April 6, 2015
Do you need to build or repair your credit? How about boosting your savings? Building a positive credit history safely takes time and a financial partner who believes in you. Our Credit Builder and Savers Loan helps members do just that, without applying for high interest rate credit cards or going to a payday lender or finance company. This loan is ideal for members with no credit, or members who are recovering from previous credit problems, bankruptcy, or other difficult life circumstances. Satisfactory repayment will result in favorable consideration for future NWGACU loans. The loan proceeds must be deposited into a regular share account and a permanent hold placed on those funds until the loan is paid in full.
Quick facts about the credit builder and savers loan:
- Safe way to build credit or help repair damaged credit – 14% APR
- $500 loan to kick start your savings with affordable monthly payments
- Financial education on credit provided with each loan
- A report of your favorable payment history will be sent to the credit bureau
Qualifications to receive the loan include:
- Member at NWGACU for at least 12 months.
- Currently employed with the same employer for at least twelve months.
- Current on all loans at the credit union.
- Member must have a checking account with NWGACU.
- Payments may be made through payroll deduction, auto-transfer, mail or in person
- Capacity to make payments, as indicated by your debt-to-income ratio
- No negative balance in any account with us, as well as having caused us no previous unresolved losses
- Qualification will not be based on current credit bureau report.
- Score enhancement action plan must be completed.
- Direct deposit/payroll deduction is strongly encouraged.
- There is a $20 application fee.
Ready to get started? Apply here.
March 27, 2015
Our annual kids club Easter egg hunt is down in the books, and it was a huge success! Children were gathering eggs like egg-hunting professionals, finding candy, toys, and even money inside! If that wasn’t enough, we kicked it up a notch this year, giving out free Kaleido Sno snow cones to everyone that came out! It was a beautiful day, and we are so glad everyone had so much fun!
March 24, 2015
It’s time again to get to know more about your friends at NWGACU. This week you get to learn more about one of our unbelievable Financial Service Officers, Lisa! She lives in Rome and first began working at the credit union in 2010. We all know you love Lisa, so why not get to know her a little better? Here are some fun facts:
What do you like about working at NWGACU?: Helping people with their needs and helping them achieve their financial goals.
Favorite movie: Grease
What do you like to do with 30 minutes of free time?: …What’s that?! :)
Favorite ice cream flavor: Mint chocolate chip
Favorite food: Pizza
When you were 5 years old, what did you want to be when you grew up?: Dog groomer
March 2, 2015
Our Little Sprouts and Acorn Clubbers are due for some fun at the credit union! We’ll be gathering kids club members (ages 0-12) on the front lawn of the Redmond Road Office for an Easter Egg Hunt in a few weeks.
Thursday, March 26
Redmond Road Office
Mark your calendars now and join us for an awesome Easter Egg Hunt. There will be refreshments, eggs, prizes, eggs, fun, and plenty of eggs!
Do your kids want to participate, but aren’t members of our Kids Clubs? It’s easy to join! Find out more about our Little Sprouts (ages 0-4) and Acorn Clubs (ages 5-12).
February 23, 2015
At this point, it’s no secret we’ve been doing some work on our beloved Dean Street office.
After being closed all last week to finish up everything, we are very excited to unveil the new look of the branch! We hope you love it as much as we do!
February 17, 2015
One of the ways we demonstrate our uniqueness in the financial services world is by holding our annual meeting with our member-owners. Everybody knows that being a member-owner is better than being just a customer, right?
On Thursday, February 12, we held our 53nd annual meeting at the Rome Civic Center. Members had a great time celebrating their credit union with delicious food by Harvest Moon, a cool gift and, best of all, cash prizes!
2014 Annual Reports are available at both NWGACU locations
If you missed it this year, we missed YOU. We also want you to know what’s been happening at the credit union, so there are copies of the 2014 Annual Report available at both offices. We hope to see you there next year – you never know, you could be the big winner!
Annual Meeting 2015 Prize Winners
February 9, 2015
It’s time to get to know another staff member a little better, and what better person than the newest edition to our team, Daniel! Daniel just joined our team as a teller in January 2015. He currently resides in Rome, GA. Here’s a little more about Daniel:
1. What’s your favorite food? Tamales
2. What’s your favorite ice cream flavor? Cookies and cream
3. When you were 5 years old, what did you want to be when you grew up? A firefighter
4. What do you like to do with 30 minutes of free time? Listen to music
5. What’s your favorite movie? The Hobbit trilogy
Now that you know a little about him, we hope you’ll stop by our Redmond Road office and say hi!
February 2, 2015
learn. grow. is a financial literacy program created and taught by a trained staff member at Northwest Georgia Credit Union (that would be me!). It features a series of lessons on various financial topics that gives kids from Kindergarten to 12th grade the opportunity to learn basic financial skills. Each lesson is connected to Georgia Performance Standards and teachers even have the option to customize lessons for their students.
I taught College & Career Academy students all about personal finance for the real world.
I have had the pleasure of teaching financial literacy at several schools in Rome and Floyd County, and it is such a rewarding experience. Whether I’m teaching second graders about wants vs. needs or teaching high schoolers how to write a check, I find great joy in helping students see a glimpse of the real world. Lots of parents have a hard time teaching their children about money and teachers often just don’t have the time amidst all of the other important information they are teaching their students. Luckily, we are more than happy to step in as the “guest speaker.” I love working with children, and I know teachers sometimes just need a break.
Mrs. Rush’s special education class learned about personal finance and won lots of fun prizes!
Pepperell Middle 7th graders learned how to write checks and fill out transaction registers.
Like I said, each lesson we teach is connected to the Georgia Performance Standards, and teachers are more than welcome to customize lessons to fit their needs. I have combined lessons and even added in new topics (I researched Opportunity Costs specifically for one class!). We are very flexible and just want to do all we can to help students get the most out of each lesson.
If you are a teacher or a parent, please feel free to check out our learn.grow. curriculum here. Teachers: please feel free to schedule your lesson today. I’m looking forward to teaching your students about money!
January 26, 2015
That’s right. We all cringe when we hear it. Taxes. Every year, we have to file taxes, going through receipts and filling out complicated forms just to sometimes find out we owe money. It’s no fun. Filing taxes might be the least exciting task we do all year, but there is one bright side. You can get a discount when you file your return, and getting a discount will always be exciting–even if it’s for filing taxes!
As a Northwest Georgia Credit Union member, you can file your simple return for FREE with TurboTax Federal Free Edition or save $30 on Jackson Hewitt tax preparation.
(Not a credit union member? Check out our website to see how easy it is to become one!)
Choose the best tax filing option for you and finish your taxes early this year! Whether you prefer to self-prepare online or work with a tax professional, there is a discount for you.
Go to this link to get your credit union member discount today! Happy tax season!