MyGeorgia Credit Union Gainesville GA | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Mygeorgia, your trusted financial partner in the heart of Gainesville, Georgia. Located at 976 Dawsonville Hwy, our Oakwood Branch has been serving our community since 1971. With a proud membership of over 20,000 individuals, we are dedicated to providing personalized banking solutions that cater to your unique needs. At Mygeorgia, we believe that everyone deserves access to financial tools that empower them. With total assets reaching an impressive $214,095,484, we are committed to ensuring your financial stability and growth. Our team, led by CEO Joe Foster and Board President Lamar Gailey, is here to guide you through various services including personal banking, auto loans, mortgages, and business banking solutions. We understand that life can be unpredictable, which is why we offer flexible loan options with a total of 8,471 loans and leases currently active. Our members enjoy the peace of mind that comes with knowing their deposits are safe; we manage over $10,295,292 in total deposits and maintain a robust net worth of $23,952,907. While you can always reach us at our branch for face-to-face assistance or use our convenient online banking services at mygacu.com, feel free to contact us directly at 770-531-5559 for any inquiries or support you may need. Whether you're looking to open a new account or seeking financial advice, we invite you to visit us at Mygeorgia. Your financial journey is important to us, and we're here to help every step of the way!

Branch History & Mission

Welcome to Mygeorgia, a credit union that has proudly served the Gainesville community since 1971. Located at 976 Dawsonville Hwy, Gainesville, GA 30501, we have built a rich legacy of trust and commitment to our members over the years. With a total membership of over 20,000, our growth reflects the support and dedication of our community. From our humble beginnings, Mygeorgia has evolved significantly. We started with a simple mission: to provide reliable financial services while supporting our members' dreams and aspirations. Today, with total assets exceeding $214 million, we offer a wide range of products tailored to meet the diverse needs of our members. Our financial services include personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also cater to businesses with merchant services and business loans. At Mygeorgia, we believe in the power of community. Our mission goes beyond financial transactions; it encompasses a commitment to uplift and support our local neighborhoods. We engage in various outreach programs that contribute positively to the lives of those around us. Whether through financial education or community service initiatives, we strive to make a meaningful impact. While members can visit us at our branch on Dawsonville Hwy, official correspondence should be sent to PO Box 5004, Gainesville, GA 30501. Our operating hours are designed for your convenience: Monday through Thursday from 8 AM to 5 PM and Friday from 8 AM to 6 PM. We understand the importance of accessibility in today's fast-paced world. That's why Mygeorgia offers ATM availability and drive-thru banking services for quick and easy transactions. Additionally, we are proud to provide digital solutions such as online banking and mobile payments so that you can manage your finances anytime, anywhere. As we look ahead, our focus remains on innovation and customer satisfaction. We are dedicated to ensuring ADA compliance across all our services so that everyone in our community can benefit from what we offer. Join us at Mygeorgia and experience the difference of being part of a member-focused organization that truly cares about your financial well-being. Together, let's build a brighter future for you and our community! For more information or any inquiries, feel free to reach out at 770-531-5559 or visit us online at Mygeorgia.

Branch Location & Accessibility

Welcome to the Mygeorgia Oakwood Branch, your friendly financial partner located at 976 Dawsonville Hwy in beautiful Gainesville, GA. Nestled in Hall County, our branch is easily accessible and conveniently situated near local landmarks, making it a breeze for you to stop by. Whether you're running errands or just enjoying a day out, we're here to serve you. At the Mygeorgia Oakwood Branch, we prioritize your convenience. Our location features ample parking and is designed with accessibility in mind, ensuring that everyone can comfortably visit us. If you need assistance when you arrive, our team is always ready to help. We are open Monday through Thursday from 8 AM to 5 PM and on Friday from 8 AM to 6 PM. This means you have plenty of opportunities throughout the week to drop in for your banking needs. With services ranging from personal banking and auto loans to mortgages and business banking solutions, we strive to provide everything you might need under one roof. For added convenience, we also offer ATM access and drive-thru banking services for quick transactions without leaving your vehicle. Need to reach us? You can give us a call at 770-531-5559 for any questions or support. While members can visit us at our branch address, official correspondence should be sent to PO Box 5004, Gainesville, GA 30501. We look forward to welcoming you soon! Come by and discover how Mygeorgia can make your banking experience exceptional.

Member Eligibility

At Mygeorgia, we believe that joining our credit union is like stepping into a warm, welcoming community where your financial well-being comes first. Becoming a member is easy and open to anyone who lives, works, worships, or attends school in the Gainesville area. We are here to support you with various services, from personal banking to auto loans and more. If you're ready to take the next step toward membership, simply give us a call at (770) 531-5559 or visit us at 976 Dawsonville Hwy Gainesville Ga 30501. You can also check out the eligibility details on our website for more information: . We look forward to having you as part of our family at Mygeorgia!

