Credit union · NCUA insured
CGR Credit Union
A $119.5M credit union headquartered in Macon, GA, with 11,245 members and 5 branches in Georgia. Best rates: CDs 3.50% and savings 0.55% APY.
CGR Credit Union Carrot Score
83
Carrot Score
Higher than 61% of U.S. banks and credit unions
#6 of 14 in Macon, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CGR Credit Union
Founded in 1971 by hospital employees, CGR Credit Union is a state-chartered financial services organization headquartered in Macon, Georgia.
The member-owned credit union serves individuals who live and work in Bibb, Baldwin, Houston, Jones, Monroe, Peach, or Putnam Counties.
CGR Credit Union expanded its field of membership through a merger with CSHCU.
- Headquarters
- 2040 Ingleside Ave, Macon, GA 31204
- NCUA charter
- 67367
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Bibb, Baldwin, Houston, Jones, Monroe, Peach, or Putnam Counties in Georgia are eligible for membership.
Employers and groups
- Employees of designated Bibb Select Employee Groups (SEGs) are eligible for membership.
- Employees of Georgia Power are eligible for membership.
- Anyone working in healthcare is eligible for membership.
- Employees of Tift Regional Medical Center (including Cook Medical Center) and its associated businesses are eligible for membership.
Military, government and schools
- Employees of the Department of Corrections and some local governments are eligible for membership.
2 more ways to join
Military, government and schools
- Employees of the Department of Corrections and the Department of Veterans Services in Hancock and Washington Counties are eligible for membership.
Family and household
- Family members (by blood, adoption, or marriage), household members of eligible persons/members, and surviving spouses of deceased members are eligible to join.
Branches
5 branches in Georgia
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Georgia
5 branches
Macon area · 3
- CGR Credit Union Ingleside BranchMain office2040 Ingleside Ave, Macon, GA 31204Directions
- CGR Credit Union Carlyle Place Branch5500 Zebulon Rd, Macon, GA 31210Directions
- CGR Credit Union Pine770 Pine St Ste L20, Macon, GA 31201Directions
Warner Robins area · 1
- Warner Robins Branch1110 Hwy 96, Kathleen, GA 31047Directions
Milledgeville area · 1
- CGR Credit Union Baldwin Branch820 N Cobb St, Milledgeville, GA 31061Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 22.20% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.52% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.94% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $52 | $76 | — |
- CapitalNet worth ratio22.20%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.52%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.94%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$52Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of CGR Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.