Locoga Credit Union Valdosta GA | Best Auto Loans & Business Banking

Introduction

Welcome to Locoga, your trusted partner in financial well-being since 1960! Located at 1592 Norman Dr, Valdosta, GA 31601, our credit union has been dedicated to serving the community and fostering a spirit of collaboration among our 696 members. With a strong commitment to providing personalized financial services, we aim to meet your needs through a variety of offerings, including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. At Locoga, we pride ourselves on our solid financial foundation. With total assets reaching an impressive $4,316,164 and total deposits of $488,561, we ensure that your money is safe and secure. Our net worth stands at $419,709, reflecting our commitment to stability and growth for our members. Additionally, with over 290 loans and leases issued, we are here to help you achieve your financial goals. While members can visit us at our branch location for friendly service from our dedicated team of two employees led by CEO Peggy Daniels and Board President Calvin Walker, official correspondence should be sent to our mailing address at PO Box 5787, Valdosta, GA 31603. Whether you're looking for personal banking solutions or business services like merchant accounts and business loans, we have the tools you need to thrive. Our online banking platform makes managing your finances convenient anytime and anywhere. Feel free to reach out to us at (229) 244-4513 during lobby hours from Monday to Thursday from 9 AM to 5 PM and Friday from 9 AM to 4:15 PM. We look forward to helping you navigate your financial journey! Visit us today or check out more about us at locogafcu.com.

Branch History & Mission

Community Engagement

Locoga is more than just a credit union; we're an active participant in the Valdosta community. Through various outreach programs and partnerships with local organizations, we aim to uplift those around us and make a meaningful impact on lives every day. We are proud to support initiatives that promote financial literacy and help individuals navigate their financial journeys with confidence. As we look ahead, our focus remains on enhancing member experiences while staying true to our roots. We invite you to join our family at Locoga and discover how we can work together for a brighter financial future. Reach out today at (229) 244-4513 or visit us during our lobby hours Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 4:15 PM. Experience firsthand the benefits of being part of a community-focused credit union!

Our Mission

Our mission is simple yet powerful: to provide exceptional financial services while supporting our community. At Locoga, we believe that everyone deserves access to quality banking solutions tailored to their unique circumstances. We offer a wide range of personal banking options including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Additionally, we cater to businesses through merchant services and business loans. While members can visit us at 1592 Norman Dr, official correspondence should be sent to PO Box 5787, Valdosta, GA 31603 if different from the branch address. We understand that adapting to the changing times is crucial; that's why we've embraced online and mobile banking solutions. This allows you to manage your finances conveniently from anywhere. Although we currently do not have ATM or drive-thru services available at this location, our commitment to providing outstanding customer service remains unchanged.

Branch Location & Accessibility

Call or Visit Us Today!

If you have questions or need more information about our services, feel free to call us at 229-244-4513. We invite you to drop by and see how Locoga can help make your financial journey smoother. Your satisfaction is our priority, and we look forward to welcoming you into our community!

Convenient Access

At Locoga, we understand that accessibility matters. Our branch is designed with convenience in mind. Although we don't have a drive-thru service or ATM on-site, our location offers ample parking and complies with ADA standards to ensure everyone can visit us easily.

Operating Hours

We're here to help during our lobby hours! You can stop by Monday through Thursday from 9 AM to 5 PM, and on Fridays, we're open until 4:15 PM. Whether you need assistance with personal banking services like checking and savings accounts or exploring options for auto loans and mortgages, our team is ready to assist you.

Member Eligibility

At Locoga, we believe that everyone deserves a place in our supportive community, and becoming a member is easier than you might think! If you're interested in joining us, you'll find that eligibility is open to those who live, work, worship, or attend school in our local area. This means that if you're part of the Valdosta community or surrounding regions, we welcome you with open arms! To learn more about the specific criteria and ensure you meet them, feel free to check out the detailed information available at . Once you're ready to take the next step, opening an account with us is a simple process designed for your convenience. You can reach out to us at (229) 244-4513 for any questions you might have or visit us at our branch located at 1592 Norman Dr Valdosta Ga 31601. We're here to help you every step of the way as you embark on this exciting journey toward financial empowerment with Locoga!

