Peach State Credit Union Young Harris GA | Quick Personal Loans & Checking

Introduction

Welcome to Peach State, your trusted financial partner located right in the heart of Young Harris at 693 Main St, Young Harris, GA 30582. Established in 1961, our credit union has been dedicated to serving our community with reliable banking solutions and a commitment to member satisfaction. With over 77,948 members and total assets of $1,026,377,700, we pride ourselves on providing a wide range of services tailored to meet your financial needs. As a member-owned institution, we focus on putting our community first. From personal banking options like checking and savings accounts to auto loans and mortgages, we aim to help you achieve your financial goals. Our total deposits stand at $161,341,323, showcasing the trust our members have placed in us. Additionally, we offer a variety of loan options with a total of 133,554 loans and leases facilitated. Our leadership team is here to guide you every step of the way. Led by CEO R. Marshall Boutwell and Board President David Welden, our experienced professionals are committed to ensuring you receive the best service possible. With a dedicated staff of 260 employees, we are always ready to assist you whether through online banking or in-person visits. While you can visit us at our main branch for all your banking needs, please note that official correspondence should be sent to the same address: 693 Main St, Young Harris, GA 30582-4119. Ready to take control of your finances? Give us a call at 678-889-4328 or explore more about what we offer on our website Peach State. We're excited to help you on your financial journey!

Branch History & Mission

Welcome to Peach State, where our story began in 1961 right here in Young Harris, GA. Since our doors first opened at 693 Main St, we have been dedicated to serving our community with integrity and care. Over the years, we have grown into a trusted financial partner for nearly 78,000 members, managing total assets of approximately $1.03 billion. Our mission is simple yet profound: to provide exceptional financial services that help individuals and families achieve their dreams while fostering a strong sense of community. We believe that by offering accessible banking solutions, such as personal loans, auto financing, and mortgage options, we empower our members to thrive. Peach State is not just about numbers; it's about people. We actively engage in community outreach and partner with local organizations to support those in need. Our commitment extends beyond transactions; we strive to make a positive impact on the lives of our members and neighbors. In today's fast-paced world, we understand the importance of adapting to new technologies. That's why we offer online banking and mobile applications for your convenience, alongside traditional services like drive-thru banking and ATM access. Whether you prefer face-to-face interactions or digital solutions, we're here for you. If you ever need us for official correspondence, please note that while you can visit us at our branch location, all mail should be sent to 693 Main St, Young Harris, GA 30582-4119. As we look ahead, our vision remains clear: to continue being a beacon of support and service in Young Harris and beyond. Join us today at Peach State and experience firsthand how we can help you reach your financial goals while building a brighter future together. Call us at 678-889-4328 or visit our website for more information on how to become a member!

Branch Location & Accessibility

Convenient Access

At Peach State, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure everyone can visit us comfortably. Plus, if you're on the go, take advantage of our drive-thru banking service for quick transactions without leaving your vehicle.

Operating Hours and Services

We are open Monday through Friday from 9 AM to 5 PM, providing plenty of opportunities for you to come in and explore our range of services. Whether you're looking to open a checking account, apply for an auto loan, or need assistance with online banking, our friendly staff is here to help you every step of the way. In addition to traditional banking services like deposits and withdrawals, we also offer personal loans, credit cards with rewards, and business banking options. With ATM availability right at the branch, you can access your cash anytime you need it.

Stay Connected

While members can visit us at 693 Main St for all their banking needs, official correspondence should be sent to the same address: 693 Main St, Young Harris, GA 30582-4119. If you have any questions or need assistance before your visit, feel free to call us at 678-889-4328. We invite you to experience the Peach State difference! Stop by today or check out our website at Peach State FCU for more information about membership and services. We look forward to welcoming you into our community!

Member Eligibility

Becoming a member of Peach State feels like joining a welcoming family that truly cares about your financial well-being. If you're wondering whether you qualify, it's pretty straightforward! At Peach State, we invite anyone who lives, works, worships, or attends school in our community to join us. This means if you're part of the vibrant Young Harris area, you're eligible! We believe in making banking accessible and beneficial for everyone in our neighborhood. Plus, as a member, you gain access to a variety of services designed to help you thrive financially from personal loans to credit cards with rewards. If you're ready to take the next step and open an account, we make that easy too! Just swing by our branch at 693 Main St Young Harris Ga 30582, or give us a call at (678) 889-4328 for more information. You can also check out our membership details here for any updates or specific questions. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Commercial 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

Imagine running your business smoothly with the right tools at hand. Our merchant services simplify transactions, allowing you to focus on what you do best serving your customers. From point-of-sale solutions to payment processing, we provide everything you need for efficient operations. Located at 693 Main St Young Harris Ga 30582 in Young Harris, GA, we're here to partner with you every step of the way. Let us help turn your business dreams into reality! For more information, call us at (678) 889-4328 or visit our website at https://www.peachstatefcu.org/ .

