I am a self-employed professional chainsaw sculptor, wholly dependent on my truck to operate my business. In the month of July, my wife and I bought a new home and welcomed a new baby within 5 days of each other! In August, our truck blew up! Because we had just obtained credit for the home, the banks would not approve us for an auto loan. Out of sheer desperation, we walked into a credit union we were not yet a
member of, told them what was going on and we were respected, listened to, and helped. Peach State FCU approved us for a loan with a 1/3 the APR the banks offered and for up to $36,000 more. Because of them, our business and our family are able to continue on this wonderful journey.

Christopher

Opening a credit card at Peach State was the best thing I've ever done...

I joined Peach State Federal Credit Union my second year of college when I planned to start building credit. I was lucky enough to get my very first credit card. Opening the credit card at Peach State was the best thing I’ve ever done. I was able to start an account the very same day and would end up using Peach State for everything. I completely left my previous bank and have never looked back. I was able to pay off my 3rd and 4th year of college without needing any additional student loans all because Peach State worked with me. Once I had my daughter and had to put off school I decided to get a debit card and regular credit card with Peach State. The staff has always been amazing and friendly. I’ve always been able to rely on them to reach out through email, text and phone calls. I have never had to wait on a busy line for longer than maybe 5 minutes. This year I was so fortunate to refinance my car through and pay it off in July. My story is constantly growing. I adore Peach State and I recommend it to everyone!

Caitlin

I recently lost my father to early onset Alzheimer’s. Prior to this, we had to place him in a nursing home and I needed to take out a Signature loan to help with some immediate expenses. I had just taken out a car loan and redone a mortgage, I’m not sure if I would have been approved at another bank. The branch manager in Athens was so nice and so understanding. She made the entire process quick, enabling me to get out of town quickly, as my father lived in Louisiana. I have never forgotten the kindness Melissa showed to me during my time of need.

Renee

I've never had someone to explain to me how essential it was to have great credit when I was younger...

I’ve never had someone to explain to me how essential it was to have great credit when I was younger, which caused me to make a lot of costly mistakes. With a not-so-perfect credit score I cannot purchase anything without having a cosigner. Being a single mother of 3 and having a stable job for 7 years I was determined to try my luck and see if I could get another chance at purchasing a vehicle myself with no help. Peach State gave me that chance and I now have a great car! Thanks for believing in me.

– Mattie

Visit www.peachstatefcu.org to discover the many ways Peach State can help you with your journey!

Peach State was there for me and my family when I least expected it...

Peach State was there for me and my family when I least expected it. I walked into the branch on Broad Street in Augusta, Georgia, one day to check my balance. The teller, Deedee, told me about the personal loan application and a processing fee of $25. I was hesitant because that was my last $25, being a single mother of two and my next pay check was about 2 weeks away. I took the application and filled it out. Processing didn’t take longer than two business days, A representative called me and informed me that I got approved for my personal loan. I was a little shocked, due to my current credit status, but the process went really smooth. They set me up with an easy payment plan (the money was automatically withdrawn from my account) and I was able to pay the loan off within a year’s time. Deedee also encouraged me to start a savings account with the money I had been making the loan payments with.

– Jamie

I am a mother of 3 and grandmother of 1. Besides having a full-time job, I was also a college student. I graduated in September 2018 with my Masters in Accounting and Finance Management. That degree didn’t come with grants attached. I had to apply for loans. I was blessed by Peach State with a scholarship this year to help me with my expenses. I am also thankful for the quick loan. On multiple occasions from annual vacations to emergency issues, I have been able to borrow funds and per pay check, pay them back. I am truly thankful.

Angela

After several rejections from other banks, a friend suggested Peach State Federal Credit Union...

Years ago I lived in Athens, Georgia. After several rejections from other banks, a friend suggested Peach State Federal Credit Union. To my surprise I was able to open an account here. I have had many financial setbacks since then but I have always been able to maintain my account at Peach State. I have had the opportunity to open accounts where I currently live but I never have. The staff here has always treated with the dignity and respect I believe every person is due no matter what your background is. They keep an eye on your accounts too and if they even suspect some type of fraudulent activity they are quick to respond and to let you know. I believe that all of the employees I have had the pleasure of doing business with whether in person or on the phone are absolutely the best. I want to thank each and every one of you as you continue to serve the community. Thank you for your kindness, and your excellent customer service. I truly enjoy being part of this family.

– Beverly

He told me that I had disability insurance on my loan...

I purchased a 2007 Audi at the Winder location. It was a great experience, yet the amazing part came when I became disabled due to illness. I received a call from Thomas [in Member Solutions] asking if there was a problem causing me to get behind. When I explained, he told me that I had disability insurance on my loan. I was totally unaware. He got the forms to me and gave me time to get them prepared. He still checks in when a new form is needed. His first words are always inquiring about my health. What a way to let the customer know they matter in good times and bad!!!! A lot of businesses could take a lesson from Peach State FCU.
-Carolyn

In July 2014 my car was stolen and totaled all in one night. I didn’t know what I was going to do...

