Like all credit unions, Habersham FCU is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder – or an owner – of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.

We are owned and operated by our members. We exist solely for the purpose of serving our members' best interests.

Today Habersham FCU serves employees and their immediate family members of Habersham and Banks County Board of Education; Habersham County Board of Commissioners; Pioneer Resa and Tallulah Falls School.

To join the credit union, complete a membership card and make an opening deposit of at least $25 to your share/savings account. Once you join, you and your IMMEDIATE FAMILY members who join have a lifetime membership, even if you change jobs or move.