MyGeorgia Credit Union Homer GA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Mygeorgia, your trusted partner in financial wellness located at 448 Evans St, Homer, GA 30547. Established in 1971, our credit union has proudly served over 20,000 members in the community. We are committed to providing exceptional service and a range of financial solutions that meet your unique needs. At Mygeorgia, we believe in the power of community. With total assets of $214,095,484, we ensure that our members have access to reliable financial products such as auto loans, mortgages, personal loans, and business banking services. Our total deposits amount to $10,295,292, reflecting the trust our members place in us every day. Under the leadership of CEO Joe Foster and Board President Lamar Gailey, we prioritize transparency and member satisfaction. Our team of 56 dedicated employees is here to assist you with everything from setting up your accounts to navigating loans and investments. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at PO Box 563, Homer, GA 30547. We invite you to explore what Mygeorgia has to offer. Whether you're looking for checking and savings accounts or need assistance with financing options, we're here to help. Call us today at 706-677-1264 or visit our website at mygacu.com for more information. Join us on this journey towards achieving your financial goals!

Branch History & Mission

Community Commitment

We understand that true growth happens when we invest in our community. That's why Mygeorgia partners with various local organizations and participates in outreach programs designed to support education and economic development in Banks County. Together with our members, we work hard to create a positive impact that lasts.

Join Us!

Are you ready to experience the benefits of being part of something bigger? Join Mygeorgia today! Whether you're looking for personal banking options or business services, we're here to help you achieve your financial goals. Visit us during our operating hours Monday through Thursday from 8:00 AM to 5:00 PM and Friday from 8:00 AM to 6:00 PM or give us a call at 706-677-1264. Let's build a brighter future together!

Our Journey

The journey of Mygeorgia began with a clear vision: to provide accessible and affordable financial solutions to everyone in our community. Since opening our doors at 448 Evans St, Homer, GA 30547, we have continually expanded our offerings. From personal banking services like checking and savings accounts to vehicle financing and mortgage loans, we strive to meet the diverse needs of our members. Our branch is conveniently located near key landmarks in Homer, making it easy for you to visit us. While you can reach us at the branch address mentioned above for all your banking needs, please note that official correspondence should be sent to PO Box 563, Homer, GA 30547 if different from your visit.

Our Mission

At Mygeorgia, our mission is simple yet powerful: we aim to empower individuals and families by providing them with the tools they need for financial success. This includes not just offering competitive rates on loans and deposits but also engaging in community outreach initiatives that uplift those around us. We believe that supporting local organizations and participating in community events are vital components of our responsibility as a credit union. As technology evolves, so do we. Our digital banking services ensure you can manage your finances easily through online banking and mobile payments. We prioritize ADA compliance and customer-centric initiatives to make banking convenient for everyone.

Branch Location & Accessibility

Convenient Banking Hours

We understand that your time is valuable. That's why we offer extended lobby hours to accommodate your busy schedule: Monday through Thursday from 8:00 AM to 5:00 PM and Fridays until 6:00 PM. Whether you need assistance with checking accounts, loans, or credit cards with rewards, our friendly staff is here to help during these hours.

Getting Here

Finding us is simple! If you're traveling from downtown Homer or nearby areas in Banks County, just head towards Evans Street. Our branch is easily accessible with ample parking space available, ensuring that your visit is as hassle-free as possible. We are proud to be ADA compliant, featuring ramps and accessible entrances for all our members. While members can visit us at 448 Evans St, official correspondence should be sent to PO Box 563, Homer, GA 30547.

Services Offered

At the Mygeorgia Homer Branch, we provide a variety of services tailored to meet your financial needs. From personal banking including checking and savings accounts to auto loans and mortgage refinancing, we are equipped to assist you every step of the way. Need quick cash? Our ATM services are available for withdrawals and balance checks whenever you need them.

Visit Us Today!

Your financial wellness is our priority at Mygeorgia. With a commitment to serving our community and providing excellent member service, we invite you to stop by or give us a call at 706-677-1264. Experience personalized banking today because at Mygeorgia, we're not just about numbers; we're about people.

Member Eligibility

Becoming a member of Mygeorgia is like joining a close-knit community where your financial well-being matters. If you live, work, worship, or attend school in the area around 448 Evans St Homer Ga 30547, you're already eligible to become part of our family! We welcome everyone who shares our values and wants to benefit from our personalized services. Membership not only gives you access to a variety of financial products but also places you in a supportive environment where you can achieve your goals together with us. To start your journey with us, opening an account is straightforward. You can find all the information you need about eligibility and account opening on our website at . If you have any questions or would like to speak with someone directly, feel free to call us at (706) 677-1264. We're excited to help you take this important step toward better banking!

