This recognition highlights Credit Union of Georgia’s continued commitment to delivering exceptional financial services, personalized member care, and meaningful community impact throughout Cobb County.

“We are incredibly honored to be recognized as Best of Cobb 2026,” said Brian Albrecht President/CEO “This award is especially meaningful because it reflects the voices of our members and community. At Credit Union of Georgia, our mission has always been to put people first, and this recognition reinforces the trust our members place in us every day.”

The Best of Cobb awards celebrate outstanding businesses and organizations that demonstrate excellence in service, value, and community engagement. Winners are selected through a public voting process conducted by the Marietta Daily Journal.

Credit Union of Georgia has a long-standing tradition of supporting local schools, nonprofits, and community initiatives, while providing a full range of financial products and services designed to help members achieve their financial goals.

“We share this achievement with our incredible members, dedicated team, and the communities we proudly serve,” added Albrecht. “Thank you for your continued support and trust.”

For more information about Credit Union of Georgia and its services, please visit www.cuofga.org.

About Credit Union of Georgia

Credit Union of Georgia has been a part of the Northwest Georgia Community since 1960 and serves those who live and work in Cobb, Bartow, Cherokee, Dawson, Douglas, Fannin, Forsyth, Fulton, Gilmer, Lumpkin, Paulding, Pickens and Union counties. Credit Union of Georgia is consistently awarded accolades, including Best of Georgia, Best of Cobb and Best of Cherokee. Credit Union of Georgia is a state-chartered credit union organized under the Georgia Department of Banking and Finance, and its deposit accounts are federally insured through the National Credit Union Share Insurance Fund.

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As part of its sponsorship, Credit Union of Georgia also hosted the evening’s exciting PLINKO game, giving attendees a chance to participate in a fun and memorable highlight of the event. During the game, Darrah Smith, a teacher at Woodstock High School, won the top prize of $10,000, creating one of the most celebrated moments of the night.

“We are honored to support the Cherokee County Educational Foundation and the incredible work they do to empower teachers and students,” said Brian Albrecht, President/CEO of Credit Union of Georgia and Cherokee County Educational Foundation (CCEF) Board Member. “Education plays a vital role in strengthening our community, and it was a privilege to celebrate and give back to the educators who make such a difference every day.”

The Shamrocks & Shenanigans Gala raised a record $250,000 to support teacher grants, student scholarships, and innovative classroom initiatives throughout the Cherokee County School District. Credit Union of Georgia’s involvement reflects its long-standing commitment to supporting education and investing in the communities it serves.

Credit Union of Georgia extends its congratulations to Darrah Smith and its appreciation to the Cherokee County Educational Foundation for hosting an inspiring evening dedicated to education.

For more information about Credit Union of Georgia, visit cuofga.org.

About Credit Union of Georgia
Credit Union of Georgia has been a part of the Northwest Georgia Community since 1960 and serves those who live and work in Cobb, Bartow, Cherokee, Dawson, Douglas, Fannin, Forsyth, Fulton, Gilmer, Lumpkin, Paulding, Pickens and Union counties. Credit Union of Georgia is consistently awarded accolades, including Best of Georgia, Best of Cobb and Best of Cherokee. Credit Union of Georgia is a state-chartered credit union organized under the Georgia Department of Banking and Finance, and its deposit accounts are federally insured through the National Credit Union Share Insurance Fund.

Last Updated: March 23, 2026

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The award was presented during the Cherokee County Schools Partner of the Year celebration at the Frank Petruzielo Educational Services Center on Thursday, March 12, 2026.

Representing Credit Union of Georgia, Emily Hewitt, Cherokee Area Business Development Officer, Sarah Burton, Towne Lake Branch Manager, and Brian Albrecht President/CEO accepted the award on behalf of the organization. The recognition celebrates the Credit Union’s dedication to building meaningful partnerships with local schools and supporting educational initiatives that benefit students and staff.

Credit Union of Georgia has worked closely with E.T. Booth Middle School through volunteer efforts, school support programs, and community engagement initiatives designed to enrich the educational experience and strengthen connections between local businesses and schools.

“We are incredibly honored to be recognized by E.T. Booth Middle School as Partner of the Year,” said Amanda Arnold, Director of Community Outreach. “Supporting our local schools and investing in the success of students and educators is a priority for Credit Union of Georgia, and we are grateful for the opportunity to partner with such an outstanding school community.”

