A Powerful Union

Made in Georgia

On July 1, 2023, Health Center Credit Union became part of Georgia’s Own Credit Union!

IMPORTANT DATES

 

September 25th – October 1st

Bill Pay will be unavailable, view FAQs

 

September 29th

HCCU Visa® credit cards are disabled.

Georgia’s Own Visa® credit cards are turned on for use.

 

September 29th – October 1st

Online banking access is unavailable, view FAQs

 

October 2nd

Account access is restored, view FAQs

 

Owner’s Manual

View all conversion details here

 

Cash Back Rewards

Details for former Kasasa checking members

 

Important Information


• Please verify your email, phone and mailing address to be sure we have the most up to date contact information on file. This will ensure your receipt of important and exciting announcements in the weeks ahead. Contact information can be updated via Online Banking, or by contacting us at 706.434.1600.
 
• The National Credit Union Administration (NCUA) operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions up to $250,000. The $250,000 in coverage applies to each share owner, per insured credit union, for each account ownership category.
 
• For now, your online banking and Bill Pay will remain the same. During the last weekend in September, we will convert your Health Center online banking to Georgia’s Own. You will be getting more detailed information regarding your online banking account and Bill Pay prior to September 30th.
 
• Any active debit cards you have will continue to work as they do today. Your new Georgia’s Own Visa debit card will be mailed to your address on file in mid-January 2024, giving you access to more than 110,000 surcharge-free ATMs nationwide. Please continue using your HCCU debit card until your new Georgia’s Own card arrives in January. Card activation instructions and other important details will come with your new card.
 
• Active and open HCCU Visa® credit cards you have will continue to work as they do today until September 29, 2023. Prior to conversion, you will have the option to open a new Visa Classic or Classic Secured credit card with Georgia’s Own and transfer the existing balance from your HCCU card. For additional Georgia’s Own Visa product offerings, you can initiate an application. If you choose not to open a new credit card with Georgia’s Own, existing balances will be converted to a fixed-rate Signature loan with the same interest rate and payment terms as your current HCCU Visa. Detailed information was sent to all credit card holders during the month of August.
 
• Beginning in October, you will have access to the 34 additional Georgia’s Own locations throughout Southwest Georgia, Southeast Georgia, and metro Atlanta, and over 110,000 surcharge-free ATMs. You’ll also be able to take advantage of the additional products and services that Georgia’s Own offers.
 

Safety and Soundness


The safety and soundness of our members’ money has been Georgia’s Own Credit Union’s number one priority since our inception in 1934, and remains unwavering today. The credit union business model is designed to return earnings to members (rather than stockholders), which inherently creates a safer, more conservative financial portfolio for these financial institutions—and Georgia’s Own is no exception. In addition, each of our individual depositors is insured up to $250,000 by the National Credit Union Association (NCUA).
 

About Georgia's Own

Georgia’s Own shares our values and demonstrates our same level of commitment to members, employees, and the community. Celebrating 89 years of service to their members, Georgia’s Own has been the financial institution of choice for consumers across the state looking to make the most of their hard-earned money. Their mission of Banking On Purpose is a promise they put at the front and center of each business decision, empowering others through financial literacy, trusted advice, value-based solutions and returning earnings to their members and the communities they represent.

