Georgia Power Valdosta GA Credit Union | Best Auto Loans & ATM Access

Introduction

At Georgia Power Valdosta, we believe that financial strength is built on trust and community. Located at 1707 Dow St, Valdosta, GA 31601, our credit union has been serving members since 1958. With a dedicated team of 7 employees, we are proud to support our growing membership of 2,854 individuals who rely on us for their banking needs. Our mission is to provide reliable financial services that empower our members. We currently hold over $24 million in assets and have facilitated 1,115 loans, ensuring that our community has access to the funds they need for everything from vehicle purchases to home refinancing. With total deposits reaching $2,010,170, we work diligently to help our members grow their savings while offering competitive rates. While members can visit us at our main branch location, official correspondence should be sent to the same address: 1707 Dow Street, Valdosta, GA 31601. Our commitment to you extends beyond just numbers; it's about fostering relationships and providing personalized service tailored to your financial journey. Under the leadership of CEO Kim Cowart and Board President Lloyd Green, we strive to create a welcoming environment where your financial goals are prioritized. Whether you're looking for personal banking options like checking accounts and credit cards or business services such as merchant solutions, we're here to assist you every step of the way. Ready to take control of your financial future? Visit us online at www.gpvfcu.com or give us a call at 229-253-1111. Let's work together towards your financial success!

Branch History & Mission

Our Journey

From our humble beginnings on Dow Street, where we opened our doors to serve the local community, we have continually evolved to meet the needs of our members. Over the years, we've expanded our services and embraced new technologies while maintaining a personal touch. Our drive-thru banking and ATM availability ensure that accessing your finances is both convenient and efficient. We are also proud to offer online and mobile banking services, making it easier for members to manage their accounts from anywhere. While members can visit us at 1707 Dow St, Valdosta, GA 31601 for their banking needs, official correspondence should be sent to the same address. Our operating hours are Monday through Thursday from 8:00 AM to 4:00 PM and Friday from 8:00 AM to 5:00 PM. You can reach us at (229) 253-1111 for any inquiries.

Our Mission

At Georgia Power Valdosta, our mission is clear: we aim to empower our members by providing exceptional financial services while fostering a supportive community environment. We believe in helping individuals achieve their financial goals through personalized solutions such as checking and savings accounts, auto loans, mortgages, and business banking options. Our dedication goes beyond numbers; we actively engage in community outreach initiatives that reflect our commitment to improving lives. Whether it's partnering with local organizations or participating in charitable events, we strive to make a positive impact within Valdosta and its surrounding areas. As we look ahead, we remain focused on innovation while staying true to our core values of service and integrity. We understand that each member's needs are unique, which is why we emphasize customer-centric initiatives tailored specifically for you. We invite you to join the Georgia Power Valdosta family today! Experience firsthand how we can help you achieve your financial dreams while being part of a caring community. Together, let's build a brighter financial future! For more information about membership eligibility or to open an account, please visit our website.

Branch Location & Accessibility

Welcome to Georgia Power Valdosta, your friendly neighborhood credit union located conveniently at 1707 Dow St, Valdosta, GA 31601. Our branch is easily accessible and designed to meet the needs of our members in Lowndes County. Whether you're stopping by for personal banking services or looking to apply for a loan, we're here to help! As you visit us at our main office, you'll find that we're just a stone's throw away from local landmarks, making it easy to stop by during your day. Parking is available right outside our branch for your convenience, and we ensure ADA compliance with features like ramps and accessible entrances. Our operating hours are set to accommodate your busy schedule. We're open Monday through Thursday from 8:00 AM to 4:00 PM, and on Fridays, we extend our hours until 5:00 PM so you can take care of your banking needs after work. You can always reach us at 229-253-1111 if you have any questions or need assistance. At Georgia Power Valdosta, we offer a variety of services including checking and savings accounts, auto loans, mortgage options, and much more. Need to make a quick transaction? Utilize our drive-thru service for deposits and withdrawals without leaving your car. Plus, with ATM availability right at our branch, accessing cash has never been easier. While members can visit us at our main address, official correspondence should be sent to the same location: 1707 Dow Street, Valdosta, GA 31601. We invite you to come by and see how we can support your financial journey. Stop in today or give us a call we look forward to serving you!

Member Eligibility

Becoming a member of Georgia Power Valdosta feels like joining a close-knit community where your financial needs are understood and prioritized. If you're wondering how to join us, it's quite simple! Membership is open to individuals associated with Georgia Power, their families, or anyone living or working in the surrounding areas. This means that if you have a connection to our community, we warmly welcome you to explore our services and benefits. You can learn more about the specific eligibility requirements by visiting our website at http://www.gpvfcu.com/who-can-join. Once you've confirmed that you qualify, opening an account is straightforward and convenient. We offer various options tailored to fit your lifestyle and goals, ensuring that you can find the right fit for your banking needs. To get started with the account opening process, just visit http://www.gpvfcu.com/new-account-card or give us a call at (229) 253-1111. Our friendly team is here to assist you every step of the way! Join us at Georgia Power Valdosta, located at 1707 Dow St Valdosta Ga 31601, and take advantage of all the great benefits we have to offer.

