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My Georgia Credit Union

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My Georgia Credit Union Rates & Review June 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 23, 2026

You can compare My Georgia Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.90%, 6-month share certificate rates at 3.85% and 3-month share certificate rates at 0.20%. Savings rates are at 0.00% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.11%. All these rates can be compared to My Georgia Credit Union rates. 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 3.47%. Rates were last updated on 06/23/2026.

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.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.47%

Excellent Lower than avg

My Georgia Credit Union
MyGeorgia Credit Union

2601 Limestone Pkwy
Gainesville, GA 30501

https://www.mygacu.com

Current Rate Availability

We do not have My Georgia Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.47%

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

2026 MBR Health & Safety Badge

My Georgia Credit Union earned the Verified Strong badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About My Georgia Credit Union

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.