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TAKE CONTROL OF YOUR STUDENT LOANS BY REFINANCING TODAY
With rates at historic lows and federal student loan payments restarting soon, now may be the perfect time to refinance your student loans. For a limited time, you’ll enjoy 3-months no payments and no interest¹ and earn $250²! Don’t miss out on the chance to lock in one low rate and unlock your future.
Learn MoreSee all terms and conditions
A Loan for all occasions
Get funding fast with a personal loan
We make the approval process easy and offer low rates and flexible terms. Funds will be deposited to your account in a lump sum, making a personal loan more favorable than a credit card. This is a perfect option for unexpected expenses, big-ticket items or debt consolidation.
Get Funds
Wish Tree
Help Provide Holiday Gifts For Deserving Children
The Georgia United Foundation's® Wish Tree Program collects new toys and clothing for foster children through local Divisions of Family & Children Services (DFCS) and similar organizations throughout November. Wish Tree wishes will be available on trees at our branches and online through December 8.
Donate to a child in need
You Shop. Amazon Gives.
Give back when you shop this holiday season—at no cost to you! When you shop on AmazonSmile, select the Georgia United Foundation® as your preferred charity and each time you make an eligible purchase, 0.5% will be donated to the Georgia United Foundation. Donations will be used to support causes and programs that help strengthen our local communities.
Learn More
Get Your Debit Card Instantly
If you're in need of a new debit card, but can't wait for the mail to arrive, we've got you covered. Stop by any Georgia United branch location and we'll provide a replacement card to you instantly!
Choose from several design options including our Georgia Bulldogs® Debit Cards to show your team pride everywhere you spend. Cards available for instant issue include our Bulldog Head and Georgia United designs.
Georgia Bulldogs Debit Card
Love My Credit Union Rewards
Being a member has its perks
As a Georgia United member, you can save money with our member-exclusive discounts through Love My Credit Union Rewards and Georgia United perks.
See Perks and Discounts
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The staff at Georgia United Credit Union are always extremely courteous and professional. I have been a member for several years and I've always felt that they were genuinely interested in my financial health. They truly go the extra mile to make sure the members are satisfied.
- Cristy L.
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Think of everything you would appreciate about a helpful, engaging and hassle-free banking experience. That is exactly what I received! I have already referred five people to Georgia United. I will definitely be working with your fine staff again.
- Michael D.
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I love that Georgia United is a not-for-profit bank! I tell all my friends to bank here. It's just an entirely different approach to banking that puts the customer first.
- Julie P.
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Throughout the pandemic, there has been a smooth transition to online banking while the in-person tellers were closed. I have been able to manage my funds via online banking and even purchased a new vehicle with the assistance of the Loan Processor with whom I was able to reach via phone or email at the touch of a button.
- Alexis M.
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I've enjoyed banking with Georgia United since we moved to Georgia. My entire family banks here. All of our financial needs are met. Everyone has offered us great customer service as well.
- Natasha B.
Total team member volunteer hours
Surcharge-free ATMs globally
CORONAVIRUS UPDATE
At Members First Federal Credit Union, masks are required when you are entering the branches. Our greatest priority is the health and safety of our members and employees. As such, we are closely monitoring the daily developments regarding COVID-19 (coronavirus) and are following guidance from the Centers for Disease Control and Prevention (CDC), the New York State Department of Health (NYSDOH) and local government officials. Read More about CORONAVIRUS UPDATE
Featured Rates
New Vehicle Loans
From2.50APRVisa Credit Card
variable rate7.25%APRUsed Vehicle Loans
From2.50%APRSignature Loans
From10.49%APRView all Rates
APR: Annual Percentage Rate; APY: Annual Percentage Yield
Transfer Your Credit Card Balance to Members First and Save!
- No balance transfer fee
- Pay back transferred funds at a low 4.99% APR*
- We'll even do the transfer for you!
*Limited time offer. Payback APR good through 12/31/18. Please see an Associate for complete details.
Auto Loan Payment Holiday!
- Book a new or used vehicle loan with Members First and make no payments for the first two months.
*All loans subject to credit approval. Please see an associate for complete details.
Debit Card Rewards
- Rebates up to $15 for ATM fees
- 10¢ back on debit card signature transactions
- 5% interest rebate on Members First consumer loans
- No account transfer fees
Save Time with our Mobile Banking App!
- Access all your accounts using your smartphone or tablet device
- Check balances & transaction activity
- Pay bills
- Find the nearest FREE ATM
- Deposit checks remotely
Learn More about mobile banking

Members First is part of the Shared Branch Network
Make deposits or withdraws at participating credit unions via the Shared Branch Network.
View Participating Credit Unions

CO-OP Network ATM Locator
Find a FREE Members First CO-OP Network ATM near you.
Locate ATMs
Members First News
Limited time no credit-check loans up to $2000.
Welcome to our new ADA-compliant website, now our vision impaired members are able to access the information they need, with efficiency and ease!
At Members First we pay you to use your debit card. Save money and earn cash back every time you use your Members First Visa debit card as a signature transaction. Our rewards program features:
- Rebates of $15 for non-network ATM fees*
- Payment of .10¢ for each debit card signature transaction*
- Rebates of 5% interest paid on Members First consumer loans*
- Waiver of internal transfer fees*
*A minimum of 15 signature-based transactions per month is required. Other rewards apply for fewer transactions. Loan interest rebate excludes mortgage and credit card loans. Please see any associate for complete details and to ask about signing up for debit card rewards.
Read all News
Account Login FAQ's. eStatus is our member account portal that borrowers will log into in order to make a loan payment, view loan balance, get account/mortgage loan information and more. If you are having troub...