frequently asked questions

General Questions:

While both Credit Unions are financially sound, a combination of the two Credit Unions’ assets and resources will give both Associated Credit Union & Coca-Cola Credit Union greater financial strength as well as the ability to better serve its members. The combined Associated Credit Union will have assets of roughly $2.5 billion, compared to Coca-Cola Credit Union’s current $240 million. Accounts will continue to be federally insured by the National Credit Union Administration.
Associated Credit Union, a $2 billion financial institution that serves more than 156,000 members at 18 locations in Atlanta, Augusta, Carrollton, and Dawsonville, offers members financial products that fulfill their needs, service that exceeds their expectations, and relationships that inspire their trust. The Associated Credit Union Foundation, a 501(c)(3) nonprofit, provides fundraising and volunteer opportunities for employees and members to support charitable organizations. For more information about Associated Credit Union, visit acuonline.org
When the merger is complete, CCCU members will have access to many additional products and services. These include:
- Expanded Branch and ATM Network: Members will gain access to 17 branches and thousands of ATMs across the state of Georgia, providing more convenient banking options.
- Improved Technology Solutions: State-of-the-art digital banking platforms will enhance the ease and convenience of online and mobile banking services.
- Comprehensive Financial Products: Our combined expertise will enable us to offer a wider range of financial products and services tailored to meet the diverse needs of our members.
- Strengthened Community Presence: Together, we will continue to support and invest in our local communities, promoting financial education and wellness.
No, the merger has not yet taken effect. The Boards of both Credit Unions voted to apply for the proposed merger, and the application has been approved by both the Georgia Department of Banking and Finance (DBF) and the National Credit Union Administration (NCUA). The next step will be for Coca-Cola Credit Union to hold a special meeting of its members to vote on the proposed merger.
The two Credit Unions will become a single Credit Union known as Associated Credit Union. Each member of CCCU will have the same voting powers and the same membership rights as any other member of Associated Credit Union. Each member’s accounts will continue to be federally insured by the National Credit Union Administration (NCUA).
Once the merger is completed, we will serve our members under the Associated Credit Union name.
Every CCCU employee will be offered a position at ACU.
ACU and The Coca-Cola Company will pursue the possibility of retaining the current branch and office space following the merger. More information will be shared later.
Existing accounts at CCCU will be transferred to ACU with the same balances, ownership, etc. At some point, account numbers may change, but you will receive plenty of notice before any changes. Until then, your transactions will continue to clear using your “old” account numbers, checks and cards.
No. Credit unions are not-for-profit cooperatives. No board members, executives or members will profit from the proposed merger.
Yes. We are still servicing our members during this transition period and they can still apply for loans with us, or open accounts including checking and CD’s.
Yes. You can continue using your existing CCCU account numbers, debit/credit cards, checks, and online banking without any changes at this time. Direct deposits, transfers and payments will also continue to process normally.
In the unlikely event the merger with ACU is not approved by the CCCU membership, the CCCU Board and management will consider other options. Thankfully, CCCU is very well-capitalized with a net worth of approximately 11.5% (more than 60% above the 7% minimum net worth to be considered well-capitalized by our regulatory agency NCUA). We have the financial strength to ensure we can make a calm, well-considered decision if we must pursue alternatives to this merger.
The above being said, there have been more than 5,000 successful credit union mergers in the past thirty-five years. Only a handful of intended mergers failed due to lack of member approval. The CCCU Board only made the decision to move ahead with the proposed merger with ACU after careful consideration of ACU and other potential partners. We recommend exploring ACU’s website (www.acuonline.org) to learn about ACU’s locations, products, services, and commitment to its members and communities.
The proposed merger will not affect the terms and conditions of any existing home mortgage or car loans. All loans and mortgages will transfer as is, meaning they will remain subject to the current terms, conditions, and contracts originally agreed upon. Members will continue to make payments as per their existing schedule, and there will be no changes to loan balances, interest rates, or repayment terms as a result of the merger. If there are any changes in servicing or communication, members will be notified well in advance and provided with all necessary details.

merger vote Questions:

The Boards of Directors of both credit unions and our regulators have approved the merger. The final decision is now up to our members, which is determined by a membership vote. We hope you VOTE YES for this exciting partnership.
All eligible members have been sent voting materials by U.S. postal mail from an independent ballot firm that is conducting the vote. Completed ballots must be received by December 11, 2025, to be counted. To vote, members can do one of the following:
- Vote by Mail: Every member in good standing, as of October 2, 2025, was sent a ballot by mail. To cast your vote, you can return your ballot in the postage-paid return envelope provided in the voting packet, so it is received by the independent ballot firm no later than December 11, 2025.
- Vote in Person: Members can vote during the Special Member Meeting at 4:30PM ET on December 11, 2025. This meeting is the last opportunity to cast your vote.
Primary accountholders in good standing, who are at least 18 years old, are eligible to vote and have been sent voting materials via U.S. postal service.
If you’re a primary accountholder, aged 18 or older, and did not receive a ballot, you can request a replacement by visiting our branch located inside Coca-Cola Headquarters or by contacting our Member Services team at 404-676-2586 to have one mailed to you.
The Special Member Meeting will take place on Thursday, December 11, 2025, at 4:30 PM ET, at Coca-Cola Headquarters (USA 2 – Reach), located in Atlanta, GA. If you plan to join in-person, please contact our Member Services Team at 404-676-2586 or email creditunion@coca-cola.com to be added to the Guest Registration System. The Special Member Meeting is the last opportunity for you to ask questions about the proposed merger and cast your vote.
You do not need to attend the Special Member Meeting to vote. You can vote by mailing in your ballot using the pre-addressed, postage-paid envelope included in your voting packet, so it is received by December 11, 2025, and your vote will be counted.
Yes — you can drop off your ballot to our branch located inside Coca-Cola Headquarters. Please contact our Member Services Team at 404-676-2586 or email creditunion@coca-cola.com to be added to the Guest Registration System before your visit. We urge members to utilize the convenient pre-addressed postage-paid envelope to cast their ballot, which was included in your voting packet.
Members with multiple accounts under the same social security number will receive one ballot and may vote only once.
All qualified ballots will be tallied and the final result announced before the end of the Special Member Meeting on December 11th. Following the meeting, the results of the vote will be sent to you as well as published on our website.
Assuming members approve the merger on December 11, 2025, we will officially be a merged organization on January 1, 2026. However, nothing will change for members until we combine our credit union systems, estimated for June 2026.