The holidays are here!

December 15, 2014 by

The holidays are always a busy time at the credit union, and this year has been no exception. First, we had to get the decorations up. We love our tree and fun, wrapped doors!

Christmas Tree 2014 doors closed

After decorations comes the party! Every year, all of the NWGACU employees gather together for a meal and lots of talk and laughter. We had a great time this year at Olive Garden, and we were so excited to even get a group shot with almost all our employees!

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As if we don’t eat enough this time of year, we also have an annual Eat-a-Thon, where everyone brings delicious goodies and eats all day. Life doesn’t get much better than that, folks.

The Eat-a-Thon surpassed all expectations this year, featuring amazing chicken and dressing, lots of yummy casseroles, and even more sinfully delicious desserts. We even had green beans for those of us attempting to eat healthy during the holidays (we’re trying!).

food collage-01     Robin   Emily
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We love sharing with you what we do for the holidays. Please let us know how you celebrate in the comments! Happy Holidays from all of us at NWGACU!

Toys for Tots

December 8, 2014 by


Toys for Tots is an organization that has been around for a very long time. We love supporting this cause each year, but we need your help! When you’re out doing your holiday shopping, please consider adding a few toys to your cart so everyone can have a joyous holiday season this year. If you use your NWGACU Visa Platinum card, you’ll even get triple bonus points on any holiday purchases you make! There’s no downside!

Our box is looking very sad and empty and we would love to get it filled up by December 15, when the toys are picked up to get ready to go to the children.

toys for tots box

Stop by either NWGACU location between now and December 15 to donate toys. Get more information about Toys for Tots here.

Make Sure Your Next Loan is Approved

December 1, 2014 by

EmilyToday we have a guest post by our Main Office Assistant Branch Manager, Emily. She has some great tips to make sure your next loan application is approved.

So, you’re thinking about applying for a loan. What kinds of things are lenders looking for when deciding whether or not to approve you? There are several key factors that help determine whether an application is approved or not: employment history, your ability to repay us (debt to income ratio), and credit history. Under some circumstances, when employment history is limited, credit history is limited, or additional income is needed, we may recommend a qualified co-signer. So, keeping those three factors in mind, here are a few tips when applying for a loan.

About the application itself:
• Completion. It is much more efficient to work up the loan if all the information requested is provided. A loan application is fairly quick to fill out completely, and doing so will most likely result in a quicker response. Also, failing to sign the application prolongs the process. A signature is required before we can even start the process, because it gives us permission to pull your credit.
• Accuracy. It is important that the information provided is as accurate as possible. Example: When monthly income is requested and you put your weekly salary, this could limit the amount we are able to approve you for, or negatively impact your debt to income ratio, which is something of importance to us.
• Legible. Needless to say we need to be able to read it.

Things to Remember:
We are here to help you meet your financial goals. If it doesn’t look that great on paper, it doesn’t mean we can’t help. All of our officers are trained to look outside the box and help members reach their goals.

When submitting a loan application it is not required to submit poof of income, but we will need it in order to process any loan, so think ahead and bring your most current pay stub with you if you are able.

Pre-approvals- yes, we do them! Come to us first if you are thinking about purchasing a new car, consolidating, or any financial thoughts that come to you. It is great to know your options when you are brainstorming with finances. And chances are, we can offer you a lower rate! We also offer GAP and extended warranties at lower costs than you’ll find elsewhere- benefits of being a credit union member are great!

Also, working up loan applications gives us insight into where your money goes and we are always looking at how we can help you save. We just might be able to refinance higher interest loans or consolidate.

Ready to get started? Apply now and see how we can help you save!

Black Friday & Cyber Monday

November 24, 2014 by

Thanksgiving is Thursday, which means we are almost upon Black Friday 2014: The biggest, craziest shopping day of the year. Some people thrive in these shopping situations, finding amazing deals amongst huge crowds of people. Others (like me), would rather stay in bed during those early Friday morning hours and find deals on Cyber Monday. Either way, there are lots of deals to be found, and we have compiled some information to get you ready to shop ’til you drop!

