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NCUA Insured Up to $250,000 Competitive APY on Savings No Monthly Fees on Checking 24/7 Online & Mobile Banking Home Loans from 6.25% APR Auto Loans from 4.99% APR NCUA Insured Up to $250,000 Competitive APY on Savings No Monthly Fees on Checking 24/7 Online & Mobile Banking Home Loans from 6.25% APR Auto Loans from 4.99% APR
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🏦 Trusted Since 1968  β€’  NCUA Insured

Banking Built
For Your Community

NorcrossCU puts members first β€” with better rates, fewer fees, and personalized service rooted right here in Norcross. Join 48,000+ members who chose community banking.

🏦 Open an Account Login
$2.4B
Total Assets
48K+
Members
55+
Years Serving
4.9β˜…
Member Rating
NorcrossCU
β€’β€’β€’β€’ β€’β€’β€’β€’ β€’β€’β€’β€’ 4821
Card Holder
JAMES MORRISON
⬀⬀
NorcrossCU GOLD
β€’β€’β€’β€’ β€’β€’β€’β€’ β€’β€’β€’β€’ 7034
Card Holder
LINDA CHEN
⬀⬀
πŸ”’
3D Secure Protected
256-bit SSL
0% Intro APR
12 Months
Our Products

Everything You Need to Thrive Financially

From everyday banking to long-term investments, NorcrossCU has a product designed for every stage of your life.

πŸ’³

Checking Accounts

Free checking with no monthly fees, free debit card, and unlimited transactions. Access 55,000+ surcharge-free ATMs.

No Fees
Free Debit
Learn More β†’
πŸ’°

High-Yield Savings

Grow your money faster with our competitive APY savings accounts. Set goals and watch your savings multiply.

5.10% APY
Open Today β†’
🏠

Home Loans

Competitive mortgage rates, local underwriting, and a streamlined process to get you into your dream home faster.

6.25% APR
Apply Now β†’
πŸ’Ž

Platinum Credit Card

Earn 3x rewards on dining & travel, 0% intro APR for 12 months, and world-class 3D Secure protection.

3x Rewards
0% Intro
Compare Cards β†’
$2.4B
Total Assets Under Management
48,000+
Satisfied Members Served
12
Convenient Branch Locations
55+
Years Serving Our Community
Why NorcrossCU

Banking That Actually Works for You

As a member-owned credit union, every decision we make is guided by one principle: what's best for our members.

πŸ†
Member-Owned & Not-For-Profit
Profits returned as better rates & lower fees
πŸ”’
NCUA Insured Up to $250,000
Your money is safe β€” always
πŸ“±
24/7 Digital Banking Access
Mobile app, online banking, and 55K+ ATMs
🀝
Local Decision Making
Your loan reviewed by local bankers who know you
πŸ’¬
Award-Winning Member Service
Rated #1 credit union in Georgia 3 years running
Banking Service
Member Stories

Hear From Our Members

β˜…β˜…β˜…β˜…β˜…

NorcrossCU helped me get my first home loan with a rate I couldn't find anywhere else. The process was smooth and the team felt like family.

KJ
Kevin Johnson
Homeowner, Member since 2018
β˜…β˜…β˜…β˜…β˜…

Switched from a big bank and never looked back. No fees, great rates, and actual humans who answer the phone. The Platinum card rewards are outstanding.

SM
Sandra Mitchell
Business Owner, Member since 2015
β˜…β˜…β˜…β˜…β˜…

The mobile app is super easy, my savings account earns way more than my old bank, and getting an auto loan was done in under 24 hours. Love it!

TR
Tyler Rodriguez
Student, Member since 2022
Mobile Banking

Bank From Anywhere, Anytime

Deposit checks with your phone, pay bills, transfer funds, and monitor your accounts 24/7 from our award-winning mobile app.

Mobile Banking
Home / About Us

Our Story & Mission

Building financial strength in Norcross and beyond since 1968

Our Mission

People Helping People

NorcrossCU was founded on the cooperative principle that people can achieve more together than alone. We exist not to maximize profit, but to improve the financial lives of our members and strengthen the communities we serve.

Every dollar you deposit is invested back into the community β€” as loans to local families, scholarships for local students, and support for small businesses that make Norcross what it is.

NCUA Insured: Your deposits are federally insured up to $250,000 by the National Credit Union Administration.

Community
Our History

55 Years of Community Banking

68
1968

Founded in Norcross

15 employees from a local manufacturing company pooled their savings to form NorcrossCU, serving just 47 members with $12,000 in assets.

82
1982

First Branch Expansion

Opened our second location on Buford Highway, extending service to a broader Gwinnett County community.

98
1998

Online Banking Launch

One of the first credit unions in Georgia to offer online banking, serving members in the digital age before it was common.

