Southeastern Credit Union Waycross GA | Best Auto Loans & Business Banking

Introduction

Welcome to the Southeastern Waycross Branch, where your financial well-being is our top priority! Located at 1912 Memorial Dr Ste F, Waycross, GA 31501, we are proud to have served our community since 1953. With a dedicated team of 93 employees, we strive to create an environment that fosters trust and reliability for all our 24,180 members. At Southeastern Credit Union, we understand that every member has unique financial needs. That's why we offer a wide array of services designed to help you achieve your goals whether it's opening a checking account, financing your next vehicle, or securing a mortgage for your dream home. Our total assets stand strong at $376,573,868, and with $11,000,581 in deposits, we are committed to providing you with safe and secure banking options. Our experienced leadership team is here to guide you every step of the way. Led by CEO E Michael Gudely and Board President Charles Eidson, we emphasize community engagement and member satisfaction. We're not just a credit union; we're a part of the fabric of Waycross. While members can visit us at our branch address for personal service, official correspondence should be sent to the same address: 1912 Memorial Dr Ste F, Waycross, GA 31501-0989. Curious about how Southeastern can help you? Give us a call at 912-809-3563 or explore our website at southeasterncu.com for more information. Join us today and experience financial services tailored to your needs!

Branch History & Mission

At Southeastern, our story began in 1953, when we first opened our doors in Waycross, GA. Over the decades, we've grown from a small local credit union into a trusted financial partner for over 24,000 members. Our journey reflects a commitment to providing quality financial services while supporting the community we call home. Located at 1912 Memorial Dr Ste F in Waycross, our branch is easily accessible and close to various local landmarks. Whether you're visiting us for personal banking needs or just stopping by to ask questions, you will always find a friendly face ready to assist you. While members can visit us at this address, official correspondence should be sent to the same location: 1912 Memorial Dr Ste F, Waycross, GA 31501-0989. Our mission is simple yet profound: to empower our members through accessible financial solutions that meet their needs and enhance their lives. We offer a wide range of services including checking and savings accounts, auto loans, mortgage options, and business banking solutions. But beyond providing financial products, we focus on building relationships with our members and giving back to the community through various outreach initiatives. With total assets of over $376 million, we pride ourselves on being financially sound and equipped to serve our growing membership base. Our digital advancements ensure that members can access services like online banking and mobile payments with ease. We also provide vital resources like ATMs and drive-thru banking for convenience. As we continue to evolve, we remain committed to inclusivity and accessibility for all. Our branch adheres to ADA compliance standards, ensuring everyone can benefit from our services without barriers. We believe that partnerships are crucial for fostering growth within the community. Through collaborations with local organizations and participation in community events, we strive to make a positive impact on the lives of those around us. Join us at Southeastern and experience firsthand the benefits of becoming a member of our family. With competitive rates and personalized service, your financial goals are within reach! Call us today at 912-809-3563 or visit us online at Southeastern Credit Union to learn more about how we can help you achieve your dreams!

Branch Location & Accessibility

ATMs and Contact Information

For added convenience, we also offer ATM services at this location, allowing you to withdraw cash or check balances anytime. Should you have questions or need assistance, don't hesitate to reach out! You can contact us at 912-809-3563. While members can visit us at 1912 Memorial Dr Ste F, official correspondence should be sent to the same address for consistency. We invite you to come experience the friendly service that sets Southeastern apart. Whether you're already a member or looking to join our community, we can't wait to welcome you!

Accessibility Features

At our Waycross location, we prioritize accessibility for all our members. Our branch is designed to be welcoming and accommodating, featuring ADA-compliant entrances and ramps for easy access. If you're driving in, you'll find ample parking available right outside our doors.

Operating Hours and Services

We're open Monday through Thursday from 9 AM to 4 PM and Fridays until 5 PM, giving you plenty of time to visit us during the week. Whether you need personal banking services like checking and savings accounts or auto loans, or business banking options such as merchant services and business loans, we've got you covered. Plus, if you're in a hurry, take advantage of our drive-thru service for quick transactions without leaving your vehicle.

Member Eligibility

At Southeastern, we believe that becoming a member is like joining a warm and welcoming family. If you're looking to connect with a community that truly cares about your financial well-being, you're in the right place! To be eligible for membership, you typically need to live, work, worship, or attend school in our local area. We also welcome family members of existing members, making it easy for everyone to experience the benefits we offer. For more detailed information about eligibility, feel free to check out our resource at http://www.southeasterncu.com/become-a-member. Opening an account with us is straightforward and designed to be inclusive for all. We're here to support you every step of the way, whether you're interested in checking and savings accounts, auto loans, or any of our other services. You can easily start the account opening process by visiting https://applynow.southeasterncu.com/apply.aspx?enc=kw21wblm1yxpjjabdozad6tvgtsd8clrbbn-tfxejnyxgtm0de8dcpvtnrw9s-juqsgtuaqlkqyvzedbtdy9_h2tyxlev8mxz9bpxvfi9l4qmfhswomkdaxithoehyzq. If you have any questions or need assistance, don't hesitate to give us a call at (912) 809-3563. Join us at Southeastern, located at 1912 Memorial Dr Ste F Waycross Ga 31501, where your financial journey is our priority!

