Peach State Credit Union Augusta GA | Top Checking & Business Loans

Introduction

At Peach State, we believe in the power of community and financial empowerment. Located at 864 Broad St, Augusta, GA 30901, our branch has been serving members since 1961. With a commitment to fostering strong relationships and providing tailored financial solutions, we are proud to support a diverse membership of 77,948 individuals who trust us with their financial needs. Our dedicated team, led by CEO R. Marshall Boutwell and Board President David Welden, is here to help you navigate your financial journey. Whether you're looking for personal banking options like checking accounts or loans, or business services that include merchant services and business loans, we've got you covered. With total assets amounting to an impressive $1,026,377,700 and total deposits reaching $161,341,323, you can feel confident knowing your finances are in good hands. We take pride in our robust offerings which include over 133,554 loans and leases available to our members. Our goal is to provide not just financial products but also peace of mind. With a net worth of $86,140,167 and cash in hand totaling $11,542,115, Peach State stands ready to support your dreams and aspirations. While members can visit us at our Augusta branch for all their banking needs during our lobby hours from 9:00 am to 4:30 pm, we also encourage you to explore more about us on our website at www.peachstatefcu.org. Join us today and become part of a community-focused credit union that puts its members first! For any inquiries or assistance, feel free to call us at 706-826-1101. Together, let's build a brighter financial future!

Branch History & Mission

Community Engagement

Our commitment goes beyond just offering financial products. We actively engage in partnerships and outreach efforts within the community. By participating in local events and supporting various initiatives, we aim to uplift those around us. From sponsoring educational programs to providing financial literacy workshops, Peach State is here not only as your bank but as a pillar of support for your dreams and aspirations.

Looking Ahead

As we embrace digital advancements in banking while ensuring ADA compliance and customer-focused initiatives, we remain dedicated to enhancing the member experience. Although we do not currently offer ATM or drive-thru services at this branch location, our online banking platform allows you to manage your finances conveniently from anywhere. Join us at Peach State today! Experience firsthand how being part of a community-driven credit union can make a difference in your financial journey. Whether you're looking for personal loans or business banking solutions, we're here to help you thrive. For inquiries or assistance, feel free to reach out at 706-826-1101. Together, let's build a brighter financial future!

Our Journey

Peach State started as a small financial cooperative focused on providing accessible banking services to its members. Through hard work and community support, we have evolved into a trusted partner for thousands of individuals and families in Augusta and beyond. Our headquarters are located in Lawrenceville, GA, but our roots run deep in this vibrant city where we strive to make a positive impact every day.

Our Mission

At Peach State, our mission is simple yet profound: to empower our members with reliable financial services while fostering a spirit of community support. We believe that by helping our members achieve their financial goals whether through personal banking options like checking and savings accounts or auto loans and mortgages we contribute to building stronger families and communities. While members can visit us at 864 Broad St for all their banking needs, official correspondence should be sent to our headquarters at Lawrenceville, GA. Our operating hours are Monday through Friday from 9:00 AM to 4:30 PM, making it convenient for you to access our services.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Located near popular landmarks like the Augusta Museum of History and just a short drive from the bustling downtown area, our branch is in a prime spot that's easily accessible. We prioritize making your visit as smooth as possible, offering ample parking right outside our doors and ADA-compliant features for those who need assistance.

Friendly Banking Hours

At Peach State, we understand that life gets busy. That's why we offer convenient lobby hours from Monday to Friday, 9:00 AM to 4:30 PM. This schedule allows you to stop by before or after work or during lunch breaks without any hassle.

Get in Touch

Have questions? Feel free to give us a call at 706-826-1101. We're here to help! Come visit us at Peach State on Broad Street today and discover how we can support your financial journey.

Services Tailored for You

While visiting us at our Augusta branch, you can take advantage of a variety of services tailored just for you whether it's opening checking or savings accounts, securing an auto loan, or discussing mortgage options. Our friendly staff is ready to assist you with personalized service that makes banking feel easy and approachable. Although we don't have ATM services or drive-thru banking available at this location, we encourage you to explore our online and mobile banking options for added convenience.

Member Eligibility

At Peach State, we believe that becoming a member is like joining a caring community where your financial needs are our priority. If you live, work, or worship in the area or have family members who are already members, you're likely eligible to join us! We welcome individuals from all walks of life and strive to provide personalized support for everyone. To learn more about the specific eligibility criteria, feel free to check out our detailed information at https://www.peachstatefcu.org/membership . Joining is easy and can open doors to a variety of financial services tailored just for you, from savings accounts to loans with competitive rates. Ready to take the next step? You can find everything you need about opening an account on our website. If you have any questions or want assistance, don't hesitate to give us a call at (706) 826-1101. We're here for you at our branch located at 864 Broad St Augusta Ga 30901, ready to help you start your journey with us!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

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 for Everyday Operations

In addition to loans, we offer merchant services that simplify payment processing. Imagine a busy Saturday at your local café; with our reliable payment solutions, you can accept payments effortlessly, allowing you to focus on serving customers instead of worrying about transactions. Visit us at 864 Broad St Augusta Ga 30901 in Augusta, GA, or call us at (706) 826-1101 to explore how our business banking and commercial services can help your business thrive!

