success, and we strive to offer personalized services tailored to meet the unique needs of each member. From personal banking and auto loans to mortgage options and business banking solutions, we're here to help you achieve your financial goals. As we have evolved over the years, we've embraced digital advancements to enhance our member experience. Our online banking platform allows you to manage your finances effortlessly from anywhere. Additionally, our drive-thru service makes it easy for you to complete transactions without leaving your vehicle. Community involvement is at the heart of what we do. We regularly engage in outreach efforts and partnerships that support local initiatives, ensuring that we give back to the communities that support us. Our team is dedicated not only to helping you with your financial needs but also to making a positive impact in St. Marys and beyond. While members can visit us at 2000 Osborne Rd, official correspondence should be sent to P.O. Box 3140, Kingsland, GA 31548 if needed. With total assets exceeding $4.2 billion, Georgia's Own stands as a reliable institution where members can trust their finances are in good hands. Whether you're looking for assistance with loans or simply want more information about our services, don't hesitate to reach out at 912-882-4630. Join us today and experience firsthand how Georgia's Own can help you thrive financially while supporting the vibrant community of St. Marys! Visit our website at Georgia's Own for more details on becoming a member or check out how to open an account. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Georgia's Own, your friendly neighborhood credit union located at 2000 Osborne Rd in the beautiful city of Saint Marys, GA. Nestled in Camden County, our branch is easily accessible and conveniently situated near local landmarks, making it a perfect stop for all your banking needs. Whether you're heading to the nearby St. Marys River or visiting one of the local parks, we invite you to drop by and experience our exceptional services. At Georgia's Own, we prioritize convenience for our members. Our branch features ample parking and is fully ADA compliant, ensuring that everyone can access our facilities without hassle. If you prefer to bank from your vehicle, take advantage of our drive-thru service for quick deposits and withdrawals. Plus, with an ATM on-site, you can enjoy easy cash access whenever you need it. We are here for you during welcoming hours! Visit us Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM. On Wednesdays, we open a bit later and close early at 1:00 PM to accommodate your midweek schedule. If you have any questions or need assistance, don't hesitate to call us at 912-882-4630; our friendly team is ready to help! While members can visit us at 2000 Osborne Rd for their banking needs, please note that official correspondence should be sent to our mailing address at P.O. Box 3140 in Kingsland, GA. Come see us at Georgia's Own! We're excited to serve you with a range of personal and business banking services designed to meet your financial goals. Your satisfaction is our priority!

Member Eligibility

Joining Georgia's Own is like becoming part of a welcoming family that truly cares about your financial well-being. To become a member, you simply need to meet a few friendly eligibility criteria. If you live, work, or worship in certain areas of Georgia, you're likely already qualified! This inclusive approach means that many community members can take advantage of our fantastic services. Plus, being part of Georgia's Own opens the door to a range of benefits designed to help you manage your finances better and achieve your goals. Getting started is easy! You can find all the details about our eligibility requirements by visiting this page. If you're ready to open an account, check out our simple application process at this link. If you have any questions or need assistance, feel free to give us a call at 912-882-4630. We're here to help you every step of the way as you embark on this exciting journey with us at Georgia's Own, located at 2000 Osborne Rd, Saint Marys, GA 31558!

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 $503,329,542, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services designed to streamline your payment processes. Imagine easily accepting payments from customers whether they pay in-store or online. Our merchant services provide the tools you need to enhance customer experiences and simplify transactions, making it easier for your business to thrive. Located at 2000 Osborne Rd, Saint Marys, GA 31558, we're ready to partner with you on your journey toward success. For more information about how Georgia's Own can help your business grow, give us a call at 912-882-4630.

Comprehensive List Of Services

Business Banking

For our entrepreneurial members, Georgia's Own offers comprehensive business banking services. From merchant services that simplify payment processing to business loans that help fuel growth, we're committed to supporting your success.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your finances anytime, anywhere. Whether it's making deposits through our ATM services or transferring funds easily via person-to-person payments, we've made banking accessible at your fingertips.

Drive-Thru and ATM Services

For those who prefer in-person service but value speed, our drive-thru banking is perfect for quick transactions like deposits and withdrawals. Plus, with basic ATM access available for balance checks and cash withdrawals, handling your finances has never been more straightforward. At Georgia's Own, we understand the importance of community and personalized service. Our friendly team is always ready to assist you during our operating hours Monday, Tuesday, Thursday, and Friday from 9:00 am to 5:00 pm; Wednesday from 9:00 am to 1:00 pm. Ready to explore how we can assist you further? Give us a call at 912-882-4630 or visit us online at Georgia's Own today! Your financial journey starts here!

Loans and Credit Options

Sometimes life throws unexpected expenses your way. That's why we offer personal loans and debt consolidation services designed to give you peace of mind when you need it most. Our credit cards come with rewards that can benefit you in everyday purchases, making them a great choice for savvy spenders.

Personal Banking

Navigating your finances can be challenging, but with our personal banking services, it becomes much easier. We offer checking and savings accounts that cater to different lifestyles and saving goals. If you're considering purchasing a new car, take advantage of our competitive auto loans and vehicle financing options. We also provide mortgage loans and refinancing solutions to help you own your dream home without breaking the bank.

Digital & Online Banking

Key Services

Our online banking features give you full control over your money. You can check balances, pay bills, and even set up e-statements for a paperless experience yes, we offer e-statements! This means you can keep track of your finances without cluttering your mailbox. If you're on the go, our mobile application makes it easy to bank right from your smartphone. Need to send money to a friend? Our person-to-person transfer feature lets you do just that with a few taps on your screen. Plus, with mobile payments enabled, making purchases has never been easier or faster.

Security and Accessibility

When it comes to security, we've got you covered. While we don't use electronic signature authorization for all transactions, our systems are designed to keep your information safe and sound. You can rest assured knowing that managing your money online is both easy and secure. With Georgia's Own, you get more than just banking; you gain a partner dedicated to helping you take charge of your financial life. Experience the ease of real-time account management today!

Financial Strength

Growing Member Base

Total Share Accounts: 467,060, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 2000 Osborne Rd Saint Marys Ga 31558 or call 912-882-4630 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 Savings Secured

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 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 and committed team.

Reinvesting in Your Future

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.

Solid 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.

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 also have financing options for both new and used vehicles that allow you to choose the terms that work best for you. Plus, if you're considering refinancing an existing auto loan, we can help with that too!

Conclusion

At Georgia's Own located at 2000 Osborne Rd Saint Marys GA 31558, we pride ourselves on offering personalized service and financial solutions that meet your specific needs. For more information about our loan products or to discuss eligibility options further, don't hesitate to reach out at 912-882-4630. 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 towards achieving your financial dreams!

Credit Lines and Unsecured Loans

Managing finances effectively is crucial in today's world. That's why we also offer flexible terms on unsecured credit card loans, with a total of $96,497,100 in loans available to our members. This option is perfect for those looking to consolidate debt or cover unexpected expenses without the need for collateral. Additionally, our total credit lines amount to $1,102,074,554, providing businesses and individuals with access to funds when they need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $446,071,867, which can help you secure the home you've always wanted. If you're already a homeowner and are looking into refinancing your current mortgage for better terms or rates, we can guide you through those options as well.

Loan Aggregator

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