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About Us

Credit Unions: Helping People Afford Life

The life most people are striving for does not include mansions, expensive cars and all the toys and exotic vacations one could want. For most people, they lives they want are more about middle class aspirations - a reliable car to get back and forth to work, a home where they can raise their families, a trip to the beach every year or two and saving for retirement or to send their kids to college.

The middle class is being squeezed. Hard. It’s more difficult than ever for people to afford the lives they aspire to achieve. The U.S. Census indicates households in the middle of the income scale have seen an 8 percent drop in income, and they are not rebounding. So how can working people achieve their middle class aspirations?

Credit unions exist to help people solve this problem. Quite simply, credit unions can help people afford life. With products and services like used vehicle loans for low-credit score borrowers, small value personal loans, savings programs, mortgages and accounts with fewer fees and minimum balance requirements, credit unions are tangibly helping those with middle class aspirations.

This notion of Helping People Afford Life is not just a slogan, but rather a goal that gives credit unions a sense of purpose. It is more than a lofty idea; it is what credit unions actually do. According to a recent comparison, credit unions pay members .24 percentage points more than banks on one-year CDs. Credit union members came out on top when it came to loans, too. Credit unions’ rates are 1.28 percentage points lower on 4-year used auto loans, .12 percentage points less on home equity/second mortgage loans, and 4.29 percentage points less on classic credit cards. Financing a $25,000 new automobile for 60 months at a Georgia credit union will save members an average of $107 per year in interest expense compared to what they would pay at a banking institution in the state. The Credit Union National Association estimates that direct financial benefits Georgia credit unions provide members totaled $124,094,530 or an average of $121 per member household in the 12-month period ending December 2013.

All the little ways credit unions save their members money add up to making members’ lives a little better. It’s what makes credit unions different from banks and what makes them a better choice for consumers.

Welcome to credit union membership with Powerco -- "Powering Your Financial Success" since 1935.

NCUA

This credit union is federally insured by the National Credit Union Administration.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 762143

Equal Housing Lender