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Schedule an Appointment

Make an Appointment Today

Please select the type of appointment you are interested in below. When scheduling an appointment, please do not include personal identifying information such as Social Security number, member number or account number in your request. If you are more than 15 minutes late to your scheduled appointment, we may need to reschedule your appointment.

Please refer to our FAQs for additional information and to learn what documentation you are required to bring to your appointment.


Service an Existing Account

  • Update personal information*
  • Questions about your existing checking or savings account
  • Online Banking assistance
  • Order checks/debit cards
  • Cardholder disputes
  • Apply for a new auto, personal, credit card or other non-real estate related loan*
  • Add a new checking or savings account to an existing membership* 


*Available for in-person appointments only

New Accounts

  • Open a new membership*
  • Get information on what’s needed for a new membership, new savings, checking or business account
  • Apply for a new auto, personal, credit card or other non-real estate related loan*


*Available for in-person appointments only





  • Questions about purchasing a new home or refinancing your mortgage
  • Check mortgage options and current rates
  • Discuss accessing cash from the equity in your home


For questions about your existing mortgage or Home Equity Line of Credit (HELOC), please contact our Mortgage Servicing team.






Frequently Asked Questions

If you need to cancel or reschedule an appointment time, please click the link located below your confirmation number in your confirmation email. If you are more than 15 minutes late to your scheduled appointment, Georgia United may need to cancel your appointment. 


For loan appointments, please bring the below to help us better serve you. You can expect your appointment to last between 30-60 minutes. In advance of your appointment, please unfreeze your credit if you currently have a security freeze on your credit report.

Personal Loans/Credit Cards/Line of Credit

  • Copy of driver license for all borrowers
  • 30 days of current paystubs


  • Copy of driver license for all borrowers
  • 30 days of current paystubs
  • Copy of registration
  • 10 day payoff letter


  • Copy of driver license for all borrowers
  • 30 days of current paystubs
  • Buyers Order or Bill of Sale

For new account appointments, please have the following available. You can expect your appointment to last between 30-60 minutes.

  • Personal information including address, date of birth and Social Security number
  • Valid driver’s license or state issued ID

For mortgage appointments, please bring the below. You can expect your appointment to last 30 minutes.

  • Driver’s License
  • Most recent 30 days paystubs
  • IRS W-2 forms covering the most recent two-year period
  • Most recent 2 years tax returns
  • Most recent 2 months bank statements (all pages even if blank
  • Current official mortgage billing statement for the subject property (if applicable)
  • Homeowner’s Insurance Declaration pages for the subject property (if available)
  • Current mortgage statement(s) for all properties currently owned (if applicable)
  • Current homeowner’s insurance declaration pages for all properties owned (if applicable)
  • Current property tax billing statements for all properties currently owned (if applicable)



A video appointment is a two-way video call that allows you to speak face-to-face with a Home Loan Consultant without having to visit a branch. Just click the schedule button to get started and then choose from the available dates and times presented that best fits your busy schedule. Once your appointment is scheduled, you will receive an email confirming the details. Video banking works on most personal devices, online browsers and operating systems with a camera and internet access. Currently, this feature is only available for mortgage consultations. 

At your scheduled time, click the ‘Web Conference’ details from the email if you are using a desktop, or the ‘Notes’ from the appointment details if you are using a handheld device.  We recommend making sure you have some privacy and do not use public computers for video banking if you can avoid it. 

Budgeting Basics

Successful money management comes from knowing your income and expenses. This means identifying how much money you have coming in and how you’re spending the money you have. Using these two factors, you can prepare for future expenses and determine where you can cut costs to save, invest or get out of debt.

Sources of Income

Income is typically derived from salary or wages, government benefits such as Social Security and investment income, gifts from family members or savings. Earnings frequently change and most people expect their earnings will increase over time the longer they are in the working world, gaining more experience and earning power. It’s important to remember that earnings may be variable which is one of the reasons that budgets are not set in stone.



Just as fast as income arrives, money goes back out to pay for products or services including housing, utilities, phone and internet, transportation—and that’s just basic monthly expenses. There’s also insurance, healthcare and childcare, credit card bills, groceries and clothing, among countless other things that chip away at income.

In addition to the outgoing funds to pay bills, expenses that should also be built into your budget—ideally figured as a percentage of your income—should be money set aside to build a savings account, grow an investment portfolio and plan for retirement.


Know Your Numbers

There are just a few steps involved in understanding your monthly income and expenses:

  • Record your monthly income.
  • List your fixed monthly expenses.
  • Calculate non-monthly fixed expenses or bills that you pay every quarter, six months or annually.
  • Compile a list of your variable monthly expenses.
  • Compare what’s coming in with what’s going out.

The number you arrive at will determine your ability to spend on necessities, as well as on things you would like to have. If you don’t have enough income or if you spend more than you have, your cash flow will be negative, rather than positive.

Turning a negative cash flow into a positive one is the only way to lead a secure financial life and set the stage for a secure financial future. If you see that there’s a shortfall, there are two ways to reverse the situation:

  • You can reduce your spending.
  • You can increase your income.

It would certainly be ideal to increase your income but in reality, it’s a lot easier to reduce your spending to match the income you do have.

Creating a spending budget is a flexible, evolving process. It helps you draw a precise picture of what you have available to spend, compared with what you can afford to spend, along with what you’re actually spending. Having a practical budget helps ensure that your income and expenses exist in a balance that works in your favor.

Income and expenses can exist in harmony but it takes effort and commitment. A budget calculator can help you identify how much you are saving and spending on a monthly or annual basis, or experimenting with a budgeting formula, such as the 50/30/20 formula, may be helpful in creating a budget that works with your lifestyle.

Source: Banzai

Content provided for informational purposes only and should not be interpreted as legal advice on any subject matter.


Friendly personal service. The people get to know you and care. They are very knowledgeable and genuinely want to help.
- Elizabeth R.
Everyone is so nice and makes you feel like you are appreciated.
- Linda C.
It was a very rewarding experience and it feels like a family you just become a part of. I matter and that is big.
- Barbara C.

*APY = Annual Percentage Yield. Fees charged to the account could reduce the earnings on the account. **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 and loan-to-value.