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Looking for Answers?

Find a quick answer to many commonly asked questions about credit unions, products, services, mobile apps, locations, and more with our FAQs.

What is Center Parc’s routing number?

Center Parc’s routing number is 061293018.

Am I eligible to become a member of Center Parc?

Center Parc is open to anyone who lives or works in the following Georgia Counties:

  • Bibb
  • Bryan
  • Chatham
  • Dekalb
  • Effingham
  • Floyd
  • Fulton
  • Gwinnett
  • Muscogee

In addition, Center Parc is excited to work with Georgia State University to bring membership eligibility to GSU Students, Faculty, Staff and Alumni.

Center Parc also welcomes all employees (and retirees) of the State of Georgia, as well as any Federal employee or retiree who resides in Georgia.

For full membership requirements, visit our Member Benefits page.

What’s the difference between a bank and a credit union?

There are a few differences between a bank and a credit union. The main difference is that banks have stockholders whose interests lie in harvesting profits from bank operations, while credit unions answer only to their members.

Because credit unions are not-for-profit cooperatives, their earnings turn into financial benefits for their members in the form of lower rates on loans and higher dividends on deposits.

Are credit unions insured by the FDIC?

Credit union accounts are not insured by the FDIC. Instead, they are insured by the National Credit Union Administration (NCUA), a federal agency that will insure accounts up to $250,000.

What is overdraft protection?

Overdraft protection allows fund to be transferred automatically from one Center Parc account to another in order to cover payments when the checking account balance is insufficient. Center Parc charges a fee for this service. Members must opt into this service.

How much does it cost to open a savings account at Center Parc?

In order to open a primary savings account at Center Parc, you must deposit no less than $5. If you want to earn dividends, you must maintain a balance of no less than $50.

Do you have branches overseas?

We have CO-OP branches and surcharge-free ATMs all over the country; however, we don’t have branches overseas. You can access your account anywhere, any time through our Internet Branch platform or with our Mobile app.

What is a money market account?

A money market account is similar to a savings account but generally pays higher dividends while allowing greater withdrawal flexibility than a timed deposit, such as a certificate. Money market accounts often require a higher initial deposit than standard savings accounts.

What is a holiday club account?

A holiday club account is an easy way to set aside funds to save for the holiday season while earning dividends on your funds. There are no limits on deposits, and there are no fees to withdraw your money during November and December.

What is a vacation club account?

A vacation club account is an easy way to set aside funds to save for your next vacation while earning dividends on your funds. There are no limits on deposits, and there are no fees to withdraw your money for the first two withdrawals per year.

What is a home equity line of credit (HELOC)?

A home equity line of credit (HELOC) allows homeowners to borrow money against the equity in their house. A HELOC is often used for home repairs, debt consolidation or other large purchases.

What’s the difference between a Roth IRA and a Traditional IRA?

The key difference between a Traditional IRA and a Roth IRA is when you pay taxes on the funds. With Traditional IRAs, you pay taxes on your withdrawals instead of your contributions. With Roth IRAs, you pay taxes on your contributions and not on your withdrawals later on.

A financial advisor can help you decide which investments are right for you. Center Parc works with Members Wealth Management to provide investment advice. Learn more here.

How is an IRA different from a 401(k)?

An IRA, or individual retirement account, is established by an individual, as the name suggests. A 401(k), on the other hand, can only be established by an employer.

How do I find my credit score?

You can request a free credit report from the three major reporting agencies (Equifax, Experian and TransUnion) once a year. You can also use services like Credit Karma to see your credit score for free on a regular basis.

What credit score do I need for a car loan?

There are a lot of factors that determine whether you may qualify for a car loan, and at what rate. However, the higher your credit score, the better interest rate and other terms you may get on your car loan. With most institutions, the credit score is used primarily to determine the qualified interest rate.

How much do I need for a down payment on a car?

You may qualify for up to 100% financing with no down payment required.

While Center Parc offers 100% financing on new and used cars, putting money down toward the purchase of a car can help lower monthly payments.

What credit score do I need for a mortgage?

There are a lot of factors that determine whether you may qualify for a mortgage, and at what rate. One of the most important is your credit history. However, Center Parc does not have a specific minimum credit score to qualify for a mortgage.

How much do I need for a down payment on a house?

Center Parc offers 100% financing to those with qualifying income, credit history and other factors.

How do I order or reorder checks?

You can order checks by:

  • Using the Internet Branch platform if this isn’t your first-time check order
  • Visiting a local branch
  • Calling Deluxe Check Printers at (877) 838-5287 (make sure you have Center Parc’s routing number and your 13-digit account number)
  • Contacting us directly

What is a fixed rate mortgage?

Simply put, a fixed rate mortgage is one in which the interest rate does not change for the life of the loan. This is the most common type of mortgage because payments are predictable.

Who can be my co-borrower?

A coborrower is a person who signs onto a loan with you and becomes legally responsible for the repayment of the loan. Typically, this person needs to live in the same household, have a sufficient credit history and sufficient income to support the request, and be over the age of 18.

What is a good debt-to-income ratio?

A debt-to-income (DTI) ratio is the amount of your total monthly debt against your gross monthly income. Most financial experts agree that your DTI should be no greater than 36 percent, but every situation is different. Another factor to consider when applying for a loan is net disposable income (the amount of money remaining each month after all debts are paid).

