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DULUTH, Ga. — Georgia Credit Union Affiliates has tracked a number of credit unions across the state that are helping members stay afloat in the midst of a tidal wave of high gas prices, rising food costs and other recession-like signs.

The $17 million Etowah Valley FCU has a short-term loan for members to help pay for back to school supplies as well as a loan product that cuts payments in half for six months for those who have lost their jobs. Members at $57 million CSRA FCU can restructure their accounts, including certificates and shares totaling more than $100,000, free of any withdrawal fees.

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