Southeastern Credit Union

Overview / Commentary
3501 N Valdosta Rd
Valdosta, GA 31602

Southeastern Credit Union is headquartered in Valdosta and is the 16th largest credit union in the state of Georgia. It is also the 911th largest credit union in the nation. It was established in 1953 and as of September of 2022, it had grown to 90 employees and 15,088 members at 8 locations. Southeastern Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Southeastern Credit Union is open to those who live in the Georgia counties of Ben Hill, Berrien, Brooks, Cook, Echols, Irwin, Lanier, Lowndes, Pierce, Tift, Turner, or Ware.
See current membership details

Reviews (3)

Southeastern Federal Credit Union

Posted by: |

Southeastern Federal Credit Union is one of the best credit unions I have done business with. I have been with them for several years and I'm very satisfied with the credit union, how they handle my checking and savings accounts and how friendly and knowledgeable their employees are. The atmosphere is friendly and welcoming.

Anytime I need assistance I am able to speak to a "live" person quickly. They have always been able to help with whatever the issue has been and rectified the issue in short order. I am very pleased with the online banking. It is very easy to use; easy to see my deposits and my transactions and also very easy to transfer funds.

I would recommend Southeastern to anyone looking for a credit union.

So So Bank

SEFCU is a so so bank.  Have had an account with them 23 years.  Up until a few years ago only Federal Employees could bank there, mostly were military.  Now anyone within the state can open an account.  They have grown, opened several branches and even built a new Main Bank.  They have a hugh employee turn over, you never see the same staff working.  There are a few upper level employees that have been around for a while.  Not a friendly bank, you don't get that home town feel when you walk in.

They put a 10 day hold on the all checks deposit.  I have a couple of other accounts with other banks in the area.  I once made a deposit with check funds from one of my other bank accounts and they put a 10 hold on that check!   They also posted an automatic draft to my account that was not mine.  I could see that maybe a banking staff member might have posted the draft by mistake; but they did not want to fix the problem over the phone they wanted me to come down to the bank and fill out a form.  I did get them to email me the form and allow me to fax it in.  The form put the blame on everyone but them, that I was certifiying that it was a fraudulent transaction that either someone was using my banking information (stolen) or the merchant was scamming me.  It was a small transaction and it was cleared up by the bank within 5 working days.

SHAME On Southeastern Credit Union

Posted by: |

Likely the WORST financial institution in Georgia and beyond!! Terrible customer service and poorly managed! They used the Corona Virus shutdown to withhold interest payments and change customers fees month after month when we didn’t use our debit cards 15 times a month........but everything was CLOSED!!! They raked in thousands while the communities were suffering!!!! SHAME ON YOU SOUTHEASTERN......SHAME SHAME SHAME!!!!


Health Grade Components

NCUA #68673
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD9.49%
Annual Interest Income$7.8MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$346.1MM$331.6MM
LoansQ3 2022vs Q3 2021$251.7MM$225.9MM
DepositsQ3 2022vs Q3 2021$311.7MM$297.8MM
Equity CapitalQ3 2022vs Q3 2021$31.0MM$31.5MM
Loan Loss AllowanceQ3 2022vs Q3 2021$1.3MM$1.2MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$102.00K$135.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for Southeastern Credit Union are currently being reviewed.


Southeastern Credit Union Locations
Branch Office3669 Inner Perimeter RdValdosta, GA 31602
Branch Office2212 Tift Ave NTifton, GA 31794
Branch Office1514 Baytree RdValdosta, GA 31602
Branch Office3501 N Valdosta RdValdosta, GA 31602-1068
Branch Office3205 Mitchell BlvdMoody AFB, GA 31699
Branch Office902 S Davis StNashville, GA 31639
Branch Office1912 Memorial Dr Ste FWaycross, GA 31501-0989
Branch Office205 E Screven StQuitman, GA 31643-2129

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