Credit union · NCUA insured
North Georgia Credit Union
A $116.5M credit union headquartered in Toccoa, GA, with 11,638 members and 5 branches in Georgia. Best rates: savings 0.20% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings690.20%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About North Georgia Credit Union
North Georgia Credit Union is a member-owned financial cooperative serving Stephens, Franklin, Hart, and Rabun counties in Georgia.
- Headquarters
- 695 Big A Rd, Toccoa, GA 30577-6023
- NCUA charter
- 67395
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Residents of Stephens, Franklin, Hart and Rabun Counties are eligible for membership.
- Individuals who work in Stephens, Franklin, Hart, and Rabun Counties are eligible for membership.
Employers and groups
- Employees and affiliates of participating employee groups and companies are eligible to join.
Family and household
- Immediate family members of eligible group employees and members are eligible for membership.
Cost to join
- An initial share deposit of $25 is required to open a regular share/savings account and maintain membership.
- A $5 one-time membership fee is required upon joining.
Branches
5 branches in Georgia
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Georgia
5 branches
Toccoa area · 2
- Toccoa - Corporate OfficeMain office695 Big A Rd, Toccoa, GA 30577Directions
- Toccoa - Mize Rd Branch1067 Mize Rd, Toccoa, GA 30577Directions
Clayton area · 1
- Clayton Branch579 Highway 441 S, Clayton, GA 30525Directions
Hartwell area · 1
- Hartwell Branch249 E Franklin St, Hartwell, GA 30643Directions
Lavonia area · 1
- Lavonia Branch11850 Augusta Rd, Lavonia, GA 30553Directions
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 | 11.15% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.39% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.59% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio11.15%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.39%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.59%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ 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 North Georgia Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.