Georgia Federal Credit Union is a not-for-profit financial cooperative of people united by a common bond. Together, we're able to provide each other with highly competitive rates and a wide variety of services to meet the financial needs of each and every member. How do we do it? Easy.

Being a member of the Credit Union means you are a partial owner with a vote and a voice in daily activities. "Member owned and operated" means you profit through more services, more benefits and more advantages than other types of financial institutions. That's what the Credit Union is all about.

“Our goal is to be our members’ premier source of value-priced financial services, delivered in a knowledgeable, dependable, and caring manner.”  

1) What is GFCU?

A not-for-profit financial cooperative of educational, governmental and private industry employees and their families, along with selected employee groups near our offices. Originally founded as the DeKalb County Teachers Federal Credit Union in 1958, we changed our name to Georgia Federal Credit Union in 1983 to better reflect the diverse credit union we have become.

2) Are you a bank?

We are not a bank. We are not a labor union. We are not a credit bureau. We are a credit union.

3) How are you different?

We are member-owned. When a person joins GFCU, they become a shareholder. Our Board of Directors are elected from our membership each year at an annual meeting. Credit Unions are not open to the public. GFCU members are eligible for membership through their employer as an employee benefit, or through a person in their family who is already a member.

4) Are your deposits insured?

Yes. By the strongest of the government-backed insurance funds, the National Credit Union Share Insurance Fund, a part of the NCUA. All funds are insured up to $100,000.

5) Where are you located?

Our fourteen offices can be found in Athens, Clarkston, Conyers, Cumming, Dalton, Dublin, Duluth(2), Lithonia, NCR, North Atlanta, Stockbridge, Tucker, and UGA. However, through direct deposit, payroll deduction, ATM networks, our Instant Access telephone teller, GFCU Online home banking program, and numerous shared CU Service Centers, we are closer than you think!

6) What types of services are available through GFCU?

We are a full-service financial institution, so we offer a range of savings and loan programs which are outlined on this site.

7) How does a person join GFCU?

The first step in joining is qualifying through your employer. The next step is opening a share savings account and making a minimum deposit of $30 ($5 is a one-time membership fee and $25 is the minimum balance requirement). Once membership is established, the benefits are lifelong. Even if members leave their employer or move across the country, they may retain their GFCU account as long as they maintain the minimum balance requirement of $25.

8) How do I qualify for a loan?

GFCU lends money for any worthwhile purpose - from new car purchases and home loans to VISA credit cards. We evaluate each applicant on his/her individual credit-worthiness based on their debt/income ratio; past credit history; collateral offered; and stability factors. GFCU's loan approval ratio is currently 70%.

9) Where can I open an account/establish membership?

You can join via our Internet application or at any GFCU office, or we can arrange to host information/signup sessions at your place of business (through coordination with your human resources/benefits department). Contact our Business Development Department to arrange for an on-site signup session.

10) GFCU sounds great...What are we waiting for?

Once you decide that GFCU is the "home grown, member owned" credit union for YOU or your company, just let us know. If you're seeking a credit union for your company, contact our Business Development Department and we'll assist you in drafting a letter of interest and completing a few questions in order to submit your company as an addition to our field of membership through the National Credit Union Administration.