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CUGA CONNECT: Summer Edition Membership Newsletter
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Buying a home may feel out of reach right now, but homeownership could be closer than you think. Credit Union of Georgia now offers FHA, VA, and USDA government-backed mortgage loans designed to make buying a home more affordable with lower upfront costs, flexible qualification options, and competitive fixed rates. With options like low down payments, up to 100% financing for qualified borrowers, and credit score requirements starting as low as 600, these programs can help open the door to homeownership. Whether you’re a first-time buyer, a veteran, or looking for affordable financing in an eligible area, there are solutions built to fit your needs, and many options even allow gift funds to help with down payments and closing costs. The best part? You don’t need perfect credit or a 20% down payment to buy a home, you just need the right loan and guidance along the way. Beyond FHA, VA, and USDA loans, we also offer a full range of mortgage solutions including construction, land and lot loans, fixed-rate terms from 10–30 years, adjustable-rate mortgages, First-Time Homebuyer programs, and Community Partner products, all designed to help you find the right fit for your path to homeownership. Our Mortgage Loan Officers are here to help you explore your options and find the best fit for your goals.
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Credit Union of Georgia has been named a Best of Cobb winner for Best Credit Union and a Best of Cherokee winner for Best Credit Union and Best Investment Services for 2026! These annual awards are driven by community votes, allowing residents to recognize the businesses and organizations they value most in Cobb and Cherokee counties. We are incredibly grateful for the support of our members and community. It is a true honor to be recognized in this way. Thank you for your continued trust and loyalty!
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*APR = Annual Percentage Rate. 0% APR introductory rate available on balance transfers made within first 90 days of card opening for 12 billing cycles after the transfer is posted. A 3.99% balance transfer fee applies. After introductory period, your APR on balance transfers will be a variable rate based on Prime Rate. As of 12/11/25, rates range from 12.24% to 29.99%. Qualified rates vary based on card type and creditworthiness at the time of account opening. Balance transfers may take up to 10 days to post; continue to make payments until balance transfer is complete. **Rewards and Signature Rewards cardholders are awarded 20,000 points (equivalent to $200) when a cumulative total of at least $500 is spent on 5 or more qualified transactions within 90 days of card opening. Program, terms, and conditions are subject to change without notice. For other fees that may apply, call 678-486-1111 or see our credit card disclosure.
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Summer adventure season is here — time to upgrade your ride or add a new vehicle to the family. Credit Unions, like Credit Union of Georgia, use the money we receive in deposits, payments, etc. to reinvest back into our local communities. One key way we do this is through lower loan rates, allowing us to offer as low as 3.49% APR* on auto loans. Dealerships often count on buyers accepting the financing offered on the lot, but we believe in providing our members with transparent rates so they can make confident, informed financial decisions for themselves and their families. Compare the numbers for yourself: the average new vehicle loan rate in Georgia is 8.52%**, while the average used vehicle loan rate in Georgia is 12.57%**. These differences could mean hundreds of dollars saved per year in interest alone.
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*Annual Percentage Rate. **Average Georgia rates according to Edmunds.com. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on the year of the vehicle and an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia directly at 678-486-1111 for current rates, terms, and conditions.
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Just married—or planning to say “I do”? Marriage brings exciting new beginnings, and that includes combining your financial lives. While merging finances can feel overwhelming at first, creating a plan together can help set the foundation for long-term success.
From deciding whether to combine accounts to creating a household budget that works for both partners, important money conversations today can help avoid stress tomorrow. Couples should also consider reviewing credit, updating insurance coverage, plan for shared financial goals, and discuss long-term savings and retirement strategies. Building healthy financial habits now can help create a stronger future. Discover practical tips and guidance for navigating finances as a couple. Learn smart ways to merge your money and start building a financial future together with confidence.
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Important Upcoming Dates __________________________________________ Friday, June 19, 2026
Juneteenth
All Locations Will Be Closed Saturday, July 4, 2026
Independence Day
All Locations Will Be Closed
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