BEST OF BOTH WORLDS

Why choose between a home equity loan and a home equity line of credit (HELOC) when you can have the best of both? As members, you can leverage the equity built up in your home to finance major purchases, pay for home renovations, consolidate debt and reach your financial goals with Georgia United’s brand-new Combo HELOC. 

It is designed to give you options and save you money in the long term. Our Combo HELOC can be used as a variable rate line of credit or you can lock in a portion with a fixed rate and fixed monthly payments. Choose the option that is right for you and decide how you want to use the funds.

The benefits of a Combo HELOC include: 

	Interest rates that are typically lower than a credit card or personal loan.
	A variety of loan amounts available, from $10,000 to $500,000.
	Ability to lock in a low, fixed rate.
	Easy access through Online Banking.
	Open-ended revolving line of credit that can be used for whatever you need.
	More flexibility in term lengths.

Looking for a deal on internet and mobile services? As a Georgia United member, you are eligible for special savings on your internet and mobile service when you switch to Spectrum Mobile. Plus, members can get an exclusive $50 cash reward from Love My Credit Union Rewards for each new mobile line you activate with Spectrum Mobile. You can save big when you switch.

Sending an undergrad off for their first year in college is an emotional experience, even without worrying about filling the educational funding gap. Georgia United can ease the worry and help you pay for higher education costs with stress-free student loans. Available for most four-year public and private universities and colleges, find a flexible lending option that fits your household’s financial goals.

GEORGIA'S BEST

A ringing endorsement of Georgia United’s commitment to member service and our communities, we were recently named 2022 Credit Union of the Year in Georgia by the League of Southeastern Credit Unions & Affiliates (LSCU), awarded at the Southeast Credit Union and Expo held June 14-16, in Orlando. Georgia United earned this award in the contest’s largest asset category - credit unions with more than $500 million in assets - beating out the best of the best. It is the second time Georgia United has captured this honor, previously selected as LSCU’s 2019 Credit Union of the Year in Georgia. 

SHARED STRENGTH

We recently welcomed North Main Credit Union to the Georgia United family. In late June, members of the Cornelia-based credit union approved the merger by a majority vote. It became official July 1, and we are moving forward together as one legal entity, operating under the name of Georgia United Credit Union. The merger adds a new branch in Cornelia to Georgia United's network and on October 1 expands our field of membership to Habersham and Banks counties. 

YEAR IN REVIEW

Last year's Annual Report recently won a 2023 Credit Union National Association Diamond Award, and shortly thereafter, we released the latest version highlighting the organization's 12 months of achievements, milestones and dedication to enhancing the member experience. The 2022 Annual Report includes Georgia United’s financial performance, President’s Report, easy-to-digest community statistics, Director’s Report, and colorful, vivid photography with eye-pleasing graphics.  We are proud to be your financial partner. 

SKIP-A-PAY

BOARD UPDATE

Three members of Georgia United’s volunteer Board of Directors were re-elected at the Annual Shareholders Meeting. Chairman Tom Dickson, Director Dr. Cindy Salloum and Audit Committee Chair Edwin Bell are serving new three-year terms. Our Board of Directors serve as member advocates and work closely with the credit union’s leadership team to set policy, monitor risk and guide the execution of the organization’s strategic plan. We are grateful for their service, guidance and commitment to improving the member experience.

COMMUNITY IMPACT

Here are a few recent highlights of how Georgia United is serving our community, including initiatives managed by our philanthropic arm, Georgia United Foundation.

DAY OF GIVING

Thank you for supporting Georgia United Foundation’s second annual Day of Giving on June 13. Through your generous donations, we can make meaningful impacts in the communities we serve. Our Day of Giving campaign had a goal of raising $7,500 and we doubled it by receiving $15,293 in donations to support the foundation’s primary programs. June 13 is a significant date because it is the anniversary of Georgia United Foundation being chartered as a 501 (c)(3) public charity. Although this year’s Day of Giving has closed, donations to the foundation can be made at any time. 

CRASHING BY DESIGN

School Crashers is celebrating its 10th anniversary, a decade of difference making that has impacted 43,000-plus children across 63 schools with more than $1.8 million in facility upgrades. Volunteer work on this year’s seven School Crashers projects began in late May with each makeover slated for completion before schools are back in session this fall. 

GIVE. SAVE. SPEND.

Labor Day
Monday, September 4, 2023

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. 

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*All Skip-A-Pay requests are subject to Georgia United approval. Interest and finance charges will continue to accrue. Deferring your payment will extend the term of your loan(s), and at the end of the loan(s), a higher total finance charge will be paid than if payments had been made as originally scheduled. Your payment(s) will resume the following month. To be eligible, your account must be in good standing with a $5 minimum balance, no active bankruptcies, and have no charged off accounts. Offer valid for the following consumer loan products: personal loans and collateralized loans (excluding CURE and Indirect Auto Loans) that are current with no delinquency greater than 30 days in the last six months, open for more than 90 days and have three months of payment history. You may complete two skips per calendar year. This offer may be used for one of the following options: one monthly loan payment, two consecutive bi-weekly payments or four consecutive weekly loan payments. If there is GAP coverage on this loan and the vehicle becomes totaled, this skipped payment may not be covered under the GAP policy. It is your responsibility to cancel any scheduled payments from other financial institutions. 

**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 days. Georgia United may make such funds available sooner.