North Georgia Credit Union Clayton GA | Best Auto Loans & ATM Services

Introduction

Welcome to North Georgia, your trusted financial partner in the heart of Clayton, Georgia. Located at 579 Highway 441 S, our branch has been serving the community since 1991 and has grown to support over 12,000 members. With a commitment to fostering financial well-being, we proudly manage total assets of $102,771,616, ensuring that your savings are not just safe but also working for you. At North Georgia, we believe in providing a personal touch. Under the leadership of our dedicated CEO, Brian Akin, and Board President James Norris, we focus on building strong relationships with our members. Whether you need assistance with auto loans, mortgages, or everyday banking needs, our team of 40 employees is here to help you every step of the way. While you can easily visit us at our branch location in Clayton, for official correspondence, please send your mail to our office at 1067 Mize Rd, Toccoa, GA 30577-5845. We take pride in being an integral part of the community. Our total deposits currently stand at $2,675,216, reflecting our members' trust and confidence in us. With a net worth of $12,113,836 and cash on hand totaling $3,071,354, we're financially solid and ready to support your needs. Explore a variety of services designed just for you: from checking and savings accounts to auto loans and credit cards with rewards. As we continue to grow together as a community-focused credit union, we invite you to reach out by calling us at 706-212-0336 or visit our website at ngcu.org. Let's work together towards achieving your financial goals!

Branch History & Mission

At North Georgia, we take pride in our rich history and unwavering mission to serve the community. Established in 1991, our Clayton Branch has grown alongside the vibrant city of Clayton, GA. With a commitment to providing exceptional financial services, we have built a strong membership base of over 12,000 members who trust us for their banking needs. Located conveniently at 579 Highway 441 S, our branch is easy to find and accessible for all residents. We invite you to experience our welcoming atmosphere, where every member is treated like family. While members can visit us at this address, official correspondence should be sent to 1067 Mize Rd, Toccoa, GA 30577-5845. Our mission at North Georgia is clear: we aim to empower individuals and families through comprehensive financial solutions that promote economic growth and community well-being. We offer a range of services, including personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our business banking services also support local entrepreneurs with merchant services and business loans. As we evolved over the years, we've embraced digital advancements that make banking more convenient for our members. Our online banking platform allows members to manage their accounts from anywhere while maintaining ADA compliance for accessibility. Additionally, we offer mobile applications and e-statements to enhance your banking experience. Community outreach is at the heart of what we do. We regularly partner with local organizations to support initiatives that uplift our neighbors and strengthen our community ties. Whether through financial education programs or sponsorships of local events, North Georgia is dedicated to making a positive impact. With total assets exceeding $102 million, we are proud of our financial stability and commitment to sound banking practices. Our drive-thru service and ATM availability ensure that members can access their funds conveniently during operating hours: Monday through Friday from 9 AM to 5 PM. We invite you to join the North Georgia family today! Experience firsthand how our member-focused approach can help you achieve your financial goals while being part of a supportive community. For more information or to open an account, give us a call at 706-212-0336 or visit us online at ngcu.org. Your journey towards financial empowerment starts here!

Branch Location & Accessibility

Accessibility and Features

We understand that accessibility is important for our members. Our branch is equipped with ADA-compliant features, including ramps and wide doorways, ensuring everyone can easily visit us. Plus, we have ample parking available right outside for your convenience. While you can reach us at our physical location, please note that official correspondence should be sent to our mailing address at 1067 Mize Rd, Toccoa, GA 30577-5845. This helps ensure that your important documents are processed smoothly.

Call to Action

If you're in the area or planning a visit soon, we invite you to stop by! Our friendly staff is eager to assist you with all your banking needs. Feel free to call us at 706-212-0336 if you have any questions before you arrive. Come see why so many people in Rabun County choose North Georgia as their trusted credit union!

Operating Hours

Our dedicated team is here to serve you Monday through Friday from 9 AM to 5 PM. Whether you're looking to open an account, apply for a loan, or simply need assistance with your banking inquiries, we're ready to help during these hours.

Services Offered

At North Georgia Clayton Branch, we offer a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. You can also take advantage of our ATM services and basic drive-thru banking for deposits and withdrawals.

Member Eligibility

Becoming a member of North Georgia feels like joining a warm, supportive community where your financial needs are truly understood. To qualify for membership, you simply need to be a resident of Rabun County or the surrounding areas, work for a company that partners with us, or have family members who are already members. This means that if you're living nearby or connected to someone in our community, you're likely eligible! We believe in making banking accessible and personal, so becoming a member here opens up a world of benefits like lower loan rates and personalized service tailored just for you. Ready to take the next step? Opening an account is easy! Just visit us at our branch located at 579 Highway 441 S Clayton Ga 30525, or you can start the process online by checking out more details on eligibility at https://ngcu.org/forms_app/disclose1d.html and get started with account opening at https://online.ngcu.org/auth/enrollment?culturename=en. If you have any questions, feel free to call us at (706) 212-0336. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $761,700, we continue to drive economic growth by financing new and expanding businesses. Imagine launching your next big project with the confidence that you have reliable funding behind you. Our loans can be the springboard you need to take your venture to the next level.