The Partner of the Year recognition highlights organizations that go above and beyond in their commitment to supporting schools through volunteerism, collaboration, and community involvement.

Credit Union of Georgia remains dedicated to strengthening the communities it serves through partnerships with local schools, nonprofit organizations, and community programs that create lasting impact.

For more information about Credit Union of Georgia, visit cuofga.org.

About Credit Union of Georgia
Credit Union of Georgia has been a part of the Northwest Georgia Community since 1960 and serves those who live and work in Cobb, Bartow, Cherokee, Dawson, Douglas, Fannin, Forsyth, Fulton, Gilmer, Lumpkin, Paulding, Pickens and Union counties. Credit Union of Georgia is consistently awarded accolades, including Best of Georgia, Best of Cobb and Best of Cherokee. Credit Union of Georgia is a state-chartered credit union organized under the Georgia Department of Banking and Finance, and its deposit accounts are federally insured through the National Credit Union Share Insurance Fund.

Last Updated: March 16, 2026

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Winiarczyk was honored during the organization’s annual recognition event, where community leaders gathered to celebrate individuals who demonstrate outstanding service and commitment to strengthening businesses and community partnerships across Northeast Cobb.

As Business Development Officer for Credit Union of Georgia, Winiarczyk plays a vital role in building relationships with local businesses, supporting community initiatives, and helping individuals and organizations achieve their financial goals. Her passion for community involvement extends far beyond her professional role, as she actively volunteers her time to support numerous local events and programs.

“Kathy embodies the spirit of service that Credit Union of Georgia stands for,” said Amanda Arnold, Director of Community Outreach “Her dedication to uplifting our local business community and her genuine passion for helping others make her incredibly deserving of this honor. We are proud to have her representing Credit Union of Georgia.”

The Businessperson of the Year award recognizes members of the Northeast Cobb Business Association who demonstrate outstanding leadership, community involvement, and a commitment to supporting the growth and success of fellow businesses.

Credit Union of Georgia congratulates Kathy Winiarczyk on this well-deserved recognition and appreciates her for the meaningful impact she continues to make in the communities we serve.

For more information about Credit Union of Georgia, visit cuofga.org.

About Credit Union of Georgia
Credit Union of Georgia has been a part of the Northwest Georgia Community since 1960 and serves those who live and work in Cobb, Bartow, Cherokee, Dawson, Douglas, Fannin, Forsyth, Fulton, Gilmer, Lumpkin, Paulding, Pickens and Union counties. Credit Union of Georgia is consistently awarded accolades, including Best of Georgia, Best of Cobb and Best of Cherokee. Credit Union of Georgia is a state-chartered credit union organized under the Georgia Department of Banking and Finance, and its deposit accounts are federally insured through the National Credit Union Share Insurance Fund.

Last Updated: March 12, 2026

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Through this partnership, Credit Union of Georgia is encouraging families and community members to get involved in a program that gives back directly to the local baseball program. When new members join Credit Union of Georgia and select Hobgood Baseball during the application process, $50 is donated to the Hobgood Baseball program and an additional $50 is contributed to the Credit Union of Georgia Community Foundation, helping support youth athletics, education initiatives, and local charitable programs.

“We are always looking for meaningful ways to invest in our communities,” said President/CEO of Credit Union of Georgia. “Partnering with Hobgood Baseball allows us to support youth development while also engaging families in opportunities that strengthen both their financial future and the programs that matter most to them.”

The partnership highlights the shared values of teamwork, leadership, and community involvement, principles that are central to both youth sports and financial success.

“This partnership is about more than baseball,” said Michelle Dobbins, VP of Marketing and Foundation board member at Credit Union of Georgia. “It’s about creating opportunities for families to support local programs while learning how financial institutions like credit unions reinvest in the communities they serve.”

Credit Union of Georgia kicked off the partnership by participating in Opening Day at the Hobgood Baseball Complex on Saturday, March 7, where team members were onsite celebrating the start of the season with players, families, and volunteers. The Credit Union hosted a booth with giveaways, connected with local families, and shared information about the membership promotion that directly benefits the league.

“Our employees love being part of events like Opening Day because it allows us to engage directly with the families we serve,” said Amanda Arnold, Director of Community Outreach for Credit Union of Georgia. “Supporting Hobgood Baseball is another way we can give back to a program that plays such an important role in teaching teamwork, sportsmanship, and confidence to young athletes in our community.”

