Credit Union of Georgia

What Credit Union of Georgia does

Credit Union of Georgia is a state-chartered, member-owned financial cooperative founded in 1960, headquartered in Woodstock, Georgia, and operating across 13 Northwest Georgia counties (Cobb, Bartow, Cherokee, Dawson, Douglas, Fannin, Forsyth, Fulton, Gilmer, Lumpkin, Paulding, Pickens, Union). Membership is restricted to individuals who live, work, worship, or attend school in eligible counties and to employees of partner school districts, generating a defined geographic field of membership. The institution operates six physical branches (Kennesaw as administrative HQ, plus Canton, Marietta, Towne Lake, Hickory Flat, and West Cobb) with 51-100 employees and a wholly aligned nonprofit affiliate, the Credit Union of Georgia Community Foundation.

The product set is comprehensive for a community credit union, spanning consumer deposit products (multiple checking tiers, savings, CDs at 3.20%-3.75% APY, IRAs, HSAs), consumer lending (auto loans from 3.49% APR, personal loans from 9.99% APR, HELOCs, mortgages including FHA/VA/USDA, credit cards with uChoose Rewards, RV and construction loans), and small-business banking (checking, savings, credit cards, lines of credit, commercial real estate, secured term loans). Lending is supplemented by student loan origination via Sallie Mae referral partnership and debt counseling via GreenPath. Mortgages are enhanced by FHLBank Atlanta-funded First-Time Homebuyer (up to $17,500) and Community Partners (up to $20,000) assistance products.

The technology backbone comprises a Fiserv-powered digital banking platform and Card Central mobile application (iOS and Android), supported by Zelle P2P, Apple/Google/Samsung Pay wallets, Smart ATMs, and access to CO-OP Shared Branching (5,600+ branches, 30,000+ fee-free ATMs). A core banking system migration completed in July 2025 improved processing speed and digital integration reliability. Revenue is generated through net interest spread on deposit-funded lending, transactional fees (wire, Courtesy Pay at $33 per item, Skip-a-Pay at $35, ATM), interchange on card transactions, and member product fees. Deposit accounts are federally insured by NCUSIF up to $250,000, and the credit union is registered with NMLS (ID 571306) and designated an Equal Housing Lender.

Name

Credit Union of Georgia

Legal name

Credit Union of Georgia

Website

https://cuofga.org

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

51–100 employees

Short description

Credit Union of Georgia is a member-owned, state-chartered credit cooperative founded in 1960, serving 13 Northwest Georgia counties with consumer and small-business banking, lending, mortgages, and digital and branch services across six locations.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union)

NAICS

Credit Unions (522130), Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Retail banking services
• Consumer lending
• Credit union services
• Mortgage lending
• Business banking

Headquarters

HQ city

Woodstock

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income from Lending: The primary revenue stream is interest income from various loan products including auto loans, mortgages, personal loans, home equity lines, business loans, and credit cards. Rates vary by product with auto loans as low as 3.49% APR and personal loans starting at 9.99% APR.
2. Fee Income: Various fee-based services including wire transfer fees ($20 domestic, $50 international), courtesy pay/overdraft fees ($33-$35 per item), skip-a-pay fees ($35), and business banking fees. Also includes ATM fees for out-of-network transactions.
3. Deposit Interest Spread: Earns revenue from the spread between interest paid on deposits (savings, checking, CDs) and interest earned on loans. CD rates range from 3.20% to 3.75% APY.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Credit Union of Georgia is a state-chartered, member-owned financial cooperative offering consumer and business financial services. Core products include checking and savings accounts, certificates of deposit, IRAs, home loans (conventional, FHA, VA, USDA, HELOC), auto loans, personal loans, credit cards, recreational vehicle loans, construction loans, student loans, and small-business banking (checking, savings, credit cards, lines of credit, commercial real estate loans). Services are delivered through seven Northwest Georgia branches, an online banking platform, a Fiserv-powered mobile app, the CO-OP Shared Branching network, and Smart ATMs.

Product overview

Credit Union of Georgia is a state-chartered credit union serving Northwest Georgia since 1960, offering a comprehensive suite of financial products through both digital and physical channels. The core banking platform provides personal checking accounts (CU Rewards + Interest Checking, CU Rewards Checking, CU Basic Checking, CU Simply Checking) and savings products including Youth High Interest Savings, Cuga Kid's Club, and retirement accounts. Lending products span home mortgages (conventional, FHA, VA, USDA, ARM), Home Equity Lines of Credit, auto loans (as low as 3.49% APR), personal loans, True Line of Credit, credit cards with uChoose Rewards, student loans via Sallie Mae partnership, and business banking (checking, savings, credit cards, commercial real estate, and lines of credit). Supplementary products include GAP coverage, Route 66 auto warranties, CreditShield debt protection, Health Savings Accounts, safe deposit boxes, wire transfers, and notary services. Digital services are delivered through Digital Banking online platform, mobile apps for iOS/Android (powered by Fiserv), Smart ATMs, CO-OP Shared Branching network (5,300+ branches), Zelle peer-to-peer payments, Apple Pay/Google Pay/Samsung Pay digital wallets, and Quicken/QuickBooks integration. Additional offerings encompass School Partner Perks for educators, first-time homebuyer and community partner assistance programs, fraud prevention services, account alerts, and the Community Foundation supporting local schools and nonprofits.

