Southeastern Credit Union Valdosta GA | Top Checking & Business Loans

Introduction

Welcome to Southeastern, your trusted financial partner located at 3669 Inner Perimeter Rd, Valdosta, GA 31602. Since our establishment in 1953, we've dedicated ourselves to serving the community with integrity and care. With a robust membership of over 24,180 individuals, we are proud to offer a wide range of financial services tailored to meet your needs. At Southeastern, we understand that financial security is paramount. Our total assets stand at an impressive $376,573,868, while we hold $11,000,581 in deposits from our valued members. These figures reflect our strong commitment to helping you achieve your financial goals. Whether you're looking for personal banking solutions, auto loans, or business financing, we have you covered. Our CEO, E Michael Gudely, and Board President, Charles Eidson, lead a dedicated team of 93 employees who are here to assist you every step of the way. We ensure that our members receive personalized service with a smile after all, it's not just about transactions; it's about building lasting relationships within our community. While you can visit us directly at our branch for all your banking needs, please remember that official correspondence should be sent to the same address: 3669 Inner Perimeter Rd, Valdosta, GA 31602. With offerings like online banking and mobile payments available at your fingertips and a drive-thru service for convenience, we're here to make banking easier for you. If you have questions or need assistance, don't hesitate to call us at 229-244-2732. Join us today and experience the difference of being part of a credit union that truly cares about its members! Visit our website at Southeastern Credit Union to learn more about how we can support your financial journey.

Branch History & Mission

At Southeastern, we take pride in our rich history and commitment to serving the Valdosta community. Founded in 1953, our branch has grown from humble beginnings into a trusted financial partner for over 24,000 members. Located at 3669 Inner Perimeter Rd, Valdosta, GA 31602, we are conveniently situated near local landmarks that enhance accessibility for our members. Our mission is straightforward: to provide quality financial services while supporting the community we call home. We believe that everyone deserves access to affordable banking options and personalized service. Our total assets have reached an impressive $376,573,868, reflecting our dedication to responsible management and growth. Over the years, we have embraced innovation and technology to better serve our members. From online banking to mobile payment options, we're committed to making banking easier and more efficient. Our branch is fully ADA compliant, ensuring that all members of our community can access our services without barriers. Southeastern is not just about transactions; it's about relationships. We actively participate in community outreach programs and partnerships that aim to uplift those around us. Whether it's sponsoring local events or providing educational workshops on financial literacy, we strive to make a positive impact in Valdosta and beyond. While you can visit us at 3669 Inner Perimeter Rd Valdosta Ga 31602 for all your banking needs, please note that official correspondence should be sent to 3669 Inner Perimeter Rd, Valdosta, GA 31602 if it differs from our branch address. Our operating hours are Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM, ensuring that you have ample time to connect with us. We invite you to join our family at Southeastern. Experience the benefits of being part of a credit union that values its members and invests in their success. For more information on how you can become a member or open an account with us, visit here. Your financial journey starts here!

Branch Location & Accessibility

Accessibility Features

We take pride in being accessible for all our members. The branch features ADA-compliant entrances and ramps, making it easy for everyone to access our services comfortably. Plus, if you prefer to bank on the go, we offer ATM services right outside our doors.

Conveniently Located

Nestled near popular landmarks like the Valdosta Mall and just a stone's throw from major highways, our branch is easy to find and reach. With ample parking available, you won't have to worry about finding a spot when you visit us.

Get In Touch

Have questions or need assistance? Don't hesitate to call us at 229-244-2732! We invite you to stop by our branch today and discover how we can assist you with all your banking needs. Your financial journey starts here at Southeastern Credit Union!

Operating Hours

Our lobby hours are designed with your schedule in mind. We're open Monday through Thursday from 9 AM to 5 PM, on Fridays from 9 AM to 6 PM, and Saturdays from 9 AM to 1 PM. This gives you plenty of time throughout the week to manage your banking needs.

Services Offered

At Southeastern Credit Union, we provide a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our drive-thru service allows for quick deposits and withdrawals without leaving your car perfect for those busy days. While members can visit us at 3669 Inner Perimeter Rd, official correspondence should be sent to the same address as our mailing address: 3669 Inner Perimeter Rd, Valdosta, GA 31602.

Member Eligibility

At Southeastern, we believe that everyone deserves a supportive financial community. Becoming a member is easy and welcoming! If you're in the Valdosta area or have connections to it, you likely qualify. We welcome individuals who live, work, or attend school in Lowndes County or are related to a current member. This means you can join us as part of your family legacy or simply because you want to be part of something special right here at 3669 Inner Perimeter Rd Valdosta Ga 31602. Joining brings you more than just access to great banking services; it opens doors to personalized financial solutions tailored for your needs. To learn more about eligibility details, feel free to visit our website at http://www.southeasterncu.com/become-a-member. When you're ready to take the next step, opening an account is straightforward! You can find all the information you need at https://applynow.southeasterncu.com/apply.aspx?enc=kw21wblm1yxpjjabdozad6tvgtsd8clrbbn-tfxejnyxgtm0de8dcpvtnrw9s-juqsgtuaqlkqyvzedbtdy9_h2tyxlev8mxz9bpxvfi9l4qmfhswomkdaxithoehyzq, or simply give us a call at (229) 244-2732 if you have any questions. We can't wait to welcome you into the Southeastern family!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to seize new opportunities. 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.