Business Banking & Commercial Services

Commercial Loans That Make a Difference

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 for Seamless Transactions

Imagine running your business without the hassle of complicated payment systems. Our merchant services are designed to simplify transactions, making it easier for you to accept payments from customers. Whether you operate a retail store or offer services online, our solutions help you manage sales efficiently while keeping your cash flow smooth. Explore how Mygeorgia, located at 448 Evans St Homer Ga 30547 in Homer, GA, can elevate your business banking experience today! For more information, give us a call at (706) 677-1264.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Accessing cash is made easy with our ATM services available throughout the area. Whether you're withdrawing cash or checking your balance, you'll have convenient access whenever needed. At Mygeorgia, we strive to make banking straightforward and accessible for everyone. Explore all these services today by visiting us at 448 Evans St Homer Ga 30547 or giving us a call at (706) 677-1264. Let us partner with you on your financial journey! For more information about our offerings, visit us online at Homer Branch.

Auto Loans & Vehicle Financing

Need a new car? Our competitive auto loans and vehicle financing options make it simple for you to drive away in the vehicle you want. We provide flexible terms and low rates that suit your budget. Picture this: You find the perfect car, apply online from the comfort of your home, and get approved quickly so you can hit the road without delay.

Business Banking

Are you an entrepreneur? Our business banking services, including merchant services and business loans, are crafted to support your growing venture. From setting up a business account to securing financing for expansion, we're here to ensure your business thrives.

Credit Cards with Rewards

For those who love to earn while they spend, our credit cards with rewards offer points for every purchase you make. Use them for everyday expenses and watch as rewards add up whether it's cash back or travel benefits; it's like getting something back for what you already do!

Mortgage Loans & Refinancing

Purchasing a home is one of the biggest decisions you'll ever make. At Mygeorgia, we offer mortgage loans and refinancing options designed to help you secure your dream home or lower your monthly payments. With our knowledgeable staff by your side, navigating the mortgage process becomes much easier.

Personal Banking

We understand that managing your personal finances can be challenging. That's why we offer tailored personal banking solutions, including checking and savings accounts that fit your lifestyle. Imagine easily accessing your funds through our online and mobile banking platforms, where you can check balances, transfer money, and pay bills with just a few taps on your phone.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans can help cover those costs when they arise. Additionally, if you're struggling with multiple debts, consider our debt consolidation services to simplify your payments into one manageable loan with potentially lower interest rates.

Digital & Online Banking

E-Statements & Mobile Features

Stay organized and environmentally friendly with e-statements available right at your fingertips. You'll receive monthly statements digitally, so you can review your account activity without the clutter of paper. If you're always on the move, our mobile application allows you to manage your money effortlessly. With the added benefit of mobile payments, making purchases is quick and secure.

Key Services

Our online banking platform at https://www.mygacu.com/ provides you with 24/7 access to your accounts. You can check balances, pay bills, and transfer funds anytime you need. Plus, with features like electronic signature authorization, signing important documents is hassle-free and secure no more printing or mailing!

Person-to-Person Transfers

Sending money to friends or family is simple with our person-to-person transfer feature. Whether it's splitting a bill or sending a gift, you can do it all from your phone or computer without any hassle. In summary, Mygeorgia provides user-friendly online banking options that prioritize both convenience and security. Experience real-time account management wherever life takes you! For more details about our digital services, visit us at https://www.mygacu.com/ or give us a call at (706) 677-1264.

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 the importance of trust in banking, which is why we continuously work to maintain a solid foundation that supports your financial needs. 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. We prioritize our members above all else; this dedication is reflected in our commitment to keeping non-member deposits at zero. This means our resources focus solely on benefiting you through better loan rates and exclusive perks. With $18,699,231 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $13,890,105 in total loans and leases and 4,094 used auto loans. Our operational efficiency reflects in our performance metrics; while our net income stands at $0, this indicates a strategic focus on long-term stability rather than short-term gains. We also take pride in having 56 full-time employees who are committed to serving you with knowledgeable guidance. Total Share Accounts: 36,511 show 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 448 Evans St, Homer GA 30547 or call 706-677-1264 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 looking for financing on a brand-new model or a reliable used vehicle, we have options that suit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $304,174 provide the capital needed to grow and expand. We offer tailored solutions that cater specifically to your business needs, whether you're starting out or looking to scale up. At Mygeorgia, we are committed to helping you navigate your financial journey. If you're interested in refinancing options or checking eligibility criteria for any of our products, feel free to reach out. You can contact us at (706) 677-1264 or visit us at our branch located at 448 Evans St Homer Ga 30547 in Homer, 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 partner with you to achieve your financial aspirations!

Credit Lines

For those who need extra flexibility, our credit lines total $88,365,529, allowing you to access funds when needed without the hassle of applying for a new loan each time. This can be especially useful for unexpected expenses or larger purchases.

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. We provide guidance throughout the process to help you make informed decisions and secure the best possible terms for your new home.

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. Our credit card options come with rewards and benefits that can enhance your spending experience while keeping your budget in check.

Loan Aggregator

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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 ensures that users receive fair and transparent offers. Each lender featured has been verified for legitimacy, which adds an extra layer of trust to the comparison process.

Mygeorgia