Hobgood Baseball serves hundreds of youth athletes each season, providing opportunities for boys and girls in the community to develop baseball skills, build friendships, and learn important life lessons through sports.

For more information about the partnership or to learn how joining Credit Union of Georgia can support Hobgood Baseball, visit www.cuofga.org/hobgood.

About Credit Union of Georgia Community Foundation, Inc.
Credit Union of Georgia Community Foundation is a 501(c)(3) organization and is dedicated to making a meaningful impact in the local communities Credit Union of Georgia serves. The Foundation was created with the mission to support individuals, schools, non-profits, and community organizations through charitable giving, volunteerism, and strategic partnerships. The Foundation embodies Credit Union of Georgia’s commitment to enhancing lives by providing solutions and guidance for every stage of life. Please visit cuoga.org/foundation to learn more.

About Credit Union of Georgia
Credit Union of Georgia has been a part of the Northwest Georgia Community since 1960 and serves those who live and work in Cobb, Bartow, Cherokee, Dawson, Douglas, Fannin, Forsyth, Fulton, Gilmer, Lumpkin, Paulding, Pickens and Union counties. Credit Union of Georgia is consistently awarded accolades, including Best of Georgia, Best of Cobb and Best of Cherokee. Credit Union of Georgia is a state-chartered credit union organized under the Georgia Department of Banking and Finance, and its deposit accounts are federally insured through the National Credit Union Share Insurance Fund.

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• You are not eliminating your debt — you are shifting it from one credit card account to another.
• This is most commonly done to take advantage of lower interest rates, especially promotional introductory offers.
• Once the transfer is complete, you make payments to the new credit card issuer under the new terms (including the new interest rate and due dates).

For example, if you have a credit card balance of $5,000 with a high interest rate on one card, and you’re approved for a new credit card with 0% APR* on balance transfers for 12 months, you can shift that $5,000 debt to your new card. During the promotional period, you could pay down that principal without accruing interest.

How Does a Balance Transfer Work? 

1. Apply for a Card with a Balance Transfer Offer

• Most balance transfer cards include a promotional interest rate

2. Provide Transfer Details

• To initiate a balance transfer, you’ll provide the new card issuer with:

1. The name of the old card issuer
2. The account number
3. The amount you want to transfer

• The issuer will handle the actual payout – meaning that the financial institution will pay off your first card’s balance directly.

3. Repay Under the New Terms

• Once the transfer is complete:
  • Your debt is on the new card
  • Document your new cards payment schedule
    • Set up Bill Pay to make sure you never miss a payment

Balance transfers don’t happen instantly — they can take several days to a few weeks to complete — so keep making payments on your old card until it shows a zero balance.

How Balance Transfers Can Help Consumer Cardholders 

For consumer credit card holders, a balance transfer can be especially helpful if you’re looking for a structured way to reduce interest and regain control of your finances.  A balance transfer may be a good fit for you if you:

• Carry a balance on one or more high-interest credit cards
• You’re making payments, but feel like the interest is slowing your progress
• Want to consolidate multiple balances into one monthly payment
• Have a plan to pay down debt during a promotional or lower-interest period
• Prefer predictable payments and clearer payoff timelines

Balance transfers tend to work best for members who are committed to paying down existing debt and want to make their payments work harder toward the balance itself—not just interest. When paired with responsible spending habits, this option can support long-term financial wellness and peace of mind.

How Balance Transfers Can Help Business Cardholders 

For business owners, managing debt strategically can be just as important as generating revenue. A balance transfer may be a smart option when high-interest credit card balances are impacting cash flow or limiting growth opportunities.

A balance transfer may be a good fit for your business if you:

• Carry existing business credit card debt at a high interest rate
• Want to lower monthly finance charges to improve cash flow
• Need a more organized way to manage business expenses
• Are planning ahead for steady repayment without taking on new debt
• Want to focus on growth instead of compounding interest costs

Business balance transfers work best for cardholders who have a clear repayment strategy and consistent revenue. By reducing interest expenses, business owners may be able to redirect funds toward operations, inventory, or future investments—while keeping finances easier to manage.

Is a Balance Transfer Right for You?