In July 2014 my car was stolen and totaled all in one night. I didn’t know what I was going to do. I had only 7 months left to pay my car off but now it was gone. So, I was looking around everywhere for a car. Because I worked 17 miles from my home I needed a car so I could keep my job. I was denied by so many dealerships and other banks would not help me. I was crushed and I almost gave up hope. My cousin told me she went to Peach State because her credit was bad also. The next day I called and spoke with someone and they told me step-by-step what to do. The process was easy and uncomplicated. After I filled out my application and looked for the car I wanted I was called back in just 3 days with an approval. I dropped to my knees and thanked God for Peach State because not only did they put me in my first new car ever, they helped me keep my job and my credit score went up. I felt revived because I really had given up and Peach State brought my optimism back to life. I want to tell them thank you for taking a chance on me when no one else would. I love y’all. Stay blessed for giving blessings.
– Diane

I went to many car dealerships to replace my vehicle. I had a little, used sedan for over 6 years. My students wouldn’t stop asking me “when are you going to get a new car?” After Hurricane Irma, my car flooded. Water would leak through whenever it rained or I went through a car wash. My car was no longer safe–locking up on left turns, leaking coolant constantly, and a broken sunroof that couldn’t get me any relief on hot, summer days.

I couldn’t think of getting a new car, not after moving and a pay cut. The dealerships pushed me around and tried to put me in damaged, used cars and encouraged me to take out loans with obscene interest rates. But Peach State Federal Credit Union was there for me. I had no idea that I could get such a reasonable interest rate and a new car without breaking the bank. Thanks to Peach State, I can get to work safely transport our school’s fundraising materials without them getting soaked in the rain.

Natalee

Instead of paying the required payment he wrote a huge check that would have emptied our account and caused many checks to bounce...

Several years ago when our children were younger my husband and I were working full time and juggling 3 busy children. One day when my husband was paying bills the old fashioned way he accidentally wrote the check for the amount that was our balance and sent it to a credit card. Yes, instead of paying the required payment he wrote a huge check that would have emptied our account and caused many checks to bounce. A wonderful employee at the Lawrenceville branch calmed us while we contacted the credit card company to cancel the check. She went over and above to help us with our anxiety and stress. I even wrote Peach State’s president to let them know just what a valuable employee they had. We continue to use Peach State and appreciate the friendly customer service we always receive.

Kathy

I started a savings program with Peach State a couple years ago to help my husband and I out during the winter months.  Immediately following Christmas we celebrate our wedding anniversary, my mother’s birthday, my daughter’s birthday, my father-in-law’s birthday, and my birthday.  By the end of January we are always flat broke.   My husband and I are raising two children, and it’s not easy to buy what they want for Christmas, let alone buying gifts for all those birthdays!  The savings program allows me to save just enough money that I don’t miss it throughout the year, and when I pull what we need out around Christmastime, it helps us drastically.  Doing this allowed us to buy my daughter the phone she wanted for Christmas last year without us getting behind on our bills.  I’m thankful to have a savings program that I can access easily at Peach State!

Lisa

My wife and I were in need of new cars and we were getting turned down everywhere...

My wife and I were in need of new cars and we were getting turned down everywhere, but at Peach State, they got both of us into cars. We also got loans for Christmas for the kids that really helped us out in our time of need. We really appreciated them coming through for us when no one else did. Thank you Peach State!!

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– Bruce

I visited Peach State and was set up with a share secured loan that helped me improve my credit and give me a fresh start...

Several years back I made several bad investments that set me back and also hurt my credit rating. As soon as I was able to gather some funds aside I visited Peach State and was set up with a share secured loan that helped me improve my credit and give me a fresh start. My credit score has greatly improved and that is thanks to the Peach State staff member who listened my needs. For that I am truly thankful.
– Alen

Our financial issues started accumulating due to unexpected issues occurring around the home and such...

Our financial issues started accumulating due to unexpected issues occurring around the home and such. Peach State was there for me and my family, and I received a personal loan that helped to organize and combine my debt and reduce the interest rates that I was accumulating using credit cards for unexpected and unplanned moments. Thank You Peach State and the Winder branch for all your help!
– Michele

Peach State FCU awarded me a $2,000 scholarship for continuing my education. I was a single mom, in graduate school, and teaching full-time and the money helped to take a burden off of me so that I could focus on helping others instead of having to stress about how I would pay my tuition along with all my other bills and expenses.

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Rebecca

I am a paraplegic that is bound to a wheelchair and for years I had a car that I drove and was able to fold my wheelchair up and put it in my car. My husband and I also have 2 children. With the wear and tear on my arms from lifting my wheelchair for so many years and getting our kids in and out the car it was getting way too hard to do anymore and we needed more space as well. I had applied for us to get a loan for a mobility vehicle several places and nothing worked out. Finally, a van became available that had everything I needed on it but we still didn’t qualify for a loan anywhere. We came to Peach State, applied and was approved. It was one of the happiest days for me because it meant no more pain trying to get in and out my car and plenty of room for our family. This made a huge difference for our family but so much more for me. It saved me having 2 shoulder surgeries from lifting my wheelchair and helped my independence. We have now paid that loan in full and are very thankful for all the help from everyone at Peach State that made this possible. Thank you all so very much!

Crystal

I have been a member of Peach State since 2006...