For instance, if your monthly income is $4,000, you pay $600 a month for your mortgage, $200 for student loans and $300 on your car note, your DTI would be 27.5 percent ($1100/$4000). In this same scenario, the net disposable income would be $2,900.

How do I get a cashier’s check?

Members can visit a Center Parc or APCU location, shared branch location, call the Call Center or KeyTeller Audio Response System to request a cashier’s check.

Cashier’s checks can be made payable to another party for a fee. Members must make this request in person at a Center Parc or APCU location, or send their request in writing to a Call Center Representative.

Members can only get a cashier’s check made payable to themselves at a shared branch location.

Can I get a money order from Center Parc?

Center Parc does not offer money orders. Members are able to get a cashier’s check, though.

Does Center Parc offer safe deposit boxes?

Center Parc does not offer safe deposit boxes.

When will my funds be available?

Funds availability largely depends on when funds are received and the amount of money being deposited. All deposits are subject to holds. For details, review our Funds Availability Policy.

How do I transfer funds between my Center Parc accounts?

Log into the Internet Branch or the CU Center mobile app and select Transfer. You can also contact a Member Service Representative at 800.849.8434.

How can I find my checking account number?

The easiest way to find your checking account number is through the CU Center app. Log into the CU Center mobile app, then on the “Accounts” screen select your checking account. Then select Details under your current balance. This will display your checking account number to use for direct deposit or to give to merchants to automatically debit your account.

You can also find the account number on one of your checks.

How can I place a stop payment on a check I have written?

Once you’re logged into your Internet Branch account, select “Stop Payment” under the “Additional Services” tab. Enter all required information. A fee will be deducted from your checking account.

How do I reset my Internet Branch password?

Select “Forgot Password” on the login screen of the Internet Branch or Mobile Branch, fill out the required information, and we will send you a temporary password. Alternatively, you can call our eServices Department at 800.849.8434.

How can I setup Direct Deposit to my Center Parc account?

Center Parc makes direct deposit easy. Simply complete this form and give this information to your employer to begin, change, or cancel your Direct Deposit or allotment to your Center Parc account.

How do I transfer funds between my Center Parc accounts and accounts I have at other banks and credit unions?

After logging into Internet Branch, select “Make an External Transfer” under “Move Money.” Select “Account to Account Transfer” to move money between your Center Parc account and other financial institutions where you also have an account.

How do I enroll in the CU Center mobile app?

To sign up for the CU Center mobile app, simply:

  1. Download the CU Center mobile app from the Apple App Store or the Google Play Store.
  2. Select “Sign Up” at the bottom of the screen.
  3. Complete all fields on the Secure Sign Up form.
  4. Review and agree to Terms and Conditions.
  5. Click on Complete sign up button.
  6. A “Sign up Completed!” message will display after a successful registration.

How do I enroll in Center Parc’s Internet Branch?

To sign up for Center Parc’s Internet Branch, simply:

  1. Visit us online at www.centerparc.org
  2. Select Sign up for Internet Branch
  3. Complete all fields on the Internet Branch Registration form
  4. Review and agree to the Terms and Conditions
  5. Click the Complete sign up button
  6. A “Sign up Completed!” message will display after a successful registration

How do I enroll in Bill Pay?

Internet Branch registration and a Center Parc checking account is required for Bill Pay.

  1. Visit us online at www.centerparc.org
  2. Log into Center Parc’s Internet Branch
  3. To register for Bill Pay, click “Bill Pay” in the top banner
  4. A “Bill Pay” sign-up box will appear for sign up. Review and agree to the Terms and Conditions
  5. Click the “Complete sign up” button
  6. Within one business day of signing up, you will receive a message that your Bill Pay has been activated.

How do I change the beneficiary on my account?

Changing the beneficiary(ies) on your account is easy. Simply print off an Account Change Request Form and check the corresponding boxes to indicate if you would like to remove and/or add a beneficiary to your account and then select the corresponding share(s). Next, fill in the name(s) of the beneficiary(ies) that you wish to remove from your account, if applicable, under the “Remove POD/Beneficiary” section(s). To add new or additional beneficiary(ies) to the account, fill in the individual(s)’ information in the “Add POD/Beneficiary” section(s). Finally, please ensure that the primary member signs the form. You may return the form by email ([email protected]), by snail mail (PO Box 161368, Atlanta, GA 30321), or drop it by any of our branch locations.

How do I contact Center Parc?

To get in touch with us, visit our Contact Us page.

Can I use Zelle with Center Parc?

Zelle will be available to APCU and Center Parc members soon.

Can Center Parc help me with a partial recovery returned check?

If you have any issues with returned checks, please call us at 800.849.8434.

What’s the difference between APY and APR?

Annual percentage yield (APY) refers to the amount of money a savings or other deposit account earns over the course of a year.

Annual percentage rate (APR) is related to interest on loans. While the interest rate is a percentage of the total loan amount a lender charges a borrower, the APR reflects both the interest rate and any fees. For this reason, the APR is higher than the interest rate, so it is best to compare the APR when considering loan options.

What if I don’t qualify for a checking account?

Have you experienced challenges managing your finances in the past? Our Renewal Checking offers a fresh start for your checking account relationship. This account is designed to help you rebuild your credit and account history and set you on a better banking path. Renewal Checking offers robust money management options and can provide you with a better opportunity for a healthy financial future.

If you are interested in opening a Renewal Checking account, simply fill out an application online or contact Member Services at 800.849.8434 today!

Center Parc Credit Union

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