Habersham Federal Credit Union

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A short history of Habersham FCU

Since its inception in 1978 the Habersham Federal Credit Union has been serving its members in the CLARKESVILLE, 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 Lorie McGovern, the Habersham FCU has grown its membership to over 3,724 with assets of more than $20,443,451. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (706) 754-3680 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in CLARKESVILLE, GA.

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

Charter Number 23054
Address P O BOX 2645, 420 W LOUISE STREET 
State Georgia 
Zip-Code 30523
Phone Number (706) 754-3680
Fax Number (706) 754-8413
Email Address: none
CEO/President Lorie McGovern
Members 3,724 
Full-Time Employees 11 
Part-Time Employees
Number of Branch Offices
Total Assets 20,443,451 
Website http://www.habershamfcu.com 

Compare Habersham Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Rabun-tallulah CU Rabun-Tallulah Federal Credit Union 1115 E Boggs Mountain Rd 30576 (706) 782-3116 No 10.10
North Main CU North Main Credit Union 255 N Main St 30531 (706) 894-9060 No 12.98
Patterson Pump CU Patterson Pump Federal Credit Union 2129 Ayersville Rd 30577 (706) 297-2833 No 13.03
The Wright CU The Wright Credit Union 286 N Broad St 30577 (706) 886-2908 No 13.88
Stephens County Community CU Main Office Whitman St 69 W Whitman St 30577 (706) 886-3532 No 13.97

Habersham Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Habersham 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 N/A 4.61 7.63 5.76 6.76
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 353 599 350 413
Rank Among All Georgia Credit Unions N/A 50 64 34 34

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

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.15 N/A 0.30 0.30
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 119 N/A 302 259
Rank Among All Georgia Credit Unions 10 23 N/A 40 30
Habersham Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 11.8806351,466,058
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.610771,704,272
Used Vehicle Loans 7.6304524,832,233
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.760321,524,902
Total Other Real Estate Loans/Lines of Credit 6.7605162,889
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.310141947,322
TOTAL LOANS & LEASES 1,34210,637,676

Habersham 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 0000
    b. 15 Years or less 301,398,7362150,740
    a. > 15 years 0000
    b. 15 Years or less 2126,16600
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 5162,88900
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 371,687,7912150,740


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

Habersham Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
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 Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes