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Value-added services have always been a paramount issue for the members of the
Central Georgia Regional Credit Union.
Although we pride ourselves on our ability to provide friendly and knowledgeable, yet personal, service we strongly adhere to our promise to be "member driven".
In following this creed, we continually strive to offer the best array of
services to our membership.
Click on the following links to
view those descriptions...
Products
| Services | Loans
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View our
current online newsletter
or
view past editions
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Apply
for that loan now, Online!
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Looking for
that smart, investment decision, Check out our rates!
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- Savings
Share Savings
You automatically
open a savings account when you become a member of the Credit
Union. Your savings account earns competitive dividends based on the
average daily balance in your account.
Special Savings
Save for one of those
special occasions with one of CGR Credit Union's special savings
accounts. Deposit at your convenience or have regular
deposits deducted from your paycheck. Dividends are paid
quarterly.
- Christmas Club
- Vacation Club
- Kids Club
Capital Share Accounts
With a low minimum balance, the Capital Share Account
(Money Market account) gives you liquidity, instant access and a
high return on your investment. Dividends are paid
monthly.
The Advantage Capital Share
account offers you the same benefits plus a higher rate of
interest, no minimum withdrawal amount, free travelers checks,
and 5 free money orders/cashier's checks a month.
Share Certificate of Deposit
Certificates are
available for a minimum of $500. Terms range from 3 months
to 60 months and earn a competitive market rate. Dividends
are paid monthly.
Individual Retirement Account
Increase the value of
your income and protect your future with an IRA. An IRA
Share Account can be opened with just $25, and you can
make periodic deposits throughout the year.
- Share Draft
Checking
Choose from one of
four convenient accounts. All offer these advantages:
- No monthly fee with direct deposit
- No per check charges
- No minimum balance required
The Simply Share Draft account is a non-interest
bearing account.
The Plus Share Draft account is an interest bearing
account that requires a minimum balance of $1500 to earn
interest. Interest is earned on the average daily balance
and paid monthly.
The Prime Time Share Draft account, for those members
over the age of 50, offers all the benefits of our Plus Share
Draft account with a minimum balance of only $100 to earn
interest. In addition, this account also offers free
duplicate checks, travelers checks and 5 free money
orders/cashier's checks a month.
CU College Club Account is an interest earning,
no minimum balance share draft account for members ages 16 to
25. Members receive electronic statements, college
newsletters and yet pay no monthly service charge.
Enjoy the benefits and convenience of CGRCU's new "E" Checking account!
This account gives you unlimited access to our online Bill Payment service,
electronic monthly statements, copies of all paper checks through the online
statement at no additional cost, and online access to your account information
24 hours a day! Open an "E" Checking account today and get a 90 day free trial
period. After the free trial period, you will pay a low monthly service fee of
only $2 a month, or it is absolutely free with direct deposit!
- ATM/MasterMoney
Debit Card
A MasterMoney™ Debit Card is an
ATM card with an important difference: it carries the MasterCard
logo which allows you to use your card to pay for purchases
at over 15 million places worldwide. Each purchase made with the
MasterMoney card will be deducted directly from your Share Draft
Checking account. Tracking your monthly spending is easier
than ever because each debit card purchase is listed on your
monthly draft statement.
- Convenience
Services
Direct Deposit
Save time and have
your payroll, Social Security, pension or any recurring check
deposited directly into the account of your choice.
Payroll Deduction
Payroll Deduction is
the convenient way to save for the future, to manage your loan
payments or to make periodic IRA deposits. You can set aside a certain
amount from each paycheck to be automatically deposited into any
of your accounts.
Family Membership
Any family member
related to you by blood, law or adoption is eligible to enjoy
the benefits of Credit Union membership.
Special Services
In addition to our
great savings and loan products, you have access to these
services:
- American Express Travelers Checks
- Free Notary Service
- IPS Money Orders
- Timely Teller - 24 hour automated system
Online Bill Pay
Free with Direct Deposit
- Loans
Above all, CGR Credit
Union is a CREDIT Union. Loans are made to our members for
any worthwhile purpose. Repayment schedules vary;
depending upon the amount and purpose of the loan and are
subject to the approval of the loan officer. Any member 18
years of age or older may apply for a loan. Borrowing is
easy and convenient and you'll receive prompt service and the
most flexible terms available. Call or stop by today for a
current listing of loan rates and terms.
- New and Used Auto Loans
- Signature Loans
- Savings Secured Loans
- Home Equity Loans
- VISA
- Mastercard
- First Mortgages
- Student Loans
- Boat/Recreational Vehicle Loans
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