Gemc Federal Credit Union

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A short history of Gemc FCU

Since its inception in 1969 the Gemc Federal Credit Union has been serving its members in the TUCKER, Georgia area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Denise Swan, the Gemc FCU has grown its membership to over 12,697 with assets of more than $116,832,238. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (470) 514-3000 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in TUCKER, GA.

General Information For Gemc FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 19536
Address 2100 E EXCHANGE PLACE STE 101 
State Georgia 
Zip-Code 30084
Phone Number (470) 514-3000
Fax Number (770) 938-9221
Email Address:
CEO/President Denise Swan
Members 12,697 
Full-Time Employees 26 
Part-Time Employees
Number of Branch Offices
Total Assets 116,832,238 

Compare Gemc Federal Credit Union To Other Local Credit Unions

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Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Cdc CU Clifton Road 1600 Clifton Rd NE 30359 (404) 325-3270 No 2.05
Membersfirst CU Sandy Springs 8010 Roswell Rd 30350 (404) 978-0080 No 4.77
Platinum CU Orlando Branch 7041 Grand National Dr Ste 201 32819 (407) 226-0720 No 6.01
Associated Credit Union CU Associated Credit Union 6251 Crooked Creek Rd 30092 (770) 448-8200 No 6.94
Emory Alliance CU Main Office - 1237 Clairmont Road 1237 Clairmont Rd 30030 (404) 329-6415 No 7.16

Gemc Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Gemc Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.90 3.00 3.25 5.00 5.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 151 146 120 268 229
Rank Among All Georgia Credit Unions 7 25 18 26 16

Gemc Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.25 0.42 0.70 0.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 95 72 224 227
Rank Among All Georgia Credit Unions 12 15 10 22 25
Gemc Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.9003,5475,099,410
All Other Unsecured Loans/Lines of Credit 8.0001,3067,373,151
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.0002565,877,512
Used Vehicle Loans 3.2501,76630,436,095
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.00010116,676,828
Total Other Real Estate Loans/Lines of Credit 5.0001544,839,299
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.0001,50911,102,704
TOTAL LOANS & LEASES 8,63981,404,999

Gemc Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 253,329,8681202,020
    b. 15 Years or less 342,675,3084526,700
    a. > 15 years 112,247,31500
    b. 15 Years or less 297,500,68472,050,700
Other Fixed Rate 2923,65300
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 321,68100
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1514,817,61813591,000
Open-End Fixed Rate 0000
TOTALS 25521,516,127253,370,420


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Gemc Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes