frequently asked questions

 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

 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.

The merger was officially approved by member vote on December 11, 2025. The member vote was the final step in the approval of the merger. Prior to the member vote, the merger was approved by the National Credit Union Administration (NCUA), the Georgia Department of Banking and Finance.

The merger becomes official on January 1, 2026. However, full conversion of Coca-Cola Credit Union’s systems into Associated Credit Union systems, known as “systems conversion,”  won’t take place until June 2026. We’ll be sure to keep you well informed as the conversion progresses.

Systems Conversion is the full conversion (i.e. switch) of CCCU’s technology platforms into Associated CU’s technology platforms. For instance, at Systems Conversion you will switch from using your current Digital Banking platform to using ACU’s Digital Banking platform. Systems Conversion will take place in June 2026. Rest assured, we will communicate well in advance of Systems Conversion to make you aware of any changes that are taking place.

June 2026. Rest assured, we will communicate well in advance of Systems Conversion to make you aware of any changes that are taking place.

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. 

We understand how much the Coca-Cola Credit Union name means to our members. As part of joining Associated Credit Union, we will take on the name of the surviving credit union, but we’re committed to preserving the Coca-Cola Credit Union identity as much as possible. Starting in January 2026, we will become A Division of Associated Credit Union. Our look may change slightly, but the service, people, and experience you rely on will stay the same.

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. 

No. Credit unions are not-for-profit cooperatives. No board members, executives or members will profit from the proposed merger. 

In the short term, there will be no changes to accounts, services, or digital banking access. All existing accounts will continue to function as they do today. Prior to system conversion, anticipated to be completed by June 2026, all members will receive advance notice with detailed information about any upcoming changes to their accounts.