Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions
For over 90 years, Associated Credit Union has prioritized exceptional service and competitive financial products to help members achieve their goals. Operating under a 'people first' philosophy, we focus on member needs and community impact through tailored financial solutions. Our mission centers on delivering products that meet member requirements, service exceeding expectations, and building trust-based relationships.As a $2 billion state-chartered credit union regulated by Georgia's Department of Banking and NCUA, we provide federally insured deposits up to $250,000. Our commitment includes lower loan rates, higher savings rates, and personalized service that adapts to members' evolving financial journeys while maintaining strict compliance with regulatory standards.
Services
Savings Accounts
Checking Accounts
Auto Loans
Mortgage Loans
Credit Cards
Details
- Year established: 1930
Highlights and features
- 90+ years of community-focused financial expertise in Georgia
- NCUA-insured deposits up to $250,000 for member security
- Competitive rates on loans and savings products
- 24/7 ATM access with multiple convenient branch locations
- Personalized service through member-owned cooperative structure
Associations and certifications
- NCUA
Services
Auto Loans
We offer competitive auto loans with flexible terms for new and used vehicle purchases. Our members benefit from dedicated support through the ACU AutoMall partnership, which streamlines vehicle selection and financing. Loan approvals consider individual credit profiles to provide tailored solutions.
Mortgage Loans
Our mortgage lending program provides fixed and adjustable-rate options for home purchases or refinancing. Services include HELOCs with competitive APRs and home equity loans to leverage property value for financial needs.
Credit Cards
We offer credit card solutions including balance transfer options with promotional APRs. Cardholders receive fraud protection and access to credit-building tools aligned with responsible financial management.
Savings Accounts
Our savings products feature tiered options for different financial goals, including high-yield money market accounts. All deposits benefit from NCUA insurance up to $250,000 with additional coverage for retirement accounts.
Online Banking
Our digital platform enables 24/7 account management with features like mobile check deposit, bill payment, and real-time transaction monitoring. The ACU Wallet App enhances accessibility for on-the-go financial management.
Questions
How do I become a member of Associated Credit Union?
Membership requires living or working in designated Georgia counties. Join online through our website or visit a local branch with required identification and a $5 minimum deposit.
What loan payment options are available?
Members can make payments through online banking, mobile app transfers, or automated phone systems. Non-ACU account holders can use external transfers with processing fees applying.
Are my deposits insured at Associated Credit Union?
Yes, all deposits receive NCUA insurance up to $250,000 per ownership category, with retirement accounts receiving separate coverage.
What digital banking services do you offer?
Our digital solutions include mobile banking with check deposit, bill payment, account alerts, and secure messaging through the ACU Wallet App available on iOS and Android platforms.
Do you offer business banking solutions?
Yes, we provide business checking accounts, commercial loans, merchant services, and specialized financial tools for Georgia businesses with dedicated relationship management support.
What are your branch hours?
Most locations operate Monday-Friday 8:00 AM - 5:00 PM with select Saturday hours. ATMs remain accessible 24/7 across all locations.
Reviews (6)
Kim Hamby
Dec 23, 2021
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When I visited, I was the only customer in the room. I filled out my deposit slip for shared branch banking and went to the counter. I was then told to stop, turn around, and sign in on an iPad near the entrance for "better customer service". I was the only person there. Why did I need to fill out a form just to qualify for a spot in line? Why did I have to receive a text alert telling me that a teller was open and could help me? I was the only customer in a room of bored tellers.
Honestly, I was going to open an account with them that day... but if I'm going to be turned away and
Honestly, I was going to open an account with them that day... but if I'm going to be turned away and
Steve-Ivan Salnave
Dec 08, 2021
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I had a 5 star experience at that associated credit union. I found the decor and environment very relaxing and well kept. All the staff members were very welcoming, and the two bankers that assisted me were friendly knowledgeable, quick and superb with there service. Thank you for a very excellent service.
Crystal Schumacher
Nov 28, 2021
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This bank will charge you a fee for having to call in to make your loan payment because their website is not working properly. Do not use this credit union. Too many other good credit unions out there with proper customer service.
Jasmine Makeup
Sep 22, 2021
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They all move very slow at this place as if people dont have other things to do . Seems like they always have new staff every visit . A goal for this branch particularly should 1. Keep fully trained staff and 2. Move faster .
Alex L.
Sep 05, 2021
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Financed a car through them. Despite making all payments two weeks in advance, I am constantly getting mail claiming I am behind on payments. When I called I was told they "put the money in the wrong place". They're negligence is likely affecting my credit. Absolutely terrible customer service with no concern for how their inadequacies are impacting their members.
Mark Hamilton
Jun 21, 2021
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The recent reviews are fake, these people work for the credit union like Brandee the lobbyist. These reviews were created to deceive members and counter-act the bad reviews written, which hides the issues that really exist. Management has treated me as if I am not a valued member by ignoring my concerns. I have been repeatedly lied to and given incorrect information over and over again. Management sends me emails without signatures so I cannot contact them by phone or identify their position in the company. I have been unable to obtain credit, with a 826 FICO because of errors ACU have made on
