North Georgia Credit Union Hartwell GA | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to North Georgia, where community and banking go hand in hand! Located at 249 E Franklin St, Hartwell, GA 30643, our branch has been serving the financial needs of our members since 1991. With a strong commitment to our community, we proudly support over 12,010 members, helping them achieve their financial goals every step of the way. At North Georgia, we understand that trust is essential in banking. That's why we focus on providing personalized services that cater to your unique needs. Our total assets amount to an impressive $102,771,616, which reflects our dedication to maintaining a stable and secure banking environment for you and your family. Whether you're looking for a checking account, auto loans, or mortgage options, we've got you covered with a variety of services designed just for you. Our leadership team is here to ensure your experience is nothing short of excellent. Under the guidance of CEO Brian Akin and Board President James Norris, we strive to foster a welcoming atmosphere that encourages member engagement and satisfaction. Our friendly staff comprising 40 employees is always ready to assist you with any questions or concerns you may have. With total deposits reaching $2,675,216 and cash in hand at $3,071,354, we are well-positioned to offer competitive rates and reliable service. We also boast a solid net worth of $12,113,836, ensuring your funds are safe with us. While members can visit us at our Hartwell location for all their banking needs, official correspondence should be sent to the same address: 249 E Franklin St, Hartwell, GA 30643. Are you ready to take control of your financial future? Visit us today or call us at 706-376-6961 during our operating hours from Monday to Friday between 9:00 AM and 5:00 PM. At North Georgia Credit Union, we're here for you!

Branch History & Mission

At North Georgia, we take pride in our rich history and commitment to serving the community. Established in 1991, our Hartwell Branch has been a cornerstone of financial support for families and businesses in Hartwell, GA. Located at 249 E Franklin St, our branch is not only easy to find but also surrounded by friendly neighborhoods and local landmarks that have witnessed our growth over the years. Since our inception, we have focused on creating a welcoming environment where everyone feels valued. Today, we are proud to serve over 12,000 members with total assets exceeding $102 million. Our mission is clear: to provide exceptional financial services while fostering a sense of community and belonging among our members. Our team works diligently to ensure that every member's financial journey is smooth and rewarding. Whether you're looking for personal banking options like checking accounts and auto loans or business services including merchant solutions and business loans, we've got you covered. We also offer modern conveniences such as online banking and mobile applications to make managing your finances easier than ever. We believe that financial health goes hand-in-hand with community well-being. That's why North Georgia actively engages in outreach programs and partnerships designed to uplift those around us. From sponsoring local events to supporting educational initiatives, we strive to give back to the community that has supported us throughout our journey. For those who prefer face-to-face interactions, we welcome you during our operating hours from Monday to Friday, 9:00 AM to 5:00 PM. Our drive-thru service allows for quick transactions without leaving your vehicle, making it even easier for you to access your accounts. And if you're ever in need of cash, you'll find an ATM available right at our branch. While members can visit us at 249 E Franklin St for all their banking needs, official correspondence should be sent to the same address. If you're ready to experience the benefits of membership at North Georgia, reach out today! Give us a call at 706-376-6961 or visit our website at ngcu.org to learn more about how we can help you achieve your financial goals. Join us on this journey together, we can build a stronger community!

Branch Location & Accessibility

Accessibility and Parking

We understand how important accessibility is for our members. Our branch is equipped with features that cater to everyone, including ADA-compliant ramps and ample parking space right outside our doors. You won't have to worry about finding a spot; there's plenty of room for everyone!

Convenient Location and Nearby Landmarks

Situated right in the heart of Hartwell, our branch is easy to find. You can spot us near popular local spots, making it a breeze to fit your banking needs into your day. If you're coming from downtown or passing by on your way to Lake Hartwell, swing by for quick banking solutions.

Operating Hours and Services Offered

Our doors are open Monday through Friday from 9:00 AM to 5:00 PM, providing you with flexible hours to manage your banking errands. Whether you're interested in opening a checking account, applying for an auto loan, or utilizing our drive-thru services for quick transactions, we've got you covered. With an ATM on-site and drive-thru banking available, accessing your funds has never been easier. While members can visit us at 249 E Franklin St for all their banking needs, official correspondence should be sent to the same address as well. If you have any questions or need assistance, feel free to reach out at 706-376-6961 our team is always ready to help! We invite you to come by and discover how North Georgia can support your financial journey today!

Member Eligibility

At North Georgia, we believe that joining our community should feel like stepping into a warm and welcoming space. Becoming a member is easy and open to anyone who lives, works, or worships in the Hartwell area, as well as their family members. Our goal is to provide you with exceptional financial services while fostering a supportive environment. If you're interested in the specific eligibility criteria, you can find all the details on our website at https://ngcu.org/forms_app/disclose1d.html. Opening an account with us is a straightforward process that allows you to access a range of benefits, from personalized banking solutions to competitive loan rates. We invite you to visit us at 249 E Franklin St Hartwell Ga 30643 or give us a call at (706) 376-6961 if you have any questions. To start your membership journey, simply check out the account opening details here: https://online.ngcu.org/auth/enrollment?culturename=en. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Loan Options for Growth

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.

