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

Introduction

Welcome to Peach State at our Oconee branch, located at 1260 Mars Hill Rd, Watkinsville, GA 30677. Since our establishment in 1961, we have proudly served our community with a commitment to fostering financial wellness and member satisfaction. With a total membership of 77,948 and assets exceeding $1,026,377,700, we are dedicated to providing personalized banking solutions tailored to your needs. At Peach State, our goal is to empower you through accessible financial services. Whether you're looking for an auto loan among our 133,554 loans and leases or seeking a safe place to save your money with total deposits of $161,341,323, we have options designed just for you. Our net worth stands at an impressive $86,140,167, ensuring that your finances are in stable hands. Led by our CEO R. Marshall Boutwell and Board President David Welden, our team of 260 employees is here to support you every step of the way. We value relationships over transactions and strive to create an environment where members feel at home. While you can visit us at the branch for assistance or inquiries, please note that official correspondence should be sent to our mailing address: 1260 Mars Hill Road, Watkinsville, GA 30677. Explore the array of services we offer from checking accounts and savings options to business loans and credit cards with rewards all available online through our website Peach State FCU. We invite you to contact us at 706-769-2207 or simply drop by during our operating hours from Monday to Friday, 9 AM to 5 PM. Join us as we work together towards achieving your financial goals!

Branch History & Mission

Community Impact

Our impact extends beyond providing financial products. We actively engage in community outreach efforts that promote education and well-being among residents of Watkinsville and surrounding areas. By partnering with local organizations and participating in events, we strive to make a difference in the lives of those we serve. As part of our commitment to convenience, we are equipped with ATM services for easy cash withdrawals and balance checks. While we do not currently offer drive-thru service or shared service centers, our dedicated team is always ready to assist you during lobby hours from Monday to Friday from 9 AM to 5 PM.

Join Us

If you're looking for more than just a bank but a community partner invested in your success, we invite you to join Peach State. Experience firsthand how we can help you navigate your financial journey with care and expertise. Reach out today at 706-769-2207 or explore more about becoming a member on our website: Peach State Federal Credit Union. Together, let's build a brighter future!

Our Mission

At Peach State, our mission is simple yet powerful: to provide exceptional financial services while uplifting our community. We believe in making banking accessible to everyone, which is why we offer a range of products including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. Our commitment goes beyond just numbers; it's about fostering relationships and supporting local initiatives that strengthen our community. We are proud to manage total assets of over $1 billion, demonstrating our stability and reliability as a trusted financial partner. With advancements in technology, we have embraced digital banking options like online banking and mobile apps to ensure our members can access their accounts anytime, anywhere. We also prioritize accessibility with ADA compliance measures in place.

Branch Location & Accessibility

Welcome to Peach State, your local credit union located at 1260 Mars Hill Rd in Watkinsville, GA! Our branch is conveniently situated near popular landmarks, making it easy for you to stop by. Whether you're heading to the nearby Oconee County Library or enjoying a day at the beautiful Harris Shoals Park, we are just a short drive away. At our Oconee branch, we prioritize accessibility for all our members. With ample parking and ADA-compliant features, everyone can visit us comfortably. While you're here, take advantage of our ATM services available on-site for quick cash withdrawals and balance checks. We understand that your time is valuable, which is why we offer welcoming lobby hours from Monday to Friday, 9 AM to 5 PM. If you have any questions or need assistance with your banking needs, don't hesitate to give us a call at 706-769-2207. While members can visit us at 1260 Mars Hill Rd, official correspondence should be sent to the same address. We look forward to serving you and helping you achieve your financial goals! Come visit Peach State today!

Member Eligibility

Becoming a member of Peach State is like joining a warm and welcoming family where your financial well-being is the top priority. If you live, work, or worship in Oconee County, you're already on your way to enjoying the benefits of membership! Plus, if you have a family member who is already part of our community, that's another path to join us. We believe everyone deserves access to personalized financial services and support. For a detailed look at eligibility criteria, feel free to check out our website at https://www.peachstatefcu.org/membership . Opening an account with us is simple and convenient! You can start the process by visiting our website or giving us a call at (706) 769-2207. Our friendly team is ready to assist you every step of the way, ensuring you feel comfortable and informed about all your options. Don't miss out on being part of something special at Peach State, located at 1260 Mars Hill Rd Watkinsville Ga 30677!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial support to turn your vision into reality. 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 merchant services that make transactions smoother for your business. Picture this: a customer walks into your store, swipes their card, and within seconds, the payment is processed seamlessly. This efficiency not only enhances customer satisfaction but also boosts your sales potential. Our tools are tailored to fit businesses of all sizes, ensuring you can focus on what matters most growing your business. Ready to learn more? Visit us at 1260 Mars Hill Rd Watkinsville Ga 30677 in Watkinsville, GA, or call us at (706) 769-2207. Let's take the next step together!

