MySql.Data.MySqlClient.MySqlException (0x80004005): Access denied for user 'root'@'localhost' (using password: YES) at MySql.Data.MySqlClient.MySqlStream.ReadPacket() at MySql.Data.MySqlClient.NativeDriver.AuthenticateNew() at MySql.Data.MySqlClient.NativeDriver.Open() at MySql.Data.MySqlClient.Driver.Open() at MySql.Data.MySqlClient.Driver.Create(MySqlConnectionStringBuilder settings) at MySql.Data.MySqlClient.MySqlConnection.Open() at System.Data.Common.DbDataAdapter.FillInternal(DataSet dataset, DataTable[] datatables, Int32 startRecord, Int32 maxRecords, String srcTable, IDbCommand command, CommandBehavior behavior) at System.Data.Common.DbDataAdapter.Fill(DataSet dataSet, Int32 startRecord, Int32 maxRecords, String srcTable, IDbCommand command, CommandBehavior behavior) at System.Data.Common.DbDataAdapter.Fill(DataSet dataSet, String srcTable) at CustomContentBlock_CustomContentBlock.GetRate(String ID, String FieldName) in c:\inetpub\wwwroot\georgiaunited-release\CustomContentBlock\CustomContentBlock.ascx.cs:line 40MySql.Data.MySqlClient.MySqlException (0x80004005): Access denied for user 'root'@'localhost' (using password: YES) at MySql.Data.MySqlClient.MySqlStream.ReadPacket() at MySql.Data.MySqlClient.NativeDriver.AuthenticateNew() at MySql.Data.MySqlClient.NativeDriver.Open() at MySql.Data.MySqlClient.Driver.Open() at MySql.Data.MySqlClient.Driver.Create(MySqlConnectionStringBuilder settings) at MySql.Data.MySqlClient.MySqlConnection.Open() at System.Data.Common.DbDataAdapter.FillInternal(DataSet dataset, DataTable[] datatables, Int32 startRecord, Int32 maxRecords, String srcTable, IDbCommand command, CommandBehavior behavior) at System.Data.Common.DbDataAdapter.Fill(DataSet dataSet, Int32 startRecord, Int32 maxRecords, String srcTable, IDbCommand command, CommandBehavior behavior) at System.Data.Common.DbDataAdapter.Fill(DataSet dataSet, String srcTable) at CustomContentBlock_CustomContentBlock.GetRate(String ID, String FieldName) in c:\inetpub\wwwroot\georgiaunited-release\CustomContentBlock\CustomContentBlock.ascx.cs:line 40MySql.Data.MySqlClient.MySqlException (0x80004005): Access denied for user 'root'@'localhost' (using password: YES) at MySql.Data.MySqlClient.MySqlStream.ReadPacket() at MySql.Data.MySqlClient.NativeDriver.AuthenticateNew() at MySql.Data.MySqlClient.NativeDriver.Open() at MySql.Data.MySqlClient.Driver.Open() at MySql.Data.MySqlClient.Driver.Create(MySqlConnectionStringBuilder settings) at MySql.Data.MySqlClient.MySqlConnection.Open() at System.Data.Common.DbDataAdapter.FillInternal(DataSet dataset, DataTable[] datatables, Int32 startRecord, Int32 maxRecords, String srcTable, IDbCommand command, CommandBehavior behavior) at System.Data.Common.DbDataAdapter.Fill(DataSet dataSet, Int32 startRecord, Int32 maxRecords, String srcTable, IDbCommand command, CommandBehavior behavior) at System.Data.Common.DbDataAdapter.Fill(DataSet dataSet, String srcTable) at CustomContentBlock_CustomContentBlock.GetRate(String ID, String FieldName) in c:\inetpub\wwwroot\georgiaunited-release\CustomContentBlock\CustomContentBlock.ascx.cs:line 40MySql.Data.MySqlClient.MySqlException (0x80004005): Access denied for user 'root'@'localhost' (using password: YES) at MySql.Data.MySqlClient.MySqlStream.ReadPacket() at MySql.Data.MySqlClient.NativeDriver.AuthenticateNew() at MySql.Data.MySqlClient.NativeDriver.Open() at MySql.Data.MySqlClient.Driver.Open() at MySql.Data.MySqlClient.Driver.Create(MySqlConnectionStringBuilder settings) at MySql.Data.MySqlClient.MySqlConnection.Open() at System.Data.Common.DbDataAdapter.FillInternal(DataSet dataset, DataTable[] datatables, Int32 startRecord, Int32 maxRecords, String srcTable, IDbCommand command, CommandBehavior behavior) at System.Data.Common.DbDataAdapter.Fill(DataSet dataSet, Int32 startRecord, Int32 maxRecords, String srcTable, IDbCommand command, CommandBehavior behavior) at System.Data.Common.DbDataAdapter.Fill(DataSet dataSet, String srcTable) at CustomContentBlock_CustomContentBlock.GetRate(String ID, String FieldName) in c:\inetpub\wwwroot\georgiaunited-release\CustomContentBlock\CustomContentBlock.ascx.cs:line 40 Visa Cards in Atlanta – Credit Cards - Georgia United Credit Union

