MyGeorgia Credit Union Clayton GA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Mygeorgia, your trusted financial partner located at 122 Plaza Way, Clayton, GA 30525. Since our establishment in 1971, we've been committed to supporting our community and providing exceptional financial services tailored to meet the needs of our 20,008 members. With a strong focus on building lasting relationships, we pride ourselves on being more than just a credit union; we're a community that cares. At Mygeorgia, we understand that your financial journey is unique. That's why we offer a range of personalized services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. As of now, our total assets stand at an impressive $214,095,484, ensuring that we have the resources to support you in achieving your financial goals. While members can visit us at our branch for any assistance, official correspondence should be directed to PO Box 1658, Clayton, GA 30525. Our dedicated team of 56 employees, led by CEO Joe Foster and Board President Lamar Gailey, is here to help you navigate your financial needs with expertise and care. With total deposits reaching $10,295,292 and total loans amounting to 8,471, we are proud to serve you with both stability and growth. We also maintain a solid net worth of $23,952,907, alongside cash reserves of $3,533,212, which reflects our commitment to sound financial management. Whether you're looking for competitive loan rates or reliable banking services like online and mobile banking available at mygacu.com we invite you to explore how Mygeorgia can assist you today. For any inquiries or assistance needed, feel free to reach out at 706-212-0333. Your path to financial success starts here!

Branch History & Mission

Welcome to Mygeorgia, a credit union with a rich history and a strong commitment to the community in Clayton, GA. Since opening our doors in 1971, we have proudly served our members and contributed to the financial well-being of individuals and families in our area. With a total membership of over 20,000 and assets amounting to an impressive $214,095,484, Mygeorgia has grown significantly while maintaining our focus on personal service and community support. Located at 122 Plaza Way, Clayton, GA 30525, our branch is easily accessible for local residents. You can also reach us by mail at PO Box 1658, Clayton, GA 30525 if you need to send official correspondence. Our operating hours are convenient for your schedule: we're open Monday through Thursday from 8:00 AM to 5:00 PM and on Friday until 6:00 PM. We invite you to stop by or give us a call at 706-212-0333. At Mygeorgia, our mission is simple yet powerful: we aim to provide exceptional financial services that empower our members while fostering a sense of community. We offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. Our commitment goes beyond traditional banking; we actively engage in community outreach programs that strengthen our ties with local organizations and residents. As part of our dedication to serving you better, we've embraced modern technology with features like online banking and mobile payments. This ensures that managing your finances is both easy and secure. We're also proud to be ADA compliant so that all members can access our services without barriers. Over the years, Mygeorgia has built valuable partnerships within the community that help us extend our reach and impact. We believe that when we invest in our community's growth, everyone benefits. Whether it's through supporting local events or collaborating with other organizations for positive change, we are here for you. Join us at Mygeorgia as we continue this journey together. Become a member today and experience firsthand how we can help you achieve your financial goals while making a difference in the community! Visit us online at mygacu.com or come see us at our branch in Clayton we look forward to welcoming you!

Branch Location & Accessibility

Accessibility and Parking

At Mygeorgia's Clayton Branch, we prioritize accessibility for all members. Our location features ADA-compliant entrances and parking spaces to ensure everyone can visit us comfortably. Parking is ample and conveniently located right outside our doors so you can get in and out quickly.

Operating Hours

We understand that life can get busy, which is why our operating hours are designed to accommodate your schedule. You can visit us Monday through Thursday from 8:00 AM to 5:00 PM, and on Fridays we stay open until 6:00 PM. Our friendly staff is here during these hours to assist you with a variety of services.

Services Offered

We take pride in offering a full range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered! And if you need cash quickly, we have an ATM available right at our branch for your convenience. Although we don't have drive-thru service at this location, our team is ready to help you inside with any questions or transactions you may have.

Visit Us Today!

We invite you to come by and see how Mygeorgia can help you manage your finances better. If you have any questions or need assistance before your visit, feel free to give us a call at 706-212-0333. We look forward to welcoming you into our community!

Member Eligibility

Becoming a member of Mygeorgia is like joining a friendly neighborhood where everyone supports each other's financial journey. At our branch located at 122 Plaza Way Clayton Ga 30525, we welcome individuals who live, work, or worship in the area, making it easy for you to connect with us. Whether you're looking for personal banking services or seeking to grow your savings, membership here offers you numerous benefits tailored just for you. To learn more about the specific eligibility requirements, check out this helpful resource: . Joining is simple and inclusive; if you have any questions or need assistance during the process, feel free to call us at (706) 212-0333. We're excited to help you take the first step toward a brighter financial future!

