[a_springfield]

What is your take on credit unions? I have had it with Wells Fargo already and I am looking for a new bank/credit union. Georgia's Own is the only one that I believe that I qualify to join right now. Do you know any others?
Thanks

 

[NTA]

Delta

if you have ever seen an airplane, you qualify

 

[Adam5]

We are very happy with Georgia's Own. :righton:

 

[a_springfield]

Delta

if you have ever seen an airplane, you qualify

does Delta have any stake in it?

 

[timbrubaker]

Been with Georgia's Own since 1975. Great experience.

 

[a_springfield]

Been with Georgia's Own since 1975. Great experience.

how are they on auto loans?

 

[RickN]

Timely topic for my situation.

This week, I closed my 2 Georgia Federal-First Union-Wachovia-Wells Fargo accounts that I opened back in 1985. I was a Crown account: keep $4000 combined in the accounts and I get a laundry list of services fee-free in exchange. Over the past 6 months, one fee after another has been reinstated. The final straw was the $7 download-transaction-into-quicken fee that started in September. The $4000 minimum still applied, though, in order to avoid a $20/month maintenance fee.

I opened 2 Georgia's Own account the next day and I spent 2 months getting all the direct deposit, etc moved over from Wells Fargo.

I walked into Wells Fargo last Tuesday and closed the accounts. I don't know how many 25-year old accounts walk out the door but the account manager at the bank commented "Wow, we must have done something to upset you." Yes you did.

My 21-year old son is now looking at buying a car. He may move his account to Georgia's Own just for the car loan rates.

 

[a_springfield]

Timely topic for my situation.

This week, I closed my 2 Georgia Federal-First Union-Wachovia-Wells Fargo accounts that I opened back in 1985. I was a Crown account: keep $4000 combined in the accounts and I get a laundry list of services fee-free in exchange. Over the past 6 months, one fee after another has been reinstated. The final straw was the $7 download-transaction-into-quicken fee that started in September. The $4000 minimum still applied, though, in order to avoid a $20/month maintenance fee.

I opened 2 Georgia's Own account the next day and I spent 2 months getting all the direct deposit, etc moved over from Wells Fargo.

I walked into Wells Fargo last Tuesday and closed the accounts. I don't know how many 25-year old accounts walk out the door but the account manager at the bank commented "Wow, we must have done something to upset you." Yes you did.

My 21-year old son is now looking at buying a car. He may move his account to Georgia's Own just for the car loan rates.

I am 22 and in need of a car loan but wells has ruined Wachovia

 

[Nothclif]

+1 for Delta Community Credit Union.

 

[RevolverDan]

I've been with Georgia's Own for 10 years. You'll love them.

Whoever asked about auto-loans, they will not give a loan to just anyone...but their rates are the best around. A+ credit can get a 3 yr loan on a 5 yr old car for 0.9%. That is not published, but it exist.

 

[Aberk]

Delta

if you have ever seen an airplane, you qualify

Delta has a sign that says no firearms...I wish I had seen that before I got my truck loan.

 

[timbrubaker]

Been with Georgia's Own since 1975. Great experience.

how are they on auto loans?

Haven't had a car loan with them, but they're great on mortages, and I've OC'd in the Conyers branch numerous times in the past year.

 

[Own Defense]

I use this one, Georgia federal credit union, https://www.gfcuonline.org/index.asp

 

[BattleSausage]

Ditto here guys. We went with Lockheed here and am currently in the process of getting all the stuff swapped over. I must say that Lockheed's rates were much better than Wachovia/Wells. One main draw was the high rate checking which is a 3.5% interest rate with no minimum amount. We normally put a pretty good amount in there and that rate is good to $25,000 so we are taking advantage of that. Plus we moved our savings over and got a better rate on that also. I have a friend that is pulling his money out of his CD's since they dropped the rates on him and splitting them into a couple of high rate accounts for the interest. Credit unions are definitely where it's at, and it's funny that so many old timers were right. Big banking is for the birds, before long we'll be back to pawn shops as the main creditor and the bartering system if things keep up.

 

[GAGunOwner]

Ditto here guys. We went with Lockheed here and am currently in the process of getting all the stuff swapped over. I must say that Lockheed's rates were much better than Wachovia/Wells. One main draw was the high rate checking which is a 3.5% interest rate with no minimum amount. We normally put a pretty good amount in there and that rate is good to $25,000 so we are taking advantage of that. Plus we moved our savings over and got a better rate on that also. I have a friend that is pulling his money out of his CD's since they dropped the rates on him and splitting them into a couple of high rate accounts for the interest. Credit unions are definitely where it's at, and it's funny that so many old timers were right. Big banking is for the birds, before long we'll be back to pawn shops as the main creditor and the bartering system if things keep up.

I'm with LGE too and love it. I do the high-rate checking too.

I've never seen a no-guns sign at a location that I can remember.

 

[cwats04]

+1 for Georgia's Own

i have had an account with them since i was born (24 years) and they are great. they have never said anything to me the few times i did OC in there and the tellers know me by name.
I never got that with wachovia and sure dont expect to get that from Wells Fargo now. The only reason i keep my account with Wells Fargo now is just because i have a totally free account that doesnt cost me anything to keep open.