Comprehensive List Of Services

ATM Services

While we currently do not have ATM availability at this branch location, rest assured that accessing cash when needed remains straightforward through various partnered networks. We invite you to explore all these services and more at Rct Board Of Education! If you have any questions or need assistance, don't hesitate to reach out by calling us at (706) 826-1101 during our operating hours from Monday to Friday between 9:00 AM - 4:30 PM. Join us today at Peach State and discover how we can help make your financial journey smoother!

Auto Loans and Vehicle Financing

If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing can help make your purchase more affordable. We understand that buying a car is a significant investment, and we're here to support you with competitive rates and personalized service. Picture yourself cruising down the road in your dream car, knowing you've secured a great deal with us.

Business Banking Support

For entrepreneurs and business owners, our Business Banking services, including Merchant Services & Business Loans, provide essential tools for growth. We understand the unique challenges businesses face and offer tailored solutions that empower you to thrive in a competitive landscape.

Credit Cards with Rewards

Our Credit Cards with Rewards program allows you to earn while you spend. Use your card for everyday purchases and watch as rewards accumulate perfect for those who love cash back or travel perks! It's not just about spending; it's about making every dollar work harder for you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking services that let you manage your accounts anytime, anywhere. From checking balances to transferring funds, everything is just a click away. Plus, our easy-to-use mobile application ensures that banking is simple whether you're at home or on the go.

Mortgage Loans and Refinancing

Homeownership is within reach with our Mortgage Loans & Refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, we provide guidance every step of the way. Our team will work closely with you to find the right loan that fits your budget and lifestyle, making home sweet home even sweeter.

Personal Banking Solutions

For individuals looking to manage their finances effectively, we offer personal banking options that include Checking & Savings Accounts. Whether you're saving for a rainy day or managing daily expenses, our accounts provide the flexibility and accessibility you need. Imagine having a checking account that helps you keep track of your spending while earning interest on your savings.

Personal Loans and Debt Consolidation

Life can throw unexpected expenses your way, but our Personal Loans & Debt Consolidation services are designed to help you manage those challenges head-on. Whether it's funding a major purchase or consolidating debt into one manageable payment, we offer solutions that suit your needs. Imagine simplifying your finances and focusing on what truly matters.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services available at https://www.peachstatefcu.org/ , you can check balances, pay bills, and transfer funds with just a few clicks. Our user-friendly platform ensures you have real-time access to your financial information, allowing you to make informed decisions whenever necessary.

Go Paperless with E-Statements

Forget about cluttered mailboxes! With e-statements available at Peach State, you can receive your account statements electronically. This not only helps keep your information secure but also contributes to a more environmentally friendly approach to banking.

Mobile Banking Made Easy

For those who prefer using their smartphones, our mobile application makes banking even more convenient. You can easily manage your accounts, make person-to-person transfers, and stay updated on your finances while on the move. Plus, with mobile payments coming soon, making purchases directly from your phone will be even easier. At Peach State, we're committed to providing you with accessible, reliable digital banking solutions that empower you to take control of your finances. Explore all our offerings today and see how we can help simplify your banking experience!

Secure Transactions

We prioritize your security. Our electronic signature authorization feature allows you to complete transactions safely from the comfort of your own home. This means no more waiting in line or worrying about paperwork everything is done securely online.

Financial Strength

A Growing Community

Our commitment to you is evident in our strong community presence. With total share accounts reaching 169,897, it's clear that more individuals trust us with their finances every day. 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 864 Broad St Augusta Ga 30901 or call (706) 826-1101 to learn more about how we can help you achieve your financial goals.

Member Savings Security

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 significant, with $80,660 in used auto loans and $666,739,532 in total loans and leases supporting your financial goals across various sectors.

Solid Financial Health

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. This foundation enables us to support our members effectively through various economic climates. 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. Whether you're interested in a brand-new model or a reliable used vehicle, we have flexible financing options to suit your needs.

Business Financing

For business owners, our outstanding commercial loans totaling $114,533,910 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or operational costs, our tailored solutions can help support your business ambitions.

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 provide personalized service and guidance throughout the process to ensure you feel confident every step of the way.

Refinancing Options

If you're considering refinancing any existing loans, we encourage you to explore our options as well. We can assist you in finding better rates or terms that could lead to significant savings over time. At Peach State in Augusta GA (864 Broad St), we're committed to providing exceptional service and support for all your lending needs. For more information or assistance with applications, don't hesitate to reach out at 706-826-1101 during our lobby hours from Monday to Friday between 9:00 am and 4:30 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. Let us help you navigate your financial journey!

Unsecured Credit Cards

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. Our credit cards come with competitive interest rates and rewards programs that can enhance your spending experience.

Loan Aggregator

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Call to Action

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Ensuring Accurate Loan Comparisons

LendMesh takes pride in its commitment to transparency and reliability. 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 ensures that users receive fair and transparent offers when exploring their loan options.

PEACH STATE FEDERAL CREDIT UNION