10
2010

$1 Billion in Assets

A major milestone β€” NorcrossCU crossed the $1B asset threshold, reflecting the trust of tens of thousands of members.

20
2020

Pandemic Relief Programs

Launched emergency loan deferral programs, financial hardship funds, and no-fee personal loans for members affected by COVID-19.

24
2024

Digital Transformation

Launched new AI-powered mobile app and 3D Secure credit card technology, keeping members secure in a digital-first world.

Leadership

Meet Our Executive Team

MH
Margaret Hayes
President & CEO
30-year banking veteran with a passion for community development and member advocacy.
DK
David Kim
Chief Financial Officer
CPA with expertise in credit union financial management and regulatory compliance.
AP
Alicia Pena
Chief Operations Officer
Leads digital transformation and operational excellence across all 12 branch locations.
RT
Robert Torres
Chief Technology Officer
Cybersecurity and fintech expert driving NorcrossCU's digital banking innovation.
Core Values

What We Stand For

🀝

Integrity

We do what we say and say what we mean. Always honest, always transparent.

🏘️

Community

Our roots run deep. We reinvest in Norcross and surrounding communities through scholarships, donations, and local hiring.

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Innovation

We constantly evolve our technology and products to meet members where they are in the digital age.

🎯

Excellence

From lobby to app, we strive for exceptional experiences that make every interaction count.

Home / Accounts

Accounts & Savings

The right account for every stage of your financial life

Checking Accounts

Free Checking, Always

βœ…

Free Checking

Our most popular account. No monthly fees, no minimum balance, free debit card, and access to 55,000+ ATMs nationwide.

$0/mo
No Minimum
Free Debit
Most Popular
⭐

Rewards Checking

Earn 2% cash back on debit purchases, 0.50% APY on balances, and enjoy premium member perks all year long.

0.50% APY
2% Cash Back
Free ATMs
🏒

Business Checking

Purpose-built for small businesses. Free transactions, ACH capabilities, payroll tools, and a dedicated business banker.

Payroll Tools
ACH
Low Fees
Savings & Investments

Grow Your Money Smarter

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High-Yield Savings

Earn more. No fees, no minimums, and an industry-leading rate.

5.10% APY
πŸ“…

Certificate of Deposit

Lock in guaranteed returns with terms from 3 months to 5 years.

5.40% APY (12mo)
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Youth Savings

Help kids build savings habits early with our youth account designed for ages 0–17.

3.00% APY
πŸ–οΈ

IRA Accounts

Traditional & Roth IRA options to help you retire on your terms with tax advantages.

Traditional
Roth
Current Rates

Deposit Rate Sheet

Rates effective as of June 2025. Subject to change without notice.

Account Type APY Min. Balance Monthly Fee
Free Checking 0.01% $0 $0
Rewards Checking 0.50% $0 $0
High-Yield Savings 5.10% $1 $0
12-Month CD 5.40% $500 $0
Youth Savings 3.00% $1 $0
Home / Loans

Loans & Financing

Competitive rates, fast decisions, local expertise

Loan Products

The Right Loan for Every Need

🏠

Home Purchase Mortgage

Buy your dream home with our fixed and adjustable-rate mortgages. Local underwriting means fast approvals and personal service.

6.25% APR from
30yr Fixed
15yr Fixed
ARM
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Home Refinance

Lower your payment, reduce your rate, or tap into home equity. Our refinance specialists make the process simple.

6.10% APR from
Rate/Term
Cash-Out
πŸš—

Auto Loans

New or used vehicles, we offer competitive rates and terms up to 84 months. Get pre-approved before you shop.

4.99% APR from
New
Used
Refi
πŸŽ“

Student Loans

Invest in your future with flexible student loan options and deferred payment during school enrollment.

5.50% APR from
Undergrad
Grad
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Personal Loans

Consolidate debt, fund renovations, or handle unexpected expenses with our flexible personal loans.

8.99% APR from
Unsecured
Quick Decision
πŸ—οΈ

Home Equity Line

Unlock your home's equity with a flexible HELOC β€” use funds as needed, pay only what you borrow.

7.25% APR from
Revolving
10yr Draw
Tools

Loan Payment Calculator

Estimate your monthly payments before you apply. Adjust the sliders to see how loan amount and term affect your payment.

