Abbeville Community Federal Credit Union

What Abbeville Community Federal Credit Union does

Peach State Federal Credit Union is a federally chartered, member-owned credit union headquartered at 1505 Lakes Parkway, Suite 100, Lawrenceville, Georgia, serving individual consumers, families, and small businesses across Georgia and South Carolina. Founded in 1934 and operating since under NCUA supervision (NMLS #483559 for mortgage operations), the institution provides a full suite of retail and commercial banking products: checking and savings accounts (including eXtreme Teen, Youth Savings, and Fresh Start second-chance accounts), IRAs, money market accounts, term share certificates; consumer lending (auto, mortgage, home equity loan and HELOC, personal, share-secured, recreational vehicle, and agricultural equipment loans); credit cards with Visa; and business banking (business checking, savings, money market, business auto loans, business credit cards, SBA loans, commercial real estate loans, equipment financing, and merchant services). The C.A.R.E.S. Foundation, a wholly owned subsidiary, has cumulatively contributed over $2 million to local community organizations supporting arts, education, and service initiatives.

Technology infrastructure is built on standard retail-banking rails: native mobile applications on iOS (App Store ID 1532065472) and Android with mobile check deposit and mobile-wallet integration (Apple Pay and Google Pay), a web-based online banking platform with bill pay and eStatements, telephone banking (MemberLine), and Visa-branded debit, credit, and gift cards. Distribution is multi-channel: branches across Georgia and South Carolina, plus access to the CO-OP Shared Branching network providing over 5,000 shared branches and 30,000+ surcharge-free ATMs nationwide. The Balance Financial Fitness platform (partnered with Balance Pro) provides financial-wellness content to members, and Trustage-branded insurance products (auto, home, AD&D, GAP, debt protection, extended vehicle warranty) are offered as partner-distributed add-ons. WCAG 2.0 accessibility compliance is maintained on digital channels.

As a not-for-profit cooperative under federal credit union charter, Peach State generates revenue primarily through net interest margin on lending activities (consumer, mortgage, business, recreational, agricultural), fee-based services (overdraft protection, wire transfers, notary, signature guarantee, certain card and account fees), and the deployment of member share deposits. Membership acquisition is community-led via branch presence, direct deposit relationships, employer benefit partnerships (Employee Benefits program), digital channels (mobile app, online), and community engagement through the C.A.R.E.S. Foundation. Customer segments are diversified across general consumers, small business owners (commercial lending and merchant services), young members and families (youth and teen accounts), and credit-challenged individuals (Fresh Start second-chance products), suggesting a deliberately broad membership targeting strategy across the Southeast United States.

Name

Abbeville Community Federal Credit Union

Legal name

Peach State Federal Credit Union

Website

https://youracfcu.com

Company type

Private

Founded year

1934

Operating status

Operating

Headcount range

11–50 employees

Short description

Peach State Federal Credit Union is a federally chartered, member-owned credit union serving consumers, families, and small businesses in Georgia and South Carolina with a full suite of retail and commercial banking, lending, and insurance products distributed through branches, mobile and online banking, and the CO-OP shared branching network.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Consumer banking services
• Personal lending products
• Business banking solutions
• Credit union membership
• Retail financial services

Headquarters

HQ city

Abbeville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Peach State FCU generates revenue primarily through interest earned on various loan products including auto loans, mortgages, home equity loans, personal loans, business loans, and credit cards. As a credit union, earnings are returned to members through lower loan rates and higher savings rates.
2. Fee-based Services: The credit union charges fees for various services including overdraft protection, wire transfers, credit cards, notary services, and certain account maintenance activities.
3. Share Deposits: Members deposit funds into savings accounts, checking accounts, money market accounts, IRAs, and certificates of deposit. These deposits provide the capital base for lending activities.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Peach State Federal Credit Union is a federally chartered, member-owned cooperative that provides consumer and small business banking products, including checking, savings, money market, IRAs, and certificate accounts, plus a full lending suite spanning mortgages, home equity, auto, personal, recreational vehicle, and commercial loans and credit cards. Distribution combines regional branch locations in Georgia and South Carolina with mobile and online banking, MemberLine phone banking, CO-OP Shared Branching, and merchant services for businesses.