Georgia United History

  • 1958

    Did You Know:

    • Initial membership fees were just $0.
    • The par value of shares was $5 with a maximum deposit value of $1,000
    • The original office was located at 116 Clairmont in the DeKalb Federal Savings and Loan building and only open on Tuesdays from 4 PM – 7 PM

    The Founding

    On March 27th, DeKalb Principal, Vernon Carne and six other educators open DeKalb County Teachers Federal Credit Union in Decatur, Georgia with $35 in total deposits. On April 8, 1958, the credit union receives its charter from the National Credit Union Association.

  • 1967

    Did You Know:

    • In the Clarkston house branch, members closed loans in the “pink bedroom” and the “green bedroom.” Files were stored in the kitchen and the vault was located in the pantry

    The Million-Dollar Year

    DeKalb County Teachers Federal Credit Union surpasses $1 million in assets and begins offering payroll deduction to DeKalb County Schools employees in September. In April, a Clarkston branch opens in a home at 652 Indian Creek Dr.

  • 1983

    Did You Know:

    • In 1983, loans grew 16.6%, while deposits grew by 21.5% Membership reached 18,000
    • Insurance services became available through CUSO
    • DeKalb County Teachers Federal Credit Union undergoes a name change and becomes Georgia Federal Credit Union

    25 Years. $25 Million.

    DeKalb County Teachers Federal Credit Union celebrates 25 years of business by reaching $25 million in assets, and changes its name to Georgia Federal Credit Union. GFCU opens its first branch office in Lithonia, introducing money market accounts and Individual Retirement Accounts. Additionally, the credit union acquires the Carpet Capital Credit Union in Dalton through a merger and opens a new branch.

  • 1992

    Did You Know:

    • The credit union reached 100 select member groups by 1992
    • In 1993, the credit union experienced loan growth of 11.54% and deposit growth of 14.4%
    • Kids accounts are introduced
    • Stockbridge and Dalton branches relocated to larger facilities

    $100 Million Strong

    In 1992, Georgia Federal Credit Union surpasses $100 million in assets with 100 select employee groups. 1993 sees the acquisition of Kraft Foods CU and Salem Carpet CU through merger. In 1994, GFCU joins the Credit Union Service Center Network allowing its members increased access to their finances at more locations across the country.

  • 1997

    Did You Know:

    • The credit union expanded its product and service offerings to include Roth and Education IRAs and PC Home Banking
    • Founder, Vernon Carne, retires after having served as both President and Treasurer of the GFCU Board of Directors since 1958

    50,000 Members. 40 Years of Excellence

    In 1997, Georgia Federal Credit Union surpasses 50,000 members and introduces Visa Check Cards. The South DeKalb branch relocates to the Panola Rd. location in Lithonia, and the first metro Atlanta off-site ATM opens at DeVry Tech. In 1998, the credit union celebrates 40 years of unparalleled member service with almost $200 million in assets.

