Featured Savings Rates
Featured Accounts

Southeastern Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.21%5-year CD60 Month CD
0.55%1-year CD12 Month CD
0.20%SavingsShare Savings

Overview / Commentary
229-244-2732
3501 N Valdosta Rd
Valdosta, GA 31602-1068

Southeastern Federal Credit Union is headquartered in Valdosta and is the 14th largest credit union in the state of Georgia. It is also the 893rd largest credit union in the nation. It was established in 1953 and as of June of 2016, it had grown to 71 employees and 29,160 members at 6 locations. Southeastern Federal Credit Union's money market rates are 36% 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
A

Health Grade Components

Overall
NCUA #68673
Year Chartered1953
Employees71
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD6.88%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ2 2016$231.7MM
LoansQ2 2016$136.8MM
DepositsQ2 2016$207.2MM
Equity CapitalQ2 2016$22.2MM
Loan Loss AllowanceQ2 2016$1.3MM
Unbacked Noncurrent LoansQ2 2016$414.00K
Real Estate OwnedQ2 2016$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$10k*-Health Savings Account
OTHER TIERS: 0.30% Up to $10k
0.30%$100-IRA
0.20%$100-Share Savings
0.20%$100-Business Savings
0.20%$100-Club Account

Southeastern Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$40k*-Performance Money Market
OTHER TIERS: 0.45% $10k - $40k
0.40%*$10k*-Smart Choice Money Market
OTHER TIERS: 0.25% $2,500 - $10k

Southeastern Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$2,500-Checking
0.15%$2,500-Business Checking

Southeastern Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$500-60 Month CD
1.11%$500-48 Month CD
1.05%$500-36 Month CD
0.80%$500-24 Month CD
0.60%$500-18 Month CD
0.55%$500-12 Month CD
0.50%$500-30 Month Step-Up CD
0.35%$500-181 Day CD
0.30%$500-91 Day CD
Locations


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