Product overview

Peach State Federal Credit Union is a full-service financial institution offering a comprehensive suite of banking products and services. The core banking platform includes personal and business checking and savings accounts, various loan products (auto loans, mortgages, personal loans, home equity, credit cards, and business/commercial lending), and retirement accounts (IRAs and certificates). The digital banking ecosystem encompasses mobile banking apps for iOS and Android, online banking with bill pay and eStatements, and mobile wallet integration with Apple Pay and Google Pay. Insurance products are offered through partnerships (Trustage) for auto, home, and AD&D coverage. The institution also maintains community engagement through its C.A.R.E.S. Foundation and scholarship programs. Located in Georgia and South Carolina with shared branching through CO-OP network.

Differentiator

Problem solved

Functional benefit

Brands

• C.A.R.E.S. Foundation: Community Foundation - Each year, Peach State donates time, materials, and money to organizations in our service area through the Peach State FCU C.A.R.E.S. Foundation.

Products and services

• Personal Checking Accounts Personal checking account options including standard checking, eXtreme Teen Checking for teenagers, and Fresh Start Checking for individuals rebuilding credit, available to members across Georgia and South Carolina.
• Personal Savings Accounts Personal savings accounts including regular savings, youth savings for children, and club accounts for goal-based saving, offered to members with competitive interest rates.
• Money Market Accounts Interest-bearing money market accounts available for both personal and business use, providing competitive rates for higher balances.
• Term Share Certificates (CDs) Certificate of deposit accounts with fixed terms and guaranteed rates, available in various term lengths.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts including traditional and Roth IRA options offered to members.
• Auto Loans Financing for new and used vehicle purchases with buy or refinance options and flexible payment terms for members.
• Fresh Start Auto Loan Second-chance auto financing designed for individuals working to rebuild their credit.
• Mortgages Home mortgage lending for residential property purchases, including various term options, with NMLS #483559 registration.
• Home Equity Loan Fixed-rate loans using home equity as collateral for major expenses or debt consolidation.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity, providing flexible access to funds.
• Personal Loans Unsecured loans for various personal financial needs including debt consolidation, unexpected expenses, or major purchases.
• Credit Cards Visa credit cards for personal use, providing secure purchasing and rewards.
• Boat Loans Financing for new and used boats and watercraft.
• Motorcycle Loans Financing options for purchasing motorcycles.
• RV Loans Financing for recreational vehicles and campers.
• ATV/UTV Loans Financing for all-terrain and utility task vehicles.
• Agriculture Equipment Loans Financing for agricultural machinery and farm equipment.
• Share Secured Loans Loans secured by existing member savings, using deposited funds as collateral.
• Business Checking with Merchant Services Business checking account integrated with merchant card acceptance services for small business operations.
• Business Savings Accounts Savings accounts designed for business owners and organizations.
• Business Auto Loans Vehicle financing for business purposes and commercial fleets.
• Business Credit Cards Credit cards designed for business spending with expense management features.
• Commercial Equipment Financing Financing solutions for commercial equipment purchases beyond vehicles.
• Commercial Real Estate Loans Financing for commercial property acquisition, development, or refinancing.
• SBA Loans Small Business Administration loans, including SBA 7(a) and other SBA programs, for small business borrowers.
• Merchant Services Payment processing services enabling businesses to accept card transactions, integrated with business checking.
• Mobile Banking Application Native mobile banking applications for iOS and Android enabling account access, mobile check deposit, transfers, and bill pay, with mobile wallet support for Apple Pay and Google Pay.
• Online Banking with Bill Pay and eStatements Web-based banking platform providing account management, electronic bill payment, eStatements, and fund transfers.
• MemberLine Phone Banking Automated telephone banking service for members to access accounts and conduct transactions by phone.
• Loans By Phone Phone-based loan application and management service for members.
• Visa Debit Cards Visa-branded debit cards linked to member checking accounts for ATM access and point-of-sale purchases.
• Visa Gift Cards Prepaid Visa gift cards available to members for gifting purposes.
• Overdraft Protection Protection service linking member accounts to prevent overdraft fees and returned items.
• Wire Transfers Domestic and international wire transfer services for moving funds between financial institutions (routing number 261174759).
• Direct Deposit Electronic deposit of payroll, government benefits, and other recurring payments directly to member accounts.
• Notary and Signature Guarantee Services Branch-based notarization and signature guarantee services for official documents.
• Skip-A-Payment Loan payment deferment option allowing members to skip one payment per year.
• C.A.R.E.S. Foundation Community Program Community outreach foundation contributing over $2 million to local organizations supporting arts, education, community, responsibility, and service initiatives, operated as a wholly owned subsidiary of Peach State FCU.
• Scholarship Program Educational scholarship program for members and community members.