Business Banking & Commercial Services

Merchant Services that Matter

In addition to loans, we offer practical merchant services that can simplify your daily operations. Imagine being able to accept payments quickly and securely, allowing you to focus on what truly matters growing your business. Our merchant services provide the tools needed to manage transactions smoothly, ensuring you never miss a sale. Located at 1592 Norman Dr Valdosta Ga 31601 in Valdosta, GA, our team is ready to assist you. Contact us today at (229) 244-4513 and let's explore how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Convenience at Your Fingertips

With features like ATM & Cash Withdrawal Services, even if we don't have an ATM on-site, you can still access your money when needed. And if you're ever unsure about how to use any of our services, just give us a call at 229-244-4513. Our friendly staff is always ready to assist you. At Locoga, we're more than just a credit union; we are a community partner committed to helping you navigate your financial journey smoothly. Explore our full range of services today by visiting us online at http://www.locogafcu.com or stop by during our lobby hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 4:15 PM. Let's work together toward your financial success!

Credit Cards and Business Banking

For members looking for rewards on everyday purchases, our Credit Cards with Rewards program allows you to earn points while spending. This means that every time you swipe your card, you're working towards exciting rewards! For entrepreneurs and small business owners, we offer tailored solutions under our Business Banking services. From merchant services to business loans, we ensure that your business has the financial backing it needs to thrive.

Loans and Financing

Whether you're looking to buy a new vehicle or refinance your home, Locoga has you covered with our comprehensive loan options. Our Auto Loans & Vehicle Financing help you get behind the wheel without breaking the bank. Picture driving off in your dream car with a manageable monthly payment! For those considering homeownership, our Mortgage Loans & Refinancing services make the process straightforward and stress-free. If you find yourself needing extra cash for unexpected expenses or planning a big purchase, our Personal Loans & Debt Consolidation options can provide the support you need to stay on track financially.

Personal Banking

We understand that managing finances can be overwhelming at times. That's why we offer Personal Banking solutions, including checking and savings accounts tailored for everyone from students saving for their first car to families planning for future expenses. With our easy-to-use Online & Mobile Banking, accessing your account information has never been simpler. Imagine being able to check your balance or transfer funds right from your phone, anytime you need.

Digital & Online Banking

Convenience and Accessibility

In today's fast-paced world, having control over your financial life is essential. Whether you're at home or out and about, our online services put you in the driver's seat. Forget about rushing to the bank before closing; with Locoga, you can handle all your banking needs whenever it suits you best. Join us at Locoga for a digital banking experience that prioritizes both convenience and security. We're here to support you every step of the way!

Key Features

Our online banking platform is user-friendly and secure, ensuring that your information stays protected while you enjoy the freedom of banking from anywhere. Although we currently do not offer electronic signature authorization or e-statements, our commitment to providing top-notch services remains strong. For those who are always on the go, our mobile application is here to help. You can easily manage your accounts from your smartphone or tablet, giving you real-time access at your fingertips. Plus, with our person-to-person transfer feature, sending money to friends or family has never been easier. Just a few taps on your device and you're set!

Financial Strength

Commitment to Reinvestment

With $416,076 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $72 in used auto loans and $2,800,272 in total loans and leases.

Growing Trust

Total Share and Deposit Accounts: 1,106, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $190,717. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Locoga is your trusted partner. Visit us at 1592 Norman Dr Valdosta Ga 31601 or call (229) 244-4513 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.

Member-Centric Savings Options

Members' savings are secured through $357,474 in share certificates and $741,153 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $3,633 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $419,709, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $972 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,237,104 in used vehicle loans and $778,486 in new vehicle loans already helping members get on the road. Whether you're eyeing a reliable used vehicle or a brand-new model, we have options that fit your budget.

Credit Lines

In addition to our auto and mortgage products, we provide credit lines totaling $750,000. This can be an excellent option for those who need access to funds for various purposes, whether it's for unexpected expenses or planned projects. For those considering refinancing options, our team is ready to discuss eligibility and tailor solutions that meet your specific needs. To learn more about our loan offerings or if you have any questions, feel free to reach out at (229) 244-4513, or visit us at our branch located at 1592 Norman Dr Valdosta Ga 31601 in Valdosta, GA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to assisting you with your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We're here to guide you through the process and provide assistance every step of the way.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. Currently, we have a total of $0 in loans available, helping members manage their finances effectively without the burden of collateral.

Loan Aggregator

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Locoga