According to, JCPenney offers the highest average discount on Black Friday, with Macy’s and Sears not far behind. Also, you’re going to find the best deals on jewelry, with an average 58% discount, while electronics are only going to see about a 30% discount. has conveniently compiled lots of research and findings here so you can see exactly which stores to visit on Black Friday and which ones aren’t worth the crowd. If you’re more of a Cyber Monday fan, get all the scoop here, and don’t forget to always check sites like before purchasing because you might even get an even better discount!

Also, it’s important to remember that it’s the holidays for scam-artists, too. Black Friday and Cyber Monday are huge for online sales but also for identity theft, so keep this information in mind when shopping this year:

  1. At the moment, there are too-good-to-be-true coupons that offer free phones or tablets on sites all over the Internet. Don’t fall for it. Make sure the offers are from a legitimate company.
  2. Watch out for alerts via email or text that you just received a package from FedEx, UPS, or the US Mail, and then asks you for some personal information. Don’t enter anything. Think before you click!
  3. There is a fake refund scam going on that could come from Amazon, a hotel, or a retail chain. It claims there was a “wrong transaction” and wants you to “click for refund” but instead, your device will be infected with malware.

So, especially now, the price of freedom is constant alertness and willingness to fight back. Remember to only use credit cards online, never debit cards. Be super-wary of bulk email with crazy good BUY NOW offers and anything that looks slightly “off”.  If you think you might have been scammed, stay calm and call your credit card company, nix that card, and get a new one. If you don’t have a credit card for online shopping, consider our Visa Platinum credit card. It’s honest, reliable, and you can get triple ScoreCard bonus points now through the end of December on all holiday purchases. It’s a win-win! We hope you find lots of deals this holiday season! If you have some more ideas for Black Friday/Cyber Monday savings, please leave them in the comments!


November 17, 2014 by


Who wants to spend the holidays stressed out over bills? I sure don’t, and I bet you guys feel the same way. 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. 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 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, or refinancing a loan from somewhere else to save some money. Whatever your need – let us help!

Call or stop by either Rome location.

Showing Thankfulness

November 10, 2014 by

November brings out everyone’s thankful side, whether they are posting daily “I’m thankful for…” Facebook statuses or just getting ready for Thanksgiving. If you’re tired of the thankful posts but want to do something to show your thankfulness, we have come up with a list of some very clever and unique ideas. There are tons of things you can do, but these are some of our favorites, and you might can incorporate them into your family traditions for many years to come.

1. Gratitude Jar // This fun idea is a very easy DIY project that takes seconds to set up. All you need is a jar and a way to attach the free printables and you’re set! You and your family can answer the questions each day and read them aloud on Thanksgiving for a fun new tradition. You can even keep it out year round to have a year’s worth of gratitude to read about for Thanksgiving 2015. For a different take on this activity, check out this Thanksgiving Countdown Jar.

2. 27 Days of Gratitude // This time of year often shifts our focus solely onto our kids, but we can’t forget about our spouses! This fun, free printable is a great way to keep your spouse a priority during the hustle and bustle of the holidays. If you have kids or not, this is a great way to keep your relationship thriving during a busy time filled with traveling, families, and lots of food! This link also includes a free printable that you can frame and put up in your house. All you need is a dry erase marker and you can write each day what you’re grateful for. It’s easy, inexpensive, and it could just make your day a little brighter!

Want more ways to show gratitude to your spouse? Find over 100 ideas here!

3. Acts of Kindness Banner // This banner is a DIY project that might take a little time to put together but will be so worth it in the end. It gives your family a random act of kindness to complete each day leading up to Thanksgiving, cultivating a wonderful attitude of gratitude during this most thankful of seasons. If making the banner seems too daunting or you just aren’t big on DIY projects, you can easily just print out the acts of kindness to complete. The most important thing is showing others that you care!