Merchant Services That Work for You

Imagine having the tools to manage payments seamlessly while serving your customers better. Our merchant services offer practical solutions that make transactions easier, allowing you to focus on what matters most running your business. From payment processing to point-of-sale systems, we provide resources that enhance your operational efficiency. Visit us at 249 E Franklin St Hartwell Ga 30643 in Hartwell, GA, or give us a call at (706) 376-6961 to discover how we can assist you in achieving your business goals. Let's work together to make your financial aspirations a reality!

Comprehensive List Of Services

Business Banking Options

For those who are entrepreneurs or business owners, we provide tailored business banking solutions including merchant services and business loans. These tools can help streamline your operations while providing the necessary funding for growth.

Convenient Digital Banking

In today's fast-paced world, having access to your finances at all times is crucial. That's why we offer robust online and mobile banking options. You can manage your accounts, pay bills, and even transfer money between friends with ease using our digital platforms. Need cash? Our ATM services ensure that withdrawals and balance checks are just a touch away.

Credit Cards with Benefits

Don't forget about our credit cards! With rewards programs that suit various spending habits, our credit cards offer more than just purchasing power; they give back to you every time you swipe.

Drive-Thru & ATM Services

For those who prefer face-to-face interactions but value convenience, our drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle. Additionally, we provide basic ATM access for all your withdrawal needs. At North Georgia, we strive to make banking simple and accessible for everyone in Hartwell and beyond. We invite you to explore these services further by visiting us in person or checking out our website at ngcu.org. Let us partner with you on your financial journey reach out today!

Home Financing Made Easy

Thinking about home ownership? We have you covered with our mortgage loans and refinancing services. Our knowledgeable team will guide you through the process, ensuring that you find the right loan for your new home or investment property.

Personal Banking Solutions

Managing your finances should be easy and straightforward. That's why we offer a variety of personal banking services including checking and savings accounts designed to fit your lifestyle. Whether you're saving for a vacation or managing daily expenses, our accounts help you keep track of your money effortlessly. If you're considering purchasing a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms that make it simple for you to drive away in your dream car. Need funding for something else? Our personal loans can help with debt consolidation or unexpected expenses, giving you the financial freedom you need.

Digital & Online Banking

Key Services

Our online banking platform is user-friendly and packed with features designed to simplify your banking experience. For instance, you can sign up for e-statements, which allow you to receive your account statements electronically helping the environment while keeping your documents organized. You can learn more about these services at https://ngcu.org/. Need to send money quickly? Our person-to-person transfer feature makes it easy to send funds to friends or family without the hassle of cash or checks. Plus, our mobile application puts all these features right in your pocket, making it even easier to manage your finances on the go. Just download our app and enjoy full access to your accounts whenever you need it.

Security and Accessibility

Security is a top priority at North Georgia. We use electronic signature authorization for transactions, ensuring that your sensitive information remains protected. With our commitment to safety and ease-of-use, you can feel confident when managing your accounts online. Whether you're checking balances, paying bills, or transferring money, our digital services offer real-time account management tailored to fit your busy lifestyle. Enjoy the convenience of modern banking with the personal touch you've come to expect from North Georgia. We're here to support you every step of the way!

Financial Strength

At North Georgia, 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 are proud to share insights into our financial strength, which underscores our commitment to serving you and your needs. With a net worth of $12,113,836, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,179 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 $18,204,497 in share certificates, 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 $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 supports members' financial goals across various sectors with $67,723 in used auto loans and $80,292,270 in total loans and leases. 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 39 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $3,815,980. Total Share Accounts: 22,352, 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, North Georgia is your trusted partner. Visit us at 249 E Franklin St Hartwell Ga 30643 or call (706) 376-6961 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 $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 financing a new or used vehicle, our team is here to assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $5,353,399. Whether you're a first-time buyer or looking to refinance your existing mortgage, we can guide you through the process with ease.

Refinancing Options

If you're considering refinancing any of your current loans or mortgages, we encourage you to reach out. We can discuss eligibility options and help determine if refinancing makes sense for your financial situation. Our dedicated team is ready to help you find the right loan product tailored specifically for your needs. Feel free to give us a call at 706-376-6961 during our operating hours from Monday to Friday between 9:00 AM and 5:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us online at ngcu.org for more information about our loan offerings and how we can assist you today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although currently there are no outstanding amounts in this category, our commitment remains strong to help members manage their finances effectively when needed. For those seeking additional funding for business purposes, we provide outstanding commercial loans totaling $761,700, giving business owners the capital needed to grow and expand.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh is designed to help you make informed decisions without the confusion often associated with loan shopping. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to quality means users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). By prioritizing verified data, LendMesh guarantees that all loan offers come from legitimate financial institutions, fostering trust among its users. One of the key benefits of using LendMesh is its commitment to neutrality. There are no sponsored listings; lenders are not prioritized based on paid promotions. Instead, the platform's goal is to provide unbiased results, giving users a clear view of their options without any hidden agendas. Additionally, LendMesh provides real-time rate comparisons from multiple institutions, ensuring users have access to up-to-date information that empowers them to make better financial choices. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective LendMesh can be in helping individuals secure favorable loan terms. Ready to take control of your borrowing options? Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

North Georgia