Georgia's Own Home Page

Learn More

FAQs

Very simply, we want to bring members the best value from their credit union while ensuring we continue to grow. Joining Georgia’s Own will allow us to offer more robust products and services, expanded digital service, more physical locations across the state, and increased operating efficiencies. Because both institutions share very similar values, this merger will allow us to have a greater impact on the community and ensure the same level of unmatched service to our members.
As a valued Health Center Credit Union member, the only difference you’ll notice on July 1st is the name change. Your accounts and financial products will stay the same until October 2023. Any future changes will be clearly communicated to you. The same experienced employees you’ve come to rely on will be here to serve and assist with any questions you may have throughout the transition and beyond.
With nearly 90 years of service to their members, Georgia’s Own is one of the oldest, largest, and most trusted financial institutions in the state. Once Atlanta Telco and then Georgia Telco, the Credit Union served telephone employees throughout the state before expanding its charter. While headquartered in Atlanta, Georgia’s Own has served the Augusta community for 20 years—and, like us, they do a tremendous amount of good in the local areas in which they operate. In all, Georgia’s Own features 34 branch locations and has robust mobile/digital channels available to serve members.
Georgia’s Own Credit Union is headquartered in Atlanta, Georgia. They hold a primarily community-based membership with over 230,000 members. Their assets are over $4 Billion and they operate thirty-four branches in Greater Atlanta, Augusta, Savannah, Southwest Georgia, and Southeast Georgia. Currently membership is open to anyone who lives or works in the Georgia counties of Appling, Atkinson, Baker, Bacon, Barrow, Bartow, Ben Hill, Bleckley, Brantley, Brooks, Calhoun, Camden, Carroll, Charlton, Chatham, Cherokee, Clarke, Clay, Clayton, Clinch, Cobb, Coffee, Colquitt, Columbia, Coweta, Crisp, Decatur, Dekalb, Dodge, Dougherty, Douglas, Early, Effingham, Fayette, Forsyth, Fulton, Glynn, Gwinnett, Hall, Henry, Jeff Davis, Laurens, Lee, Lowndes, McIntosh, Meriwether, Mitchell, Newton, Paulding, Pierce, Pulaski, Quitman, Randolph, Richmond, Rockdale, Spalding, Sumter, Stephens, Stewart, Telfair, Terrell, Thomas, Tift, Walton, Ware, Wayne, Webster, Wheeler, Wilcox, or Worth.
On September 29th, we will begin our planned system conversion. This means in addition to the current locations available to you, beginning in October, you will have access to 34 additional Georgia’s Own locations throughout Southwest Georgia, Southeast Georgia, and metro Atlanta, as well as over 110,000 surcharge-free ATMs. You’ll also be able to take advantage of the additional products and services that Georgia’s Own offers. As with any system conversion, there will be some downtime. You will receive more detailed information on that closer to our conversion date.
Not yet. Health Center Credit Union will remain on its current operating system through September 29th.
Health Center Credit Union branches will remain open, and you will see expanded hours of service through the Georgia’s Own Member Services Center starting in October 2023.
The National Credit Union Administration (NCUA) operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions up to $250,000. The $250,000 in coverage applies to each share owner, per insured credit union, for each account ownership category.
Yes. For nearly 90 years, Georgia’s Own has been a trusted, financial partner. Our commitment to our members, our employees, and the communities that we serve are the foundation upon which Georgia’s Own was built. The safety and soundness of our members’ money has been our number one priority since our inception in 1934, and remains unwavering today. The credit union business model is designed to return earnings to members (rather than stockholders), which inherently creates a safer, more conservative financial portfolio for these financial institutions—and Georgia’s Own is no exception. Our liquidity remains strong and our capital position remains well above what our regulators require. In addition, each of our individual depositors is insured up to $250,000 by the National Credit Union Association (NCUA). Our members can rest assured that their money is secure at Georgia’s Own, and we will continue to ensure that they are safeguarded at every step.
Georgia’s Own remains committed to saving its members money. While the fees at HCCU are similar to those at Georgia’s Own, there may be some differences depending on the product or service. Fees and fee disclosures can be found on the Georgia’s Own website and will be mailed to members at a later date.
For now, your online banking and Bill Pay will remain the same as it is today. During the last weekend in September, we will convert your Health Center online banking to Georgia’s Own. You will receive more detailed information regarding your online banking account and Bill Pay prior to September 30th.
Beginning September 25th through October 1st, your existing Bill Pay will be unavailable. Existing Bill Pay subscribers will automatically be converted to the Georgia’s Own system during that time. Existing eBills (online versions of paper bills sent directly through Bill Pay) and external transfers (formerly PopMoney and account-to-account transfers) will not convert and will need to be re-established in the new system beginning October 2nd. Please refer to pages 6 and 7 of the Owner’s Manual for further details and instructions.
Yes. Any active cards you have will continue to work as they do today. Your new Georgia’s Own Visa debit card will be mailed to your address on file in mid-January 2024, giving you access to more than 110,000 surcharge-free ATMs nationwide. Please continue using your HCCU debit card until your new Georgia’s Own card arrives in January. Card activation instructions and other important details will come with your new card.
For now, yes. Active and open HCCU Visa® credit cards you have will continue to work as they do today until September 29, 2023. Prior to conversion, you will have the option to open a new Visa Classic or Classic Secured credit card with Georgia’s Own and transfer the existing balance from your HCCU card. For additional Georgia’s Own Visa product offerings, you can initiate an application. If you choose not to open a new credit card with Georgia’s Own, existing balances will be converted to a fixed-rate Signature loan with the same interest rate and payment terms as your current HCCU Visa. Detailed information was sent to all credit card holders during the month of August.
Yes. Let’s verify your email, phone and mailing address. We want to ensure we have the most current contact information on file so we can ensure you stay up to date with these exciting changes ahead. Contact information can be updated via Online Banking, or by contacting us at 706.434.1600.
If you have questions concerning the merger, please call 706.434.1600, or stop by the Health Center Credit Union office and we will be glad to help you.

Information Center

We know that members have many questions, and our goal is to provide you with all of the answers you need to make the transition to Georgia’s Own as seamless as possible. We will post all important information regarding the merger here. Please check back often!