GEMC Federal Credit Union

Credit Builders for Youth
Solutions for Today.
Credit for Tomorrow.

Meet the needs of today and build your credit for tomorrow, all at GEMC FCU. We have created special products for young people designed to meet your unique needs and prepare youfor a successful future.

Secured Student Visa Credit Card
The Power to Pay and Prepare

A credit card in your name is not only a convenient way to pay for purchases and be prepared for an emergency, it is also one of your best tools for establishing credit. That’s why GEMC FCU is offering a Secured Student Visa® credit card. No credit history is necessary, and you only have to be 18 years old to apply.

The minimum credit line on the card is $250. It is designed to teach young adults to use credit cards responsibly. Our Student Visa is secured with a GEMC FCU savings account. That means that you must keep at least 125% of your credit line in your savings account. For example, if you desire a $300 credit line, you would deposit $375 into your savings account.

The card is packed with benefits:

Low 11.9% APR* fixed rate
No annual fee
Generous grace period on purchases
Acceptance wherever you see the Visa logo
Activity is reported to credit reporting agencies, helping build credit history.

Build your credit and enjoy the convenience of your own credit card. Call (770) 270-7851 or visit www.gemc.org, click on Forms and Applications, then click on VISA Application to apply.

*Annual Percentage Rate.

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President’s Letter
Dear Credit Union Member:

Being a member of GEMC FCU is something unique – something we believe you won’t find anywhere else. At GEMC, members WIN! We’ve worked hard to make sure that you get more at GEMC than you would at a typical financial institution. You get more because you are an owner of the credit union. We’re only here because of our members. That is just not true at a bank. So naturally, you will be treated with a different level of service and respect at your credit union. No bank looks at its cus-tomers as it’s sole purpose. But that is how our members are viewed here.

Ownership has privileges. Beyond the value and affordability we offer, its our personal service that sets us apart. Our individual members mat-ter to us, and we are always focused on the goal of building relationships with them that will help make their lives better.

I was recently at the Georgia Credit Union Affiliates’ Annual Convention. Our credit union was featured in a video that gave a great example of this life-long relationship I’m describing. One of our members, who has been part of the GEMC FCU family for 25 years,shared her experience with the credit union. We were so excited to hear her tell how GEMC has been able to make a difference in her life. She said that she had grown up with GEMC, coming here for her very first loan. That vacation loan kept her coming back for help with each newstage – purchasing a car and her first home and even getting a home equity loan. After 25 years, this member expressed that nothing could make her take her financial business somewhere else. She found something special at GEMC – some-thing we want all of our members to discover.

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