Valdosta Teachers Credit Union GA | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to Valdosta Teachers, your trusted financial partner located at 102 E Force St, Valdosta, GA 31601. Since our establishment in 1958, we have been dedicated to serving our community with integrity and care. With a proud membership of over 2,300 individuals, we are committed to providing personalized banking services that truly meet your needs. At Valdosta Teachers, we understand the importance of financial stability and growth. Our total assets amount to an impressive $10,969,661, ensuring that we have the resources to support you with various services including auto loans, personal loans, and credit cards with rewards. Our total deposits stand at $964,759, reflecting the trust our members place in us. While members can visit us at our branch address, official correspondence should be sent to 102 E. Force Street, Valdosta, GA 31601-3904. This ensures that we can serve you efficiently and effectively. Under the leadership of our CEO, Katy Houston, and Board President Willie Ferrebee, we strive to foster a welcoming environment where every member feels valued. Our team of six dedicated employees is always ready to assist you with any questions or financial needs you may have. Whether you're looking for a new auto loan or need help managing your savings, we're here for you. For inquiries or assistance, don't hesitate to call us at (229) 247-9930. Explore more about our services by visiting our website at valdostateachersfcu.org. Join us in making a difference in your financial journey today!

Branch History & Mission

Welcome to Valdosta Teachers, a credit union that has been serving our community since 1958. With deep roots in Valdosta, GA, we are proud to have grown alongside the families and educators we support. Over the years, our branch has evolved from a small community initiative into a robust financial institution with total assets of $10969661 and a membership base of over $2312 dedicated individuals. Located at 102 E Force St, Valdosta, GA 31601, our branch stands as a welcoming hub for financial services. We're easy to find, just a short walk from local schools and parks, reinforcing our commitment to being part of the community fabric. For any official correspondence, please send it to our mailing address at 102 E. Force Street, Valdosta, GA 31601-3904. At Valdosta Teachers, our mission is clear: we aim to provide accessible and affordable financial solutions while empowering our members through education and support. We offer a wide range of services including personal banking, auto loans, mortgage loans, and credit cards with rewards. Our focus is not just on transactions; we believe in building relationships that foster trust and community spirit. As we look back on our history, we celebrate key milestones that have shaped us. From starting with just a handful of members to now serving thousands, each step has been driven by our dedication to improving the financial well-being of those around us. Our operating hours are designed to accommodate your busy schedule: Monday, Wednesday through Friday from 9:00 AM to 5:00 PM and Tuesday from 10:00 AM to 5:00 PM; we also offer drive-thru banking until 5:30 PM on Fridays for added convenience. In today's digital world, we understand the importance of innovation while ensuring accessibility for everyone. That's why we provide online banking and mobile payment options for members who prefer managing their finances on-the-go. While we currently do not have ATM services available at this location or shared service centers nearby, we're always looking for ways to enhance member experiences. Our commitment extends beyond banking; it includes active engagement in community outreach initiatives and partnerships that uplift our neighbors. Whether it's sponsoring local events or providing educational workshops on financial literacy, we strive to make a positive impact in Valdosta. We invite you to join the Valdosta Teachers family today! Experience firsthand how being part of our credit union can help you achieve your financial goals while supporting a mission-driven organization rooted in community values. For more information or assistance, feel free to call us at (229) 247-9930 or visit our website at Valdosta Teachers. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

At Valdosta Teachers, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, featuring ramps and ample parking space to make your visit as easy as possible. If you're looking for quick banking options, we also offer drive-thru services for deposits and simple transactions.

Get In Touch

Ready to experience exceptional service? We invite you to visit us at Valdosta Teachers Credit Union or give us a call at 229-247-9930. Our team is eager to assist you with any questions or financial services you may need. Come see how we can make banking easier for you today!

Operating Hours

We are here to serve you during convenient hours! Our lobby is open Monday through Friday, with hours varying slightly each day. On Mondays and Wednesdays through Fridays, you can drop by from 9:00 AM to 5:00 PM; on Tuesdays, we're open from 10:00 AM to 5:00 PM; and on Fridays, our lobby remains open until 5:30 PM. We understand that life gets busy, so we aim to accommodate your schedule.

Services Offered

At Valdosta Teachers Credit Union, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Want a little extra support? Our friendly staff can assist you with credit cards that offer rewards or help with business banking solutions. If you're in need of cash but prefer not to enter the branch, take advantage of our drive-thru service! While we currently do not have ATMs available at this location, we're here to ensure that all your banking needs are met smoothly.

Member Eligibility

Becoming a member of Valdosta Teachers feels like joining a warm and welcoming community where your financial needs are understood and prioritized. If you're curious about membership, you'll be glad to know that eligibility is open to individuals who live, work, worship, or attend school in the Valdosta area. Whether you're a teacher, student, or simply part of this vibrant community, you can take advantage of all we have to offer. To explore detailed eligibility requirements, feel free to check out our resource at http://www.valdostateachersfcu.org/forms/message2.php. Joining is easy! At Valdosta Teachers, we believe that everyone deserves access to excellent financial services without unnecessary hurdles. Once you confirm your eligibility, opening an account is straightforward. Just give us a call at (229) 247-9930 or visit us at our branch located at 102 E Force St Valdosta Ga 31601. We're here to help you every step of the way as you embark on your journey with us!

