Credit union · NCUA insured
Peach State Federal Credit Union
Top CarrotA $1.1B credit union headquartered in Lawrenceville, GA, with 76,603 members and 29 branches in 2 states. Best rates: CDs 3.75% and savings 1.00% APY.
Peach State Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 98% of U.S. banks and credit unions
#1 of 60 in Atlanta, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Peach State Federal Credit Union
Headquartered in Lawrenceville, Georgia, Peach State Federal Credit Union operates as a member-owned not-for-profit financial institution.
The credit union was formerly known as Gwinnett Federal Credit Union prior to changing its name in 2013.
Peach State serves members and Select Employee Groups across Georgia and South Carolina.
- Headquarters
- 1505 Lakes Pkwy Ste 100, Lawrenceville, GA 30043
- NCUA charter
- 14676
Branches
29 branches in 2 states
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Georgia
25 branches
Atlanta area · 12
- Ben Mays2357 Benjamin E Mays Dr SW, Atlanta, GA 30311Directions
- Glenwood1342 Glenwood Ave SE Ste 1, Atlanta, GA 30316Directions
- North Decatur Square2899 N Decatur Rd, Decatur, GA 30033Directions
- Panola Industrial5381 Panola Industrial Blvd, Decatur, GA 30035Directions
- Central Gwinnett High School564 Crogan St, Lawrenceville, GA 30046Directions
- Five Oaks875 Oak Rd, Lawrenceville, GA 30044Directions
- Lawrenceville40 E Pike St, Lawrenceville, GA 30046Directions
- Loganville107 Lee Byrd Rd, Loganville, GA 30052Directions
- Monroe1307 W Spring St, Monroe, GA 30655Directions
- Isc437 Old Peachtree Rd NW, Suwanee, GA 30024Directions
- Suwanee455 Highway 23 NW, Suwanee, GA 30024Directions
- Winder216 N Broad St, Winder, GA 30680Directions
Augusta area · 3
- Gracewood2048 Tobacco Rd, Augusta, GA 30906Directions
- RCT Board of Education864 Broad St, Augusta, GA 30901Directions
- Evans4339 Washington Rd, Evans, GA 30809Directions
Athens area · 2
- Hawthorne155 Hawthorne Park, Athens, GA 30606Directions
- Oconee1260 Mars Hill Rd, Ste 127, Watkinsville, GA 30677Directions
Carnesville area · 1
- Carnesville1107 Hull Ave, Carnesville, GA 30521Directions
Cornelia area · 1
- Cornelia665 Historic 441 Hwy, Cornelia, GA 30531Directions
Eatonton area · 1
- Putnam1076 Greensboro Rd, Eatonton, GA 31024Directions
Jefferson area · 1
- Jefferson948 Lee St, Jefferson, GA 30549Directions
Chattanooga area · 1
- Lafayette710 N Main St, LaFayette, GA 30728Directions
Toccoa area · 1
- Liberty Hill568 Liberty Hill Rd, Toccoa, GA 30577Directions
Summerville area · 1
- Trion37 Selman Dr, Trion, GA 30753Directions
Young Harris area · 1
- Young Harris693 Main St, Young Harris, GA 30582Directions
South Carolina
4 branches
Greenwood area · 2
- Abbeville603 E Greenwood St, Abbeville, SC 29620Directions
- Lakelands1536 Edgefield St, Greenwood, SC 29646Directions
Augusta area · 1
- Beech Island143 Old Jackson Hwy, Beech Island, SC 29842Directions
Greenville area · 1
- Pickens2111 Gentry Memorial Hwy, Pickens, SC 29671Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.18% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.32% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.81% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $75 | $88 | — |
- CapitalNet worth ratio9.18%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.32%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.81%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$75Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Peach State Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.