  • 2004

    Did You Know:

    • The credit union expanded its product and service offerings to include Roth and Education IRAs and PC Home Banking
    • Founder, Vernon Carne, retires after having served as both President and Treasurer of the GFCU Board of Directors since 1958

    Continued Growth

    In 2004, Georgia Federal Credit Union moves its corporate office to a new, three-story building at 6705 Sugarloaf Parkway with three tenants – CUNA Mutual, Georgia CU Affiliates, and Georgia Central CU. Also in 2004, Educators Credit Union and Georgia Catholic Federal Credit Union merges with GFCU. In 2005, our field of membership expands with the addition of the Archdiocese of Atlanta. We also purchase a former bank building for a new branch in Athens’ Eastside.  In 2006, mergers with University of Employees Federal Credit Union in Athens and Madison

  • 2008

    Did You Know:

    • In October, the Economic Stabilization Act granted a $700 billion bailout of the banking industry for sub-prime lending, but Credit Unions remained stable
    • A record $9.65 million in dividends were returned to members
    • Georgia Federal made 8,460 loans totaling over $100 million

    50 Years of Stellar Service

    In November, Georgia Federal celebrates 50 years of serving our members by reaching $500 million in assets. Meanwhile, U.S. credit unions celebrate 100 years of service.

  • 2010

    Did You Know:

    • The merger with SECU added $205 million in assets and 25,000 new members—our assets surpassed $875 million
    • At year-end 2011, Georgia United Credit Union had $893,021,140 in assets and 115,774 members
    • Georgia United became the first credit union in Georgia to offer the Mobile Deposit services to its members
    • On our annual day of service, Georgia United staff prepared 4,000 personal care and meal kits for The Gateway Center, an Atlanta-based organization

    Georgia Federal Becomes Georgia United

    In December 2012, the State Banking Department receives the final state charter conversion materials allowing for the successful conversion of out charter from federal to state. Members experience the change to the new name Georgia United Credit Union. April 2011 brings about more change for Georgia United as the largest merger in the State of Georgia (Georgia United Credit Union with State Employees Credit Union) takes place. State Employees Credit Union includes employees of various state agencies and state colleges and universities like Georgia Institute of Technology (Georgia Tech).

  • Credit Cards

    credit cards

Enjoy convenience and flexibility with our VISA® credit and debit cards.

verified visa

Credit Card Comparison

No matter where you’re headed, when you’re on the go with your Georgia United VISA®, the savings go with you. Qualified members are eligible for debt cancellation (meaning that debt will be paid in the event of disability, death or loss of employment), and our Gold and Platinum VISA® cards come complete with these great benefits:

  • Auto rental collision damage waiver
  • Cardholder inquiry service
  • Emergency card replacement and cash disbursement
  • 24-hour lost or stolen card reporting
Gold Platinum

Annual Percentage
Rate For Purchases,
Balance Transfers,
and Cash Advances

NA APR

NA APR

Credit Limit

Up to $5,000

Up to $25,000

Penalty APR

None

None

Annual Membership Fee

None

None

Balance Transfer Fee

None

None

Cash Advance Fee

None

None

Foreign Transaction Fee

None

None

Grace Period, Purchases

25 Days from Statement Closing

25 Days from Statement Closing

Minimum Interest Charge

None

None

Grace Period, Cash Advance

None

None

Method of Computing Balance

Average Daily Balance Including New Purchases

Average Daily Balance Including New Purchases

Minimum Finance Charge

None

None

Transaction Fee for Purchases

None

None

Cash Advance Fee

None

None

Over Limit Fee

None

None

Late Payment Fee

$20

$20

Returned Payment Fee

$15(From Self); $5 From Other

$15(From Self); $5 From Other

VISA® Gold

Georgia United Gold VISA® credit cardholders enjoy:

