North Georgia Credit Union Toccoa GA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to North Georgia at our Toccoa branch, located at 1067 Mize Rd, Toccoa, GA 30577. Since opening our doors in 1991, we have been proud to serve a growing community of over 12,000 members. Our commitment is to provide you with reliable financial services tailored to your needs. At North Georgia, we believe in making banking accessible and personal. With total assets of $102,771,616 and deposits reaching $2,675,216, we are financially strong and ready to support you on your financial journey. Whether you're looking for an auto loan or need assistance with savings accounts, our dedicated team of 40 employees, led by CEO Brian Akin and Board President James Norris, is here to help. We understand that every member has unique goals. That's why we offer a range of services including personal banking, business loans, and online banking options to fit your lifestyle. Plus, with total loans exceeding 93,957, we have the experience necessary to guide you through any financial challenge. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: P.O. Box 280, Toccoa, GA 30577. Feel free to call us at 706-886-1441 or visit our website at ngcu.org for more information about how we can assist you today! Your financial future starts here at North Georgia Credit Union.

Branch History & Mission

Commitment to Innovation

As technology evolves, so do we. North Georgia has embraced digital advancements such as online banking and mobile applications to ensure our members can manage their finances conveniently. Whether you prefer visiting us in person or accessing your accounts digitally, we aim to provide an inclusive experience tailored to your needs. We also prioritize accessibility by ensuring ADA compliance across all our services and facilities. Our drive-thru service and ATM availability make banking easy for everyone whether you need quick transactions or more personalized assistance during lobby hours from Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM.

Join Us Today

As we look toward the future, North Georgia remains committed to upholding the values that have guided us since day one: integrity, service, and community support. If you're seeking a credit union that truly cares about its members and their financial well-being, consider becoming part of the North Georgia family today. Visit us at 1067 Mize Rd Toccoa Ga 30577, or reach out at (706) 886-1441 for any questions or information on how you can join us! While members can visit us at 1067 Mize Rd Toccoa Ga 30577, official correspondence should be sent to P.O. Box 280, Toccoa, GA 30577. We look forward to welcoming you into our community!

Our Mission

At North Georgia, our mission goes beyond just offering banking services; we aim to empower our members to achieve their financial dreams. We provide a variety of services including personal banking, auto loans, mortgage options, and business banking solutions. We believe that everyone deserves access to quality financial resources that can help them build a brighter future. We understand that community support is vital. That's why we engage in various outreach efforts to assist local organizations and initiatives. By partnering with schools and nonprofits in Toccoa and surrounding areas, we strive to uplift those around us. We are not just a credit union; we are your neighbors invested in your success.

Branch Location & Accessibility

Accessibility Features

At North Georgia, we prioritize accessibility for all our members. Our branch is fully ADA compliant, featuring ramps and spacious entrances to ensure everyone can access our services comfortably. Parking is ample and easily accessible, allowing you to park close to the entrance.

Call-to-Action

We invite you to stop by North Georgia today! Whether you have questions about your account or want to explore new financial opportunities, we're here to assist you every step of the way. Feel free to give us a call at 706-886-1441 if you have any questions before visiting. We look forward to welcoming you into our community!

Nearby Landmarks

Our branch is conveniently located near popular spots such as the Toccoa Falls and the beautiful Lake Hartwell. These landmarks make it easy for you to combine your banking errands with a little leisure time!

Operating Hours

We're here for you during the week! Visit us Monday through Friday from 8:30 AM to 5:00 PM, and don't forget about our Saturday hours from 9:00 AM to 12:00 PM. Whether you need assistance with checking accounts, auto loans, or mortgage inquiries, our friendly staff is ready to help.

Services Offered

Our branch offers a variety of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone! Need cash? Enjoy easy access with our ATM on-site and take advantage of our drive-thru service for quick deposits and withdrawals.

Member Eligibility

At North Georgia, we believe that everyone deserves a chance to be part of a supportive community where their financial needs are met with care and understanding. Becoming a member is simple and welcoming! If you live, work, or worship in the areas we serve, you're likely eligible to join us. We also consider family members of existing members, making it even easier for you to connect with our credit union family. By joining North Georgia, you gain access to a range of benefits designed to help you achieve your financial goals, from personalized service to competitive rates on loans and savings. To learn more about eligibility requirements, feel free to visit our detailed guide at https://ngcu.org/forms_app/disclose1d.html . When you're ready to take the next step towards membership, opening an account is just a click away at https://online.ngcu.org/auth/enrollment?culturename=en . If you have any questions or need assistance, don't hesitate to give us a call at (706) 886-1441. We're here to help!

