Georgia United Credit Union

Benefits

Looking for a better banking experience?

Georgia United Credit Union is a not-for-profit and focuses on serving their members rather than maximizing corporate profits. We offer the same services as big banks, but as a member-owned institution, our top priority is to provide members with a safe place to save and borrow money.We have services designed for every stage of your life, whether you are saving for the future, need a loan to help you accomplish your goals, or want the latest technology to automate your finances.

Not Just In Georgia – Nationwide


The Shared Branching nationwide network of credit unions allows members of Georgia United to conduct their business at over 5,000 participating credit unions and at no additional cost. When visiting a shared branch, you will need to provide photo ID and your member number. Use the Georgia United App to find Shared Branching locations and surcharge free ATMs or visit gucu.org/locations.

Account Access at your Fingertips - Online and Mobile Banking Options

  • View account balances, your account history and access your E-Statements
  • Mobile check deposit with Swift Deposit
  • Make a loan payment
  • Transfer funds from internal and external accounts
  • Locate your nearest branch, ATMs and Shared Branching locations
  • Check our current rates

Competitive Products and Services

Vehicle Loans

  • Competitive low rates with fl exible terms and up to 100% fi nancing
  • Same rates on new or pre-owned vehicles, regardless of mileage
  • No application fees or prepayment penalties
  • Pre-approvals available
  • Extended Warranty and Guaranteed Asset Protection (GAP) available on all makes and models

Personal Loans

  • Share and Certifi cate Secured Loans - borrow money by using your cash as collatera
  • Personal Lines of Credit with fl exible credit limits and terms
  • Personal Loans with mininums as low as $500

Home Loans

  • Fixed-Rate First and Second Mortgage loans with refi nancing options
  • First-Time Homebuyer Product
  • Home Equity Lines of Credit
  • Low closing costs
  • Pre-qualifi cations available

Savings, Checking and Investments

  • Overdraft Protection and Courtesy Pay options
  • Free identity theft protection
  • Retirement and Investment options including: Traditional, Roth and Coverdell (Education) IRA’s
  • IRA Certifi cates, Certifi cate of Deposits, Sterling Money Market and IRA Share Savings Accounts
  • Member exclusive fi nancial services representatives available for individual consultation

Credit  Cards

  • VISA® Platinum – Low introductory rates with balance transfer options
  • VISA Cash Back - Earn 1.5% cash back on net purchases, enjoy VISA Signature benefi ts, low introductory rates and balance transfer options
  • Share Secured VISA Card with limits up to $5,000 to help you start or rebuild your credit

Things That You Can Do To Improve Your Credit

  1. Get a copy of your credit report and check it for errors or negative information.
  2. Dispute incorrect information, such as unauthorized accounts, and pay off all collections.
  3. Pay all accounts on time.
  4. Pay down credit card balances.
  5. Apply for a Share Secured Loan or a Secured Visa.

If Identity Theft or Fraud happens to you

 Step 1:  Notify law enforcement

Step 2:  Make an online report with the Federal Trade Commission at www.consumer.gov/idtheft

Step 3:  Contact one credit bureau (Experian Fraud Assistance: P.O. Box 1017, Allen, TX  75013, 800 301 7195)

Step 4:  Contact sources /lenders reporting fraudulent information

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