You may be a good candidate for a balance transfer if:

• You currently carry a balance on a high-interest credit card
• You want to reduce the amount of interest you pay overtime
• You have a plan to pay down your balance, not just move it
• You prefer one monthly payment instead of multiple bills
• You can commit to making on-time payments every month
• You plan to avoid adding new debt while paying off the transferred balance

Consumer Cardholder Checklist:

• Your debt comes from everyday or unexpected expenses
• You want to simplify your finances and regain momentum
• You’re focused on improving your overall financial wellness

Business Cardholder Checklist:

• High interest charges are impacting your cash flow
• You want clearer tracking of business expenses
• You have consistent revenue to support a repayment plan
• You’re looking to reduce costs while keeping operations moving

A balance transfer can be a smart tool when used thoughtfully. It can save you money on interest, make repayment easier, and help refocus your financial goals. But, like all financial products, it works best when paired with a plan — and a trusted partner to help you understand the full picture.

Ready to learn more? Visit our consumer credit cards page.

For business owners looking to consolidate their debt, follow this link to business credit cards.

Need help setting up a balance transfer? Read our balance transfer page for a step-by-step guide. 

Last Updated: February 24, 2026

By: Alee Reddick-Hodges

The post What is a Balance Transfer? appeared first on Credit Union of Georgia.

Here’s exactly how the process works and what to expect along the way: 

Step 1: Apply Online or In-Branch 

You can start your application anytime—whether or not you’ve already picked out a vehicle. Apply online here, stop by any of our seven branch locations to get started in person, or give us a call using one of the numbers below.  

Local Number: 678-486-1111 

Toll-Free Number: 1-888-672-5242 

When you apply, you’ll fill out a simple form where you can note whether you already have a car in mind. 

Step 2: Talk With Our Team 

After you apply, one of our team members will reach out directly to learn more about your goals, needs, and preferences. Think of us as your trusted advisor. We’ll walk you through costs, help estimate your monthly payments, and make sure you understand exactly what your financing might look like before you start shopping. 

You may be asked to provide a copy of your current auto insurance and proof of income so we can complete your pre-approval file. 

Step 3: Quick, Local, In-House Decision-Making 

Once your application is complete, it heads to our local underwriting team for review. Because everything happens in-house, decisions are made quickly—often the same day. 

When approved, you’ll receive a pre-approval letter that shows dealerships that you’re already set with financing. You can take this letter with you when you shop for your vehicle. 

Step 4: Go Car Shopping With Confidence 

With your pre-approval in hand, you can shop just like a cash buyer. When you find the right car, you’ll provide your pre-approval letter to the dealership. 

You’ll likely go through some price discussions and negotiations with the dealer. If you’d like, our team can help review offers and ensure you’re getting a fair deal. All you have to do is give your dedicated team member a call.  

Step 5: Finalize Your Purchase 

Once you and the dealership agree on a final price, the dealer will prepare a buyer’s order which is the document listing your purchase details. You’ll share that with us, along with proof of insurance and income (if we don’t already have them). 

Our team will review all the paperwork to confirm everything looks correct and issue a check for the purchase. Before we finalize, we’ll go over your final rate, loan term, monthly payment, and any dealership fees to make sure everything matches your expectations. 

Depending on the dealership’s policy, you may either leave with your car right away or after they receive our check. Either way, we’ll coordinate directly with you and the dealer to ensure a quick, seamless process. 

Understanding What Affects Your Loan Approval and Rate 

A few factors determine your loan approval and final rate: 

• Credit score and payment history 

• Debt-to-income (DTI) ratio 

• Vehicle age and mileage 

• Loan term (the length of time you choose to pay it off) 

Together, these help us determine your overall borrowing power and what rate and payment options will work best for you. 

The Bottom Line 

Getting pre-approved for an auto loan at Credit Union of Georgia takes the guesswork out of car shopping. You’ll know what you can afford, have financing ready to go, and can count on a local team dedicated to making your experience smooth from start to finish. 

Ready to get started? Apply for pre-approval today and drive off with confidence—and a great rate! 

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Founded in 1960 with a mission to support local teachers and school staff, Credit Union of Georgia has grown into a comprehensive financial partner without losing its educational roots. Their team emphasizes accessibility and real-world knowledge, helping members navigate everything from basic budgeting to the local homebuying market with confidence. As a not-for-profit credit union, they direct earnings back to their members through competitive rates, practical tools, and a model that prioritizes people over shareholders. Their guiding motto, Better Banking. Better Benefits. Better Believe It., reflects a philosophy centered on clarity and empowerment rather than complexity.

“We see our role as more than providing accounts and loans. Our goal is to make financial decisions easier for the people who rely on us,” said Brian Albrecht, President/CEO at Credit Union of Georgia. “This award is a meaningful reminder that steady, thoughtful service makes a real difference in our communities.”