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options make it easy for you to drive away in the vehicle you desire. With competitive rates and flexible terms, you can find a plan that suits your budget perfectly.

Business Banking Services

For our business members in Young Harris, we provide comprehensive business banking solutions including merchant services and business loans. We understand how vital it is to keep your operations running smoothly, so we're here to support your entrepreneurial journey.

Convenient Banking Features

In addition to traditional banking services, we also offer ATM access for quick cash withdrawals and basic drive-thru banking options for deposits and simple transactions. If you're a member of another partnering credit union, take advantage of shared branch transactions right here at Peach State! If you have any questions about our services or need assistance with anything else, feel free to give us a call at 678-889-4328. Visit us at 693 Main St Young Harris GA 30582 during our lobby hours from Monday to Friday between 9 AM and 5 PM. Join us today at Peach State where we prioritize your financial well-being! For more information on how to become a member or explore all our offerings further, visit our website. Your journey towards better banking starts here!

Credit Cards with Rewards

Why not earn rewards while you spend? Our credit cards come with fantastic benefits that let you earn points on everyday purchases. Whether it's for travel, shopping, or dining out, there's a card that fits your lifestyle.

Mortgage Loans & Refinancing

Homeownership is a dream for many, and at Peach State, we help turn that dream into reality with our mortgage loans. Whether you're purchasing your first home or refinancing an existing mortgage, our team is here to guide you through the process with ease.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, Peach State has you covered. Our personal banking services are designed for everyone students, families, and retirees alike. Imagine effortlessly managing your finances with our user-friendly online and mobile banking platforms. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Need some extra cash for a big purchase or want to consolidate debt? Our personal loans provide a straightforward solution. We offer various loan amounts and terms so you can choose what fits best for your financial situation.

Digital & Online Banking

Key Features

Our online banking platform allows you to access your accounts with just a few clicks. You can check balances, pay bills, and transfer funds without ever needing to visit a branch. Plus, our electronic signature authorization feature means you can sign important documents right from your device no more printing or mailing necessary. If you're looking to go paperless, we offer e-statements so you can view your account statements digitally. This not only helps the environment but also makes it easier to keep track of your finances without clutter. For those who want even more convenience, our mobile application provides all the functionalities of online banking right in your pocket. You can also send money quickly with our person-to-person transfer feature, making it simple to pay back friends or family.

Security and Accessibility

We prioritize your security while ensuring that our services are user-friendly. Our robust security measures protect your information while you manage your accounts online. Whether you're using a computer or a smartphone, accessing your finances has never been safer or easier. With Peach State, you have everything you need for real-time account management at your fingertips. Join us in embracing the future of banking!

Financial Strength

At Peach State, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial strength is robust, providing you with the assurance that your funds are in safe hands. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. 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. 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. 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 impressive as well; with $80,660 in used auto loans and $666,739,532 in total loans and leases, we support our members' financial goals across various sectors. 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. Additionally, net shares amounting to $21,386,301 indicate funds available for lending and investments. The trust of our growing member base is evident with a total of 169,897 share accounts. This shows that more people are choosing Peach State as their financial partner. 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 693 Main St Young Harris Ga 30582 or call (678) 889-4328 to learn more about how we can help you achieve your financial goals.

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 also provide refinancing options to make your auto loan even more manageable.

Business Loans

For business owners, our outstanding commercial loans totaling $114,533,910 provide the capital needed to grow and expand. We understand that running a business requires access to funding that can adapt as your needs change. At Peach State Credit Union, we pride ourselves on providing personalized service tailored to each member's unique situation. If you're ready to explore our loan offerings or want more information about refinancing options and eligibility criteria, please don't hesitate to reach out at 678-889-4328. 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 toward achieving your financial goals today!

Credit Lines and Unsecured Loans

Our total credit lines amount to $143,827,720, giving you flexibility when you need it most. 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 products can be especially useful if you're looking for short-term financing solutions without collateral.

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 have eligibility options available to assist you in securing the right mortgage for your needs.

Loan Aggregator

Ensuring Accurate Loan 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 ensures that the offers presented are fair and transparent. Each lender is thoroughly vetted, allowing users to trust the information they receive.

Key Benefits of Using LendMesh

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Peach State