I have been a member of Peach State since 2006. They were South Dekalb Church Federal Credit Union when I joined. I can’t begin to explain how much I love my credit union. Ms. Benita, Branch Manager of the Panola branch is my go-to girl. She has helped me with credit issues, family problems, and always a kind smiling face when I go into the office. She recently helped me start my 15 year old daughter an account. It was such a blessing that Ms. Benita had known her from coming to the credit union with me throughout the years and could help her open her first account. Her banking experience has been great because of that. I truly appreciate and enjoy just stopping by to give a hug or receive one. I’ve referred many of my friends to Peach State. One purchased a car and others opened accounts. Peach State has been wonderful and I enjoy being a member. I was so happy when I started working for Gwinnett County Public Schools and Peach State was their preferred credit union. It made my transition so easy.
– Jacqueline

Thank you Peach State for putting me in the car I wanted at the payment I wanted...

I have been banking with Peach State for about 7 years but never had the need for a loan. Last spring, I was considering purchasing a new Jeep if I could get the monthly payment I felt comfortable with. I had test driven one and fell in love with the car and decided to “go for it”. I allowed the dealership to obtain financing options for me which came back at 6% interest rate and a payment $100.00 per month more than what I wanted to pay. I was so disappointed and almost decided to keep my old car. At the urging of my husband I applied for a loan (online, so easy) with Peach State, expecting the same loan terms. Imagine my surprise when Tatanya called and told me I qualified for a loan at a lower interest rate and the payment I wanted! Tatanya was great and shared in my excitement, she was so fun to work with.  If I ever need another loan I will go to Peach State and I hope to work with Tatanya again. What a great experience! Thank you Peach State for putting me in the car I wanted at the payment I wanted, if it weren’t for you I would still be driving my 12 year old car.

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– Jennifer

Banking with Peach state has been a financial blessing to our lives...

Banking with Peach state has been a financial blessing to our lives! My husband and I have had all of our auto loans through Peach state Federal Credit Union. The interest rates could not be beat anywhere else and we have always had an excellent experience with the staff. As a member, I was able to finish my bachelor’s degree with the help of a Career Advancement scholarship from Peach State. This scholarship helped fund my education so I could accomplish my career goals and change my family’s future!

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– Bobbie

This brief story is also a personal thank you to not only the staff at the Jefferson location but all Peach State employees. I was one of probably many members who occasionally get an unauthorized transaction on their account. Mine was for around $200 which I happened to notice. As a waiter at a local steakhouse and a second dad to my brothers 4 boys, this put myself and my family in quite a pickle. This was the first time this has ever happened to me and I wasn’t sure what to do. Nike wasn’t much of any help but when I went in to discuss the situation with my local branch tellers I felt much better about the situation. Carla helped me fill out the proper paperwork in case the funds did not come back right away and got me going on a new debit card. It all worked out fine as Carla was keeping an eye on my account and informed me daily about what was going on. I can’t thank you enough for the quick resolution and support from the Peach State staff. Thanks again!

Matthew

Peach State guided me through securing a credit card and a car loan...

Due to a massive amount of debt from a divorce, I had to file for bankruptcy. I was embarrassed and feared that my credit would be destroyed for many years to come. Peach State guided me through securing a credit card and a car loan. With Peach State’s confidence in me, I was able to recover quicker from this last resort financial crisis to a healthy credit score within a few years. Since then, I have been able to manage my money better and have even refinanced my home.
– Denton

I have been a member of Peach State FCU for at least twenty years...

I have been a member of Peach State FCU for at least twenty years. I decided to move my checking and savings accounts to a large bank in order to use their many bells and whistles. First my checking account was hacked twice in one week. My money was replaced by the bank. Second, my savings account was hacked on three different occasions. My money again was replaced. Well I was smart enough not to close my accounts at Peach State. I decided to come back home to Peach State. Now I sleep well and my heart is at peace. I feel that my accounts are secure.
– Cecilia

Peach State FCU gave me a shot and it helped me gain credit to open credit cards and other loans...

Peach state is a great credit union. They have helped me by giving me my first, then second loan. GREAT, right? I was excited because being a person that was trying to establish credit, they gave me a shot and it helped me gain credit to open credit cards and other loans. Thank you Peach State for your helping hands.
– Lashawanda

Peach State helped during a time when my mother was very sick and we were getting her affairs in order. I needed to be added to her account so I could handle her financial matters while she underwent chemotherapy. Peach State was there for us making the process simple, quick and painless. The ladies at the branch in Jefferson, Georgia were kind, helpful and consummate professionals. My mother passed away more than 3 years ago but I am still a member and that’s because Peach State doesn’t just care about the money, they care about their members. That is something you very rarely find today.

Karen

When I couldn't make ends meet, this credit union came through for me every time and hasn't let me down yet...

Peach State has been there for me since 2005. I have been applying for personal loans with Peach State since 2008. When I couldn’t make ends meet, this credit union came through for me every time and hasn’t let me down yet! Four months ago I had an unexpected hardship, my car breaks down, my rent was due, and I need to pay both. I literally had no choice. Thank you!!!
-Rudolph

In July 2014 my car was stolen and totaled all in one night. I didn’t know what I was going to do...

