Business Details
50+ Years
experience
Your Trusted Financial Partner in Rome, GA
Rome Kraft Employees Credit Union has served our community since 1955, providing personalized financial solutions as a not-for-profit cooperative. Originally chartered by Rome Kraft Company and North Georgia Timberlands Company, we've grown to over $23 million in assets while maintaining our founding mission of empowering members through accessible financial services. Our board of directors, established in 1989, prioritized member needs through strategic facility improvements and expanded service offerings. We specialize in competitive loan programs including auto, personal, and home equity loans, complemented by savings accounts and certificate options with transparent terms.Our commitment to financial education is demonstrated through resources like our mortgage checkup program and identity theft protection guidance. As an NCUA-insured institution, we maintain rigorous compliance standards while offering specialized protections like Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage. Our physical location in Rome, Georgia, provides convenient access to in-person services during extended weekday hours.
Services
Auto Loans
Personal Loans
Home Equity Loans
Savings Accounts
Certificate Deposits
Mechanical Repair Coverage
GAP Protection
Mortgage Loans
Share Secured Loans
Recreational Vehicle Loans
Details
- Year established: 1955
Highlights and features
- We operate as a not-for-profit financial cooperative prioritizing member benefits
- We offer competitive APRs starting at 4.25% for auto loans and 7.25% for HELOCs
- Our Mechanical Repair Coverage provides comprehensive vehicle protection with roadside assistance
- We maintain transparent membership requirements with $5 minimum savings account balances
- Our NCUA insurance guarantees secure financial transactions for all members
Associations and certifications
- NCUA
Services
Auto Loans
Our auto loan programs offer competitive rates starting at 4.25% APR for qualified members. We provide financing options for both new and used vehicles with flexible terms. Our lending specialists help members understand total ownership costs and select appropriate coverage options.
Mechanical Repair Coverage
This optional coverage protects against unexpected repair costs with multiple deductible options. Benefits include 24/7 roadside assistance, rental reimbursement, and travel expense coverage. Claims are processed directly with authorized repair facilities to minimize out-of-pocket expenses.
Home Equity Loans
HELOC options start at 7.25% APR with flexible draw periods and repayment terms. These secured loans leverage home equity for major expenses or debt consolidation. Our advisors help members understand tax implications and maintain responsible loan-to-value ratios.
Savings Accounts
Basic savings accounts require $5 minimum balance with opportunities to earn dividends. We offer tiered certificate options with competitive APYs and maturity terms. Regular account activity maintains membership eligibility and access to loan programs.
Personal Loans
Fixed-rate personal loans start at 8.00% APR for qualified applicants. These no-collateral loans suit emergency expenses, debt consolidation, or special purchases. We provide clear repayment schedules and financial counseling to ensure responsible borrowing.
Questions
What loan types do you offer?
We provide auto loans, personal loans, home equity loans, recreational vehicle loans, and share secured loans with competitive APRs.
How can I become a member?
Membership requires maintaining a $5 minimum balance in a savings account with regular account activity.
Are my deposits insured?
Yes, all accounts are federally insured up to $250,000 through the NCUA.
Do you offer vehicle protection services?
We provide Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage options for loan customers.
What are your branch hours?
Our Rome location is open Monday 7 AM - 5 PM, Tuesday 7 AM - 5 PM, and Thursday-Friday 7 AM - 5 PM.
Can I access online banking?
While not explicitly stated, our website suggests digital banking capabilities through our member portal.
