Peach State Credit Union Evans GA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Peach State, your trusted financial partner in Evans, GA. Located at 4339 Washington Rd, we are proud to serve a vibrant community with dedication and care since our establishment in 1961. With a current membership of 77,948 and total assets exceeding $1 billion (specifically, $1,026,377,700), we are committed to providing our members with reliable financial solutions tailored to their needs. At Peach State, we believe in the power of community and the importance of building lasting relationships. Our experienced team, led by CEO R. Marshall Boutwell and Board President David Welden, is here to guide you on your financial journey. We offer a wide range of services including personal banking, auto loans, mortgages, and business banking options ensuring that whether you're buying a home or expanding your business, we've got you covered. While members can visit us at our branch address, official correspondence should be sent to 4339 Washington Road, Evans, GA 30809. With total deposits of $161,341,323 and a robust net worth of $86,140,167, Peach State stands strong in its commitment to your financial health. We invite you to experience our friendly service firsthand. Whether you have questions or need assistance with your accounts, feel free to reach out at 678-889-4328 or explore our website at Peach State FCU. Join us today and discover how we can help you achieve your financial goals!

Branch History & Mission

Community Commitment

Peach State Credit Union also values its role in community outreach. Through partnerships with local organizations and initiatives aimed at improving the lives of Evans residents, we actively participate in creating a brighter future for all. Our shared service center availability ensures that even more people can access essential banking services conveniently. With modern advancements like online banking and mobile applications available for our members' convenience, we ensure that managing your finances is simple and effective. Additionally, our commitment to ADA compliance guarantees that all members can access our services without barriers.

Join Us

As we look toward the future, Peach State remains dedicated to serving our members with integrity and compassion. We invite anyone looking for trustworthy financial guidance or wishing to become part of a supportive community to visit us at our Evans branch or contact us at 678-889-4328. Experience firsthand how Peach State Credit Union can help you reach your financial dreams while being part of something greater. While members can visit us at 4339 Washington Rd, official correspondence should be sent to 4339 Washington Road, Evans, GA 30809. We're here for you every step of the way!

Our Mission

At Peach State Credit Union, our mission goes beyond just providing financial services; we are committed to enhancing the lives of our members and supporting the communities we serve. We believe in the power of cooperation and strive to offer products that help individuals achieve their financial goals. Our services include personal banking options like checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing, as well as credit cards with rewards. For businesses, we offer merchant services and business loans. We understand that financial health is vital for everyone. That's why we focus on delivering personalized solutions that cater to individual needs while promoting financial literacy within our community. Our goal is to empower members through education and assistance so they can make informed decisions about their finances.

Branch Location & Accessibility

Accessibility and Features

At Peach State, we understand that convenience is key. Our branch offers ample parking and features that comply with ADA standards, including ramps and accessible entrances to ensure everyone can visit us comfortably. If you prefer to bank on the go, we have an ATM available for quick cash withdrawals and balance checks right outside our door.

Operating Hours

We know your time is valuable, which is why we offer flexible banking hours tailored to fit your schedule. Visit us Monday, Tuesday, and Thursday from 9 AM to 4:30 PM; Wednesdays from 9 AM to 2 PM; and Fridays from 9 AM to 6 PM. Our friendly staff is here to assist you during these hours with any personal or business banking needs.

Services Offered

At Peach State, we offer a range of services designed with our members in mind. From personal checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need quick assistance? Our drive-thru service allows for easy deposits and withdrawals without leaving your car. For those who are part of our shared service center network, you're welcome to conduct basic transactions at partner credit unions as well. This means even more flexibility when managing your finances! If you have any questions or would like more information about how we can help you achieve your financial goals, don't hesitate to give us a call at 678-889-4328. We look forward to welcoming you at Peach State!

Member Eligibility

At Peach State, we believe that everyone deserves a chance to be part of our welcoming community. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in the areas we serve. Whether you're looking for better banking options or a supportive environment, you'll find it here with us. Our members enjoy access to a variety of financial services tailored to fit their needs, from checking accounts to loans and more. If you're curious about the specific eligibility details, feel free to visit this page for the latest information. We're excited to help you get started on your journey with us! Ready to open an account? It's easier than you might think! You can find all the information you need about setting up your membership by checking out our account opening guide at this link. If you have any questions or need assistance, don't hesitate to reach out at (678) 889-4328. We're here for you!