Quantifiable outcome

• Over $2M+ contributed to local community organizations through C.A.R.E.S. Foundation

Named customers3 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core and supporting.

• CO-OP Shared BranchcoreChannel Partner/ Reseller/ DistributorPeach State FCU participates in the CO-OP Shared Branching network, providing members access to over 5,000 shared branches and 30,000+ surcharge-free ATMs nationwide. This partnership extends the institution's physical distribution reach beyond its own branch locations in Georgia and South Carolina, offering members convenient banking access throughout the United States.
• Balance Pro (Balance Financial Fitness)supportingTechnology or IntegrationPeach State FCU partners with Balance Pro to provide the Balance Financial Fitness platform to its members. This platform offers financial wellness programs, budgeting tools, and educational resources to help members manage their finances and achieve financial goals.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Delta Community Credit Union: Large Georgia-based credit union offering consumer deposits, lending, and business banking across the metro Atlanta area. Closest direct competitor to Peach State FCU within the Georgia market, sharing the same member-owned cooperative model and product catalog.
• Georgia's Own Credit Union: Georgia-headquartered credit union providing consumer and business banking with branch presence across Georgia. Operates the same cooperative model with comparable deposit, lending, and digital product set, directly overlapping Peach State's primary service area.
• SRP Federal Credit Union: Augusta-area federally chartered credit union serving Georgia and South Carolina members with consumer deposits, mortgage, and business lending. Operates in an overlapping geography with a comparable member-owned model.
• Georgia United Credit Union: Georgia-based credit union with statewide branch coverage and full consumer/business lending suite. Directly comparable in charter structure, geographic focus, and product breadth, competing for the same member base.
• Local First Federal Credit Union: Georgia-based community credit union offering checking, savings, lending, and digital banking to members across the southeast. Comparable in scale and product mix, competing for retail members in Peach State's footprint.
• Powerco Federal Credit Union: Georgia-based federally chartered credit union offering consumer and small business banking. Overlaps with Peach State's Georgia footprint under a similar federal charter structure.

Broad incumbents

• Navy Federal Credit Union: Largest U.S. credit union with nationwide membership eligibility, full consumer and consumer-lending product catalog, and substantial digital capabilities. Adjacent competitive pressure on Peach State for digitally-active members, though not regionally focused.
• PenFed Credit Union: Nationwide federal credit union with broad consumer and mortgage lending plus digital banking. Indirect competitor for digitally-mobile members, demonstrating the scale benchmarks Peach State ultimately competes against in digital channels.

Emerging players

• Alliant Credit Union: Digital-first credit union serving members nationwide, including Georgia and South Carolina. Competes for the same digitally active members who might otherwise engage with Peach State's mobile and online channels, representing a digitally native alternative model.

Regional players

• First Piedmont Federal Credit Union: Federal credit union serving members across Georgia and the Carolinas with consumer banking and lending products. Comparable institutional structure and southeastern geographic footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/YourACFCU
• YouTubeyoutube.com/user/PeachStateFCU
• Facebookfacebook.com/PeachStateFCU
• LinkedInlinkedin.com/company/abbeville-community-federal-credit-union
• Instagraminstagram.com/peachstatefcu
• TikToktiktok.com/@peachstatefcu

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Abbeville Community Federal Credit Union