Comprehensive List Of Services

Business Banking Solutions

For our entrepreneurial members, we offer comprehensive Business Banking services including merchant services and business loans. Whether you're just starting out or looking to expand, we're here to support your vision with the financial tools necessary for success.

Convenient Access Anytime

In today's fast-paced world, convenience is key. That's why we provide access to Online & Mobile Banking, allowing you to manage your finances anytime and anywhere. Our ATM & Cash Withdrawal Services ensure that you have easy access to cash when you need it most, along with basic ATM functions like balance checks and withdrawals. Our branch at 1260 Mars Hill Rd Watkinsville Ga 30677 is open Monday through Friday from 9 AM to 5 PM, ready to serve you with friendly assistance. If you have questions or would like more information about any of our services, feel free to call us at 706-769-2207. At Peach State, we're more than just a credit union; we're a partner in your financial journey. Explore all we have to offer today! Visit us online at Peach State FCU or stop by our branch we're excited to help you reach your goals!

Credit Cards That Reward You

Don't forget about our Credit Cards with Rewards, which not only give you the purchasing power you need but also reward you for every dollar spent. Imagine earning points that can be redeemed for travel, merchandise, or cash back simply by using your card for everyday purchases.

Loans Made Simple

If you're thinking about purchasing a vehicle or refinancing your home, our Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing services can help make those dreams a reality. With competitive rates and flexible terms, we aim to ease the burden of financial commitments. Moreover, if you need some extra cash for unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation options provide straightforward solutions without unnecessary stress.

Personal Banking

Starting with personal banking, we offer Checking & Savings Accounts designed to fit various lifestyles and goals. Imagine being able to easily manage your money while earning interest on your savings. Our accounts come with online and mobile banking features that allow you to check balances, transfer funds, and pay bills right from your phone or computer making it easier than ever to stay on top of your finances.

Digital & Online Banking

Key Features

Our 24/7 online banking services let you check balances, transfer funds, and manage your account with just a few clicks. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, with electronic signature authorization, signing documents is no longer a hassle you can do it from the comfort of your home. E-statements are another great way to keep track of your finances. Instead of waiting for paper statements in the mail, you can view them online whenever you want. This not only saves time but also helps reduce clutter.

Mobile Banking Made Easy

For those who prefer managing their finances on the go, our mobile application is here to help. Whether you're checking your balance or making payments, it's all at your fingertips. Although we currently do not offer mobile payments directly through the app, our commitment to providing user-friendly features ensures that your banking experience remains efficient. With all these tools at your disposal, staying on top of your finances has never been easier. Experience the convenience and security of digital banking with Peach State today!

Financial Strength

Committed Workforce

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 and committed team. Our operational efficiency is reflected in our net income of $0, allowing us to focus on enhancing our services rather than profit margins.

Growing Membership Base

Total Share Accounts: 169,897, showing a strong and growing member base that trusts us with their finances. This trust is pivotal for us as we continue striving to meet your needs effectively. 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 1260 Mars Hill Rd Watkinsville Ga 30677 or call 706-769-2207 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.

Member-Centric Resources

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.

Solid Financial 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.

Strong Earnings and Lending Capacity

With $57,996,038 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust with $80,660 in used auto loans and a total of $666,739,532 in loans and leases supporting our members' financial goals across various sectors.

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 financing solutions that fit your budget, making it easier for you to drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $114,533,910 provide the capital needed to grow and expand. We know how important it is for businesses to have access to reliable financing options, and our team is ready to assist you every step of the way.

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 offer competitive rates and flexible terms to ensure that homeownership is within your reach.

Refinancing Options

If you're considering refinancing any existing loans, we offer options that could lower your monthly payments or reduce your interest rate. It's worth exploring if you want to save money over time. At Peach State, our goal is to support you through every financial decision you make. For more information on eligibility requirements or to start your application process today, visit our website at https://www.peachstatefcu.org/ . 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 lending journey!

Unsecured Credit Cards

Managing everyday expenses can be tricky, which is why 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 rewards and benefits that can enhance your purchasing power while keeping your budget intact.

Loan Aggregator

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PEACH STATE FEDERAL CREDIT UNION - Watkinsville, GA