Southern Pine Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.southernpinecu.org

229-559-3311

5495 Clyattville Lake Park Rd
Valdosta, GA 31601

Southern Pine Credit Union is headquartered in Valdosta and is the 44^th largest credit union in the state of Georgia. It is also the 2,856^th largest credit union in the nation. It was established in 1991 and as of December of 2024, it had grown to 5 employees and 1,388 members at 2 locations. Southern Pine Credit Union's CD rates are 3X the national average, and it has a B health rating.

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Health

Data as of Q4 2024

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Southern Pine Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	67403
Year Chartered	1991
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	1.35%
Return on Equity - YTD	9.58%
Annual Interest Income	$1.4MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$31.2MM$33.9MM
Loans	Q4 2024vs Q4 2023	$18.5MM$20.5MM
Deposits	Q4 2024vs Q4 2023	$26.6MM$29.8MM
Equity Capital	Q4 2024vs Q4 2023	$4.4MM$4MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$126K$105K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$10K$379K
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Checking
CD
IRA

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Southern Pine Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$0	-	Regular Savings
0.25%	$0	-	Christmas Club

Southern Pine Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$0	-	Checking Account

Southern Pine Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.26%	$0	-	12 Month CD
2.01%	$0	-	24 Month CD
1.76%	$0	-	36 Month CD
1.00%	$0	-	6 Month CD

Southern Pine Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.26%	$0	-	12 Month IRA
2.01%	$0	-	24 Month IRA
1.76%	$0	-	36 Month IRA
1.00%	$0	-	6 Month IRA
0.25%	$0	-	IRA Savings Account

Locations

Southern Pine Credit Union Locations
Branch Office	5495 Clyattville Lake Park Rd	Valdosta, GA 31601-0871
Corporate Office	5495 Clyattville Lake Park Rd	Valdosta, GA 31601

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