SQUIRREL AWAY EXTRA SAVINGS

With those winter holiday expenses still top of mind, maybe you’re feeling a little squirrely about making investments right now? To help members weather the ups and downs of market conditions, Georgia United is offering a limited time high-yield 30-month Certificate of Deposit (CD) special when you deposit new money from another financial institution. All it takes is a $1,000 minimum deposit to open, and you can earn 4.08% APY* - a guaranteed return that is more than 20x the national savings average**.  

Move money, earn more. 

The benefits of a CD include: 

	Higher payouts than the standard savings accounts
	Predictable rates of return
	No monthly fees
	Guaranteed earnings

Don't wait because this offer won't last long.

We have some special discounts on tax preparation services for members that will help you ace tax season. Members can save up to $15 on TurboTax federal products. Plus, if you start with TurboTax by February 16, you'll automatically be entered for a chance to win $10,000. Meanwhile, new H&R Block clients can save $25 on in-office tax preparation services and returning clients get the Tax Identity Shield® add-on for free ($35 value). Get these offer details, the H&R Block digital coupon and get started with TurboTax today by clicking the button below.

Our mission is to serve, and we don’t do it for the accolades, but it sure feels good for team members to earn national honors for serving members more efficiently. In case you missed the news, our lending team was recently recognized as one of the best and brightest in the industry. Georgia United picked up a Credit Union National Association (CUNA) Lending Council Excellence In Lending Awards for our entry entitled “Incremental Changes Bring Big Results." The awards, presented in November, were judged by a panel of industry professionals and Lending Council Executive Committee members.

WINNING WITH A WINTER WONDERLOAN

Whether you’re dreaming of a winter getaway, planning a major purchase or have your sights set on consolidating holiday debt, a Winter Wonderloan from Georgia United is designed for making lasting memories and dreams come true. With a great low rate and flexible terms, a personal loan can be used for just about anything, and allows members to reach goals without breaking the bank. Loan amounts range from $500 to $100,000 and you decide how to use the money. Be sure to check “My Loan Offers” in your Online Banking & Mobile Banking to see if you are preapproved for a Winter Wonderloan. 

LEARNING CENTER: Q&A WITH TOP HIRING OFFICER

Why is Georgia United not only a great place to bank but also a great place to work? Who better to ask this question, and more, than Georgia United’s top hiring expert, Mindi Greenland, our vice president of people and engagement services? In a recently published Learning Center blog, Greenland answers queries about available positions at Georgia United, our hiring process, work culture, benefits and more. Georgia United’s online Learning Center offers a wealth of resources to help members reach their financial goals and boost their financial literacy. Browse educational articles (like the Q&A with our VP of people and engagement services), along with webinars, financial calculators, news releases and more. 

COMMUNITY IMPACT

Georgia United Credit Union and 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 recent highlights of how we are serving our community.

EARNING FOR LEARNING

Georgia United Foundation is accepting applications for its 29th annual Scholarship Competition through January 31. The competition is open to high school seniors preparing to attend a college or technical school during the 2023-2024 academic year. A total of $25,000 will be awarded across six scholarships. High school students are eligible for the competition if they, their parents, grandparents or legal guardian have been a Georgia United member for at least six months prior to the application submission. The contest encourages college and technical school-bound students to showcase their creativity by submitting a one-minute video explaining how they will utilize their education to benefit the community. Winners will be announced in March.  

JUNIOR ACHIEVEMENT

Georgia United team members recently spent the day volunteering at Junior Achievement’s Atlanta Discovery Center capping off another calendar year of supporting this real-life experiential learning program for middle schoolers. In 2022, Georgia United provided more than 332 volunteer hours to JA, impacting 1,415 students in our communities. But we’re not done, of course, as more volunteer dates are already set for spring 2023 semester. Georgia United Foundation is one of only two Enterprise Sponsors of JA of Georgia, providing financial and volunteer support for JA Discovery Centers in Atlanta, Cumming, Dalton, Gwinnett, Savannah and the upcoming location in Augusta and our President and CEO Debbie Smith is an officer on JA of Georgia’s Board of Directors.  

FOUNDATION AT A GLANCE

It was another successful year of growth, changes and direct community impact as Georgia United Foundation, the philanthropic arm of Georgia United Credit Union, demonstrated the core values and principals of the credit union movement in 2022. Sustained, authentic and consistent philanthropy is what sets Georgia United apart from other financial institutions. Besides the aforementioned scholarships and JA programs, here’s a quick glance at how we enrich lives via member and partner support.

• Since 2014, our School Crashers school improvement program has provided $1.8 million in upgrades to educational facilities, impacting 63 schools and more than 43,600 students in Georgia.
• Our Can Hunger annual food drive has provided more than 386,000 meals to folks experiencing food insecurity in our communities.
• Our Wish Tree initiative (pictured above) has donated more than 32,500 holiday gifts for children in need, including more than 1,700 in the latest campaign.

We are grateful for your support and look forward to another year of fulfilling our mission and purpose. 

BOARD MEMBERS UP FOR RENEWAL 2023

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. 

• Edwin Bell is the Director of Racial Justice, Equity and Inclusion for the National Center for State Courts. Mr. Bell joined the board of directors in 2018 and was appointed to serve as Audit Committee Chair in 2022. Mr. Bell also serves on the Georgia United Foundation board.  
• Tom Dickson is Mayor of Varnell in Whitfield County and is a former teacher, principal and superintendent of Whitfield County Schools. He served previously as Representative of Georgia’s 6th House District. Mr. Dickson has served on the board of directors since 1997. 
• Dr. Cindy Salloum is the Associate Superintendent, Human Resources and Legal Services for the Forsyth County Board of Education, where she supervises the recruitment, employment, induction and retention of the district’s employees as well as serving as the local contact for legal issues. Dr. Salloum joined the board of directors in 2019. 

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 tentatively scheduled for Wednesday, April 26, 2023. More details coming soon with an official announcement in March. 

PRESIDENTS DAY
Monday, February 20, 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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Any product names, logos, brands, and other trademarks or images featured or referred to by Georgia United Credit Union remain the property of their respective trademark holders. The Credit Union’s use of third party trademarks does not indicate any relationship, sponsorship, or endorsement between the Credit Union and the owners of these trademarks. Any reference by the Credit Union to third party trademarks is to identify the corresponding third party goods/services and shall be considered nominative fair use under the trademark law.

*APY = Annual Percentage Yield is fixed for the term of the limited time promotion. The minimum deposit and balance required to earn APY is $1,000.00. The funds used to open the CD cannot currently be in a deposit account with Georgia United. Dividend rate of 4.00% APR compounded daily and credited quarterly. 4.08% APY is accurate as of 11/8/22. At maturity, the CD will renew at a 24 month term at the prevailing rate. Membership and eligibility requirements apply. Membership requires a $5 one-time, nonrefundable membership fee, and a minimum initial deposit of $5. Penalty will be imposed for early withdrawal and fees could reduce the earnings on the account, see terms and conditions.

**The average interest rate on a standard savings account is 0.19% APY and accurate as of 12/15/22, as published by BankRate.com.

***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.