On the Grid Financial

5901 Peachtree Dunwoody Rd Ste A275, Atlanta, GA 30328

NCUA Insured3.7 (15 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1935

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Membership is limited to members of a specific organization, church, union, or association. Contact the credit union to find out which groups qualify.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1935

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

5901 Peachtree Dunwoody Rd Ste A275

Atlanta, GA 30328

Google Maps 🗺Waze

(770) 396-9005

Service Area

This credit union is located in Atlanta and serves members in the GA area. Currently serving 3,953 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

3.75%

Used Auto Loan

3.75%

Personal Loan

10.00%

Credit Card APR

9.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in GA

Lowest rates currently reported by credit unions in GA (NCUA Q4 2025).

Georgia Guard— New Auto Loan

Macon, GA

3.00%

On the Grid Financial— Used Auto LoanThis CU

Atlanta, GA

3.75%

Workmen'S Circle Incorporated— Personal Loan

Savannah, GA

6.44%

Credit Union of Atlanta— Credit Card APR

Atlanta, GA

6.95%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

3.7

15 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Karen Armstrong

a year ago

I recently purchased a vehicle and the loan process with On the Grid Financial was seamless. It began with the pre approval process. I answered a few questions and within minutes I was approved. Derrick, the loan officer, addressed all of my questions and concerns. He was very patient with me as I had not purchased a new vehicle in several years. He was very responsive and extremely knowledgeable. The entire process from pre approval to driving off the lot took three days! I would definitely use them again for my financial needs. Thanks, OTGF!!

Rafael Tavarez

6 years ago

I went to the credit union office and was asked why did I come in (That they are virtual now). Very less than personal experience as a 25 year credit union member of On The Grid Financial. I spoke to a loan officer which advised that I had to leave and call on the phone so she could take my request. The loan officer advised that she would call or email me back in 2/3 hours but I had to call back the next afternoon to get an update. When a car dealer or bank treats you more like a member owner that is a problem. They are just no longer by members for members and have removed the people helping people Motto. Very sad, I hope this post gets you better personal service.

Morgan Turner

a year ago

Spoke with Haley this morning about my account being frozen over the weekend and she was extremely short with me, rude and condescending. Not something I feel I should have to put up with, especially having been a client at this bank for 22 years.

Yvette Coote

8 years ago

We have been with On The Grid Financial previously Georgia Power CU since 1998. We've enjoyed a wonderful relationship with them. I purchased my first car with then Georgia Power CU and our family has never regretted leaving the "big banks" for a smaller one.