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About Us
GEMC Federal Credit Union is a different kind of financial institution, designed to serve all of your financial needs, from regular savings and checking accounts to a variety of loans. Our sole purpose is helping members reach their financial goals. Once you join, you're an owner and member, not simply an account holder. You'll see the difference when our staff gives you trustworthy advice based on your best interests and helps you choose options that fit your needs.

GEMC FCU was established in 1969 when a group of employees of the Georgia Electrical Membership Cooperatives (EMCs) decided to form a financial cooperative where members could help each other save and borrow. GEMC FCU has grown by leaps and bounds over the years, and is currently one of the largest, most financially secure credit unions in Georgia.

GEMC FCU serves the employees and family members of the electric cooperatives (excluding Flint EMC) in the state of Georgia and associated service organizations in the EMC system. GEMC FCU also serves member consumers and family members of GreyStone Power Corporation, meaning if your household receives power from GreyStone, you are eligible for membership.

If you are interested in becoming a member of GEMC Federal Credit Union, click here.

Employee Groups
Below is a list of all groups currently served by GEMC FCU. Employees of these groups plus members of an employee's immediate family or household members are also eligible for membership.

If you are interested in adding your employee group to GEMC FCU's growing list, please contact us.

Colonial Hill Christian School
Cross and Sons
Eurest Dining Services
Hammond Park Baptist Church
Joint Use, Inc.
KAR Printing
Utility Support Systems, Inc.
GA Right of Way
North Georgia EMC
Rayle EMC
Oglethorpe Power Corp (OPC)
Cowetta-Fayette EMC
Planters EMC
Tri-State EMC
Diverse Power Inc.
Colquitt EMC
Upson EMC
Carroll EMC
Walton EMC
Utility Support Services (USS)
GreyStone Power
Hart EMC
Altamaha EMC
Gibson EMC
Volunteer EMC
Sumter EMC
Snapping Shoals EMC
Southern Energy
Southern A&E LLC
Central GA EMC
GDS Associates
Irwin EMC
Satilla EMC
Grady EMC
Washington EMC
Mitchell EMC
Ocmulgee EMC
Jefferson Energy
Southern Rivers Energy
Sawnee EMC
Habersham EMC
Blue Ridge EMC
Jackson EMC
Cobb Energy
Three Notch EMC
Canoochee EMC
Little Ocmulgee EMC
Excelsior EMC
Oconee EMC
Okefenoke EMC
Tri-County EMC
Slash Pine EMC
Amicalola EMC
Middle GA EMC
Pataula EMC
Coastal EMC


2015 Annual Report

Privacy Policy

Membership Agreement & Disclosures


     - Membership Agreement

     - Electronic Funds Transfer (EFT) & Electronic Services Agreement

     - Funds Availability Policy

Mobile Banking Agreement

Online Deposit Agreement

Online Banking Agreement

Consumer VISA Credit Card Agreement

E-Statement Usage Agreement

1. How do I apply for a loan?
First time borrowers need to complete an "Open-End Credit Plan Agreement" and a Loan Application. Both can be obtained through your on-site representative, or call the Credit Union and we will be happy to mail one to you. Subsequent loan requests require an updated loan application that can be faxed, or in some instances we can take the information over the phone.

To apply online click the "Loan Application" link in the "Helpful Links" box to the right.

2. How long do I have to be a member before I can apply for a loan?
You may apply for a loan as soon as you become a member. There are no membership time requirements for submission of a loan application.

3. How do I add/remove a joint owner to/from my account?
To add a joint owner you will need to complete a new membership application, which you and the joint owner(s) sign where indicated. To remove a joint owner, a new account is opened and a membership application is completed listing the new member and joint owner(s).

4. How do I change my payroll deduction?
For members at EMCs, your loan officer can help you change your deduction amounts. Members who have deductions through the ACH (Automated Clearing House) system, your employer can help you. If you would just like to rearrange how your payroll is being distributed visit a Credit Union branch.

- Web Account Access/Online Banking
- Auto Loan Discount Pricing Program
- CUFS Mortgage Service
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