Two years ago our son Spencer was born 3 months early. Among all of the gifts, he received lots of cash. We were very fortunate to have received a lot of items he needed. We wanted to put this money in a savings account for Spencer, but at the time there was not a child’s savings account at Peach State. We put his money in a piggy bank. We were so glad when the Berenstain Bears Cub Accounts became available. Both my husband and I work for Gwinnett County Public Schools and have loved banking with Peach State and now we can trust our son’s money with Peach State as well!!
– Lindsay

Peach State has helped me and my wife on numerous occasions. My wife wanted a car. The original lender gave her a higher interest rate. She refinanced with Peach State and got a low interest rate and lower payments. The process was fast and easy.  In another instance, we were buying a motorcycle from a private seller. We called Peach State and once again they helped us with the loan.  My wife was so impressed with the way Peach State helps their customers, she left her bank of 20 years and opened new checking and savings accounts at Peach State. Thanks Peach State!!!

Freddie

I was able to get my mom, dad, and boyfriend to join Peach State and get cars from them...

Peach State has helped me in so many ways. Years ago I wanted a car, and I didn’t have much credit at the time… A guy named Norman from MEMBERS AutoChoice [Peach State’s vehicle-buying service] walked me through it, and he helped so much, and made the process stress free. In doing this I was able to get my mom, dad, and boyfriend to join Peach State and get cars from them. Since then I’ve gotten a personal loan which was also stress free, low payments and didn’t take long to pay off. I also have a credit card with them, which is also great. Interest rate is low, no hidden fees, and any time I have a question, they are always willing to help me. Peach State is an amazing credit union, and I highly recommend them to anyone.
– Amesha

I really appreciate Peach State for allowing me to assist my daughter without having to come into the branch...

Peach State has always helped me. I have a daughter in college in Savannah. Peach State has always allowed me to call over the phone to transfer funds from my account to her account, saving me a lot of time instead of having to leave work or go in late to make a transfer. I really appreciate Peach State for allowing me to assist my daughter without having to come into the branch.
– Sandra

I love banking with Peach State...

My husband has always been with Peach State. He was able to get loans for cars and other things. He always bragged on the greatness of the tellers and the rest of the staff. So when my husband suddenly passed away, I knew I had to open an account with Peach State. I love all the staff members. They are all so friendly, just like he always said! I love banking with Peach State.
– Mary

After couple years of health problems the opportunity presented itself to buy my dream car as a present for myself to lift my spirits. Found it at local dealership and she was a beauty. The dealership arranged financing through a lending company even though my credit wasn’t too bad. I proudly drove my “black beauty” until unexpectedly my son hydroplaned in the rain one night… thankfully he was not hurt, but my car ended up being totaled. The lending company agreed to let me get another car but someone told me to try Peach State FCU stating it would be a much better interest rate. I went into the Trion, Ga. branch and was assigned to Lisa, who was very personable and helped to ease my anxiety with the application process. She contacted me the next day that I was approved and within a week I found my next dream car. Lisa made it happen with payments within my range and a much better interest rate. I once again have my dream vehicle and this time with all the bells and whistles!! Now I have another “beauty” and I am so glad I contacted Peach State. I tell everyone I know who is looking for a car to go by and put in an application and see if they can make their dreams come true…. just like they did mine.

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Mamie

The people that work there are my family, at least they treated me like I was...

A few years back I was diagnosed with bone cancer and had to start chemo immediately. I had developed brain lesions that cause issues with memory, calculation as well as simple writing of checks. I wasn’t able to pay my bills online as before because I couldn’t remember how to. The staff at Peach State helped by showing my husband what needed to be paid and reminded him when he would come in to deposit his check. They showed him how to get direct deposit so he would not have to make a trip there. They also helped him to have the bills automatically debited from the account. We ended up using all of our retirement and savings to pay for the chemo and a year and half later, the transplant. We were able to refinance my car through Peach State to keep the car from being repossessed. I was able to keep my car and even lower the payments by almost $100 less. The people that work there are my family, at least they treated me like I was. They always ask about me. I’m truly grateful to Peach State.
-Brenda

It was a struggle and Peach State did what they could to assist my family...

I have been a member since the early 80s. I have always received professional and courteous service. I never realized the importance of Peach State until 1994. I was diagnosed with non-Hodgkin’s lymphoma stage 4 with a prognosis of 6 months to live, it was terrible financial strain on our family, 3 teenagers and my wife, Kathy. Three years went by and my lymphoma was put in remission, them more bad news I now had acute leukemia with a prognosis of 30 days to live. Once again, Peach State was very helpful through this ordeal. I traveled to John Hopkins Hospital in Baltimore for a bone marrow transplant, unfortunately there was no match. So, the doctors did an experimental bone marrow transplant with my son. I was away from home 3 long months while my wife took care of Joey, Tony, and Mary Pat. It was a struggle and Peach State did what they could to assist my family. I have also had bladder cancer but every day is a blessing like my family and my friends.

– Joe

I went online to order checks. They quoted me $84.00 for two boxes. I went into the bank to see if they had a better price on checks and the teller said she was glad I had come in because I could qualify for a senior [CU60 checking] account and get 100 checks each year at no cost. My account did not change in any way, and I left a happy person. I have received my free checks. Thank you Peach State.

Paula

With the support from Ms. Anita on how to raise my credit score, everything started to happen for me..

With the support from Ms. Anita on how to raise my credit score, everything started to happen for me. She went over all my accounts and encouraging me to pay them off and I’ve been doing so ever since. I appreciate the awesome friendship I have with my credit union family.
– Hamilton

Peach State cares about their customers and the things they need...

I switched over my accounts to Peach State and I applied for my first credit card and was approved within days. Peach State cares about their customers and the things they need. I now have a credit card with a low interest rate. Their customer service is amazing. If you’re not a member you really should join today.
– Shatwana

I would refer anyone to open an account with them...

I’m proud to be a member of Peach State! I just got a car from them and I love it! I would refer anyone to open an account with them. They are always friendly when you come in. I’m proud to be a member!
– Janice

Peach State FCU gave me a shot and it helped me gain credit to open credit cards and other loans...

Peach state is a great credit union. They have helped me by giving me my first, then second loan. GREAT, right? I was excited because being a person that was trying to establish credit, they gave me a shot and it helped me gain credit to open credit cards and other loans. Thank you Peach State for your helping hands.
– Lashawnda

This is a great place for anyone who wishes to get great service...

I have been with Peach State for 13 years and have been able to get a loan on 4 different vehicles and just recently was able to get a loan to get one of my vehicles fixed at an auto shop. This is a great place for anyone who wishes to get great service.
– Dwayne

When the market crashed in 2008 I was approaching my 30th year as a New York State Trooper. I found myself with difficult decisions. I had two very smart and driven teenagers that were in middle school and the mortgage for our home was now much higher than the market value. We made the decision to sell our home and move our family to Georgia where our children could take advantage of the Hope Scholarship. My wife and kids rented a home in Georgia while I continued my career as a New York State Trooper. For 5 years I would travel from New York to Georgia once a month for 10 days to be with my wife and kids. Upon retirement we set out on the journey to locate permanent housing in Georgia. I had always had accounts with Federal Credit Unions and so we prayed and God led us to Peach State to seek funding for a new home. The representatives and the process at Peach State went so smoothly. We were so pleased with every step; every transaction. We cannot tell you what the moment felt like when the representatives from Peach State informed us that we had been approved for the loan. After years of trying to find “home” we knew that Peach State was going to make that happen for us. Now we have more than we ever dreamed of and all that we could have ever hoped for. Thank you Peach State!

Craig

If you’re like Craig and need help finding a home, visit www.peachstatefcu.org to learn about our different mortgage options today!

I was in desperate need of a car and had been turned down by several different lenders...

A few years back I was having a hard time financially and had many odds stacked against me. I was in desperate need of a vehicle and had been turned down by several lenders. I was at my wits end when I walked into the credit union and asked to speak to the loan officer. His name was Chris. I shared with him my circumstances and pretty much told him all I had to offer at the moment was my word that I would repay a car loan in full and on time. Chris not only helped me locate a vehicle but he instilled hope in me. He made a loan happen for me so I could get reliable transportation. I have never forgotten what he did. Since then I have bought one other car through the credit union and refinanced the last one I just purchased with the credit union. Each time my experience has been phenomenal. I just recently refinanced all of our family vehicles with the credit union with help from Michelle and Daniel.

In 2012 I also called and asked for an unsecured loan to help assist with renovations to a barn that were needed for my daughters school project. At the time my debt to income was high because I had been piece milling jobs together. The outlook for such a loan was bleak. Again Chris assisted me with that loan so that my daughter’s dreams could be realized. The process was flawless and without agony as most loans are. That loan has allowed our family to pass the fortune to other young people as we host many students and their SAE projects in our barn. Because of that loan the Credit Union is helping more and more young people become productive citizens. I am thankful to the fine folks at Peach State.

Terri

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Great to be a member of Peach State FCU...

Great to be a member of peach state FCU. First of all I have been a member of USAA over 20 years, still a member but I had researched other avenues for local bank as USAA don’t have local banks, so I walked in to the Winder ga, Branch and walked up to teller and ask to open a checking account and savings, after opening account I ask to speak with loan officer to ask some questions about loans, and to my surprise I never thought usaa rates or customer service could be topped. Well long story short usaa got smoked on rates and customer service. Always a pleasure to walk in the door at your hometown bank and everyone in their say hi and call you by your first name. Winder Branch I Appreciate your hard work, professionalism and warm welcome every time I walk in.

Tim

I began banking with Peach State FCU (formerly Gwinnett Federal) at 15 years old and I’m now 31. I’ve reached many milestones in my life and Peach State has always been there. I started my first job at 15, the same year I began saving with Peach State. I enrolled in a savings account at the recommendation of my mother to save money for college. By going with Peach State, I was able to put my money in an interest-bearing account with no fees! By my senior year of High School, I’d saved enough to put myself through two years at the University of North Georgia. Upon graduation from college I decided to buy my first NEW car. I did my research, shopped for the best auto rate, and the lowest rate was from Peach State! I was extremely pleased with the service and convenience and I will be using Peach State for my next vehicle purchase… this time a 4-door for my wife and new baby. I will absolutely be going with Peach State. They’ve earned my loyalty and they’ve been there throughout my journey!

Alexander and his family

Alexander

Visit www.peachstatefcu.org to discover the many ways Peach State can help you with your journey!

Peach State reestablished my faith in financial institutions...

I had been having discrepensies with other financial institutions. I decided to try a credit union. Peach State is less than 1 mile from my job. It started out as convenience, but they have helped me rebuild my credit, approved me for a loan, and catered to virtually all of my needs. My personal banker Ms. Mary at the Beech Island location has been everything for me as far as customer service. I would not trade my Credit Union for anything in the world. Thank you Peach State Federal Credit Union, you’ve reestablished my faith in the financial institution.

Jerry and his car

– Jerry

We were able to close and move into our dream home...

I would like to give a big shout out to the best banker in the world – Danijela in the Suwanee branch! She’s been great over the years and incredibly amazing over the last couple months. She’s made our home buying process go smoothly by ensuring we had all of our banking documents in order. Thanks to her, we were able to close and move into our dream home. We don’t know what we would’ve done without her. We can’t thank Danijela enough! Thanks again to you, Jonathan and all of the Suwanee PSFCU staff! You guys Rock!

Fran's Dream Home

– Fran

My name is Keren Padilla and I am a teacher at Parkview High School. Two years ago, my husband and I made the decision that I would pursue a Master’s degree. Making this decision included not only figuring out where to go but also how to pay for it without going into debt. I wanted to better my skills and I also wanted to have the opportunity to teach at different levels. After searching for different programs, the opportunity of a lifetime opened itself up in Spain! I was accepted into a Master’s program at the University of Salamanca in Salamanca, Spain. Being a Spanish teacher, this would be a most extraordinary and unique opportunity. USAL is well known for its Spanish degrees and it is the University where famous Spanish writers like Unamuno and others actually taught. I applied twice for the Advance Career Scholarship with Peach State. The second time, I was a recipient of one of the $2,000 scholarships given to teachers who are pursuing higher degrees. We were over the moon thrilled. This allowed me to pay for my school and room and board for 2017. I finished my two summers abroad, I sent in my thesis and on October 18, 2017, I received a grade of “outstanding” for my thesis. I finished and now have a Master’s degree in Spanish Language and Culture. Peach State played an integral part in helping us acquire this dream, debt free! Thank you!

Keren and her family in Spain

Keren

What do you do when the home you have wanted for 20 years comes up for sale and you get turned down...

What do you do when the home you have wanted for 20 years comes up for sale and you get turned down and dragged around by other lenders? You turn to Marshall Boutwell and Peach State Federal Credit Union. He, along with Teresa, became our saviors and helped us purchase the home of our dreams. PSFCU looked at the reality of our situation, not made up Wall Street rules. In lending, one size does not fit all and PSFCU recognizes this. After rescuing us from the third bad lender; they handled everything professionally, quickly, and looked out for our best interests. When was the last time a lender did that? Our closing went so smoothly and we were so happy to join this outstanding group. Now I only refer other buyers to PSFCU and no other lender because every buyer should be treated with respect and care and that is what PSFCU does every day. Thank you!!!
-Regina

A few years ago my husband & I were in the process of getting a personal loan through Peach State Federal Credit Union...

A few years ago my husband & I were in the process of getting a personal loan through Peach State Federal Credit Union for some vehicle repairs. We had just purchased a new vehicle a few months prior with what we thought was a good interest rate. During the process of getting the personal loan, the loan officer asked if he could offer to get us a lower interest rate on our auto loan. Of course, I told him yes…thinking the whole time he wouldn’t be able to beat it. He called me back a while later & told me the good news. PSFCU had not only lowered our auto loan interest rate but had already processed our personal loan. The loan process was so easy, where we did everything online or via the phone. The staff was courteous, professional & most of all helpful. PSFCU has our business from now on for any type of loan we may need in the future!
– Belynda

A coworker once told me that Peach State Federal Credit Union could change my life. At first, I did not understand what he meant by that, until a year later after opening up an account. What he said was definitely true and I made sure to tell him “thank you” for giving me great advice. Being a single mother with two kids and no car can be stressful. I applied for a vehicle with Peach State FCU and I was approved for the Fresh Start Program due to my credit score. At last there was hope. I was so relieved that I would have a dependable car and the process was by far the best and easiest ever.

But wait, that’s not it. Every year I apply for a holiday loan to help with the year-end spending, which allow my holiday season to be enjoyable rather than stressful.

Let me not forget that the customer service I receive is always great with quick responses, as I typically contact them via email for convenience.

Thank you, Peach State for always being there and making life easier.

Washeka

Washeka

If you’re like Washeka and need help financing a car or some extra money around the holidays, then visit www.peachstatefcu.org to learn about our Fresh Start Auto Loan Program or our convenient Personal Loans today!

I needed a car but was facing some challenges...

I needed a car but was facing some challenges. I had been on a cash basis for so many years, it was almost like I didn’t exist. I didn’t think anybody would even talk to me. Then I found Peach State. They really surprised me. They walked me through the steps I needed to take to feel legitimate again. First I attended a financial education seminar and then I opened a checking account to help me establish credit. Then I got a Fresh Start loan so I could get the car that I so desperately needed. It changed everything for me. I don’t know where I would be today without Peach State. Read Lisa’s story and watch her video here.

Lisa

My experience with Wes was the most incredible banking experience I have ever had…I am 60+ years old and have had many relationships with financial institutions. He was very professional and customer service-oriented, something that is very hard to find in this business. He was extremely compassionate and caring. It was a very easy process and I really appreciate that!

Jacqueline

After being denied from countless banks and credit institutions for a simple checking and savings account...

After being denied from countless banks and credit institutions for a simple checking and savings account, I happened to stumble upon PSFCU, who immediately began the process of starting me with a for real, fresh start. Life without a debit card is challenging, and for someone who had lost all hope in obtaining this everyday necessity, PSFCU helped me to take control of my life. So thank you!
– Avery

Peach State helped me keep our family business from closing...