⚑
Fast Approval Decisions
Most decisions made within 24 hours
πŸ“‹
Simple Application
Apply online in under 10 minutes
πŸ§‘β€πŸ’Ό
Dedicated Loan Officer
Your personal point of contact throughout the process

Payment Estimator

Adjust values to estimate your monthly payment

Estimated Monthly Payment
$760.55
36 payments β€’ Total: $27,379.80
Home / Credit Cards

NorcrossCU Credit Cards

Smarter spending, bigger rewards, total security

Choose Your Card

Find Your Perfect Card

Best Value
Platinum Card
3x
Points on Dining & Travel
βœ… 0% Intro APR for 12 months
βœ… 3x points dining & travel
βœ… 1.5x points all other purchases
βœ… $0 annual fee first year
βœ… 3D Secure authentication
βœ… Travel & purchase protection
Then 17.99%–24.99% variable APR
Gold Card
2x
Points on All Purchases
βœ… 0% Intro APR for 6 months
βœ… 2x points on every purchase
βœ… $50 annual cashback bonus
βœ… No foreign transaction fees
βœ… 3D Secure authentication
19.99% variable APR
Classic Card
1x
Points on Every Purchase
βœ… 0% Intro APR for 3 months
βœ… 1x points all purchases
βœ… Easy credit building
βœ… $0 annual fee
βœ… 3D Secure authentication
21.99% variable APR
πŸ” Advanced Security Technology

3D Secure β€” Your Shield Against Fraud

Every NorcrossCU credit card features EMV 3D Secure 2.0, the global standard for card-not-present transaction authentication. Shop online with absolute confidence.

Platinum
Gold
Classic
PLATINUM
NorcrossCU
β€’β€’β€’β€’  β€’β€’β€’β€’  β€’β€’β€’β€’  4821
Card Holder
JAMES A. MORRISON
Expires
09/28
⬀⬀
JAMES A. MORRISON
β€’β€’β€’
This card is property of NorcrossCU. If found, please call 1-800-555-0192.
Protected by 3D Secure EMV 2.0. NCUA Insured. Member owned since 1968.
πŸ”’ 3D Secure Enabled
↻ Tap card to flip
πŸ” EMV 3D Secure 2.0

Platinum Card Security

The NorcrossCU Platinum Card uses the latest EMV 3-D Secure 2.0 protocol to verify your identity at the point of every online transaction β€” without interrupting your checkout experience.

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3D Secure Authentication
Dynamic OTP verification on every online purchase
🧠
AI Fraud Intelligence
Real-time machine learning monitors 200+ risk signals
🌍
Global Acceptance
Accepted at 40+ million merchants in 200+ countries
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Instant Mobile Alerts
Push notifications on every transaction, anywhere
πŸ›‘οΈ
Zero Liability Protection
100% protected against unauthorized transactions
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3x Rewards Points
On dining, travel, and entertainment worldwide
0% Intro APR 12mo
$0 Annual Fee Yr 1
$0 Foreign TX Fee
3x Travel Points

How 3D Secure Works

Every online transaction goes through a multi-layer verification process β€” invisible when low-risk, stepped-up when needed.

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Step 1

Checkout Initiated

You enter your NorcrossCU card details at an online merchant's checkout page.

🧠
Step 2

Risk Assessment

Our AI analyses 200+ signals β€” device, location, behavior, amount β€” in milliseconds.

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Step 3

Identity Verified

If flagged, you receive a one-time passcode via SMS or biometric prompt in the app.

βœ…
Step 4

Payment Approved

Transaction completes securely. You receive an instant push notification confirming approval.

Rewards Program

Every Purchase Earns More

NorcrossRewards points never expire and can be redeemed for travel, gift cards, statement credits, and merchandise in our rewards portal.

✈️
Redeem for Travel
Flights, hotels, car rentals at premium value
🎁
Gift Cards & Merchandise
500+ brand partners in the rewards catalog
πŸ’΅
Statement Credits
Offset your balance dollar-for-dollar with points
🀲
Donate to Charity
Convert points into donations for local nonprofits
Rewards
Home / Contact Us

Get in Touch

We're here to help β€” by phone, email, or in person

Send Us a Message

We typically respond within 1 business day. For urgent matters, please call us.

Contact Information

Reach us through any of these channels

πŸ“ž
Main Phone
(770) 555-0192
πŸ†˜
24/7 Lost/Stolen Card Hotline
1-800-555-0911
πŸ“§
Email
service@norcrosscu.org
πŸ“
Headquarters
123 Main Street, Norcross, GA 30071

Branch Hours

Monday – Thursday9:00 AM – 5:00 PM
Friday9:00 AM – 6:00 PM
Saturday9:00 AM – 1:00 PM
SundayClosed
Drive-ThroughUntil 6 PM M–F

πŸ“ Branch Locations

🏒 Main Branch β€” 123 Main Street, Norcross GA
🏒 Buford Highway β€” 4500 Buford Hwy NE, Atlanta GA
🏒 Peachtree Corners β€” 200 Technology Pkwy, Suite 100
🏒 Duluth Branch β€” 3300 Satellite Blvd, Duluth GA
🏒 Lawrenceville β€” 455 Grayson Hwy, Lawrenceville GA
Support

Frequently Asked Questions