Business Banking & Commercial Services

At Georgia Power Valdosta, we understand that every business has unique needs and ambitions. That's why we're dedicated to providing tailored solutions that empower local enterprises to thrive. Whether you're starting a new venture or looking to expand, our commercial lending options are designed to support your growth journey. Imagine a small café in Valdosta that dreams of expanding its seating area and introducing new menu items. With the right financial backing, that dream can become reality. Our member commercial loans have helped businesses like this secure over $0 in funding, allowing them to scale operations and enhance their offerings. We also recognize the importance of flexibility in today's market. That's why we offer non-member commercial loans totaling $0, catering to businesses that may need quick financing without membership requirements. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. In addition, we provide essential merchant services that simplify everyday transactions. Picture your business seamlessly accepting payments from customers whether they're using cards or mobile wallets making sales easier and faster. If you're ready to take your business to the next level, visit us at 1707 Dow St, Valdosta, GA 31601 or give us a call at 229-253-1111. Let's work together to make your business vision a reality!

Comprehensive List Of Services

Business Banking

For entrepreneurs in our community, business banking services such as merchant services and business loans are available to support your growth. We understand the challenges of running a business and offer tailored solutions to meet your specific needs.

Convenient Access

At Georgia Power Valdosta, convenience is key. Our ATM and cash withdrawal services allow you to access your money anytime, whether you're on-the-go or at home. Plus, with basic drive-thru banking options for deposits and withdrawals, handling transactions has never been easier. Our branch is located at 1707 Dow St, Valdosta, GA 31601, and we invite you to visit us during our operating hours: Monday through Thursday from 8:00 AM - 4:00 PM and Friday from 8:00 AM - 5:00 PM. If you have any questions or need assistance, don't hesitate to call us at 229-253-1111.

Join Us Today!

Ready to take the next step toward better financial health? Explore all the services we offer at Georgia Power Valdosta by visiting our website or stop by our branch today! Whether it's opening a new account or finding the right loan for your needs, we're here for you every step of the way. Your journey toward financial empowerment starts here!

Loans and Credit

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation come into play, allowing you to handle those costs while managing your budget effectively. And if you're looking for a credit card with rewards, we have options that let you earn while you spend.

Personal Banking

Starting with personal banking, we offer checking and savings accounts tailored to fit your lifestyle. Imagine having an account that not only helps you save but also gives you easy access through our online and mobile banking platforms. You can manage your funds from anywhere, making it easier than ever to keep track of your finances. If you're considering purchasing a vehicle, our auto loans and vehicle financing options can make that dream a reality. We provide competitive rates that help you drive away in the car you want without breaking the bank. For those planning to buy a home, our mortgage loans and refinancing services are designed to assist you through one of life's most significant investments.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You no longer have to worry about making it to the bank before closing time; everything you need is right at your fingertips. Plus, with electronic signature authorization, signing important documents has never been simpler or more secure. If you prefer going paperless, we also offer e-statements, so you can view your account statements online without the clutter of paperwork. This feature not only helps the environment but also allows for easy tracking of your financial history.

Mobile Access

For those on the go, our mobile application provides all the functionalities of online banking right in your pocket. With this app, you can manage your accounts effortlessly and even take advantage of person-to-person transfers to send money directly to friends or family with ease. While we currently don't support mobile payments yet, our app is continually updated to meet members' needs. With all these features designed for accessibility and ease-of-use, managing your finances has never been more straightforward. At Georgia Power Valdosta, we're committed to providing our members with secure and efficient tools that fit their lifestyles. Whether you're checking your balance or transferring funds, rest assured that your information is safe with us every step of the way.

Financial Strength

At Georgia Power Valdosta, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing you with the best services possible, backed by solid financial health. With a net worth of $3,089,498, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1281 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $6,360,145 in share certificates and $1,178,518 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $116,069, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $3,066,369 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we have $5,509 in used auto loans and $13,893,346 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $23,129, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 5 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts: 4,823, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Georgia Power Valdosta is your trusted partner. Visit us at 1707 Dow St Valdosta GA 31601 or call 229-253-1111 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,098,334 in used vehicle loans and $3,537,197 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, we have options that can fit your budget and lifestyle.

Credit Lines and Personal Loans

Our credit lines provide flexibility when you need it most. With a total of $3,505,000 available in credit lines loans, you can access funds for unexpected expenses or planned purchases without stress. Additionally, we offer unsecured credit card loans to help you manage your finances effectively; however, currently, we have not issued any unsecured credit card loans.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $669,544, make buying or refinancing simple. We offer competitive rates and flexible terms to help you secure the home you've always wanted.

Refinancing Options

If you're considering refinancing your current loans for better rates or terms, we have options available that might suit your needs. Reach out to us for more information on eligibility and how we can assist you in this process. For any inquiries or to discuss which loan product is right for you, feel free to contact us at 229-253-1111. Our dedicated team is here to guide you through every step of the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Georgia Power Valdosta, we're committed to supporting our members with transparent and accessible financial solutions. Visit us at 1707 Dow St Valdosta GA 31601 or check our website here for more details!

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