Peach State helped me keep our family business from closing. Just a small signature loan and our business could afford to purchase enough inventory to help us jump start our cash flow. We are now going strong and it is all because of PSFCU.
– Pamela

When I first moved to Georgia in 1977, upon recommendation of a fellow teacher, I immediately joined Gwinnett Federal Credit Union...

When I first moved to Georgia in 1977, upon recommendation of a fellow teacher, I immediately joined Gwinnett Federal Credit Union. Over the past 40 years I have enjoyed the friendliness and helpfulness of all the PSFCU staff. I have a checking and a share account and have had many car loans, etc. over the years and have NEVER once had a poor experience. Even though I moved and now live near Chattanooga, I will never leave PSFCU. You are the BEST!!!
– Darlene

Tera and PSFCU have truly become an extended family to us. I have been a member for a very long time and had no idea what an important role PSFCU would play in our lives. On July 6, 2005 I married an amazing man – Wes. Just one year prior he had been diagnosed with MS. We went forward not knowing what the future would hold. We began with my simple checking and VISA account, getting to know Tera and the branch as we built our new home in Jefferson. The market was booming in 2006, so we took advantage and received a home equity loan to purchase all the things a couple would need to fill and maintain their newly built home.

As the MS progressed Wes became legally disabled. We opened an account in his name to receive his federal disability and keep things organized. The MS continued to ravage his body and before we knew it he was wheelchair bound and in need of an accessible van. Tera was always there to guide us with each knew hurdle not knowing what was around the bend. As time passed, difficult questions had to be asked…important paperwork needed to be signed. In Tera’s office, with the most professional and caring demeanor, she helped us notarize Wes’ Advance Directives and DNR paperwork in the event of the unthinkable. The end was getting closer and in Wes’s final year, at the age of 48, it was necessary to move him into a nearby nursing home. Tera was once again at our service helping me arrange for a custodial account in order to keep track of the disability payments being sent to the nursing home. Upon Wes’s passing, Tera extended her empathy and assisted me in setting up an account for our 8 year old son, so that he may receive his own survivor benefits from Wes. Although all of this was obviously very difficult, I don’t know what I would have done…trying to accomplish all of this in the face of some big uncaring bank where you are nothing more than a number. Tera knew us by name.

PSFCU was our financial comfort in a time of great stress. I will always be grateful for the services they have provided us, but more so for the heart they provided them to us with. Forever your client, your family…

If you’re like Juanita and you need to make some home improvements or you’re considering purchasing a home, visit www.peachstatefcu.org for more information about our mortgages or Home Equity Loans. Read Juanita’s story and watch her video here.

Juanita

Really do not know where to begin. I have been a member for about 30 years or more...

Really do not know where to begin. I have been a member for about 30 years or more. In 1997, I was diagnosed with non-Hodgkin’s lymphoma. Without the help of Peach State my family would have been devastated. Through my personal loans, car loans and mortgage Peach State enabled us to survive with our 3 children. I later suffered from leukemia and bladder cancer, and every time Peach State provided my family with support and understanding. I know they treat their members by looking at each individual in a unique and caring way, providing professional help and advice. When life hands you lemons, Peach State is there to provide a glimmer of sunshine.
– Joe

My journey began in late February 2016 when I decided to sell my paid for motorcycle as I wanted something nicer and was strapped for cash. After selling my bike I was discussing with a friend and he informed me to look into Peach State Federal Credit Union as he uses them and recommended I just give them a chance. I took his advice and found the motorcycle I wanted which was way outside my price range but I figured I would just meet with the bank employee to explore all my options.

I tried to get an approval with a local bank giving them over 75% cash of the total of the sale and financing 25% but they did not want to lend the money. I remember my friend’s recommendation and went completely out of the way to meet with Shamima at the Five Oaks location. Shamima was extremely helpful and clearly explored all the options available for my situation and caught my interest with one of the programs she introduced me to. I did want to move forward in the secured motorcycle which gave me an EXTREMELY LOW APR versus the 24% from another lender. I was pretty sure I would not get approved for the motorcycle loan due to my credit score but later the day I applied Shamima called me to inform me that I was approved and they were ready to close.

I was so surprised to have been approved and they took care of everything as I told my credit union what I wanted and she took care of everything else to get this approved. After a closing of less than 15 minutes I had the money agreed to and was able to purchase the motorcycle of my dreams. I look forward to the first of the month so I can drive to this location and make my payments. I have noticed that after several months of on-time payments my credit score has improved significantly. I feel if I didn’t meet with any of the service team from PSFCU I would not have the motorcycle of my dreams. I cannot express how quick, easy, and professional this process was from start to finish. I can’t wait to get this paid off and purchase something else so I can finance my needs through PSFCU. I appreciate all the hard work you have done to get this loan approved.

Cody

I would like to thank two Peach State team members for going above and beyond the call of duty to assist me during difficult times...

