Credit union · NCUA insured
On The Grid Financial
A $46.3M credit union headquartered in Atlanta, GA, with 3,930 members and 1 branch in Georgia. Best rates: CDs 3.75% and savings 0.85% APY.
On The Grid Financial Carrot Score
82
Carrot Score
Higher than 61% of U.S. banks and credit unions
#31 of 60 in Atlanta, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About On The Grid Financial
Founded in 1935 by Georgia Power Company employees, On The Grid Financial was created by electric utility industry employees for electric utility industry employees.
After receiving an NCUA trade charter expansion in 2006 across 11 states, the credit union retired its Georgia Power name in 2015 to become On The Grid Financial.
- Headquarters
- 5901 Peachtree Dunwoody Rd Ste A275, Atlanta, GA 30328-7173
- NCUA charter
- 383
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- People within the electric utilities industry in Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, or Virginia are eligible for membership.
- Persons retired as pensioners or annuitants from the electric utilities industry in eligible states are eligible for membership.
- Employees or members of eligible Select Employee Groups qualify for membership.
Family and household
- Members of immediate family or household of eligible electric utilities industry persons/retirees qualify for membership.
- Spouses of persons who passed away while within the credit union's field of membership qualify for membership.
Other ways
- Organizations of eligible persons qualify for membership.
Branches
1 branch in Georgia
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Georgia
1 branch
- North Atlanta BranchMain office5901 Peachtree Dunwoody Rd Ste A275, Atlanta, GA 30328Directions
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 | 13.88% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.37% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.02% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $47 | $59 | — |
- CapitalNet worth ratio13.88%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.37%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.02%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$47Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 On The Grid Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.