North Main Credit Union

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A short history of North Main CU

Since its inception in 1979 the North Main Credit Union has been serving its members in the CORNELIA, 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 Melany Ward, the North Main CU has grown its membership to over 1,281 with assets of more than $13,007,437. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (706) 894-9060 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 CORNELIA, GA.

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

Charter Number 67391
Address 255 N MAIN ST 
State Georgia 
Zip-Code 30531
Phone Number (706) 894-9060
Fax Number (706) 894-9070
Email Address:
CEO/President Melany Ward
Members 1,281 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 13,007,437 

Compare North Main Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Fieldale CU Main Office 3719 BC Grant Rd 30511 (706) 778-5100 No 1.62
Habersham CU Habersham Federal CU 420 W Louise St 30523 (706) 754-3680 No 7.89
Patterson Pump CU Patterson Pump Federal Credit Union 2129 Ayersville Rd 30577 (706) 297-2833 No 11.00
Stephens-franklin Teachers CU Franklin 1107 Hull Ave 30577 (706) 886-7145 No 14.94
Stephens County Community CU Main Office Whitman St 69 W Whitman St 30577 (706) 886-3532 No 15.32

North Main Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

North Main 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 9.90 4.31 5.73 8.09 8.26
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 318 413 471 484
Rank Among All Georgia Credit Unions 14 45 44 47 40

North Main Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.08 N/A 0.56 0.25
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 134 N/A 248 266
Rank Among All Georgia Credit Unions N/A 28 N/A 27 31
North Main Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.900192436,656
All Other Unsecured Loans/Lines of Credit 14.240247713,904
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.31036735,910
Used Vehicle Loans 5.7302923,131,834
Total 1st Mortgage Real Estate Loans/Lines of Credit 8.09021912,519
Total Other Real Estate Loans/Lines of Credit 8.26019552,694
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 8.70058556,131
TOTAL LOANS & LEASES 8657,039,648

North Main 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 21912,5193166,560
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 19552,6942148,000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 401,465,2135314,560


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

North Main 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 No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes