Locoga Credit Union Valdosta GA | Convenient ATM Services

Introduction

Welcome to Locoga, your trusted financial partner in Valdosta, Georgia. Established in 1960, our credit union has been dedicated to serving the community for over six decades. Located at 1707 Dow St, Valdosta, GA 31601, we are proud to offer personalized financial services tailored to meet your needs. At Locoga, we believe in building strong relationships with our members. With a total membership of 696 and assets amounting to $4,316,164, we prioritize your financial well-being. Our commitment is reflected in our total deposits of $488,561 and a net worth of $419,709 ensuring that your savings are secure with us. Under the leadership of CEO Peggy Daniels and Board President Calvin Walker, our dedicated team of two employees is here to assist you every step of the way. Whether you're looking for loans or simply want to open a savings account, we're ready to help you achieve your financial goals. While you can visit us at our branch for any inquiries or services, please note that official correspondence should be directed to our mailing address: 1707 Dow St, Valdosta, GA 31601-5166. Explore more about what we offer by visiting our website at locogafcu.com. Feel free to reach out to us at (229) 253-1111 with any questions or concerns. We're excited to support you on your financial journey!

Branch History & Mission

Commitment to Innovation

While our roots run deep in tradition, we also embrace modern advancements. We offer online banking solutions that make managing your finances easier than ever. Our mobile application allows members to handle transactions on-the-go, ensuring they stay connected to their finances anytime, anywhere. Accessibility is vital for us; that's why we remain compliant with ADA standards and constantly seek ways to improve customer experiences. Even though we currently do not have ATM services or drive-thru banking at our branch, we're here to assist you with any inquiries over the phone at 229-253-1111.

Join Us!

As we move forward into the future, we invite you to become part of our growing family at Locoga. Experience firsthand the difference of being with a credit union that truly cares about its members and community. Together, let's achieve more! Visit us today at 1707 Dow St or learn more about us at www.locogafcu.com.

Our Mission

Our mission at Locoga is clear: we strive to provide exceptional financial services while fostering a strong sense of community support. We believe that everyone deserves access to quality financial products that empower them to achieve their goals. Whether it's saving for a dream vacation or securing a loan for a new vehicle, we aim to make each member's journey as smooth as possible. In addition to offering traditional banking services, we focus on community outreach initiatives that enrich the lives of those around us. We work hard to partner with local organizations and participate in events that uplift our neighbors. Our commitment extends beyond just banking; we believe in building lasting relationships within our community.

Branch Location & Accessibility

Welcome to Locoga, your trusted financial partner located at 1707 Dow St, Valdosta, GA 31601. Situated in the heart of Lowndes County, our branch is easily accessible and conveniently positioned near local landmarks that make it a familiar spot for our community members. Whether you're stopping by to discuss your financial needs or simply need some assistance, our friendly staff is here to help. While members can visit us at our branch address, official correspondence should be sent to the same location: 1707 Dow St, Valdosta, GA 31601-5166. This ensures that we receive your mail promptly and securely. At Locoga, we understand the importance of accessibility. Our branch features ADA-compliant entrances and ramps to accommodate all our members. Parking is readily available nearby, making your visit hassle-free. Though we currently do not offer drive-thru banking or ATM services, we strive to provide personalized service inside our branch. Our operating hours are designed to fit your busy schedule. Please reach out to us at 229-253-1111 for specific hours of operation, as we want to ensure you have all the details you need before visiting. We invite you to stop by and explore how Locoga can support your financial goals. Our team looks forward to welcoming you and assisting with all your banking needs!

Member Eligibility

At Locoga, we believe that everyone deserves a chance to be part of a welcoming community that values support and financial growth. Becoming a member is easy! If you live, work, or worship in the area, you're likely eligible to join us. We're here to empower you with competitive rates, personalized service, and a variety of financial products designed to meet your needs. Whether you're looking for savings options or loans, joining us means you're not just opening an account you're becoming part of something special. For more detailed eligibility information, feel free to check out our website at . If you're ready to take the next step and open an account, simply give us a call at (229) 253-1111, and we'll guide you through the process with ease. Come visit us at 1707 Dow St Valdosta Ga 31601, where our friendly team is excited to welcome you into the Locoga family!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine being able to accept payments effortlessly while keeping track of your transactions with ease. Our merchant services offer practical solutions that streamline payment processing, enabling you to focus on what you do best running your business. With flexible options and reliable support, we make it simple for you to manage your finances effectively. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. If you're seeking a trusted partner who understands the local market, look no further than Locoga. Let us help you turn your business dreams into reality!