Business Banking & Commercial Services

Loan Options That Drive 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 Tailored for You

In addition to loans, we offer comprehensive merchant services that simplify daily operations. Imagine processing payments quickly and securely at your retail location or online store giving you more time to focus on what you love: growing your business. Our solutions are crafted to meet the unique needs of each business owner, ensuring you have the tools necessary to thrive. Visit us at 1067 Mize Rd Toccoa Ga 30577 or call us at (706) 886-1441 to learn how we can support your journey. Together, let's turn your business dreams into reality!

Comprehensive List Of Services

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your finances from anywhere at any time. You can check balances, transfer funds, and pay bills with just a few clicks or taps. Plus, our ATM services enable cash withdrawals and balance checks without stepping foot inside the branch.

In-Person Services

While digital banking offers great flexibility, sometimes you need personal assistance. Our basic drive-thru banking service allows you to complete deposits, withdrawals, and simple transactions without leaving your car. Whether it's during busy weekdays or Saturday mornings (when we're open from 9:00 AM to 12:00 PM), we're here for your banking needs. At North Georgia, we pride ourselves on being more than just a financial institution; we are part of the community in Toccoa. We're here to help you navigate your financial journey with confidence. For more information about our services or how to become a member, visit us online at Toccoa - Corporate Office or give us a call at (706) 886-1441. We look forward to serving you!

Loans and Credit Options

Life can be unpredictable, and having access to personal loans for debt consolidation or unexpected expenses can relieve stress. At North Georgia, we also offer credit cards with rewards, allowing you to earn as you spend on everyday purchases. For those running a business, our business banking services include merchant services and business loans tailored to help your venture thrive.

Personal Banking

We understand that managing your money effectively is crucial. That's why we offer various personal banking options including checking and savings accounts designed to help you grow your savings while providing easy access to your funds. If you're considering purchasing a vehicle, our auto loans and vehicle financing can make that dream a reality. We also provide mortgage loans and refinancing options, helping you find the right fit for your homeownership goals.

Digital & Online Banking

Key Services

Our online banking platform provides you with real-time account management. You can check balances, make transfers, and pay bills anytime you need to. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, if you prefer going paperless, our e-statements are available, allowing you to stay organized while keeping your information secure. Security is a top priority for us. We use electronic signature authorization for transactions, so you can rest assured that your sensitive information is well-protected. This means you can sign documents digitally without having to visit a branch, saving you time and hassle.

Mobile Application

On top of our robust online banking options, we also offer a user-friendly mobile application. With it, you can manage your accounts right from your smartphone. Whether you're making payments or checking your balance, everything is just a tap away. While mobile payments aren't currently offered at North Georgia, our app still provides an excellent experience for managing your financial needs. You can stay connected with your accounts wherever you are. In summary, at North Georgia, we're committed to providing convenient and secure digital banking solutions that cater to your needs. With our extensive online services and mobile application, managing your money has never been easier! Explore all that we have to offer by visiting us online today at https://ngcu.org/ .

Financial Strength

Dedicated Team

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. Together, we strive to make your banking experience as smooth as possible.

Lending Capacity

With $67,723 in used auto loans and $80,292,270 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is evident in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member Savings and Earnings

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. In addition, our commitment to you is reflected in our $11,703,444 in undivided earnings which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures.

Member Trust

Total Share and Deposit Accounts: 22,352, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $3,815,980. 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 1067 Mize Rd Toccoa Ga 30577 or call (706) 886-1441 to learn more about how we can help you achieve your financial goals.

Strong Financial Health

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already provided $18,889,964 in used vehicle loans and $4,095,749 in new vehicle loans, helping members get on the road with ease. Whether you're looking for financing for a reliable used car or a brand-new model, our auto loans are tailored to suit your needs.

Credit Lines and Unsecured Loans

For those looking for additional financial flexibility, we have total credit lines amounting to $11,000,000, providing you with the ability to manage unexpected expenses effectively. Plus, we also offer flexible terms on unsecured credit card loans; however, currently there are no outstanding amounts in this category. Our team is dedicated to helping you find the right loan product that meets your needs. If you're interested in exploring eligibility options or have questions about refinancing opportunities, don't hesitate to reach out. For more information on our loan products or assistance with your application process, feel free to contact us at 706-886-1441 or visit us at our branch located at 1067 Mize Rd Toccoa GA 30577. 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 help you take the next step towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $5,353,399. With various refinancing options available, now is a great time to explore how we can assist you in achieving your dream of owning a home.

Loan Aggregator

Benefits of Using LendMesh

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Call to Action

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.*

How LendMesh Ensures Accurate 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 approach ensures that you receive fair and transparent offers without hidden fees or confusing terms.

NORTH GEORGIA CREDIT UNION