Credit union · NCUA insured
MyGeorgia Credit Union
Top CarrotA $256.5M credit union headquartered in Gainesville, GA, with 20,581 members and 9 branches in Georgia. Best rates: CDs 3.50% and savings 2.27% APY.
MyGeorgia Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 97% of U.S. banks and credit unions
#2 of 12 in Gainesville, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MyGeorgia Credit Union
MyGeorgia Credit Union is a member-owned credit union headquartered in Gainesville, Georgia.
The credit union serves individuals who live and work across twelve Northeast Georgia counties.
- Headquarters
- 2601 Limestone Pkwy, Gainesville, GA 30501
- NCUA charter
- 68602
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This may be incomplete or out of date, so check with the credit union before you apply.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 available to individuals who live and work in Banks, Clarke, Dawson, Habersham, Hall, Jackson, Lumpkin, Madison, Oconee, Oglethorpe, Rabun, and White counties in Northeast Georgia.
Branches
9 branches in Georgia
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Georgia
9 branches
Gainesville area · 3
- MyGeorgia Credit UnionMain office2601 Limestone Pkwy, Gainesville, GA 30501Directions
- Flowery Branch5900 Spout Springs Rd Ste W2, Flowery Branch, GA 30542Directions
- Oakwood Branch976 Dawsonville Hwy, Gainesville, GA 30501Directions
Athens area · 1
- Athens Branch205 Collins Industrial Blvd, Athens, GA 30601Directions
Cornelia area · 1
- Clarkesville Branch120 Church Sawmill Rd, Clarkesville, GA 30523Directions
Clayton area · 1
- Clayton Branch122 Plaza Way, Suite 1, Clayton, GA 30525Directions
Cleveland area · 1
- Cleveland Branch379 E Kytle St, Cleveland, GA 30528Directions
Homer area · 1
- Homer Branch448 Evans St, Homer, GA 30547Directions
Jefferson area · 1
- Jefferson Branch1681 Old Pendergrass Rd, Ste 195A, Jefferson, GA 30549Directions
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 | 11.02% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.54% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.88% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio11.02%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.54%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.88%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ 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 MyGeorgia Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.