I would like to thank two Peach State team members for going above and beyond the call of duty to assist me during difficult times. I met Chris when I opened my account in 2012. My credit was upside down due to past issues that were out of my control. Chris encouraged me to remain positive and to work out a plan to get my finances back on track. He took a huge chance and approved my first Unsecured Signature Loan, which I repaid according to the terms of the loan. I applied for 2 more loans which he approved and I repaid. Eventually he approved me for a vehicle loan through the Fresh Start Program and I have remained faithful with my payments, skipping only ONE payment in a 3 ½ year period, due to missing time from work because of my husband’s illness and hospitalization. Thank you Chris for believing in me and for your generosity!!! Kelly overwhelmed me by going well ABOVE and far BEYOND what I expected from a financial institution. Once again I faced a period of financial hardship caused by missing time from work due to the illness of my son. The financial pressure was mounting and I had no clue what to do. I had decided to return my vehicle because I didn’t know if I could continue to make the payments so I called Peach State to let them know. I spoke with Kelly who informed me that I had other options and she assisted me in a plan to help me get back on track. I thanked her, we hung up the phone and I thought that was the end of it. Hours later I received an email from Kelly only to find out that, without my asking, she took a step further and went the extra mile to speak with her supervisor and got the approval to present an option to me far greater than the previous offer!!!!! Needless to say, I was truly overwhelmed and grateful. It felt as if a great burden had been lifted from my shoulders! I never expected that kind of service from my bank. Of course I want to thank God FIRST and I also want to thank Chris and Kelly for all they have done!!! Grateful member since 2012! I would highly recommend Peach State to my family and friends!
– Debra

I suggest you take a bite from this PEACH!
I’ve been a member of the credit union since it was South DeKalb Church FCU. I have not had one regret! My desire to continue with any bank is because of the customer service that I receive and Peach State Federal Credit Union has delivered. I’ve applied for loans and even on small loans the employees, Leslie and Jennifer, have been professional and thorough in explaining everything. There’s nothing wrong with the drive thru for those who choose to go through. However, I look forward to going inside because the customer service and employees are great! I am a community volunteer and I must thank Peach State management for their heart to help the community too. They donate items for the Breast Cancer Foundation and even donate calendars for me to give to the people who donate blood through the American Red Cross for which I am a blood drive organizer. The donors love them and American Red Cross appreciates them. Peach State FCU is true to its name in the State of Georgia. They are smooth, beautiful and sweet to the members and the community. If you need a great place to handle your funds, loans and investments, I suggest you take a bite from this PEACH!! You won’t be sorry!!!

Paula

I have been a member of Peach State Federal Credit Union for many years...

I have been a member of Peach State Federal Credit Union for many years. This past year I lost my father and Peach State helped me with the closure of his affairs. While settling his affairs the checks from different places continued to come in for the payments to be made. With simple processes already put in place by the credit union this helped me to expedite his affairs. I recommended this credit union to my father because of the quality of service I have always gotten. Even after his passing you all continue to give excellent member service and truly care about the members; because of this I will continue to recommend you to others. Thank you in advance and have a great day.
– Shannon

I have been a member for quite some time because the service is unparalleled...

I have been a member for quite some time because the service is unparalleled. Everyone in the branches take pride in knowing their members and are always happy to help. But one experience still means a great deal to me.

In 2010 a family member was going through a very tough time and was experiencing severe health challenges stemming from a broken back. He was unable to work and in severe pain anytime he moved.
Due to being unable to work they did not have insurance coverage. Their previous bank accounts elsewhere were closed due to not having much money.

But the staff at Peach State saw him as a person who needed help in a time of great despair. Because of their compassion we were able to open up a bank account in his name and began a fundraiser.
The fundraiser was a great success and we raised nearly $10,000 for his surgery. He was able to return to work and rebuild his life.

Peach State Federal Credit Union helped a family who had almost nothing to offer in their time of need. They took the first step to help a family, and that desire to help a family in their time of need is why I will remain a member for life.
– Mike

Peach State FCU has been so good to me and my family. I came to Peach State for help in purchasing my first car...

Peach State FCU has been so good to me and my family. I came to Peach State for help in purchasing my first car. I have never bought a car by myself and was scared to death of the process and frankly didn’t know if I could even afford one. The team at Peach State made the process so easy and put me at ease when making such a big decision. We set up the loan and worked out the monthly car payments, insurance and so forth. It was the best possible experience I could have hoped for.

Later that year I came back to Peach State FCU for help with my student loans. I sat down with a counselor to discuss my options. My student loans were quickly spinning out of control and I needed to lower my interest rate from my current student loans account (not at Peach State), and make the payments manageable and save for my future at the same time. They took the time to go through all the options available to me at the time. Together we created a plan to move towards the future of being debt free, and I am almost there!

Six months ago, I sold my first car that I purchased with the help of Peach State and upgraded a bit due to their help in setting up a savings goal years ago. This process was just as wonderful as the last. A team member sat down with me and we worked out how much I could spend, what my monthly payments would be and within a few days I had found and purchased my new car. I have been so happy with my experience at Peach State.

My entire family are account holders at Peach State FCU now. My dad, mom and sister have all used the help of Peach State FCU in the purchase of vehicles. They have helped my sister and I plan for our future and make smart decisions as we are moving out of debt due to student loans and stepping into the next sector of our lives. I am sure Peach State will event help me in purchasing a home in the future. Their customer service and kindness are something you will not soon forget, by the end of your interaction you feel like family. I will be a member for life!
– Maggie

All loans are subject to approval. Rates may vary depending on each individual’s credit history and underwriting factors.