ANNOUNCING ENHANCED SECURITY FOR YOUR DEBIT CARDS - Click this banner for more information!

Opening Your Account


To join the credit union, simply open a share savings account with a minimum deposit of $10.  This initial deposit consists of a $5 membership fee with $5 going directly into your savings account.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.  When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver's license, social security card, or other identifying documents.


Family/Household Membership


Once you join the credit union, your immediate family, or anyone currently residing in your household, is eligible to join and take advantage of all of Georgia Power Northwest Federal Credit Union's convenient and economical services.



What We Offer: (click each one to learn more)


  • Savings

  • Checking

  • Direct Deposit/Payroll Deduction

  • CALL 24

  • Internet Banking/e-Statements

  • Loans

        • Vehicle Loans

        • Real Estate Loans

        • Student Loans

        • Personal Loans

        • VISA® Credit Cards

        • VISA® Prepaid and Gift Cards

Other Services





Your Share Savings Account is the building block of your credit union membership.  With your initial $5 deposit, you open yourself up to a world of savings options.


Savings accounts with a minimum balance of $50.00 earn competitive dividends compounded quarterly on the average daily balance.  You'll find saving is easy with the convenience of payroll deduction.


Christmas Club Accounts


Save for that special time of the year with Georgia Power Northwest's Christmas Club Account.  Deposit at your convenience or have regular deposits deducted from your paycheck.  The Christmas Club Account earns quarterly dividends.


Certificates of Deposit


If you want to invest on a short or long-term basis, a Certificate of Deposit is a good choice.  With a minimum deposit of $500, you earn a fixed rate from six months to three years.


Individual Retirement Accounts


You can increase the value of your present earnings while saving for the future with an Individual Retirement Account (IRA).  Choose from a Traditional IRA, a Roth IRA, or an Educational IRA.  You can open your IRA with a minimum of $50.  Rates are declared quarterly and compounded daily.


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You can save money and earn dividends with our checking account.  It offers the following features:


• No minimum balance requirements.  Earn dividends on every dollar.


• No monthly service charge if you utilize direct deposit.  Otherwise, pay a low flat fee of $3.00 per month, with no per-check charge.


• Receive overdraft protection by using your savings.


• Pre-authorized automatic drafts at no charge.


• VISA® Debit Card.  Accepted anywhere you see the VISA® logo.  Its fast, easy, and convenient to access your checking and save money on checks.  Also, access your savings or checking round-the-clock through ATM transactions.  It can also be used for mail order, internet purchases, hotel and airline reservations and more.  All with no fees.


• ATM machines available at Rome and Carrollton offices, as well as Georgia Power: Plants Bowen, Hammond, Wansley, Yates, and Lowes Distribution Center, Rome.


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Direct Deposit/Payroll Deduction


Direct deposit allows you to deposit any recurring check such as payroll, Social Security, or pension checks, directly into one of your accounts.


With payroll deduction, loan payments and saving deposits are made automatically.


Just ask your payroll department or the credit union if  these options are available at your place of employment.


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Stay in touch with the credit union 24 hours a day with CALL 24.  You can make a transaction, balance inquiry, and much more with this convenient phone service.


Using a touch tone phone, call 706.291.8637 or 1.888.340.3535.


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Internet Banking


Manage your credit union accounts through internet banking.  You can view your account balances, recent transactions, make transfers or loan payments, pay bills, and much more.  You can also view your monthly statements (if you have enrolled in e-statements).


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Making loans is what we do best.  We offer low interest loans for just about any occasion - all with an easy application and fast processing.


You have several loan repayment options.  Have your payments made automatically through payroll deduction (where available), in person, through our night depository, online, or by mail.


Vehicle Loans


If you need a loan on wheels, our competitive vehicle loans will get you on the road.  Whether you need a loan for a new car, truck, RV or boat, stop by the credit union for a pre-approved loan.  To help you prepare, you may download a credit application here and research automobile values by going to


Also, ask about our Guaranteed Auto Protection (GAP) insurance, Auto Deductible Reimbursement, and Vehicle Service COntracts.  GAP insurance covers the difference between the actual cash value of your new vehicle and the balance still owed on the financing in the unfortunate event of a total loss as determined by your primary insurance company.


Real Estate Loans


Whether you're in the market for a first mortgage or home equity loan, Georgia Power Northwest Federal Credit Union has the home advantage.

Get a first mortgage loan at a fixed rate for 15 or 30 years.  Closing costs are kept to a minimum.  Or take advantage of the available equity in your current home with a variable rate home equity loan.


For information or to apply for a mortgage, please click here.


For information or to apply for a home equity loan, please contact the credit union.


Student Loans


The credit union has partnered with Sallie Mae© to offer the Smart Option Student Loan.  For more information or to apply, please click here.


Personal Loans


For those members needing a personal loan, choose either a personal line-of-credit or a share-secured loan.  Rates and terms vary.


VISA® Credit Cards


Compare our low-interest VISA® to the other credit cards you carry - you'll find that it offers substantial savings.


Our card offers the following benefits:


• As low as 9.9% APR on purchases


• No annual fee


• A 25-day grace period, which allows you to pay off your balance without any finance charges


• No transaction fee on cash advances (interest accrues from the day of the advance)


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Other Services


As if our great loan and savings products weren't enough, you've also got access to these additional convenient services:


• VISA Gift Cards for All Occasions, Re-loadable TravelMoney Cards, and Re-loadable Everyday Spending Cards


• Safe Deposit Boxes


• Drive-up Window (8 to 5 Monday-Thursday, 8 to 6 Friday)


• Free Notary Public


• Credit Life and Disability Insurance


• Night Deposit


• Free coin machine (convert your coins into cash or deposit into your account)


• and of course, there's alway our personal, one-on-one, friendly service!


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You could save an average of $519.52*.  Get a quote.
Own Your Money!  Invest in America

To Report a Lost/Stolen Visa Credit Card, During Regular Business Hours, call the Credit Union at 706.232.6871.

After hours/weekends, call 1.800.325.3678.


To Report a Lost/Stolen Visa Debit Card, During Regular Business Hours, call the Credit Union at 706.232.6871.

After hours/weekends, call 1.800.554.8969.

The credit union mission has always been to ensure secure financial choices at lower costs for their members.  That’s why credit unions offer financial products that provide better returns on savings, reduced rates on loans and lower or no fees on services.  Unfortunately, the big banks and some in Congress want to raise taxes and impose new fees on 96 million credit union members who represent 40% of all Americans, yet represent only 6% of the assets in financial institutions. And, they want to do this despite the fact that credit unions are not-for-profit and meeting their core mission every day.



Congress needs to hear from our members, NOW!


Please call 1-877-642-4223 to be patched directly

to the office of your Senator or Representative.

Tell them, "Don't Tax My Credit Union!"


Visit to learn more,

and to send a message to your congressman!

*All loans subject to credit approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, and credit history.

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Copyright 2016 Georgia Power Northwest Federal Credit Union                Webmaster             Telephone 706.232.6871