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Advertiser Disclosure
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 North Georgia Credit Union Rates & Review May 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.
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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: May 20, 2026
North Georgia Credit Union's IRA - 36 month rates are at 3.15%, Share - 24 month rates are at 3.15%, Share - 36 month rates are at 3.15%, IRA - 24 month rates are at 3.10%, IRA - 12 month rates are at 3.05%. North Georgia Credit Union's savings rates are at 0.20%. North Georgia Credit Union's Personal Loan Rates are at 10.90%. MonitorBankRates evaluates the financial stability of North Georgia Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.03%. Rates were last updated on 05/20/2026. North 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 North Georgia Credit Union? Share your experience about North Georgia Credit Union by leaving a review below, or read customer reviews before you decide to use North Georgia Credit Union. North Georgia Credit Union
Toccoa Corporate Office 695 Big A Rd
https://www.ngcu.org Toccoa, GA 30577 6023 
North Georgia Credit Union CD Rates
North Georgia Credit Union Savings Rates
North Georgia Credit Union Checking Rates
North Georgia Credit Union Mortgage Rates
North Georgia Credit Union Home Equity & HELOC
North Georgia Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for North 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 North 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 North Georgia Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
North Georgia Credit Union
Website
https://www.ngcu.org
Address
695 Big A Rd,
Toccoa, GA 30577 6023
Phone
706-886-1441
Fax
706-886-3757
President
Michael Herron
CEO
Brian Akin
Full-Time Employees
48
Part-Time Employees
2
Branch Locations
5
ATM Locations
5
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
3.03%
Return on Assets (ROA)
0.6720%
Return on Equity (ROE)
5.8286%
Non-Performing Loans Ratio (NPL)
0.47%
Total Assets
113,686,392
Total Amount of Shares and Deposits
98,900,357
Total Shares and Deposits < 1 Year
93,577,181
Total Shares and Deposits 1 3 Years
5,323,176
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,136,191
Total Uninsured Shares and Deposits > $250K (F+J)
4,136,191
Total Insured Shares and Deposits > $250K (item 17 less item K)
94,764,166
Total Interest Expense (Sum of items 6 8)
952,156
Share Certificates
661
Number of Accounts for Share Drafts
7,831
IRA KEOGH Accounts
492
Number of Accounts for Regular Shares
12,252
All other shares
1,546
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,102,234
Total Liabilities
100,579,058
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
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Add Your Rating and Review for North Georgia Credit Union
Frequently Asked Questions About North Georgia Credit UnionHow many branches does North Georgia Credit Union operate?North 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 North Georgia Credit Union?Yes, to access services at North 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, North 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, North Georgia Credit Union provides members with tools to manage their accounts and build a solid financial history. Does North Georgia Credit Union offer online and mobile banking?Most modern institutions like North 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.ngcu.org. Current North Georgia Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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