Differentiator

Problem solved

Functional benefit

Brands

• Credit Union of Georgia Community Foundation: Charitable foundation dedicated to making a meaningful impact through charitable giving, volunteerism, and strategic partnerships supporting individuals, schools, nonprofits, and local community organizations.

Quantifiable outcome

• Auto loan rates as low as 3.49% APR for qualified borrowers
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature2 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Federal Home Loan Bank of Atlanta (FHLBank Atlanta)coreStrategic or Co-development PartnerPartnership with FHLBank Atlanta to offer First-Time Homebuyer Product (up to $17,500 in assistance) and Community Partners Product (up to $20,000 for first responders and essential workers). These down payment and closing cost assistance programs help expand homeownership accessibility in the community.
• Sallie MaecoreGTM or Marketing PartnerStudent loans offered in partnership with Sallie Mae for borrowers attending degree-granting institutions. Sallie Mae Bank is the creditor; Credit Union of Georgia receives referral compensation for directing customers to Sallie Mae products.
• GreenPath Financial WellnessminorStrategic or Co-development PartnerPartnership with GreenPath provides members access to free student loan counseling, document help, complete loan analysis, personalized advice, and repayment plan options for those struggling with student debt.
• Trust & WillminorGTM or Marketing PartnerPartnership with Trust & Will and Love My Credit Union Rewards to host Estate Planning 101 webinars, offering members 20% discount on estate plans.
• CO-OP Shared BranchcoreTechnology or IntegrationCO-OP Shared Branch network provides Credit Union of Georgia members access to 5,600+ credit union branches and 30,000+ fee-free ATMs nationwide. JFR, Marietta, and Towne Lake branches participate in the network.
• Hobgood BaseballminorStrategic or Co-development PartnerCommunity partnership supporting youth baseball at Hobgood Park in Woodstock, GA. For each new member who selects Hobgood Baseball during application, $50 is donated to Hobgood Park Baseball and $50 to the Credit Union of Georgia Community Foundation.
• Cobb Schools FoundationminorStrategic or Co-development PartnerPartnership aimed at empowering students through programs merging financial literacy with real-world scenarios, starting in 2025-2026 school year. Focus on teamwork, leadership, and community involvement.
• Marietta City SchoolsminorStrategic or Co-development PartnerLaunched financial literacy curriculum with Marietta High School students in grades 9-12, teaching real-world money management skills. Program expanding to K-5 and 6-8 grade levels.
• Cherokee County School District, Cobb County School District, Marietta City Schools, Rhinehart UniversityminorStrategic or Co-development PartnerSchool Partner Perks program offering exclusive benefits to educators including 1% APR discount on consumer loans, $1,000 mortgage lender credit, 20,000 bonus points for rewards card, and referral bonuses.
• FiservcoreTechnology or IntegrationTechnology provider powering the Card Central Mobile App platform for credit and debit card management, including real-time balances, transactions, transfers, bill pay, and mobile check deposit.
• Various Member Discount Partners (ADT Security, Liberty Mutual, Georgia Aquarium, H&R Block, TurboTax, etc.)minorGTM or Marketing Partner13+ partner companies providing exclusive discounts to Credit Union of Georgia members, including ADT Security, Byrd Insurance, Callison's Heating & Air, Credit Union Travel, Georgia Aquarium, H&R Block, Liberty Mutual, Love My Credit Union Rewards, Money Pages, Nelson Elder Care Law, Northside Plumbing, Personal Creations, Trust & Will, and Intuit TurboTax.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Connexus Credit Union: National community credit union offering checking, savings, mortgage, and auto lending—comparable in providing digitally enabled retail banking with a community/membership orientation.
• Langley Federal Credit Union: Member-owned community credit union with retail and small business banking anchored in a defined regional market—comparable in size, cooperative structure, and product breadth.
• Fairwinds Credit Union: Community credit union providing full retail banking and lending services—comparable as a multi-branch cooperative serving a defined geographic community with similar product range.
• Delta Community Credit Union: Georgia-based state-chartered credit union serving the Atlanta metro and surrounding counties with full retail and business banking, directly comparable in product breadth and Georgia geographic focus.
• Suncoast Credit Union: Community credit union offering retail and business banking across a defined state footprint—comparable on cooperative structure, deposit/lending breadth, and community brand emphasis.
• Chartway Federal Credit Union: Community-based credit union offering consumer deposits, mortgages, auto, and credit cards—comparable in providing relationship-based retail banking with a regional member focus.
• Alliant Credit Union: Large community-charter credit union with a national digital footprint and broad retail deposit/lending products; comparable as a digital-forward community CU alternative competing for similar consumer banking relationships.
• Mountain America Credit Union: Large member-owned credit union with multi-state branch network and full suite of deposit, lending, and business products—comparable as a community-focused CU with broader scale ambitions.
• Georgia's Own Credit Union: Statewide Georgia cooperative credit union offering consumer, mortgage, and business lending with strong branch presence; closely comparable to Credit Union of Georgia in mission, product set, and community orientation.
• Robins Financial Credit Union: Georgia-based member-owned credit union providing consumer, mortgage, and small business banking in a defined regional footprint—comparable on cooperative structure and product mix.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

• Xx.com/CUofGA
• Facebookfacebook.com/CUofGA
• Instagraminstagram.com/cuofga
• LinkedInlinkedin.com/company/cuofga

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Union of Georgia