Peach State Federal Credit Union
Headquarters
1505 Lakes Pkwy Ste 100
Lawrenceville, GA 30043
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Reviewed by chipper1965 | June 2, 2023 |
Best financial institution I’ve ever dealt with.
2024 Overview
General Credit Union Information
Peach State is an NCUA insured institution located in Lawrenceville, GA. It was founded in 1961 and has approximately $934.74 millions in assets.
Who can join?
Peach State offers membership to the employees of our sponsor Boards of Education, and any select employee groups and associations. In addition, all persons who live, work, worship, or attend school in Athens-Clarke County are eligible to join. Membership is open to immediate family and household members of eligible individuals.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 14676 |
| Date Established | 1961 |
| Assets | $934.74 million |
| Loans | $607.36 million |
| Deposits | $843.04 million |
| Capital | $78.10 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship, or attend school in Clarke County, Georgia. Membership is open to the credit union's sponsor Boards of Education and Select Employer Groups.
Deposit Rates - December 23, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.35% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.15% | $1 | $99 | Learn More |
| Int Ckg
|
0.15% | $2,500 | $3,499 | Learn More |
Loan Rates - December 23, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Peach State
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.960% | 6.875% | 0.63 | $2,764 | $2,103 | Learn More |
NMLS ID: 2592312 License#: RM.805266.000 |
6.966% | 6.875% | 0.50 | $3,145 | $2,103 | Learn More |
NMLS ID: 3030 |
7.338% | 7.250% | 0.88 | $2,800 | $2,183 | Learn More |
NMLS ID: 3029 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
Learn More
More Info |
Note to Peach State
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Peach State branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Peach State Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 353.13 | A | View Lobby Hours | |
| 405.43 | B | View Lobby Hours | |
| 412.09 | C | View Lobby Hours | |
| 413.70 | D | View Lobby Hours | |
| 414.59 | E | View Lobby Hours | |
| 414.59 | F | View Lobby Hours | |
| 416.76 | G | View Lobby Hours | |
| 418.21 | H | View Lobby Hours | |
| 420.31 | I | View Lobby Hours | |
| 423.47 | J | View Lobby Hours | |
| 425.96 | K | View Lobby Hours | |
| 431.67 | L | View Lobby Hours |
Climate Policy and Initiatives
PEACH STATE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Peach State Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Peach State. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Peach State | U.S. Average |
|---|---|
| 3.37% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Peach State had $2,512,647 in non-current loans and $232,193 in owned assets. To cover these potential losses it had $78,097,969 in net worth and $3,294,933 in loans loss reserves. That gives it a Texas Ratio of 3.37%.
Net Worth
| Peach State | U.S. Average |
|---|---|
| 8.36% | 13.93% |
Peach State FCU has a net worth of 8.36% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Peach State
chipper1965
June 2, 2023 |
Best financial institution I’ve ever dealt with.
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