The 2025 Best of Georgia Award is the latest in a long string of victories for Credit Union of Georgia. They also took home the Best of Georgia Award in 2020, 2021, 2023, and 2024, in addition to earning the Best of Georgia Regional Award in 2022. As they celebrate their newest recognition, Credit Union of Georgia remains focused on expanding financial education, enhancing member experiences, and investing in tools that keep banking simple and accessible for every stage of life.

For more information about Credit Union of Georgia and its community involvement, visit www.cuofga.org.

About Credit Union of Georgia
Credit Union of Georgia has been a part of the Northwest Georgia Community since 1960 and serves those who live and work in Cobb, Bartow, Cherokee, Dawson, Douglas, Fannin, Forsyth, Fulton, Gilmer, Lumpkin, Paulding, Pickens and Union counties. Credit Union of Georgia is consistently awarded accolades, including Best of Georgia, Best of Cobb and Best of Cherokee. Credit Union of Georgia is a state-chartered credit union organized under the Georgia Department of Banking and Finance, and its deposit accounts are federally insured through the National Credit Union Share Insurance Fund.

Last Updated: January 15, 2026

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During the month of December, Credit Union of Georgia employees volunteered their time to ring the bell for The Salvation Army at the Kroger on Cherokee Street in Kennesaw. Over the course of one week, 48 employees contributed nearly 100 volunteer hours, raising $3,611 to support The Salvation Army’s mission of serving those in need.

The impact was doubled thanks to the Credit Union of Georgia Community Foundation, which matched the funds raised dollar-for-dollar. As a result, a total of $7,222 was donated to The Salvation Army to support vital programs and services in the local community.

“We love ending the year on a positive note, and our employees truly embodied the spirit of ‘Doing the Most Good’ this holiday season,” said Amanda Arnold, Director of Community Outreach. “Their willingness to give their time and energy during such a busy time of year reflects the heart of who we are as a credit union.”

Credit Union of Georgia extends its sincere gratitude to every employee who volunteered, as well as to the Credit Union of Georgia Community Foundation for amplifying the impact of their efforts. This initiative highlights the credit union difference of people helping people, especially when it matters most.

For more information about Credit Union of Georgia and its community involvement, visit www.cuofga.org.

About Credit Union of Georgia
Credit Union of Georgia has been a part of the Northwest Georgia Community since 1960 and serves those who live and work in Cobb, Bartow, Cherokee, Dawson, Douglas, Fannin, Forsyth, Fulton, Gilmer, Lumpkin, Paulding, Pickens and Union counties. Credit Union of Georgia is consistently awarded accolades, including Best of Georgia, Best of Cobb and Best of Cherokee. Credit Union of Georgia is a state-chartered credit union organized under the Georgia Department of Banking and Finance, and its deposit accounts are federally insured through the National Credit Union Share Insurance Fund.

Last Updated: December 31, 2025

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The conversion to a new core banking platform was finalized on July 7, following months of planning, testing, and member communication. This upgrade enhances the credit union’s ability to serve its growing membership with improved efficiency, security, and flexibility.

“We’re excited to bring our members a more modern and responsive banking experience,” said Brian Albrecth, CEO of Credit Union of Georgia. “This upgrade allows us to offer new features, streamline operations, and continue building a future-ready financial institution.”

Key Benefits of the Upgrade:

• Improved Online & Mobile Banking: Faster, more intuitive interfaces with enhanced functionality.
• Real-Time Account Updates: Transactions and balances now reflect instantly across platforms.
• Expanded Member Services: Greater flexibility in loan processing, account management, and support.

Throughout the transition, Credit Union of Georgia remained focused on minimizing disruption and ensuring members were informed every step of the way. The credit union thanks its members for their patience and support during the process.

About Credit Union of Georgia
Credit Union of Georgia has been a part of the Northwest Georgia Community since 1960 and serves those who live and work in Cobb, Bartow, Cherokee, Dawson, Douglas, Fannin, Forsyth, Fulton, Gilmer, Lumpkin, Paulding, Pickens and Union counties. Credit Union of Georgia is consistently awarded accolades, including Best of Georgia, Best of Cobb and Best of Cherokee. Credit Union of Georgia is a state-chartered credit union organized under the Georgia Department of Banking and Finance, and its deposit accounts are federally insured through the National Credit Union Share Insurance Fund.

Last Updated: December 31, 2025

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