Georgia United Credit Union — Local services in Atlanta

⭐⭐⭐⭐⭐ 5-Star Review for Georgia United Credit Union – Special Thanks to Tina Kleiber

I wish I could give 10 stars. I cannot say enough wonderful things about my experience with Tina Kleiber, our Home Loan Consultant at Georgia United Credit Union.

From the very start, Tina went above and beyond in every possible way—not just professionally, but personally. Buying a home is emotional and overwhelming, but Tina brought calm, clarity, and kindness to the entire process. She didn’t just guide us through the mortgage steps—she held our hand through each one with patience, expertise, and genuine care.

Her communication was consistent, compassionate, and clear. She broke down each step so we could make confident decisions and always made us feel like we were her top priority. It never felt transactional—it felt personal.

Here’s the truth: we had active applications with two other lenders (one even had a slightly better rate). But we chose to close with Georgia United Credit Union solely because of Tina. That’s how powerful her service and support were. She made such an impression that she didn’t just win our business—she made us loyal fans of the credit union as a whole. We will be moving our business accounts over as well.

Tina is the kind of professional every company dreams of having—knowledgeable, deeply human, and 100% dedicated to doing what’s right for her clients. She is, without question, the reason I would recommend Georgia United Credit Union to anyone looking for a home loan.

Thank you, Tina, for making such a big moment in our lives so much better than we imagined. You’re truly one of a kind.

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Ok, I am rating the GUCU bank, not the location or the availability of ATMs or the tellers, even though I have had nothing but the best service from working with the tellers.

This review is on their online banking application. I use GUCU solely for running my two businesses. I love that I can have multiple checking and savings accounts within my one login, this makes it easy to transfer money from one account to another. Plus, I love using the Bill Pay feature and mobile app! I have never had a better experience with a bank app, and this small bank has the best tools and features I've ever encountered.

Also, this bank has the best interest rates on car loans, this is how I found this bank and their rates were a lot lower than my primary bank which is also a credit union too.

Finally, I purchase their Route 66 car warranty for multiple cars and it paid for itself in the first year! If your car is out of its manufacturer warranty, or close to it, I would recommend it. This purchased warranty doesn't cover labor and doesn't cover everything, and some things are negotiable if they deny your initially. I have a Hyundai Santa Fe that had turbo problems and I had to get it replaced 3 times and this warranty covered the majority of the cost. The car dealership found looseness in my steering wheel and fixed that too and that was covered by the warranty as well. I purchased this warranty when my car had 98k miles and it lasts me to 143k miles and was well worth it if you have a car with high mileage, just have to understand what it doesn't cover! It also provides...

I do not recommend using this credit union. Honestly, I feel like I’ve been scammed. Firstly, they deducted $5 from my account for each debit transaction I made. They will suggest you setup 2 accounts and give you one debit card for both. They charge you a $5 withdrawal transfer fee nearly every time you use the card. Out of the $500 I deposited, I paid $40 in “withdrawal transfer” fees. I never transferred money to an external account. I earned $.09 in interest. Yet, my 1099 states I earned $100.09, increasing my tax liability. I called to have this corrected over 48 hours ago and was told I would get a call back which hasn’t occurred. They will also deflate your credit score when applying for a loan. They calculated my score 85 points less than my actual score, which would have significantly increased my interest rate, so I declined it. They gave me some lame excuse about the ratios being different depending on the creditor; however, 85 points differential does not sound feasible even using that...