Calculators to Make Your Life Easier

November 30, 2015 by

Have you explored our website lately? You may just go there to login to Online Banking, but did you know we have a wealth of financial tools for you. And, they are free!

Today, let’s focus on one of them: calculators. Here’s what I want you to do:

Over at, move your mouse right across the red menu bar until you see the button titled ‘Rates’. The last drop-down menu item is ‘Financial Calculators’. Click this: it’s gold.

The first calculator is for those of us with a lazy/forgetful pen. Our pens seem to drop the ball when it comes to writing down when we write checks, use our debit card, or make deposits. So, maybe this Checkbook Balancer will do the job. Just enter checks you write, debit card purchases, and deposits you make and watch the balancing begin. It even has a graph for the visual peeps.

The next calculator is Dealer Financing vs. Credit Union Financing. When you are looking into buying a car, check here first. You’ll see how just a few interest rate points can make a HUGE difference in your monthly payment!

Don’t Delay Your Savings is the calculator for those thinking about retirement. I know, your first thought is people 50 and over, but if you have a job, you should be thinking about retirement! Play with this calculator and don’t delay your savings!

Moving right along to the best calculator on the website – Home Budget Analysis. The pie chart is so organized and colorful and even more importantly – it’s so helpful!

Last but not least, the Loan & Line Calculator will help you see what your payment would be on a new loan or line of credit. Always good to be prepared – just like the boy scouts.

Also very cool: Below each calculator you’ll find some helpful definitions.


ATM Safety

November 23, 2015 by

It’s the time of the year when the hustle and bustle of holiday shopping is in full swing. This often involves using ATM’s, and we want to make sure you stay safe. So, we’ve reached back into our blog archives for these tips about ATM safety.

Unfortunately, robberies occurring at ATMs are increasing across the country.  While we have not encountered this problem at our ATMs, it’s probably a good idea for us all to keep these ATM safety tips in mind:

  • If the ATM is obstructed from view or poorly lit, go to another ATM. Report the problem to the financial institution that operates the ATM.
  • Avoid using ATMs at night. Take a companion if this is not possible.
  • Minimize time spent at the ATM by having your card out and ready to use.
  • Park as close as possible to exterior walk-up ATMs.
  • Do not accept assistance from strangers when using an ATM.
  • Keep your engine running, the doors locked and the windows up at all times when waiting in line at a drive-up ATM. When possible, leave enough room between cars to allow for a quick exit should it become necessary.
  • Once you have completed your transaction, take your money, card and receipt and immediately leave the ATM. Verify your cash later when it is safe to do so.
  • If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave immediately.
  • If anyone follows you after making an ATM transaction, go immediately to a crowded well-lit area and call the police.
  • Protect your PIN and the privacy of the transaction by shielding the keypad and standing close to the ATM to prevent others waiting behind you from observing the transaction details.
  • Check your ATM receipts against your statements to identify unauthorized transactions.
  • Report a lost or stolen card immediately.

Get to Know the Unbelievable NWGACU Team: Heather

November 16, 2015 by

It’s time again to get to know more about your friends at NWGACU. This week you get to  learn more about our unbelievable Head Teller at the Dean Ave Branch, Heather! She lives in Rome and first began working at the credit union earlier this year. Here are some fun facts about Heather:


What do you like about working at NWGACU?: I love meeting members.


What’s the Coolest Place You’ve Ever Visited?: Okinawa, Japan

What was your first job?:  Grocery Store Clerk.

What’s your favorite food?: Macaroni and Cheese.

What would you do with 30 minutes of free time?: Play Candy Crush.


Holiday Offers

November 9, 2015 by

The holidays are quickly approaching. Every cost-conscious holiday shopper is trying to get the most out of their budget this season. And, luckily, your credit union wants to help you make those dollars go a little further. So, we’ve put together a few limited-time holiday offers to do just that. These products offer a sensible way to pay for gifts, entertainment, dining, and travel expenses during the holidays. You can lessen the stresses of the season and spend more time relaxing with loved ones.


For years now, NWGACU has offered our very popular 12.12.12 Holiday Loan for members looking for a little extra cash for this busy time of the year. The offer is $1,200 at 12% interest for 12 months, which makes payments around $100 per month – very manageable. Stop by, call or apply online today!

NWGA-SkipAPay-WG-688x302-FinalWe’ll make your spirits bright by letting you skip either your December or January loan payment – putting extra cash in your pockets so you can:

• Check off your loved ones’ wish lists
• Finalize your winter travel plans
• Deck the halls for holiday visitors
• Celebrate the season free of financial stress

Sign up for Skip-a-Pay today! For just $35 per skipped loan, you can unwrap holiday happiness. Call 706-291-9290 (Main office) or 706-802-0030 (Branch office) and speak to a Financial Services Officer by January 31, 2016, to determine your eligibility.


If you have the Northwest Georgia Credit Union Visa Platinum Credit Card, then you have one of the most competitive cards in the market. Not only do we boast one of the lowest rates in the country, but you won’t run into the usual crazy credit card fees! Seriously, it’s a great card. And just for the holidays, we offer TRIPLE points on holiday purchases in November and December!  You can redeem these bonus points for all kinds of cool items, from digital cameras to gift cards and airline tickets. You can even use your reward points to “purchase” holiday gifts!  Some people even save up their reward points and redeem them for hotel stays and cruises!  The possibilities are endless.

If you’re already a NWGACU Visa Platinum Credit Card holder, start earning TRIPLE point today! Need a little more spending power? You can apply for a credit limit increase online.

