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Please select the service 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

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

 

 

 

 

Apply Now

Mortgages

  • 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.

 

 

 

 

Apply Now

 

Frequently Asked Questions

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

Refinance

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

Purchase

  • 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)

 

 

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. 


 

Yes. You will receive an email and text message reminder 24 hours before your scheduled appointment.

Transitioning to Retirement

Retirement Factors to Consider

If you have a pension or a retirement savings plan where you work and income from that source is a mainstay of your budget, the ideal solution is to have your first retirement payment arrive the month after you receive your last paycheck.

On the other hand, if you do not need the money right away, then your goal is to determine the best way to continue to take advantage of the potential for tax-deferred growth. Most plans offer a number of alternatives and it’s smart to investigate your options.

The Critical Factors

Factors that you should consider when thinking about retirement include your age and health, what you want to provide for your family and other sources of income. A retirement calculator could be helpful to estimate how much you should be saving in order to enjoy the standard of living you want when you retire.

Pension Plans

When you retire from an organization that provides a traditional pension, you generally have two income choices - a pension annuity or a lump sum distribution.

With an annuity, you receive income each month for the rest of your life or your life and the life of another person, usually but not necessarily your spouse. At the time you retire, your employer calculates the amount you’ll receive based on a number of factors including your age, your final salary, and the number of years you’ve worked for the organization. Income taxes are withheld from each check.

If you choose a lump sum, your employer calculates the amount you’ll receive and transfers the money to an account you designate. If it’s a cash account, income taxes are withheld, whether or not you plan to move the money into an IRA. If you roll over the amount directly to a tax-deferred IRA, income taxes are not due until you withdraw from that account.

Defined Contribution Plans

If you’re part of a defined contribution plan, such as a 401(k), 403(b), 457 or thrift savings plan (TSP), you have several choices for handling your plan assets. They include the following:

  • Leaving your money in the plan, where you may be able to convert it to a pension annuity or take systematic withdrawals.
  • Rolling over to an IRA.
  • Taking a lump sum.

Unlike a defined benefit pension, which pays your retirement income out of your employer’s pension fund, retirement income from a defined contribution plan comes from assets held in your name. What you receive depends on how much was invested, how long it was invested and how the investments performed. Generally, the assets that have accumulated are sold at the time you choose an income option and the value becomes the principal that is used to purchase an annuity contract, transferred to an IRA or paid out as a lump sum.

A Timing Issue

Before you can begin taking income or roll over your assets, your account has to be valued to determine what it is worth. Every plan values accounts on a regular schedule but no plan does a separate valuation for account holders who want to move their money or begin distributions. In addition, a 401(k) or similar plan has the right to hold your money for up to 60 days after valuation. Not every plan does but this could be the case.

Seeking Advice

You’re likely to be more confident about making pension decisions if you work with an experienced professional who can answer your questions and help you analyze different routes to your goals. Since many of these choices are irrevocable, you’ll want to weigh the alternatives carefully.

Your employer may have specialists on staff who know the ins and outs of your plan and how other employees have handled the decisions you’re facing. You might ask your other professional advisers for a referral. But don’t feel you have to rush into working with someone. You’ll want to check their professional credentials and resolve to your own satisfaction that the advice you’re being given is both knowledgeable and impartial.

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.