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 $14 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 $304,174, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to our loan options, we offer merchant services that make transactions easier for you and your customers. Picture this: a local café streamlining payments with quick and secure processing solutions that improve customer satisfaction and cash flow. Our services are designed for real-world applications, ensuring you can focus on what matters most growing your business. Visit us at 122 Plaza Way Clayton Ga 30525 in Clayton, GA, or give us a call at (706) 212-0333 to learn more about how we can support your business banking needs. Together, let's build a brighter future for your enterprise!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll appreciate our Business Banking services, including Merchant Services & Business Loans that can help your business thrive. We recognize the importance of supporting local businesses and have designed services that cater specifically to their needs.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Mygeorgia offers robust Online & Mobile Banking options. With features like ATM & Cash Withdrawal Services, you can access your funds anytime, anywhere. Our basic ATM access allows for easy withdrawals and balance checks, ensuring you stay on top of your finances with minimal effort. Additionally, we provide tools like Mobile Payments and Person-to-Person transfers, making it simple to send money or pay bills from the comfort of your home or on the go. At Mygeorgia, we are committed to making banking accessible and user-friendly for everyone in our community. With dedicated staff ready to assist you and a range of products tailored to meet your financial goals, we invite you to experience the difference today. If you'd like more information about any of our services or want to speak with one of our representatives, don't hesitate to reach out at (706) 212-0333. We're here to help!

Personal Banking Solutions

Whether you're opening your first checking account or saving for a big purchase, our personal banking services are tailored for you. We offer Checking & Savings Accounts that provide flexibility and convenience for everyday transactions. If you're considering buying a new car, our Auto Loans & Vehicle Financing options make it easy to get behind the wheel without breaking the bank. For those looking to invest in a home, our Mortgage Loans & Refinancing services can help you find the right fit. We also provide Personal Loans & Debt Consolidation solutions, allowing you to manage expenses and consolidate debt effectively. And don't forget about our Credit Cards with Rewards, which offer great benefits on everyday purchases!

Digital & Online Banking

Accessible Anytime

Whether you're at home or out and about, our digital banking services allow for real-time account management right at your fingertips. No more rushing to the bank before closing time; with Mygeorgia, everything you need is just a click away. Join us today and experience how convenient banking can be with Mygeorgia!

Key Services

Our online banking platform allows you to manage your accounts with ease. You can view balances, transfer funds, and pay bills all in one secure place. Plus, enjoy the benefit of e-statements, so you can keep track of your transactions without the clutter of paper statements conveniently accessible when you need them. Are you always on the go? Our mobile application makes banking even simpler. With features like mobile payments, you can make purchases directly from your phone. If you're looking to send money quickly to friends or family, our person-to-person transfer service lets you do just that, all while keeping your information safe. For added security, we provide electronic signature authorization, ensuring that your transactions are protected. This means you can sign documents digitally without the hassle of printing and scanning.

Financial Strength

A Solid Foundation

With a net worth of $23,952,907, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,117 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Investing in Your Future

With $18,699,231 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to providing loans is evident with $4,094 in used auto loans and $138,901,054 in total loans and leases, supporting your financial goals across various sectors.

Member-Focused Savings

Members' savings are secured through $66,014,628 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 operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 56 full-time employees and 0 part-time employees who are dedicated to serving you with knowledge and care.

Strong Member Base

Total Share and Deposit Accounts stand at 36,511, showing a robust and growing member base that trusts us with their finances. This trust is essential as it allows us to focus on what matters most providing outstanding service to our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mygeorgia is your trusted partner. Visit us at 122 Plaza Way Clayton Ga 30525 or call (706) 212-0333 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $77,415,719 in used vehicle loans and $14,915,106 in new vehicle loans already helping members get on the road. We cater to both new and used vehicles, making it easy for you to drive away with confidence.

Business Financing

If you're a business owner, you'll appreciate our outstanding commercial loans totaling $304,174. These loans are designed to give businesses the capital they need to grow and thrive.

Credit Lines

For those who need a bit more flexibility, our credit lines amounting to $88,365,529 provide access to funds whenever you need them. This option can be particularly beneficial for managing cash flow or making larger purchases without the immediate strain on your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,561,637, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, we provide competitive rates and flexible terms.

Refinancing Options

We also offer refinancing options across many of our loan products. If you're looking to lower your monthly payments or take advantage of better interest rates, our team is here to guide you through the process. At Mygeorgia, we pride ourselves on providing clear information and support throughout your borrowing journey. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how our loan offerings can work for you today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,143,372 in loans helping members manage their finances effectively. These cards come with no collateral requirements and give you the freedom to handle unexpected expenses or everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan 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 to sourcing from reputable lenders ensures fair and transparent offers for all users.

Mygeorgia