Business Banking & Commercial Services

At Peach State, we understand the unique challenges that business owners face. Whether you're just starting out or looking to expand, having the right financial partner can make all the difference. 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. In addition to our loan offerings, we provide merchant services designed to help your business thrive. Imagine seamlessly processing payments at your point of sale or managing transactions online without a hitch. Our tools are built to simplify day-to-day operations so you can focus on what really matters growing your business. If you're ready to take your business to the next level, visit us at 4339 Washington Rd Evans Ga 30809 in Evans, GA or give us a call at (678) 889-4328. Let's work together to turn your business dreams into reality!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our extensive network of ATMs makes it simple for you to access your funds quickly. Whether you're making a quick withdrawal or checking your balance, we've made it easy with basic ATM access.

Business Banking Services

For our business members, we offer specialized services including merchant services and business loans that can help your business thrive. We understand that running a business comes with its unique set of challenges, and we're here to support you every step of the way.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking features allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, pay bills, and even send money to friends using our person-to-person payment service.

Credit Cards & Rewards

Who doesn't love rewards? At Peach State, our credit cards come with enticing rewards programs that allow you to earn points on every purchase. This means your everyday spending can lead to exciting perks!

Drive-Thru & Shared Branch Transactions

For those who prefer face-to-face interactions without stepping inside the branch, our basic drive-thru banking provides essential services like deposits and withdrawals. Additionally, if you're a member of a partner credit union, our shared branch transactions allow you to perform deposits and withdrawals at our location too. At Peach State, we strive to make banking as convenient as possible while ensuring that all members have access to quality financial products and personalized service. If you're ready to experience these services first-hand or have questions about how we can assist you further, don't hesitate to reach out! Call us at (678) 889-4328 or visit us at 4339 Washington Rd Evans Ga 30809 in Evans, GA. We look forward to serving you!

Personal Banking Solutions

Our personal banking services are crafted with your everyday needs in mind. From checking and savings accounts that help you manage your daily expenses and savings goals, to auto loans and vehicle financing that make getting behind the wheel easier than ever, we've got you covered. If you're considering buying a home, our mortgage loans and refinancing options can help you secure the best rates possible. Plus, our personal loans and debt consolidation options offer flexibility when you need it most.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://www.peachstatefcu.org/ , allows you to check your account balance, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with 24/7 online banking services, you're never more than a few taps away from your money. Need to send money to a friend or family member? Our person-to-person transfer feature makes it easy and fast. You can send funds directly from your account without the hassle of cash or checks. And if you're ever in need of signing documents quickly, our electronic signature authorization means you can complete important paperwork without needing to visit a branch.

Security and Accessibility

Your security is paramount at Peach State. Our online banking system uses advanced encryption technology to keep your information safe while providing an easy-to-navigate experience. We also offer e-statements so you can go paperless while keeping track of your finances effortlessly. If you prefer banking on the go, our mobile application is available for download. It brings all the power of online banking right to your smartphone, allowing you to check balances, make deposits, and even set up alerts for account activity ensuring that you're always informed about your financial status. In today's fast-paced world, having access to reliable digital banking tools means you have more control over your finances. Experience the ease and security of managing your accounts with us at Peach State!

Financial Strength

Growing Trust Among Members

Total Share and Deposit Accounts stand at 169,897, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $21,386,301, reflecting our commitment to supporting your financial journey. 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 4339 Washington Rd Evans Ga 30809 or call (678) 889-4328 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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 operations reflect sound management with a net income of $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 also robust, with $80,660 in used auto loans and $666,739,532 in total loans and leases supporting members' financial goals across various sectors.

Strong Financial Position

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 make it easy for you to find the right financing solution for your next vehicle purchase. Our team is here to assist you through the process and ensure you get the best deal possible.

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 expenses, we are here to support your business journey.

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. Whether you're purchasing your first home or looking to refinance an existing mortgage, our competitive rates and flexible terms can help you achieve your dream of owning a home.

Refinancing Options

If you're considering refinancing any of your existing loans for better rates or terms, talk to us about eligibility options available at Peach State. We aim to help you save money and improve your overall financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. No matter what type of loan you're interested in, our dedicated team at Peach State is ready to guide you through every step of the process. Feel free to contact us at 678-889-4328 or visit us at 4339 Washington Rd Evans GA 30809 for more information about how we can assist you with your financial needs!

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 benefits that can help you earn rewards while giving you the purchasing power you need.

Loan Aggregator

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PEACH STATE FEDERAL CREDIT UNION - Evans, GA