Business Banking & Commercial Services

At Valdosta Teachers, we understand the heartbeat of your business. Whether you're just starting out or looking to expand, having the right financial partner can make all the difference. 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. Our merchant services are designed with you in mind. Imagine being able to accept payments easily, whether through card transactions or mobile payments. This not only streamlines your operations but also enhances customer satisfaction. At Valdosta Teachers, we offer tailored solutions that fit your unique needs, allowing you to focus on what you do best running your business. Located at 102 E Force St Valdosta Ga 31601 in Valdosta, GA, we're here to help your business thrive. Reach out to us today at (229) 247-9930 and discover how we can support your journey!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Need a new car? Our auto loans provide flexible financing options that help you get behind the wheel without breaking the bank. Picture driving off the lot in your dream vehicle while knowing you've secured a competitive rate through us. We also offer financing for used cars, ensuring that whether you're purchasing new or pre-owned, we have you covered.

Business Banking Services

For entrepreneurs and small business owners, we offer specialized services like merchant services and business loans. We understand the importance of keeping your business running smoothly and are here to support your growth with tailored financial solutions.

Convenient Access

We know convenience is key in today's fast-paced world. That's why we provide essential services such as ATM access, although currently limited at this branch, along with basic drive-thru banking for deposits, withdrawals, and simple transactions. Our team is available during lobby hours from Monday to Friday, including extended hours on Fridays until 5:30 PM. If you have questions or need assistance, don't hesitate to reach out at 229-247-9930. We invite you to visit us at Valdosta Teachers, where we're more than just a credit union; we're part of your community. Explore our offerings today by visiting our website or stop by to see how we can assist you in achieving your financial goals!

Credit Cards with Rewards

With our credit cards, you not only have purchasing power but also earn rewards on everyday spending. Imagine accumulating points that could lead to cash back or travel perks simply by using your card for routine purchases.

Mortgage Loans & Refinancing

Thinking about buying a home or refinancing your current mortgage? Our mortgage loans come with various terms and rates to fit different budgets. We guide you through each step of the process so you feel confident making one of life's biggest investments.

Personal Banking Solutions

Whether you're looking to manage your day-to-day expenses or save for future goals, our checking and savings accounts are designed with you in mind. Imagine having a place where you can easily access your funds while also earning interest on your savings. With our online and mobile banking options, you can check balances, transfer money, and pay bills right from your phone.

Personal Loans & Debt Consolidation

Life can be unpredictable, which is why our personal loans are here to help when unexpected expenses arise. Whether it's for home repairs or medical bills, we offer straightforward solutions. Additionally, if you're looking to simplify your finances, our debt consolidation options can streamline multiple payments into one manageable monthly bill.

Digital & Online Banking

Key Features

Our online banking gives you the power to check your balances, pay bills, and transfer funds with just a few clicks. You'll appreciate the convenience of e-statements as well, which let you view your financial information in a clear and organized way without the clutter of paper. Plus, if you're on the go, our mobile application makes it even simpler to handle your finances directly from your smartphone. Need to make a quick payment? Our mobile payments feature allows you to send money swiftly and safely. Although we currently do not offer person-to-person transfers, there are still plenty of ways to manage your money with ease.

Security and Support

Your security is our top priority. While we don't support electronic signature authorization at this time, rest assured that our online services are designed with the latest safety measures to protect your personal information. Whether it's checking account balances or accessing e-statements, every aspect of our digital banking services aims to provide accessibility and real-time management of your finances. At Valdosta Teachers, we're committed to making sure that your banking experience is straightforward and efficient. Explore all that we have to offer by visiting https://www.valdostateachersfcu.org/ today!

Financial Strength

Commitment to Growth and Innovation

With $1,244,933 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 members' financial goals across various sectors, with $154 in used auto loans and $5,694,649 in total loans and leases.

Growing Member Trust

With net shares available for lending and investments amounting to $307,711, our commitment to serving you is backed by substantial resources. We proudly support a strong member base with a total of 3,887, showing that more individuals trust us with their finances every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valdosta Teachers is your trusted partner. Visit us at 102 E Force St Valdosta Ga 31601 or call (229) 247-9930 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $203,994 in share certificates and $2,446,586 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. This focus is evident as we have $0 in non-member deposits, ensuring that our resources are aimed at benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 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 $1,523,943, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,389 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 $2,587,549 in used vehicle loans and $1,380,148 in new vehicle loans already helping members get on the road. We provide financing 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.

Credit Lines and Personal Loans

For those looking for flexibility in managing expenses, we provide credit lines totaling $1,250,000. This option allows you to borrow as needed while only paying interest on what you use. Additionally, our unsecured credit card loans offer members a way to manage their finances effectively; however, currently there are no unsecured credit card loans available. At Valdosta Teachers, we're dedicated to supporting our community with the financial tools necessary for success. Our friendly staff is always available to discuss which loan products might be right for you. You can reach us at (229) 247-9930, or visit us at our branch located at 102 E Force St, Valdosta GA 31601. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and see how we can assist you in reaching your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $307,665. Our mortgage team is here to guide you through the process and help you find a solution that meets your needs.

Loan Aggregator

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