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

Imagine having a reliable partner that simplifies payment processing so you can focus on what you do best running your business. Our merchant services offer seamless transaction solutions that keep your cash flow steady and your customers satisfied. From credit card processing to online payments, we provide practical tools designed to enhance your operations. Located at 976 Dawsonville Hwy Gainesville Ga 30501 in Gainesville, GA, we are here to support your business journey every step of the way. Contact us at (770) 531-5559 to learn how our business banking and commercial services can fuel your success!

Comprehensive List Of Services

Business Banking Solutions

For business owners, we offer specialized services like merchant services and business loans. Whether you're just starting out or looking to grow your established business, our experienced team can help provide tailored solutions that fit your specific needs.

Call Us Today!

At Mygeorgia, we are committed to providing exceptional service that meets all your financial needs under one roof. If you have any questions or want more information about how we can assist you further, please don't hesitate to reach out! Call us at (770) 531-5559 or visit us at 976 Dawsonville Hwy Gainesville Ga 30501 in Gainesville, GA today!

Credit Options

Managing debt can be challenging, which is why we provide personal loans and debt consolidation solutions. Our goal is to help simplify your financial obligations and put you on the path to financial freedom. Plus, don't forget about our credit cards with rewards, allowing you to earn points or cash back on everyday purchases.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize digital banking features at Oakwood Branch. With online and mobile banking, you can access your accounts anytime, anywhere. You can easily check balances, transfer funds, pay bills, and even use mobile payments for contactless transactions. Need cash on the go? Our ATM services allow for quick withdrawals and balance checks without having to visit a branch. For those who prefer face-to-face interactions but still value convenience, our drive-thru banking provides essential services like deposits and withdrawals without leaving your car.

Personal Banking Services

We offer a variety of personal banking options tailored for individuals and families. Our checking and savings accounts make it easy to manage your day-to-day finances while also saving for future goals. Whether you're managing household expenses or saving for that dream vacation, our accounts are designed with you in mind. If you're considering purchasing a vehicle, our auto loans and vehicle financing options can help make that dream a reality. We offer competitive rates and flexible terms to ensure you find the right fit. Additionally, for those looking to purchase a home or refinance an existing mortgage, our mortgage loans and refinancing services provide the support you need to navigate the process smoothly.

Digital & Online Banking

Accessible Online Banking

With 24/7 online banking services available at https://www.mygacu.com/, you can check your account balances, transfer money, pay bills, and even set up electronic statements all from the comfort of your home or on the go. Plus, our user-friendly interface makes navigation a breeze for everyone.

E-Statements for Easy Tracking

Say goodbye to paper clutter with our e-statements feature. You can receive your monthly statements electronically, making it easier than ever to keep track of your finances without the hassle of physical mail. At Mygeorgia, we're committed to providing accessible and efficient banking solutions tailored for our members' needs. Experience the ease of managing your accounts digitally today!

Mobile Features for On-the-Go Members

For those who like to bank from their phones, our mobile application offers all the features you need right at your fingertips. Enjoy mobile payments that let you make purchases quickly and easily. Want to send money to friends or family? Our person-to-person transfer service makes it simple to send cash with just a few taps.

Secure Transactions

Security is a top priority for us. Our electronic signature authorization feature ensures that your transactions are safe and protected. You can trust that your information is secure when using our services.

Financial Strength

At Mygeorgia, 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 understand that trust is built on a solid foundation, and our financial strength reflects our commitment to you. 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 1117 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 $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. 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 lending capacity supports your financial goals with $40,094 in used auto loans and an impressive total of $138,901,054 in loans and leases across various sectors. Our operational efficiency is reflected in our net income of $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, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts: 36,511, showing a strong and growing member base that trusts 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, Mygeorgia is your trusted partner. Visit us at 976 Dawsonville Hwy Gainesville GA 30501 or call 770-531-5559 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 $77,415,719 in used vehicle loans and $14,915,106 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, our team is here to guide you through the process.

Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's where our flexible terms on unsecured credit card loans come into play. With a total of $4,143,372 in unsecured credit card loans helping members manage their finances effectively, we ensure that you have access to funds when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide various mortgage solutions including Junior Lien 1-4 Family Residential Properties loans totaling $7,561,637. Our dedicated staff will assist you in finding the right mortgage product that fits your budget and lifestyle.

Other Loan Options

For those considering business ventures or expansions, we also offer outstanding commercial loans totaling $304,174, providing the capital needed to grow and thrive. Whether you're looking for refinancing options or assessing eligibility for any of our products, our knowledgeable team is ready to assist you every step of the way. 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 your lending possibilities with Mygeorgia today! We're committed to supporting your journey towards financial success with competitive rates and personalized service.

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