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.
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
Refinance
Purchase
For new account appointments, please have the following available. You can expect your appointment to last between 30-60 minutes.
For mortgage appointments, please bring the below. You can expect your appointment to last 30 minutes.
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.
When you refinance a loan, you’re essentially taking out a new loan to pay off the other one, with terms that are better for your financial situation.
While mortgage loans may be most commonly refinanced, you can find refinancing options for auto, personal and student loans, which have started accruing interest again as of Sept. 1, 2023. Roughly 44 million Americans must start repaying student debt in October 2023 after a three-and-a-half-year pause, creating possible stress on many households' finances. Refinancing might be a smart option if you took out a private student loan and did not meet the requirements for federal student loan forgiveness.
Not all lenders will refinance your loan, though. Just as you had to convince a lender that you were a good fit for your original loan, you’ll need to do the same when you refinance. Lenders will consider your income, credit history and credit score.
The benefits of refinancing could include lowering your interest rate or monthly payment or changing the length or type of your loan. The financial calculators below can help you estimate how much you may save based on these variables.
Keep in mind that lowering your monthly payment may require extending your loan, which could mean that you pay more overall. Likewise, shortening your term can make it harder to afford your payments if your financial situation changes unexpectedly. If you refinance federal student loans, you could lose access to debt forgiveness or government relief programs. Be sure to verify if there are any prepayment penalties on the previous loan.
The best time to refinance depends on multiple factors. If interest rates have dropped since you took out the loan or if your credit score has improved significantly, it may be worth trying to lower your interest rate with a refinanced loan. If you’re struggling to make your monthly payments, lowering your payments with a longer term, even if it means paying more overall, can help take some of the strain off your budget.
Each situation is different but taking all these factors into consideration will help you decide if refinancing makes sense for you.
Georgia United offers refinancing options for home loans, new and pre-owned vehicle loans and student loans. And Georgia United Visa® Credit Card account holders can transfer credit card balances without incurring a balance transfer fee.
You can apply for loan refinancing or a credit card from the comfort of your home on our website, by calling our Member Care Center or visiting a local branch. We look forward to helping you achieve your financial goals.
Source: Banzai
Content provided for informational purposes only and should not be interpreted as legal advice on any subject matter.
*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.