Business Banking & Commercial Services

Merchant Services Made Simple

Imagine having a reliable partner that not only provides loans but also simplifies your payment processing. Our merchant services allow you to accept payments effortlessly whether in-store or online. This means you can focus on what matters most: growing your business and serving your customers better. At Southeastern, we're not just about numbers; we're about building relationships that foster success. Let us help you take your business to the next level! For more information, contact us at (912) 809-3563 or visit our website at Southeastern.

Tailored Loan Options

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 Solutions

For entrepreneurs and small business owners, we offer comprehensive Business Banking services that include Merchant Services & Business Loans. We know how vital it is for businesses to have access to funds and efficient payment processing solutions our team is dedicated to helping you succeed.

Digital Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we've invested in robust Online & Mobile Banking features. You can manage your accounts from anywhere using our user-friendly app whether it's checking your balance, transferring funds, or paying bills on the go. Additionally, we offer easy access through our ATM & Cash Withdrawal Services, allowing you to withdraw cash whenever necessary without any hassle. If you're on the move and need quick service, take advantage of our Basic Drive-Thru Banking, perfect for deposits and simple transactions.

Personal Banking Made Easy

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer tailored solutions like Checking & Savings Accounts to help you keep track of your money effortlessly. Imagine having a reliable account that lets you deposit your paycheck and withdraw cash without worrying about hidden fees. When it comes to larger purchases, our Auto Loans & Vehicle Financing options ensure that you can drive away with confidence. With competitive rates and flexible terms, financing your dream car has never been easier. For those considering homeownership or refinancing, our Mortgage Loans & Refinancing services provide guidance every step of the way, making what seems daunting into an achievable goal.

Support When You Need It

Life can throw unexpected challenges your way, which is where our Personal Loans & Debt Consolidation come into play. We're here to help you consolidate debt and regain control over your finances. Plus, our Credit Cards with Rewards offer perks for everyday spending, making it simple to earn while you shop.

We're Here for You

At Southeastern, we strive to make banking as straightforward as possible. Our friendly staff is always ready to assist you with any questions or concerns you may have. You can reach us at (912) 809-3563, or better yet, stop by our branch during operating hours: M-Th 9-4 and F 9-5. Join us today! Visit us at https://southeasterncu.com/ to explore all our services or start your membership journey by clicking here. Your financial goals are within reach with Southeastern by your side!

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization. This means you can sign documents electronically without the hassle of printing and mailing them. It's fast, secure, and perfect for those who prefer to handle their banking tasks digitally. For those who want to stay organized, we offer e-statements that allow you to view your account statements online instead of waiting for them in the mail. This not only helps reduce paper waste but also makes it easier for you to keep track of your finances. If you're on the move, our mobile application brings all these features right to your fingertips. You can make mobile payments with ease, ensuring you never miss a beat when it comes to transactions. Additionally, our person-to-person transfer feature allows you to send money quickly and securely to friends and family perfect for splitting bills or sharing expenses. With all these options available at Southeastern, managing your finances has never been more straightforward or secure. We're here to help you take control of your money so that you can focus on what truly matters in life!

Financial Strength

Growing Membership Base

We have a strong community presence with 47,686 total share accounts, showcasing the trust placed in us by our growing member base. This trust is fundamental as it enables us to effectively manage assets totaling $376,573,868 while focusing on your best interests. 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 1912 Memorial Dr Ste F Waycross Ga 31501 or call 912-809-3563 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 $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.

Operational Efficiency

Our net income of $0 reflects our operational efficiency challenges but assures you that we remain committed to providing valuable products and services tailored to your needs. We also take pride in having 93 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable team.

Reinvestment in Member Services

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 lending capacity is significant with $278,381,749 in total loans and leases supporting members' financial goals across various sectors.

Solid Financial 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 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have issued 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 purchasing a new model or a reliable used vehicle, our competitive rates and flexible terms can help make your car-buying experience smooth and affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $74,949,543 provide the capital needed to grow and expand your business. Whether you're starting anew or looking to enhance your current operations, our team is ready to assist you in finding the best financing solutions. At Southeastern Credit Union, we're committed to supporting our members' financial journeys with transparency and dedication. For more information about any of our loan products or if you would like to explore refinancing options further, feel free to reach out at 912-809-3563 or visit us online at Southeastern CU. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $20,060,835, enabling you to take the next step toward owning your dream home. If you're considering refinancing your existing mortgage, our team can guide you through the process and discuss eligibility options tailored for you.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $2,006,148 in unsecured credit card loans helping members manage their finances effectively, our credit card options come with various rewards and benefits designed to fit your lifestyle.

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SOUTHEASTERN CREDIT UNION - Waycross, GA

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