Vidalia Federal Savings Bank

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 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

up to $300

Our Rating

4.2 / 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

vidfedonline.com

912-537-8805

300 Jackson Street
Vidalia, GA 30474

Vidalia Federal Savings Bank is headquartered in VIDALIA and is the 92^nd largest bank in the state of Georgia. It is also the 2,870^th largest bank in the nation. It was established in 1936 and as of March of 2025, it had grown to 28 employees at 2 locations. Vidalia Federal Savings Bank's CD rates are 4X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	29772
Year Established	1936
Employees	28
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-0.85%
Return on Equity - YTD	-7.2%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$229MM$214.5MM
Loans	Q1 2025vs Q1 2024	$92.6MM$88.1MM
Deposits	Q1 2025vs Q1 2024	$174.9MM$168.6MM
Equity Capital	Q1 2025vs Q1 2024	$26.8MM$28.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$923K$813K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$156K$150K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

up to $300

Our Rating

4.2 / 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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Checking
CD
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Vidalia Federal Savings Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$25	-	Freedom Savings

Vidalia Federal Savings Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$50	-	Freedom Plus Checking
0.25%	$50	-	Premier Plus Checking

Vidalia Federal Savings Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.30%	$1k	$100k	1 Year CD
3.30%	$2.5k	$100k	2 Year CD
3.30%	$2.5k	$100k	3 Year CD
3.30%	$2.5k	$100k	4 Year CD
3.30%	$2.5k	$100k	5 Year CD
1.26%	$5k	$100k	3 Month CD
1.26%	$5k	$100k	6 Month CD

Vidalia Federal Savings Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.30%	$250	-	18 Month IRA

Locations

Vidalia Federal Savings Bank Locations
Lyons Branch	209 W. Liberty St	Lyons, GA 30436
Vidalia Federal Savings Bank	300 Jackson St	Vidalia, GA 30474

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