The Visa Platinum Credit Card is a simple, honest card that is totally free of ridiculous fees that have become so common with banks and credit card companies. Here are some fun facts about our credit card:

  • Rate as low as 9.9% – our card holds one of the lowest rates in the country!
  • No annual fees
  • No surprise rate changes
  • A 25-day grace period

Member Benefits:

  • No default penalty rate for late payment
  • No fees for cash advances or balance transfers
  • Make payments online or in our branches
  • Earn ScoreCard Bonus Points with every purchase

If you don’t already have NWGACU’s Visa Platinum Credit Card, right now is a great time to transfer your credit card balance for 5.9% APR*!

Are you ready to start earning free stuff just for buying things you would anyway? Stop by or apply online to start earning your rewards today!

*Some restrictions apply.

Credit unions are in the business of helping people, and we love to be able to help when you may need it most – the holidays. Stop by, call, or click and let us know how we can help you right now – 12.12.12 Holiday Loan, a great low-interest credit card with awesome rewards, loan skip-a-pay, or refinancing a loan from somewhere else to save some money. Whatever your need – let us help!

2015 Halloween Costume Contest

November 2, 2015 by

Another Halloween has come and gone and 2015 was a fantastic one! We invited our Little Sprouts and Acorn Club members to dress up in their most creative costumes, eat some Halloween inspired treats, visit the Rome Fire Truck and Firefighters, and compete in our costume contest.

As you can see it was a great turn-out and we were so impressed with the creativity!

The winner of the Little Sprouts, 0-4 age group, was Carl, the little old man from Up, 2nd place went to the cutest little cow, and 3rd place went to the pirate!

The winner of the Acorn Club, 5-12 age group, was the creative Minecraft Steve, 2nd place went to GI Joe, and 3rd place went to the Minion.

Congratulations to our winners! They will be getting $50 put into their savings account and 2nd and 3rd place gets $25. We hope they will use it as encouragement to continue to save for their futures!

How to Avoid Overspending

October 26, 2015 by

The first rule of personal finance is to spend less than you earn.  Pretty simple, right?  Unfortunately, this basic rule can be difficult to follow.  It takes discipline.  Here are some tips from our partner, Greenpath, to help you reduce spending.  Day after day, these small savings can add up to big savings.

Credit Debt Management Infographic

Find out more about Greenpath’s offerings, or download the free budgeting guide.

Unbelievable Convenience

October 19, 2015 by


We know you love coming in to the credit union to see us; and we love to see you, too! But, sometimes, you just don’t have the time to come by. Fortunately, you don’t have to! Whether you want to un-bank  from a computer, smartphone,or tablet, we’ve got you covered. Pay bills, check balances, transfer money, apply for a loan or credit card: you can do it all at home, at work, or on the go.

With Online Banking, you can manage your account information through our totally secure site by logging on at our homepage. Your information is up-to-the-minute, so it’s easy to:

  • Keep your checkbook balanced
  • See your dividends earned
  • Make loan payments
  • See when a withdrawal has cleared
  • Transfer balances
  • Pay Bills

It’s safe, simple, and completely free. You can even enroll online.

Want to un-bank on the go? No problem. Mobile banking makes it easy to check balances, view transaction history, transfer money between NWGACU accounts, and find information about NWGACU from your mobile phone.

Mobile banking is currently available in 3 forms:

  • a website optimized to look great and load quickly on small screens
  • downloadable apps customized for your iPhone® or Android™phone
  • a mobile text system which allows members to quickly send a text requesting balance or recent transaction information.

Learn more about how to enroll here.

Want to apply for a loan or Visa Credit Card? Good news! You can also do that online. Applying for a loan or credit card has never been easier. If you are enrolled in Online Banking, please login and visit the Additional Services tab to apply for a loan or credit card online. Accessing the loan application from within Online Banking will save you time, because most of the required fields will already be completed for you.

Not a member, or not enrolled in Online Banking? No problem, simply click here to access our easy online loan and credit card application.

Pretty convenient, right? Just one more reason why un-banking really is unbelievable.

Calling All Kids!

October 12, 2015 by

It’s finally fall, which means the holidays are right around the corner. First up: Halloween!

We will be having our annual Kids Club Halloween Costume Contest on Friday, October 30, at 5:30 p.m. at our Redmond Road office. Winners from both the Acorn Club and Little Sprouts will get $50 deposited into their savings accounts and runners-up from both clubs will receive $25! And, new this year, we will have a visit from the Rome Fire Truck!

Do you have kids that haven’t started their savings accounts yet? It’s super simple! Stop by either branch location on or before October 30th to get them signed up so no one has to miss out on the fun! Learn more about our education-based kids club accounts here.

Winter Is Right Around The…

October 5, 2015 by


Colder weather is creeping in pretty quickly around here, and with cold weather comes higher heating bills.

We found some helpful information that should make the Winter months a little more bearable. Here is a Top-9 list to prepare your house for the bitter cold:

9. Have your lawn-irrigation system professionally drained.
8. Trim landscaping.
7. Turn off exterior faucets.
6. Add extensions to downspouts so water runs at least 3 to 4 feet away from the foundation.
5. Clean the gutters.
4. Caulk around windows and doors.
3. Make necessary roof repairs.
2. Buy a programmable thermostat.
1. Tune up your heating system.

Here’s to a warm and happy Winter!

Thanks to for the great tips!

Holiday Budgeting

September 28, 2015 by

christmasWe just had the first official day of Fall, but it won’t be long until we’re all decking the halls and wondering how to afford all that holiday shopping we’ll do. If you haven’t already set a budget for Christmas activities, now is the time to get serious about holiday budgeting. Here is a great post by Maegan from 2013 with some great ideas to get you started.

And, if you simply didn’t start saving soon enough to stash away enough cash, don’t forget about our 12-12-12 Holiday Loan. Available beginning Oct. 1, this is a great option for you to think about.

What strategies do you have for saving on holiday festivities?


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