  • Credit Card limits of up to $5,000
  • NA APR
  • Auto rental collision damage waiver
  • Cardholder inquiry service
  • No foreign transaction charges
  • Emergency cash disbursement and card replacement
  • 24-hour lost/stolen card reporting
  • Terms and Conditions
Apply Now

VISA® Platinum

If you have an excellent credit history, consider these benefits your “pat on the back.” Our Platinum VISA® credit card offers you:

  • Higher spending limits (from $5,000 to $25,000)
  • NA APR
  • Auto rental collision damage waiver
  • Warranty management service
  • No foreign transaction charges
  • Travel and emergency assistance
  • Cardholder inquiry service
  • Emergency cash disbursement and card replacement
  • 24-hour lost/stolen card reporting
  • Terms and Conditions (PDF)
Apply Now

VISA® Debit Cards

A VISA® debit card from Georgia United— it’s like your checkbook and ATM card all in one. Debit cards are more efficient and convenient than writing checks (not to mention all the trees you’ll save) when making purchases from your favorite retailers. Just swipe, sign/enter your PIN and go!

Zero Liability

Concerned about the risk of your card(s) being compromised? Georgia United has you covered. As our valued member, you have Zero Liability on your VISA® credit and debit cards, and we guarantee that you won’t be held responsible for unauthorized purchases in the event that your card is lost or stolen.

Georgia United checking account holders also enjoy free victim resolution and education services from Identity Theft 911. This service empowers you to take provides  a proactive approach to identity theft, and includes a personal advocate, preparation of needed documents, fraud alerts, credit reports from all three credit bureaus and more.

Georgia United recommends that you monitor your account regularly. If you ever have questions regarding your VISA® credit or debit card(s), don’t hesitate to let us know what we can do for you. Contact us directly at 770-493-4328. Reporting a lost or stolen VISA® card? Call 1-866-677-7156.

Protect Yourself Against Debit & Credit Card Fraud

Below are the “Dos and Don’ts” to protect yourself against debit and credit card fraud. VISA® USA offers Georgia United members the following guidelines to protect against debit and credit card fraud.

DO...

  • Shred all personal and financial information - such as bills, bank and credit union statements, ATM receipts and credit card offers - before you throw it away.
  • Keep your personal documentation (e.g., birth certificate, Social Security card, etc.) and your bank, credit union and credit card records in a secure place. Call the post office immediately if you are not receiving your mail. To get the personal information needed to use your identity, a thief can forge your signature and have your mail forwarded.
  • Be aware of your surroundings when entering your Personal Identification Number (PIN) at an ATM.
  • Limit the number of credit cards and other personal information that you carry in your wallet or purse.
  • Report lost or stolen credit cards immediately.
  • Review and consider whether you need currently inactive card accounts. Even when not being used, these accounts appear on your credit report, which is accessible to thieves. If you have applied for a credit card and have not received the card in a timely manner, immediately notify the appropriate financial institution.
  • Closely monitor the expiration dates on your credit cards. Contact the credit issuer if the replacement card is not received prior to your credit card's expiration date.
  • Sign all new credit cards upon receipt.
  • Review your credit reports annually.
  • Use passwords on your credit cards, bank and credit union accounts, and phone cards. Avoid using the obvious passwords - your mother's maiden name, your birth date or the last four digits of your Social Security or phone number.
  • Match your credit card receipts against monthly bills to make sure there are no unauthorized charges.

DON'T...

  • Volunteer any personal information when you use your credit card.
  • Give your Social Security number, credit card number or any bank or credit union account details over the phone unless you have initiated the call and know that the business you are dealing with is reputable.
  • Leave receipts at ATMs, bank counters or unattended gasoline pumps.
  • Leave envelopes containing your credit card payments or checks in your home mailbox for postal carrier pickup.
  • Record your Social Security number or passwords on paper and store them in your wallet or purse. Memorize your numbers and/or passwords.
  • Disclose bank or credit union account numbers, credit card account numbers or other personal financial data on any website or online service location, unless you receive a secured authentication key from your provider.