Merchant Services

In addition to loans, we offer robust merchant services that simplify transactions for your business. From accepting card payments to managing online sales, our tools are designed to make everyday operations smoother. Picture this: a busy Saturday at your store where customers can pay quickly and easily enhancing their shopping experience while boosting your sales. Located at 579 Highway 441 S Clayton Ga 30525 in Clayton, GA, we're here to support your business journey. Reach out today at (706) 212-0336 and discover how North Georgia can help you achieve your goals!

Comprehensive List Of Services

Business Banking Services

For our business members, we understand that running a business comes with its own set of challenges. That's why we offer merchant services and business loans tailored to support your goals. Whether you're starting a new venture or expanding an existing one, we're committed to helping your business thrive.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. With just a few clicks or taps, you can check balances, transfer funds, and even make person-to-person payments without needing to visit the branch. If you're on the go, our ATM and cash withdrawal services ensure that you have access to your money whenever you need it.

Friendly In-Branch Services

For those times when you prefer face-to-face interactions, our basic drive-thru banking offers quick access for deposits, withdrawals, and simple transactions without leaving your car. Our dedicated staff is always ready to assist you during lobby hours from Monday through Friday. At North Georgia, we're committed to making banking easy and accessible for everyone in our community. We invite you to explore all the services we have available at Clayton Branch and see how we can assist you in achieving your financial goals. For more information or if you have any questions, feel free to reach out at (706) 212-0336. Join us today as we embark on this financial journey together!

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts tailored to fit your lifestyle. Imagine having an account that not only helps you manage your daily expenses but also earns you interest on your savings. Our auto loans and vehicle financing options make it simple for you to drive away in a new car without breaking the bank. If you're considering purchasing a home, our mortgage loans and refinancing options can guide you through the process smoothly. Need some extra cash for unexpected expenses? Our personal loans and debt consolidation services are designed to give you peace of mind by providing flexible repayment options. Additionally, with credit cards offering rewards, every purchase can bring you closer to your next getaway or special treat.

Digital & Online Banking

Easy Access Anytime, Anywhere

With our 24/7 online banking services, you can access your accounts anytime through our website at https://ngcu.org/. Check your balance, pay bills, or transfer money with just a few clicks. Plus, our user-friendly mobile application allows you to manage your finances right from your smartphone, ensuring you have all the tools you need right at your fingertips.

Secure and Reliable Features

Security is a top priority for us. Our electronic signature authorization feature makes it simple to sign documents safely and securely from anywhere. You can also choose to receive e-statements, reducing paper clutter while keeping your information secure and accessible.

Send Money with Ease

Need to send money to a friend? With our person-to-person transfer option, you can quickly send funds directly from your account without any hassle. It's perfect for those times when you need to share expenses or help someone out in a pinch. While we currently do not offer mobile payments, our commitment to enhancing your banking experience is unwavering. We're always exploring new ways to make banking simpler and more accessible for our members. At North Georgia, we believe that banking should empower you. Experience the ease of real-time account management with our innovative digital banking solutions today!

Financial Strength

Dedicated Team

We also take pride in having 39 full-time employees and 1 part-time employees ready to assist you with knowledgeable service at all times.

Growing Membership Base

Our total share accounts stand at 22,352, showcasing 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, North Georgia is your trusted partner. Visit us at 579 Highway 441 S Clayton Ga 30525 or call (706) 212-0336 to learn more about how we can help you achieve your financial goals.

Member-Centric Focus

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are dedicated to benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $120,021. This enables us to continue offering competitive loan rates and solid financial products tailored for you.

Reinvesting in Our Members

With $11,703,444 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is impressive, featuring $67,723 in used auto loans and a total of $80,292,270 in loans and leases available to support your financial goals across various sectors.

Secure Savings

Members' savings are secured through $18,204,497 in share certificates, offering stable and rewarding growth opportunities. Though we currently do not have money market shares available, our focus remains on providing safe investment options tailored to your needs.

Solid Foundation

With a net worth of $12,113,836, we maintain robust financial health, which empowers us to provide better rates, lower fees, and enhanced member services. Our net worth ratio of 11.79% showcases our solid capital foundation, ensuring that we can continue to deliver 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 $18,889,964 in used vehicle loans and $4,095,749 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used car, our competitive rates can help you save money while getting the vehicle you need.

Business Financing

For business owners, our outstanding commercial loans totaling $761,700 provide the capital needed to grow and expand. We recognize that small businesses are vital to our community's economy and aim to support entrepreneurs at every stage. At North Georgia, we prioritize your financial well-being. Our lending team is available to discuss refinancing options or eligibility requirements tailored to your unique situation. If you're interested in learning more about how our loan offerings can help you achieve your financial dreams, feel free to reach out at (706) 212-0336 or visit us at 579 Highway 441 S Clayton Ga 30525 in Clayton, 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.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,353,399, make buying or refinancing simple. We provide flexible terms and personalized service to ensure that you feel confident in your financing choice. Our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. These credit cards can be an excellent option for those looking to build their credit while enjoying the convenience of cashless transactions.

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NORTH GEORGIA CREDIT UNION - Clayton, GA

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