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Overview / Commentary
3501 N Valdosta Rd
Valdosta, GA 31602-1068

Southeastern Federal Credit Union is headquartered in Valdosta and is the 15th largest credit union in the state of Georgia. It is also the 910th largest credit union in the nation. It was established in 1953 and as of December of 2017, it had grown to 83 employees and 26,583 members at 7 locations. Southeastern Federal Credit Union's money market rates are 70% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live in Turner, Ben Hill, Irwin, Tift, Berrien, Cook, Lanier, Brooks, Lowndes and Echols Counties in Georgia.
See current membership details

Reviews (2)

Southeastern Federal Credit Union

Posted by: Bit | Oct 26, 2015

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.


Health Grade Components

NCUA #68673
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD5.31%
Annual Interest Income$8.6MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$240.8MM$228.8MM
LoansQ4 2017vs Q4 2016$165.8MM$142.7MM
DepositsQ4 2017vs Q4 2016$214.3MM$204.3MM
Equity CapitalQ4 2017vs Q4 2016$23.2MM$21.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.6MM$1.5MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$475.00K$505.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Southeastern Federal Credit Union Savings Account Rates

0.60%*$10k*-Health Savings Account
OTHER TIERS: 0.40% $100 - $10k
0.40%$100-Share Savings
0.40%$100-Business Savings
0.30%$100-Club Account

Southeastern Federal Credit Union Money Market Rates

0.75%*$40k*-Performance Money Market
OTHER TIERS: 0.60% $10k - $40k
0.45%*$10k*-Smart Choice Money Market
OTHER TIERS: 0.35% $2,500 - $10k

Southeastern Federal Credit Union Checking Account Rates

0.35%$100-Business Checking

Southeastern Federal Credit Union CD Rates

1.51%$500-37 Month CD Special
1.41%$500-5 Year CD
1.36%$500-25 Month CD Special
1.31%$500-4 Year CD
1.21%$500-3 Year CD
1.11%$500-2 Year CD
0.90%$500-18 Month CD
0.85%$500-1 Year CD
0.85%$500-30 Month Step-Up CD
0.75%$500-6 Month CD
0.55%$500-3 Month CD

Southeastern Federal Credit Union Locations
Branch Office3669 Inner Perimeter RdValdosta, GA 31602-1048
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 Office1701 Boulevard Sq Ste BWaycross, GA 31501-8022