Southeastern Credit Union Valdosta GA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Southeastern, your trusted financial partner located at 1514 Baytree Rd, Valdosta, GA 31602. Since our establishment in 1953, we have proudly served our community with dedication and a commitment to helping our members achieve their financial goals. With over 24,180 members and total assets of $376,573,868, we are here to provide you with the personalized banking services that you deserve. At Southeastern, we understand that every member's financial journey is unique. Whether you're looking to secure an auto loan, open a savings account, or explore mortgage options, our experienced team is ready to assist you. We currently manage $11,000,581 in deposits and offer a variety of loans totaling 8,588 showing our strong commitment to supporting both personal and business needs. Our leadership team, including CEO E Michael Gudely and Board President Charles Eidson, is dedicated to ensuring that your experience with us is nothing short of exceptional. We believe in transparency and trustworthiness, which is why we maintain a strong net worth of $40,216,549 and have cash on hand amounting to $4,475,095. While members can visit us at our branch location for all their banking needs during our convenient hours Monday to Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM official correspondence should be sent to the same address: 1514 Baytree Rd, Valdosta, GA 31602. Join us today and discover how Southeastern can help you navigate your financial landscape with confidence. For any questions or assistance, feel free to call us at (229) 244-2732. We look forward to serving you!

Branch History & Mission

Community Focus

Southeastern is more than just a financial institution; we are an integral part of the Valdosta community. Our partnerships with local organizations help us extend our outreach efforts, whether through educational programs or community service initiatives. We believe in giving back because when our community thrives, we all succeed together. As technology continues to advance, we prioritize making banking accessible for everyone. Our digital banking options allow members to manage their finances anytime and anywhere. Features like online banking, mobile payments, and e-statements ensure that you stay connected with your money securely and conveniently. Join us today at Southeastern and experience the difference of being part of a credit union that truly cares about you and your future. Whether you're looking for a new loan or simply want guidance on your financial journey, we're here for you every step of the way. Visit us or give us a call at (229) 244-2732 let's build a brighter financial future together!

Our Mission

At Southeastern, our mission is simple yet profound: we strive to enhance the financial well-being of our members while contributing positively to our community. We understand that everyone's financial journey is unique, which is why we offer a range of services from personal banking and auto loans to mortgage refinancing and business banking solutions. We believe in putting people first, ensuring that every member feels valued and understood. While members can visit us at 1514 Baytree Rd Valdosta Ga 31602, official correspondence should be sent to 1514 Baytree Rd, Valdosta, GA 31602. Our branch operates with convenient hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We also provide essential services like ATM access and drive-thru banking for your convenience.

Branch Location & Accessibility

Welcome to Southeastern at the Baytree Rd Branch, your friendly neighborhood credit union located at 1514 Baytree Rd in beautiful Valdosta, GA. Our branch is situated conveniently near key landmarks, making it easy for you to stop by and take care of your banking needs. Whether you're visiting us after a trip to nearby Valdosta State University or heading back from shopping at the local mall, we are here to serve you. At Southeastern, we understand that accessibility is important. Our branch features ADA-compliant facilities, ensuring that everyone can enjoy our services comfortably. Plus, we offer ample parking right outside our door, so you can park with ease when you visit us. We are proud to provide a variety of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got your financial needs covered. You can also take advantage of our drive-thru banking for quick deposits and withdrawals without leaving your vehicle perfect for those busy days! Our operating hours are designed with your schedule in mind: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We are always here when you need us! If you're looking for convenient access to cash, our ATM is available on-site for quick withdrawals and balance checks whenever you need it. While members can visit us at 1514 Baytree Rd, official correspondence should be sent to the same address as well. For any questions or assistance, feel free to give us a call at 229-244-2732. Ready to experience great service? We invite you to come by the Southeastern Baytree Rd Branch today!

Member Eligibility

At Southeastern, we believe that everyone deserves a supportive financial community. Becoming a member is simple and open to anyone who lives, works, or worships in our area, as well as their family members. Whether you're looking to save for the future or finance a new vehicle, joining us means gaining access to personalized service and a range of financial products tailored just for you. We pride ourselves on being approachable and inclusive, ensuring that every member feels valued. To learn more about the specific eligibility requirements, feel free to check out our detailed information at this link. If you're ready to take the next step towards membership, opening an account is easy! You can start the process online by visiting this page. If you have any questions along the way, don't hesitate to call us at (229) 244-2732. We're here to help you on your journey!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine having the ability to accept payments quickly and easily from your customers whether they're shopping in-store or online. Our reliable payment processing solutions help you focus on what matters most: growing your business. Located at 1514 Baytree Rd Valdosta Ga 31602 in Valdosta, GA, we are here to be your partner in success. Contact us at (229) 244-2732 today to learn more about how we can assist you!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $449 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $74,949,543, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For local entrepreneurs and small business owners, we understand that managing finances can be challenging. That's why we offer tailored solutions such as merchant services and business loans to help your business thrive. We're dedicated to supporting local businesses because when you succeed, our community flourishes too.

