CASH BACK, NO TRANSFER FEES

Now that the holiday shopping frenzy has settled down are your credit card bills starting to pile up? 

Minimize what you owe by taking advantage of lower rates and fewer fees with Georgia United’s Cash Back Visa Signature® Card – while also earning money back on all purchases. 

New cardholders enjoy a low introductory rate of 1.99% APR* for 12 months, and there is no fee when you transfer a balance from another credit card to the Cash Back Visa Signature® Card. With a balance transfer you could consolidate multiple bills into one easy payment and lower those monthly payments. 

Other convenient features of our Cash Back Visa Signature Card include: 

	Enhanced security - set up alerts to monitor card activity.
	Earn 1.5% cash back** on all purchases, no restrictions.
	Cash back is automatically deposited into your savings account.
	There is no annual fee.*
	Zero liability on fraudulent purchases.
	Exclusive discounts on entertainment, travel and more.

Be sure to check out 'My Loan Offers' in Online Banking to see if you are pre-approved. 

Are you in the market for a new-to-you vehicle? Take the hassle out of car buying by getting pre-approved for an auto loan from Georgia United and then let our concierge service, Auto Assistance, do the rest. They will help you find your vehicle, negotiate a price and get you behind the wheel of your new ride. Auto Assistance will consult with you about your car-buying needs and manage all communications with the dealer. The service is free for credit union members like you. 

The major winter holiday spending spree is over, but do not let your guard down when shopping online for post-holiday deals and upcoming events like Presidents Day sales – or any time of year. Cyber criminals try to exploit your fear of missing out on a fantastic offer. But members can remain diligent by setting account alerts in Online Banking and utilizing tips from Georgia United’s cyber fraud prevention experts detailed in our Learning Center blog about smart online shopping.  

UNLOCK HELOC POWER

Are you contemplating a major purchase or home renovation? The solution to your financial needs may lie within your home’s equity. Georgia United’s Combo Home Equity Line of Credit (HELOC) gives you optimal flexibility, combining the advantages of a line of credit with the safety and assurance of a home equity loan.

Combo HELOC features include:

• The opportunity to borrow as much as 90% of your home equity.
• Access to loans ranging from $10,000 - $500,000.
• The ease of accessing funds through Online Banking.
• Rates are significantly lower than credit cards, providing long-term savings.

With a Georgia United Combo HELOC you can plan and budget with confidence. As you repay the outstanding balance, your available credit line increases, making it ready for use again.

CU ROCK STAR

A former touring musician and current leader of You’re On Mute, Georgia United’s in-house rock band project, Chief Strategy Officer Mike London is literally a credit union rock star. But now it is official: he was named one of Credit Union Magazine’s 2023 Rock Stars for his various non-musical skills and business acumen. The program recognizes credit union professionals who innovate and inspire. Learn about his impressive career and see how he channels his creativity to enhance banking experiences for our members in the video linked below.

TAX SEASON PREP

CHAMPIONING INCLUSION

Under the guidance of our CEO Debbie Smith, Georgia United Credit Union is passionately committed to fostering a people-centric culture, devoted to embracing diversity, equality and inclusivity where all team members, members and partners feel valued and respected. Smith and other members of our team received a 2023 Diversity, Equity & Inclusion Award from the Atlanta Business Chronicle. Georgia United and Smith were honored in the Banking & Financial Services category for “making a significant impact in promoting diversity, equity and inclusion in the workplace,” according to Atlanta Business Chronicle. “This event honors the leaders and organizations who are embracing equity and inclusion across all areas of diversity, including age, disability, gender, sexual orientation, race, religion and more.”

BOARD MEMBERS UP FOR RENEWAL

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, three board members are interested in continuing to serve additional three-year terms:

• Steve Geddes has been with the Department of Audits and Accounts at the State of Georgia for 19 years, currently serving as Director of Data Analytics and Process Improvement. Prior to working with the state, Mr. Geddes worked in telecommunications consulting, logistics and transportation and in manufacturing. He was elected to the Board of Directors in 2020.
• Father Mark Starr is Pastor of Our Lady of LaSalette Catholic Church in Canton. He is fluent in Spanish and specializes in building a presence in Hispanic communities. Prior to being ordained, he obtained his bachelor’s degree in mechanical engineering from Georgia Tech, a Master of Arts in philosophy from Mt. St. Mary’s University and a Master of Divinity from Mt. St. Mary’s Seminary. He was elected to the Board of Directors in 2020 and joined the Audit Committee in 2022.
• Frank Thach was elected to the Board of Directors in 2011. He serves as the board’s vice-chair and chairs the Credit and ALCO committees. Mr. Thach also serves as a trustee for the Employees’ Retirement System of Georgia. He has a Bachelor of Science in industrial management from Georgia Tech and Master of Business Administration from Mercer University.

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 24, 2024. An official announcement will be made in March 2024.

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.

TEEING OFF FOR CHARITY

Georgia United Foundation’s inaugural charity fundraiser event at Topgolf – Buford in October was a tee-rific success raising more than $43,000 for the foundation’s community programs. The sold-out event featured a family-friendly driving range competition, silent auction, food and beverages and lots of fun. In tune with the organization’s mission to serve with the purpose of enriching lives, the event also matched the vibes of Georgia United’s corporate culture that encourages work-life balance. Much gratitude to our event sponsors and attendees.

DOLLARS FOR SCHOLARS

Georgia United Foundation is accepting applications through January for multiple scholarship opportunities for Georgia high school students and educators that are pursuing higher education. In addition, exciting news is coming soon about new scholarships for undergraduates that also promote diversity and honor long-term Georgia United board members.

FULFILLING WISHES

SCHOOL MAKEOVERS

Martin Luther King Jr. Day
Monday, January 15, 2024

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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*Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate. Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers will be a variable rate and may change based on Prime Rate, as of 8/27/23, rates are 15.24% to 22.99% for the Cash Back Visa Signature Card. Qualified rates vary based on credit history and underwriting factors. Not all applicants will qualify. To avoid paying interest on purchases, you must pay the entire balance by the due date, including transferred balances under this promotion. For other fees that may apply, call 888.493.4328 or see our credit card disclosure. 

**Purchases do not include returned items for credit, balance transfers, cash advances and interest. There is no limit to the amount of cash back you can earn, if your account is open and in good standing. Cash back received will be automatically deposited into your Savings (Share) Account each month.  

***Items transmitted using this service are not subject to the funds availability requirements of the Federal Reserve Board Regulation CC. Mobile check deposits are subject to verification and may not be available for immediate withdrawal.

Georgia United Credit Union is located at 6705 Sugarloaf Parkway, Duluth, GA 30097.
© 2024 Georgia United Credit Union

Insured by NCUA