Peach State Credit Union Athens GA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Peach State, your trusted financial partner located at 155 Hawthorne Park, Athens, GA 30606. Since our establishment in 1961, we have proudly served the community with a commitment to helping our members achieve their financial goals. With a membership base of over 77,948, we understand the unique needs of our community and strive to provide services that truly make a difference. At Peach State, we are proud of our robust financial health, boasting total assets of $1,026,377,700 and total deposits reaching $161,341,323. Our diverse range of offerings includes personal banking solutions like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We also cater to business needs through merchant services and business loans. Our leadership team is dedicated to your success. Under the guidance of CEO R. Marshall Boutwell and Board President David Welden, we foster a culture of care and commitment towards our members. Whether you're looking for assistance with a loan or simply need advice on managing your finances, our friendly staff is here to help. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to the same address: 155 Hawthorne Park, Athens, GA 30606. Join us today and experience the Peach State difference! Call us at 706-543-7450 or explore our website at Peach State FCU for more information about our services. We look forward to serving you!

Branch History & Mission

Commitment to Innovation

As part of our ongoing efforts to serve you better, we've embraced technological advancements that enhance your banking experience. With features like online banking and mobile applications, managing your finances has never been easier. We are also proud to be ADA compliant, ensuring all members can access our services without barriers. While members can visit us at 155 Hawthorne Park, official correspondence should be sent to 155 Hawthorne Park, Athens, GA 30606 if different communication is needed.

Join Us!

We invite you to become part of the Peach State family! Experience the difference of a credit union that truly cares about its members and community. Visit us today or explore more about membership benefits at Peach State FCU. Together, let's build a brighter financial future!

Our Mission

At Peach State, we are more than just a credit union; we are a community-focused organization dedicated to improving the financial lives of our members. Our mission is simple yet powerful: to provide affordable financial solutions that empower individuals and families. We strive to offer personalized service that meets each member's unique needs while promoting financial literacy and responsible banking practices. In addition to traditional banking services like checking and savings accounts, auto loans, mortgages, and personal loans, we also emphasize community support. We believe in giving back through various outreach programs and partnerships that uplift those around us. Whether it's through educational workshops or community events, we aim to make a positive impact beyond just banking.

Branch Location & Accessibility

Accessibility Features

At Peach State, we understand the importance of accessibility. Our branch is designed with features such as ADA compliance and ramps to ensure that everyone can access our services comfortably. We also offer ample parking space so you can easily find a spot without any hassle.

Call to Action

Ready to experience personalized banking at its best? Come visit us at Peach State today or give us a call at 706-543-7450! Our friendly staff is eager to help you with all your financial needs. We look forward to welcoming you into our community!

Operating Hours

We're here for you during the week with lobby hours from Monday to Friday from 9 AM to 5 PM. Need to swing by on a Saturday? Our drive-thru is open from 9 AM until noon, making it simple to get your banking done even on weekends!

Services Offered

Our branch provides a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans, mortgage refinancing, and personal loans, we're equipped to assist you every step of the way. Plus, enjoy the convenience of ATM access right here at our location for quick cash withdrawals and balance checks. For those who prefer drive-thru banking, we've got you covered with basic transaction services available.

Member Eligibility

Joining the Peach State family is more than just opening an account; it's about becoming part of a community that genuinely cares for its members. At Peach State, we welcome individuals who live, work, or worship in Clarke County and its surrounding areas. This means if you're a local resident or involved in the community, you're likely eligible to join us! We believe in providing everyone access to our supportive financial services, which include personal banking, loans, and more tailored just for you. For a detailed look at eligibility criteria, feel free to explore this link. Opening an account with us is simple and straightforward! You can get started by visiting us at our convenient location at 155 Hawthorne Park, Athens, GA 30606, or give us a call at 706-543-7450 for assistance. We're here to make your journey into membership as smooth as possible. Your financial future awaits with Peach State let's take this step together!

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 $107 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $205 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $114,533,910, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services that make managing payments easy. Imagine running your business smoothly while accepting payments through various channels be it in-store, online, or mobile. Our services ensure that you can focus on what matters most: growing your business and serving your customers. Located at 155 Hawthorne Park Athens Ga 30606, Athens, GA 30606, our team is dedicated to finding the right financial solutions for you. For more information or to get started, give us a call at (706) 543-7450. Let's work together to turn your business dreams into reality!