Digital Banking Made Easy

In today's fast-paced world, convenience matters more than ever. Our robust online and mobile banking platforms allow you to manage your finances anytime, anywhere. With features like ATM and cash withdrawal services, along with basic drive-thru banking for deposits and withdrawals, accessing your funds has never been easier.

Join Our Community

At Southeastern, we're not just about transactions; we're about relationships. We invite you to become part of our growing family of over 24,000 members who trust us with their financial journeys. Whether you're looking for personal assistance or business solutions, we're here for you! Don't wait explore how we can support your financial goals today! Visit us online at https://southeasterncu.com/ or stop by our branch located at 1514 Baytree Rd Valdosta Ga 31602 in beautiful Valdosta, GA. Let's work together towards a brighter financial future!

Personal Banking Solutions

Managing your finances should be straightforward and convenient. That's why we provide a variety of personal banking options tailored just for you. From checking and savings accounts that help you save for life's big moments to auto loans and vehicle financing designed to get you on the road without hassle, we have you covered. If you're considering buying a home, our mortgage loans and refinancing options make it easier than ever to secure the perfect property or lower your current payments. Need extra cash for an unexpected expense? Our personal loans and debt consolidation services can give you the relief you need while keeping your budget in check. And for those who love rewards, our credit cards with rewards offer benefits that put money back in your pocket with every purchase.

Stay Connected with Us

Have questions or need assistance? We're just a phone call away at (229) 244-2732. Our friendly team is ready to guide you through any inquiries about our services or help set up an account tailored to your needs.

Digital & Online Banking

Key Services

Our online banking services are available 24/7, allowing you to check balances, transfer funds, and pay bills on your schedule. Need to send money to a friend or family member? Our person-to-person transfer feature makes it simple and quick. Plus, with our mobile payments option, you can make purchases with just a tap on your smartphone.

Security You Can Trust

We prioritize your security with electronic signature authorization, ensuring that your transactions are safe and secure. You can also opt for e-statements, which not only help the environment but allow for easy tracking of your financial activity without the clutter of paper statements.

Stay Connected with Our Mobile App

For those who prefer banking on the go, our mobile application offers all the features you need right at your fingertips. Whether you're checking account balances or making payments, everything is just a click away. At Southeastern, we're committed to providing accessible and effective banking solutions that fit into your lifestyle. Join us today and experience how easy banking can be!

Financial Strength

At Southeastern, 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 maintaining a strong financial foundation that supports our community and ensures your peace of mind. With a net worth of $40,216,549, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.66% 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 $83,964,833 in share certificates and $54,047,335 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. With $38,010,414 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is robust; we currently have $27,838,1749 in total loans and leases, including 2,242 used auto loans that support your financial goals across various sectors. Our commitment to operational efficiency is reflected in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 93 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments) stand at $868,142. Total Share Accounts reach 47,686, 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, Southeastern is your trusted partner. Visit us at 1514 Baytree Rd Valdosta Ga 31602 or call 229-244-2732 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 $37,387,490 in used vehicle loans and $25,643,155 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is ready to assist you every step of the way.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $74,949,543 provide the capital needed to expand and succeed. We're committed to supporting local businesses and helping them thrive in today's economy. Our dedicated team at Southeastern is here to answer any questions you might have about our loan offerings or eligibility requirements. You can reach us at (229) 244-2732 or visit us at our branch located at 1514 Baytree Rd, Valdosta, GA 31602. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information on membership eligibility or to start your application process today, check out our website or become a member. We're excited to help you take the next step towards achieving your financial dreams!

Credit Card Loans

Managing everyday expenses can be easier with our flexible unsecured credit card loans. With a total of $2,006,148 in loans available, our credit cards come with competitive rates and benefits that help you manage your finances effectively.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $20,060,835, make buying or refinancing simple. We guide you through the process with personalized service and expertise. If you're looking at refinancing options as well, we're here to discuss eligibility and find the right fit for your needs.

Loan Aggregator

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