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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 My Georgia Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
My Georgia Credit Union's savings rates are at 0.25%. My Georgia Credit Union's money market rates are at 2.27%. My Georgia Credit Union's Personal Loan Rates are at 4.49%. MonitorBankRates evaluates the financial stability of My Georgia Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.67%. Rates were last updated on 04/19/2026. My Georgia Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at My Georgia Credit Union? Share your experience about My Georgia Credit Union by leaving a review below, or read customer reviews before you decide to use My Georgia Credit Union. My Georgia Credit Union
MyGeorgia Credit Union 2601 Limestone Pkwy
https://www.mygacu.com Gainesville, GA 30501 
My Georgia Credit Union Savings Rates
My Georgia Credit Union Money Market Rates
My Georgia Credit Union Checking Rates
My Georgia Credit Union Auto Loan Rates
My Georgia Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for My Georgia Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather My Georgia Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with My Georgia Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
My Georgia Credit Union
Website
https://www.mygacu.com
Address
2601 Limestone Pkwy,
Gainesville, GA 30501
Phone
770-534-4255
Fax
770-534-8005
President
Lamar Gailey
CEO
Joe Foster
Full-Time Employees
62
Part-Time Employees
0
Branch Locations
9
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.67%
Return on Assets (ROA)
0.8990%
Return on Equity (ROE)
8.0160%
Non-Performing Loans Ratio (NPL)
0.65%
Total Assets
239,372,345
Total Amount of Shares and Deposits
208,430,169
Total Shares and Deposits < 1 Year
208,430,169
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,782,486
Total Uninsured Shares and Deposits > $250K (F+J)
3,782,486
Total Insured Shares and Deposits > $250K (item 17 less item K)
204,647,683
Total Interest Expense (Sum of items 6 8)
2,618,671
Number of Accounts for Share Drafts
12,039
IRA KEOGH Accounts
104
Number of Accounts for Regular Shares
22,566
Money Market Shares
1,720
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
12,846,027
Total Liabilities
212,654,724
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About My Georgia Credit UnionIs My Georgia Credit Union a safe place to deposit money?Yes, My Georgia Credit Union is considered a safe financial institution. With a Texas Ratio of 3.6737655953015%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does My Georgia Credit Union operate?My Georgia Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join My Georgia Credit Union?Yes, to access services at My Georgia Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, My Georgia Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, My Georgia Credit Union provides members with tools to manage their accounts and build a solid financial history. Does My Georgia Credit Union offer online and mobile banking?Most modern institutions like My Georgia Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mygacu.com. Current My Georgia Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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