4. Thankful Tree // This tree is very similar to the Gratitude Jar (above), but with a fun twist. All you need to do is find some sticks in your yard and put them in an urn or pot, using stones to hold them in place. You can use the printable thankful cards found in the link or here and hang them from the branches. You could designate a time each day for everyone in the family to write what they’re thankful for, or just add to the tree when the mood strikes. Either way, it’s a fun way to remind yourself to be thankful for both the little and big things in life.

5. Thankfulness Placemats // This really couldn’t be any easier. Put down butcher paper over your tablecloth and, with a Sharpie, write at each place setting, “I am thankful for…” or some variation of that, with room for guests to leave a response. This is a great reminder to guests as they eat their delicious meal what the day is truly about. It is also very inexpensive and cuts down on what you have to have out as decorations on the table, so bonus points! Guests can read aloud what they wrote as everyone enjoys coffee and pumpkin pie.

We hope some of these ideas can one day become traditions in your homes. Have a very happy Thanksgiving!

2014 Halloween Costume Contest

November 3, 2014 by


Another Halloween has come and gone and 2014 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, 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 the firetruck and 2nd place went to the cutest little doctor!

The winner of the Acorn Club, 5-12 age group, was the creative trio, Snap, Crackle and Pop. 2nd place went to the handstand lady.

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

Get to Know the Unbelievable NWGACU Team: Mandy

October 27, 2014 by

MandyIt’s time again to get to know more about your friends at NWGACU. This week you get to meet (or learn more about) one of our unbelievable tellers at the main office, Mandy! She lives in Summerville, GA, and first began working at the credit union in the summer of 2014. We are so glad she is a part of the NWGACU team! Here are a few fun facts about Mandy:

What is your most prized possession?: A jewelry box from my great-great-great grandmother

What is your favorite quote?: “Never help someone unless they are willing to help themselves.”

What do you like about working at NWGACU?: Interacting with members and meeting new people!

Home-made-chocolate-ice-cream-recipeWhat is your favorite ice cream flavor?: Chocolate

What is your favorite movie?: The Notebook

What was your favorite subject in school?: Math math

What are your favorite things to do when you’re not working?: Swimming and hiking


We hope that, now that you know her well, you’ll come by the main office and say hi to Mandy soon!

International Credit Union Day 2014

October 20, 2014 by

October 16 was International Credit Union Day, and it was lots of fun this year!  International Credit Union Day has been celebrated on the third Thursday of October since 1948. The day is recognized to reflect upon the credit union movement’s history and to promote its achievements. It is a day to honor those who have dedicated their lives to the movement, recognize the hard work of those working in the credit union industry and show members our appreciation. We served free BBQ to our members to show just how much we appreciate you.

Enjoy these photos from the day! (Click any photo to enlarge it.)

Branch_Christi and Maegan Branch_Christi and Robin Branch_Christi Branch_David and Mardi Branch_David Branch_Dr Harris Branch_Line Branch_Mardi Branch_Members Branch_Members2 Branch_Rita  Branch_Robin2 Main_Joy and Rhonda Main_Joy Main_Members Main_Members2 Main_Rhonda and Joy Main_Scott Moody 2

We Appreciate You!

October 13, 2014 by

October 16th is International Credit Union Day, and this year’s theme is “Local Service. Global Good.” Credit unions continually demonstrate their ability to improve the lives of individuals, families, communities, and countries around the world, and have done so for generations. As we celebrate International Credit Union Day this October, we celebrate the good work credit unions do with more than 196 million people worldwide.


This year, we want to celebrate International Credit Union Day by celebrating you, our members! Please join us for a Member Appreciation BBQ on Thursday, October 16, from 11 a.m. until 1 p.m. at both offices.

What: Member Appreciation BBQ

When: Thursday, October 16, from 11 a.m. until 1 p.m.

Where: Both Northwest Georgia Credit Union locations

The Member Appreciation BBQ is our really delicious way of showing our appreciation for our members. Join us at either location from 11 a.m. until 1 p.m. as we serve up a perfect plate.

Thank you for Un-banking – we really do appreciate you!


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