Enroll Now
Forgot Security Code
- Identity Theft

- Savings Rates
- Fee Schedule
- Loan Application

Reorder Deluxe Personal Checks

Youth Programs
zip code
atm branch
View all locations
Contact Us About Us E-Services Member Resources Checking Savings Loans Youth Accounts
Member Resources

Join GEMC Federal Credit Union

  • Who May Join?
    For detailed information on who is eligible to join, please click here.

  • How do I Join?
    Print out and complete the Membership Application and bring it to one of our branch locations. Click here for Branch Information and Locations. No appointment is necessary. Membership is established with a one-time, non-refundable $10 membership fee and a $5 deposit to a Share Savings Account.

  • Join at Work
    Employees of our member EMCs have the option to visit their EMC Credit Union Service Advisor to open their GEMC FCU account.

Reference Document: Membership Agreement & Disclosures

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

Moving from one financial institution to another doesn't have to be difficult. Use our Online Switch Kit to make the move quick and easy. Fill in your financial information once, and our Online Switch Kit automatically generates all the forms you will need to: close accounts at other financial institutions, move Automatic Payments (ACH), and Re-route Direct Deposits to your GEMC FCU account.

Click here for the Online Switch Kit.

ATM Locations
GEMC FCU has two ATM locations where you can use your GEMC FCU ATM or Debit card for unlimited surcharge-free transactions. These ATMs are conveniently located at our Douglasville branch and at our new location at the Carroll EMC Headquarters Office in Carrollton, GA.

4040 Bankhead Hwy
Douglasville, GA 30134
Carroll EMC - Headquarters Office
155 N. Highway 113
Carrollton, GA 30117

GEMC FCU is also a partner in the Credit Union 24 Network, offering thousands of surcharge-free ATM options nationwide using CU HERE terminals, and in Georgia using the MoneyPass network.

Explore the ATM/Branch Locator to the right to find the ATM most convenient to you. Click here to read our ATM Safety Notice.

Please note that there is a $2.00 fee per transaction at all non-GEMC FCU ATMs if more than 5 transactions are made in a calendar month. See Fee Schedule for details.

PowerLine® Automatic Teller

Phone Number: 1-888-462-2844

PowerLine® Teller allows you to access your account information anytime via the phone. You can check balances, make loan payments, and transfer balances with this convenient automated system. It is just another amazing and free service offered by GEMC FCU.

To begin using PowerLine® Teller either pick up an application at one of our locations or click here for a printable application. After you complete the application return it to the credit union for processing.

GEMC FCU has partnered with Credit Union Service Centers to offer GEMC FCU services to our members across the state and country. Members have over 3,800 Share Service Center Outlets available to make deposits, withdrawals, balance inquiries, transfer funds, and make loan payments.

Enter your search information into the ATM & Branch locator on the right side of this page to find a Service Center location convenient to your home, work, or travel location.

Due to the nature of a Service Center or Outlet, members cannot take part in any of the following services: opening any account, applying for a loan, picking up a loan check, anything involving IRAs, or negotiating certificate accounts. Deposit holds may apply. Please refer to the Funds Availability Policy Disclosure or contact the Credit Union.

GEMC Federal Credit Union strives to find ways to save our member's money. Our members are eligible for discounts on their homeowners or auto insurance through our partnership with Liberty Mutual Insurance Company. Many of our members have saved hundreds of dollars on their annual insurance costs!

Call today to see how much you could save by switching to Liberty Mutual Insurance. 

For a free, no-obligation quote, contact:

Michael Spells

Phone:  (770) 541-6679 ext. 56835


Online at

Discounts and programs are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Coverage provided and underwritten by Liberty Mutual Insurance Company and affiliates. 175 Berkeley St., Boston, MA.

Are you paying more than you have to for auto and home insurance?

Like most of us, you probably just pay your auto and home insurance when it comes due. But you could be paying more than you have to.

Travelers offers special savings to members on auto, home and renters insurance that are not available to the general public.

Plus, you can choose from valuable packages that bundle key coverages to meet your needs and budget. For example, you can add the Responsible Driver PlanSM that can help you avoid a rate increase following a first accident or minor violation for any driver on your policy. Unlike some insurers, Travelers allows you to purchase this option up front - even if you’ve already had an accident*.

Visit or call 1-800-842-5936 for a free quote today!

*Requirements vary by state

Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. Coverages, discounts, special program rates or savings, billing options, and other features are subject to availability and individual eligibility. Not all features available in all areas. © 2015 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.

On occasion Credit Union cars, trucks, RV's, boats, motorcycles or homes are available for sale to members. Financing is available through GEMC FCU.

  • For more information or to schedule a test drive, contact: Nancy
Contact Info: Phone Number: 470-514-3000

100% Financing Available With Approved Credit.
All vehicles are clean and a car FAX vehicle report has been pulled for review.

Photo Year Make Model and Description Mileage Priced at
2015 Dodge RAM 1500 Crew Cab 4x4 13,388 $28,000 Plus Tax


The GettingAhead Association

The GettingAhead Association (GAA) is designed to help you gain access to the information and services you need to improve your quality of life and reduce the cost of living. Membership is open to any individual who is genuinely committed to improving their own financial well-being.

The GettingAhead Association is a membership organization dedicated to helping our members improve their financial well-being through education, access to affordable financial services, and information about reliable vendors.


A national nonprofit consumer credit counseling agency. Since 1964, we have been helping people in financial distress move from crisis to control by providing compassionate service with innovative, yet practical solutions. Through our work, we inspire hope and lasting change.

Think of us as your financial emergency room. We assess your needs and develop a clear plan to stabilize your situation. We deliver the expert care and resources needed to restore and maintain your financial health.

ClearPoint provides counseling and education 24/7, in both English and Spanish, online and by telephone. We also offer in-person counseling at 25 offices located across the southeastern US. By clicking on the ClearPoint link, you will be directed to their website. You may also reach them at 1-877-345-3688.


The Edge Connection offers an award-winning, nationally recognized, multifaceted organization that delivers best-practices in micro enterprise and small business training, financial literacy, entrepreneurially focused technology training, and essential entrepreneurial support services to aid micro entrepreneurs to launch, sustain, or grow a business.


Discount Admission to Biltmore Estate

Member Cellular Discounts with Sprint

Sprint Discount Steps                         Sprint Discount Form


GEMC FCU is pleased to provide this fun and informative game. Visa and the National Football League have teamed up to help teach financial concepts with Financial Football, a fast-paced, interactive game that engages students while teaching them money management skills. Teams compete by answering financial questions to earn yardage and score touchdowns.


- Identity Theft
- eZCardInfo
- CUFS Mortgage Service
- Verified by Visa
Simplify your life with our convenient and free E-Services:
- Web Acct. Access Online Banking
- Web Bill Pay Service
Click here for more information.
Privacy Policy