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).

  • Checking


No matter you age, Georgia United has options to best suit your savings and retirement needs.

We offer a variety of checking accounts designed to fit the lifestyles and needs of our members. No matter which account you choose, Georgia United promises you free identity theft protection for added convenience and safety. All checking accounts come with ATM and/or Debit cards, and overdraft protection.

Teen/College Checking

Georgia United is pleased to serve our high school and college members with checking programs designed to meet their unique financial needs.

Sign up for a Student Checking account with us and receive:

Free Checking

Our most popular account is free of monthly service charges when you sign up for Direct Deposit or E-Statements. “Check” it out!

  • No minimum deposit required (unless ordering special checks)
  • No monthly service charge if member uses E-Statements or Direct Deposit Unlimited free withdrawals
  • Overdraft protection is offered from share savings account or loans (for qualified members)
  • Swift Deposit
  • Visa® Debit cards
  • Free online banking
  • Free bill pay with direct deposit or e-statements

Restart Checking

Everyone deserves a second chance. Restore your financial outlook and plan a brighter future with Restart Checking from Georgia United.

  • $10 to open a Savings Account
  • $12 monthly service charge
  • Direct Deposit required
  • No minimum balance requirements
  • If the account is maintained in good standing for one year, the member may be eligible to convert to another account type
  • Debit cards
  • Swift Deposit
  • Free online banking and bill pay
  • Overdraft protection from Prime Share

Thrifty Checking

Don’t write many checks? Save with our Thrifty Checking Account and pay just a $2.50 monthly service charge for 20 checks (or withdrawals), with an additional service charge of 30¢ per check over 20.

  • Minimum deposit of $50 required (or enough for checks)
  • 20 free withdrawals
  • No Direct Deposit or E-Statements required
  • Swift Deposit
  • Online Banking and bill pay
  • Overdraft from Prime Share
  • Debit cards

Premier Checking

Enjoy the highest return of any Georgia United account with Premier Checking. Receive monthly dividends when you maintain an average daily balance of $1,000 and enjoy no per-check charges.

  • Minimum deposit and balance of $1,000
  • Earn dividends when average daily balance is in excess of $1,000
  • Unlimited free withdrawals
  • Overdraft protection is offered from share savings account or loans (For qualified members)
  • No monthly service fee if member maintains a $1,000 balance

Overdraft Protection

Georgia United checking accounts automatically come with overdraft protection from your share savings account. Members may also choose to have funds automatically transferred from a zip loan or a Visa® credit card. *

*Subject to credit approval and available funds

Upper Class Checking

Georgia United members 55 years of age or over are automatically eligible for free checking with our Upper Class accounts. Let one of our employees know you’re ready for the Upper Class and we’ll get you signed up so you can enjoy benefits like:

  • No monthly service fee or per-check charge
  • No minimum balance requirement
  • Carbonless, duplicate checks for your records; Upper Class account holders receive free checks for life, as long as the checking account is maintained
  • Free Georgia United automated teller machine network transactions (Plus, Interlink, and Allpoint network transactions will incur a small fee)
  • No fee for statement printouts
  • Free Online Banking
  • Free Bill Pay with E-Statements
  • Plus many more rewards, link to the rewards page

ATM and Debit Cards

Your checking account with Georgia United offers the added convenience of ATM cards or VISA® debit cards and affords you access to more than 100,000 surcharge-free ATMs throughout the US, Puerto Rico, Canada, Guam, Japan, and the United Kingdom as well as access to ATMs in more than 170 countries through the PLUS, Interlink and Allpoint networks. With your Georgia United debit card, you can make a purchase anywhere the VISA® card is accepted. We’re also pleased to offer our members overdraft protection options through automatic transfer from your savings or a line of credit— simply let us know your preferences when you open your account.

Identity Theft 911

At Georgia United, we’re committed to maintaining the security of your personal and financial information, and we take every necessary step to ensure that your accounts are protected. If you’re a member who has a checking account with us, congratulations! As part of our efforts to prioritize your account security, all checking accounts have been upgraded to receive free Identity Theft 911 protection. This upgrade includes:

  • A personal advocate who will with you one-on-one to restore your identity in the event that it is compromised
  • Systematic notification to credit bureaus, creditors, governmental agencies and others, including credit collectors
  • Preparation of all documents and phone calls needed to resolve your identity theft
  • Comprehensive case file creation to provide assistance to law enforcement
  • A full year of credit monitoring, fraud monitoring and follow-up calls
  • Fraud alerts and education

To learn more about Identity Theft 911 protection for your Georgia United checking account, contact a friendly representative from our E-Branch at 770-476-6400, option 3, or visit your local branch.
To report a lost or stolen VISA® check card or ATM card, call 1-866-677-7156.

Need to Reorder Checks?

Our secure check reorder site is conveniently located on your Georgia United Online Banking account page. Just log in to Online Banking and you’ll see “Reorder Checks”. Select from the latest check designs and print accents to create a customized check that’s uniquely you— without having to visit a branch or mail in a check order! Checks can also be ordered from our E-Branch, at any of our 16 branch locations or by calling 1-800-Deluxe1.