If you need funding for your new year’s goals, a Georgia United personal loan can help. Consolidate high interest debt, renovate your home, finance a special vacation or cover unexpected expenses with a loan tailored to your specific needs.

We offer rates as low as 5.74% APR* with flexible terms and no prepayment fees. Funds are provided upfront in a lump sum, so you have money when you need it.

  Rates as low as 5.74% APR*
  Flexible terms
  Fixed monthly payments
  No origination fees
  No prepayment fees
  Loans range from $500 - $100,000
  Fast approval times







Start the year with a smart plan for celebrating all of life's big moments. Apply anytime from the comfort of your home. Online applications take as little as five minutes to complete. 



We want to reward our teen members, ages 12-17, for their hard work! Now through January 31, submit a copy of your fall report card and earn up to $10 for ‘A’ grades in qualified subjects. Plus, you can earn $10 by logging 10 hours of volunteer work and writing an essay describing your experience. 







Take control of your student loans by refinancing with Georgia United. Now through January 31, when you refinance your private and/or federal student loans, you will enjoy three months of no payments and interest*** and earn $250****. Apply today and save money by refinancing your student loans.






Save the date on Tuesday, January 25, at 12 pm ET, for a live, online "Financial Fitness Bootcamp." Our financial wellness experts are ready to help you take control of your finances and will discuss any topic as it relates to your financial well-being in 2022 and beyond! Learn how to spend smarter and save more. This will be a Q&A session where you are invited to submit questions in advance when you register and we will answer them live. Stay tuned for registration details coming soon.




Georgia United Credit Union and the Georgia United Foundation are dedicated to supporting impactful programs that enrich the lives of others and strengthen our communities. In addition to our corporate initiatives, team members are provided paid Service Days to volunteer at charities that are important to them. Here are a few highlights of how we are serving our community.


Wish Tree 2021


Thanks to your generosity, 1,284 gifts were collected for deserving children and mothers across 10 Georgia counties during the holiday. Since the Georgia United Foundation Wish Tree program began, over 32,000 gifts have been donated to children in need in our local communities. Thank you for helping fulfill a child’s wish.




Enter to win a scholarship through the Georgia United Foundation now through January 31. The scholarship competition is open to high school seniors preparing to attend a college or technical school during the 2022-2023 school year. A total of $30,000 will be awarded across six scholarships.




Team members at our Stockbridge branch served the community by assembling PJ Packs for Children's Healthcare of Atlanta. The PJ Pack program provides an extra set of clothes to patients and families who encounter unexpected or lengthy stays at the hospital. Each PJ Pack has a pajama set, underwear and socks. The packs help families in need at a time when they need it most. 



Our consumer lending team purchased air fryers and cooking sets for young adults transitioning to independent living with the help of Georgia Resilient, Youth-Centered, Stable, and Empowered (RYSE). The program is part of Georgia’s Division of Family and Children Services Independent Living Program (ILP) that helps youth prepare for adulthood. The items were used as prizes for their recipe contest. 




Our board of directors are member-elected volunteers that act as member advocates regarding policies and operations within the credit union. The board of directors are elected during the Annual Shareholders' Meeting. This year there are three board members whose terms are ending who are interested in continuing to serve on Georgia United’s Board of Directors for another three-year term.

  • Tracy Arner is the financial training program manager and senior public service associate for the Carl Vinson Institute of Government at the University of Georgia. She has been a member of Georgia United for several years and joined the board of directors in 2017. Ms. Arner began serving on the Audit Committee in March 2019. In 2020, she was appointed treasurer of the board of directors.

  • Dan Jones is retired from Fulton County Schools where he served as chief financial officer. He previously served as chief financial officer for Forsyth County Schools. Mr. Jones has served on the Audit Committee since 2000 and joined the board of directors in 2015. Mr. Jones was appointed to serve as Audit Committee chair in 2016.

  • Dr. James Williams is the former deputy superintendent of administration for DeKalb County Schools. He has also served as teacher, principal and area director for DeKalb County. Dr. Williams has served on the board of directors since 1997. Dr. Williams was appointed secretary in 2020.

Nominating Procedures:
According to Georgia United bylaws, director nominations may also be made by petition. If you would like a copy of Georgia United’s nominating and petition procedures, please contact Aubrey Whittier.
Save the Date: 
The Annual Shareholders' Meeting is scheduled for Wednesday, April 27, 2022. Due to ongoing developments related to COVID-19, an official announcement will be made in March 2022.



Martin Luther King Jr. Day
Monday, January 17, 2022

Presidents Day
Monday, February 21, 2022

Don't forget you can bank from the comfort of your home with Online Banking or deposit a check***** using Georgia United's Mobile App even when our branches are closed. Visit our website for a full list of holiday closings. 


*APR = Annual Percentage Rate with rates as low as listed rate. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. All loans are subject to pricing adjustments based on the borrower’s credit worthiness. Membership eligibility restrictions and qualifications apply; all loans are subject to credit approval. Not all applicants will qualify.

**Pays for A's: Members can receive $2 for every 'A' grade earned in qualified subjects, up to $10 for each report card submitted, a maximum amount of $20 per academic year. If under the age of 13, submissions must be entered by a parent or guardian. Rewards for the 2021-2022 fall semester will be deposited on or by February 15, 2022.
Pay it Forward: $10 awarded for 10 hours of volunteer service and essay submitted per semester, limit of two semesters. Rewards cannot exceed $20 per academic year. Rewards for the 2021-2022 fall semester will be deposited on or by February 15, 2022. Program requirements must be fulfilled in order for funds to be deposited to member account and Children’s Miracle Network. If under the age of 13, submissions must be entered by a parent or guardian.

***To qualify, the loan application must be started between 11/19/2021 and 2/19/2022 and the selected repayment term must be 10 years or less. Upon disbursement of your refinance loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications.

****To qualify, the loan application must be started between 11/19/2021 and 1/31/2022. Upon approval and disbursement of your refinance loan, the primary borrower will receive a cash deposit of $250. The cash deposit will be awarded in the form of a deposit to your credit union savings account within 90 business days from the funding date of the loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences.

*****Items transmitted using this service are not subject to the funds availability requirements of the Federal Reserve Board Regulation CC. Deposits accepted using this service will be available within two business days. Georgia United may make such funds available sooner.