Credit union · NCUA insured
MembersFirst Credit Union
Top CarrotA $429.1M credit union headquartered in Decatur, GA, with 26,800 members and 14 branches in Georgia. Best rates: CDs 3.85% and savings 1.32% APY.
MembersFirst Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#2 of 60 in Atlanta, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MembersFirst Credit Union
Established in 1953, MembersFirst Credit Union is a member-owned, not-for-profit financial cooperative operating 13 branches in Georgia.
The credit union serves professionals in healthcare and education and offers personal banking, consumer loans, credit cards, and mortgages.
- Headquarters
- 2476 Lawrenceville Hwy, Decatur, GA 30033
- NCUA charter
- 67538
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live or work in Bryan County, Chatham County, Cobb County, DeKalb County, Douglas County, Effingham County, Paulding County, or the City of Sandy Springs, GA.
Employers and groups
- Membership is open to employees, students, and members of select partner schools, businesses, healthcare facilities, and community organizations.
- Membership is open to employees of WellStar Health System and affiliated groups, Emory Healthcare Decatur, Piedmont Healthcare and affiliates, and St. Joseph's/Candler Healthcare.
Military, government and schools
- Membership is open to employees of Douglas County Board of Education, Paulding County Board of Education, and Savannah State University in Georgia.
Family and household
- Membership is open to family members of eligible individuals.
Branches
14 branches in Georgia
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Georgia
14 branches
Atlanta area · 10
- MainMain office2476 Lawrenceville Hwy, Decatur, GA 30033Directions
- Piedmont Hospital Atlanta1968 Peachtree Rd NW Bldg 6, Atlanta, GA 30309Directions
- Wellstar Cobb Hospital3950 Austell Rd, Austell, GA 30106Directions
- Dekalb Medical Center2701 N Decatur Rd, Decatur, GA 30033Directions
- Douglasville3024 Chapel Hill Rd, Douglasville, GA 30135Directions
- Hiram44 Highland Falls Blvd, Hiram, GA 30141Directions
- Hiram High School701 Virgie Ballentine Dr, Hiram, GA 30141Directions
- Wellstar Kennestone Hospital111 Tower Rd NE, Marietta, GA 30060Directions
- Piedmont Hospital Newnan775 Poplar Rd Ste 125, Newnan, GA 30265Directions
- Sandy Springs8010 Roswell Rd, Ste 150, Sandy Springs, GA 30350Directions
Savannah area · 4
- Woodville-Tompkins High School151 Coach Joe Turner St, Garden City, GA 31408Directions
- Pooler GA1501 Pooler Pkwy, Pooler, GA 31322Directions
- Savannah5007 Paulsen St, Savannah, GA 31405Directions
- Savannah State University Branch3219 College St, Colston Administration Bldg, Room 133, Savannah, GA 31404Directions
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 | 11.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.20% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.81% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $78 | $76 | — |
- CapitalNet worth ratio11.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.20%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.81%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$78Peers’ 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 MembersFirst Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.