Supporting Your Business Growth

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. Whether you're looking to expand your operations or invest in new equipment, our tailored financing solutions are designed to meet your specific goals.

Comprehensive List Of Services

Community Focused

Being part of the Valdosta community means we are committed to supporting our members with personalized service. If you're ever unsure about which service fits your needs best, our friendly staff is just a phone call away at 229-253-1111. We believe that banking should feel personal and approachable.

Embracing Digital Banking

In today's fast-paced world, having digital banking features is essential. At Locoga, we make it easy for you to manage your accounts through our online banking platform. You can check your account balances, transfer money between accounts, and monitor transactions right from the comfort of your home or on-the-go through your mobile device.

Get Started Today

If you're ready to experience a different kind of banking relationship where member satisfaction is paramount, consider visiting us or reaching out via phone. We invite you to explore how Locoga can serve as a valuable resource in achieving your financial aspirations. Together, let's build a brighter financial future!

Tailored Financial Solutions

Whether you're looking for basic banking services or need something more specialized, we have options to meet your needs. Our primary offering includes ATM Services Only, which allows you easy access to your funds whenever you need them. Imagine being able to withdraw cash or check your balance quickly and conveniently at an ATM, without the hassle of waiting in line.

Your Financial Partner

As a member-owned credit union, our goal is not just to provide services but also to empower you financially. We want you to feel confident in making decisions about saving, spending, and planning for the future. Whether it's simple transactions or navigating more complex financial goals, we're here to help guide you along the way.

Digital & Online Banking

E-Statements

While e-statements aren't available yet, we encourage members to check back for updates as we continue to enhance our offerings. Keeping track of your financial documents will soon be just a click away! In a world that's always moving, Locoga strives to provide accessible and efficient banking solutions tailored for you. Experience the ease of managing your finances through modern technology without sacrificing security or support. Join us today!

Mobile Application

Stay connected wherever life takes you with our mobile application. It puts everything you need right in the palm of your hand. You can deposit checks, view recent transactions, and manage your accounts effortlessly. And while we currently don't offer mobile payments, rest assured that our app is constantly evolving to better serve you.

Security Features

Your safety is our top priority. We prioritize security at every level of our online banking services. Although we do not offer electronic signature authorization at this time, we are committed to ensuring that all of your transactions are safe and sound.

Financial Strength

At Locoga, 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 understand how important it is for you to have a reliable partner in your financial journey, and we're proud to share our robust financial strength with you. 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. 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. By maintaining non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. 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 $2,800,272 in total loans and leases and 72 used auto loans. Our operational efficiency is reflected in our net income of $3,633, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2 full-time employees, ensuring our branch is always ready to serve you with a knowledgeable, committed team. In total, we have 1,106 share accounts, showing a strong and growing member base that trusts us with their finances. This growth speaks volumes about the trust placed in Locoga by our community. 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 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 provide some of the lowest rates in the industry. We have already issued $1,237,104 in used vehicle loans and $778,486 in new vehicle loans, helping members get on the road with ease. Whether you're interested in financing a brand-new model or a reliable used car, our team is here to assist you every step of the way.

Business Financing

For business owners seeking capital for growth, our outstanding commercial loans can provide the necessary funding. Presently, there are no outstanding commercial loans available; however, we encourage you to reach out for more information on how we can support your business financing needs in the future. At Locoga, we're dedicated to making your borrowing experience as smooth as possible. If you have questions about refinancing or eligibility options for any of our loan products, don't hesitate to contact us at (229) 253-1111. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Discover how Locoga can help you with your next loan today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we do not have any Junior Lien 1-4 Family Residential Properties loans available; however, we can provide information on alternative financing solutions if you're considering purchasing a home.

Unsecured Credit Card Loans

For those looking for flexible spending options, we also offer unsecured credit card loans. While we currently have $0 in unsecured credit card loans issued, our commitment is to help members manage their finances effectively when these options become available.

Loan Aggregator

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to sourcing information from reputable institutions ensures that users receive fair and transparent offers.

Locoga