Merchant Services

In today's fast-paced market, efficient transactions are crucial. Our merchant services simplify payment processing, allowing you to focus on what matters most growing your business. From accepting payments online to point-of-sale systems that make checkout a breeze, we provide tools that enhance customer experience and streamline operations. Visit us at 3669 Inner Perimeter Rd, Valdosta, GA 31602, or call us at 229-244-2732 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking Support

For entrepreneurs and business owners, our Business Banking services include essential support like merchant services and business loans. We understand that running a business requires reliable financial backing, and we're committed to helping local businesses thrive.

Convenient ATM Access

Need cash? Our branch offers ATM & Cash Withdrawal Services, along with basic ATM access for balance checks and withdrawals. This ensures that you have quick access to funds when you need them most. At Southeastern, we pride ourselves on being more than just a financial institution; we are your community partner dedicated to helping each member achieve their financial goals. For any questions or assistance regarding our services, don't hesitate to call us at (229) 244-2732 or visit us during our operating hours: Monday - Thursday 9am - 5pm, Friday 9am - 6pm, and Saturday 9am - 1pm. Explore all that we have to offer by visiting us today! Your financial journey starts here at Perimeter Rd Branch!

Digital Access Anytime

In today's fast-paced world, having access to banking services at your fingertips is crucial. With our Online & Mobile Banking, managing your finances has never been easier. Enjoy features like person-to-person payments and mobile payments that allow you to transact anytime from anywhere.

Home Financing Options

When it comes to securing a place you can truly call home, our Mortgage Loans & Refinancing services provide flexible solutions tailored for first-time buyers and seasoned homeowners alike. Our knowledgeable staff will walk you through each option, ensuring you find the right fit for your budget and lifestyle.

Personal Banking Solutions

For those managing everyday expenses, our Personal Banking services include checking and savings accounts designed to fit various lifestyles. Imagine easily tracking your spending through our online and mobile banking platforms, giving you real-time access to your accounts wherever you are. This means no more waiting in line; you can handle deposits, withdrawals, and even simple transactions through our convenient drive-thru service.

Personal Loans for Life’s Needs

Life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options that allow you to tackle those challenges head-on. Whether it's consolidating debt or funding a special project, we have solutions that can make managing finances simpler.

Rewarding Credit Card Choices

Looking to earn while you spend? Our Credit Cards with Rewards program offers benefits that can enhance your purchasing power and provide cash back on everyday purchases. It's an easy way to turn spending into savings!

Vehicle Financing Made Easy

Dreaming of a new car? Our Auto Loans & Vehicle Financing options offer competitive rates to help make that dream a reality. Whether you're buying new or used, we'll guide you through the financing process with personalized attention. Picture driving off in your new vehicle while knowing you got a great deal on your loan.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking services come with a host of user-friendly features. For instance, e-statements are readily available, allowing you to keep track of your financial activities without the clutter of paper. Plus, with electronic signature authorization, signing documents is as simple as a click no need to print, sign, and scan anymore. If you're out and about, our mobile application lets you check balances, pay bills, and transfer money quickly and securely. You can even make mobile payments right from your phone, making transactions simpler than ever. Speaking of transfers, our person-to-person payment feature allows you to send money to friends or family in just moments.

Security You Can Trust

We prioritize your security. Our online banking system uses advanced encryption technology to protect your information. You can bank with peace of mind knowing that we take every precaution to safeguard your data. With all these features at your fingertips, managing your finances has never been more accessible or efficient. Whether you're checking account balances or making payments, Southeastern is here to support you every step of the way. Join us today at https://southeasterncu.com/ and experience the convenience of modern banking!

Financial Strength

Growing Together

Our total share accounts stand at 47,686, showing a strong and growing member base that trusts us with their finances. Additionally, with net shares amounting to $868,142, we have funds available for lending and investments that benefit you directly. 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 3669 Inner Perimeter 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.

Investment in Growth

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. This commitment allows us to support your financial goals with confidence.

Member-Centric Approach

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.

Solid Foundation

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 1066 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Needs

We have provided $278,381,749 in total loans and leases to help you reach your aspirations. With $22,442 in used auto loans alone and our operational efficiency reflected by a net income of $0, we're positioned well to continue offering competitive loan rates and solid financial products for our members. Our dedicated team comprises 93 full-time employees, ensuring our branches are always ready to serve you with knowledgeable and committed staff. We take pride in creating an environment where your needs come first.

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. We have options for both new and used vehicles, ensuring you find the right fit for your budget. Plus, if you're considering refinancing your current auto loan, we can help you explore eligibility options that may save you money.

Business Loans

For business owners, our outstanding commercial loans totaling $74,949,543 provide the capital needed to grow and expand. We understand that every business has unique needs; that's why we offer customized lending solutions to help you succeed. At Southeastern located at 3669 Inner Perimeter Rd Valdosta GA 31602, we are dedicated to offering personalized service tailored to your financial needs. If you're interested in learning more about our loan offerings or want to discuss how we can assist you further, please give us a call at 229-244-2732. 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 invite you to visit our website here for additional information on loan applications and membership eligibility. Your financial success starts with us!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $20,060,835, making buying or refinancing simple. We offer various mortgage products tailored to meet your needs whether you're a first-time buyer or looking to refinance an existing loan. Our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,006,148 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards options that make everyday purchases more rewarding.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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Southeastern