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, our Business Banking services offer essential tools like Merchant Services and Business Loans. We understand the challenges of running a business and are here to support you every step of the way.

Credit Cards and Rewards

Make every purchase count with our Credit Cards with Rewards program. Enjoy cashback or points that can be redeemed for exciting rewards while managing your everyday spending.

Digital Banking Convenience

In today's fast-paced world, convenience is key. With our Online & Mobile Banking, you can manage your accounts anytime, anywhere. From checking balances to transferring money between accounts, everything is just a click away. Plus, our ATM services allow for easy cash withdrawals without hassle.

Drive-Thru and Shared Branch Transactions

Need to make a quick deposit or withdrawal? Our Basic Drive-Thru Banking service ensures speedy transactions without leaving your vehicle. If you're traveling or prefer another branch, take advantage of Basic Shared Branch Transactions available for partner credit union members making access even easier! At Peach State, we believe banking should be simple and accessible for everyone. Explore all these offerings and more by visiting us at our Athens location or online at Peach State. For any inquiries about membership eligibility or how to open an account, feel free to check out Membership Information or contact us directly at 706-543-7450. Join us today and experience the difference!

Personal Banking

Whether you're opening your first checking account or planning for retirement, we have personal banking solutions tailored just for you. Our Checking & Savings Accounts come with flexible options to fit your lifestyle. Need funds for a new car? Our Auto Loans & Vehicle Financing are competitive and straightforward, making it easy to get on the road. If homeownership is in your plans, check out our Mortgage Loans & Refinancing services. We work with you to find the right loan and terms that suit your budget. For those unexpected expenses, our Personal Loans & Debt Consolidation options can provide relief and help you get back on track financially.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our online banking platform, you can view your account balances, make payments, and transfer funds all from the comfort of your device. You'll enjoy 24/7 access to your accounts, allowing you to manage your finances at a time that works for you. Plus, with features like electronic signature authorization, you can sign important documents safely and easily without needing to visit a branch. We also offer e-statements for those who prefer going paperless. This not only helps the environment but makes it easy to keep track of your financial history without clutter. And if you ever need to send money to friends or family, our person-to-person transfer feature allows you to do just that quickly and securely.

Stay Connected with Our Mobile Application

For added convenience, Peach State provides a mobile application that puts banking right at your fingertips. With this app, you can deposit checks, check balances, and even set up alerts for transactions or low balances all while ensuring your information is secure. While we currently do not support mobile payments directly through the app, we're always looking for ways to enhance your experience. Our commitment remains focused on offering user-friendly features that provide real-time account management so you can stay informed about your finances every step of the way. With Peach State, managing your money has never been more accessible or secure. We invite you to explore our digital services today!

Financial Strength

Growing Trust

Total Share and Deposit Accounts stand strong at 169,897, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $21,386,301. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Peach State is your trusted partner. Visit us at 155 Hawthorne Park Athens Ga 30606 or call (706) 543-7450 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $218,036,506 in share certificates and $61,884,517 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.

Operational Efficiency

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 247 full-time employees and 13 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $57,996,038 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 robust as well; with $80,660 in used auto loans and $666,739,532 in total loans and leases, we support your financial goals across various sectors.

Solid Foundation

With a net worth of $86,140,167, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $839 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, with over $166,027,342 in used vehicle loans and $35,769,653 in new vehicle loans already helping members get on the road. We provide flexible terms and refinancing options that can make your monthly payments more manageable.

Business Financing

For business owners looking to expand or invest in new opportunities, our outstanding commercial loans totaling $114,533,910 provide the capital needed to grow your business. We're committed to supporting our local economy by offering financial solutions tailored for entrepreneurs. At Peach State located at 155 Hawthorne Park Athens Ga 30606, we're dedicated to serving our community's financial needs. Feel free to reach out at 706-543-7450 for any inquiries regarding our loan products or eligibility criteria. 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 our loan offerings today and take the first step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $24,946,603, make buying or refinancing simple. We aim to provide a straightforward application process so you can focus on what really matters finding your perfect home.

Personal Loans

For those unexpected expenses or consolidating debt, our personal loan options provide the support you need without the burden of high-interest rates. Whether it's for medical bills or home repairs, our team is ready to assist you in finding the right solution.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $14,280,521 in loans helping members manage their finances effectively. These cards come with competitive interest rates and rewards programs that can benefit your everyday spending.

Loan Aggregator

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PEACH STATE FEDERAL CREDIT UNION - Athens, GA