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Augusta Vah Credit Union

Overview
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Augusta Vah Credit Union is a federal credit union based in Augusta, Georgia. It has been opened since 1953, for 67 years.

With around $71,690,000 in assets, Augusta Vah Credit Union is considered to be a large credit union. It has 4 branches and 3 ATM locations.

About
Address 1267 Augusta West Parkway
Augusta, Georgia 30909
Website http://www.avahfcu.org
Phone (706) 855-2224
Fax (706) 854-8079
CEO Phyllis M. Cochran
President of the Board Gail Turner
Services Offered
Map
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Score Card
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67 years
Years in business
Opened in 1953
Well Capitalized
Net worth classification
Source: NCUA
9,741 members
Membership type: Community credit union
Above average number of members
348:1
Credit union member to staff ratio
348 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$71,689,162
Total assets
Above average
4 branches
Compared with an average of 4 nationally and 4 in Georgia
Above average number of branches
0.04%
Savings interest rate
Compared to 0.3% nationally
8.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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4 branches
Compared with an average of 4 nationally and 4 in Georgia
Above average number of branches
Augusta Vah Credit Union Branch Locations

Augusta Vah Credit Union: Augusta West Parkway
1267 Augusta West Parkway
Augusta, Georgia 30909
ATM Available
Augusta Vah Credit Union: Downtown Branch
950 15th Street
Augusta, Georgia 30901
ATM Available
Augusta Vah Credit Union: West Town Branch
3830 Washington Road Suite 34
Martinez, Georgia 30907
No ATM
Augusta Vah Credit Union: Uptown Branch
1 Freedom Way
Augusta, Georgia 30904
ATM Available
Members
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9,741 members
Membership type: Community credit union
Above average number of members

With 9,741 members, the Augusta Vah Credit Union is considered to be a large credit union. It is larger than 70% of credit unions.

Fees
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$116
Average fee per member
The average fee per member at the Augusta Vah Credit Union is $116, which is very high compared to most credit unions. This rate is higher than 90% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Augusta Vah Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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348:1
Credit union member to staff ratio
348 per each FTE employee
Compared to 411:1 nationally
Average number of staff
28 staff members
FTE (full-time equivalent)
7% of employees are part-time
27 full-time, 2 part-time

Augusta Vah Credit Union has 27 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 93% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Augusta Vah Credit Union has around 348 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
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$71,689,162
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
14.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$8,131
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 69% of credit unions.

Augusta Vah Credit Union holds a total of $39,900,000 in loans and leases, which is about $8,131 per member on average.

Savings interest rate
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0.04%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Augusta Vah Credit Union pays 0.04%.

Loan rates
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8.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.75%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.35%
New car loan rate
Compared to 4.0% nationally
3.13%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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6.51%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
6.51%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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