Southeastern Credit Union

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A short history of Southeastern CU

Since its inception in 1953 the Southeastern Credit Union has been serving its members in the Valdosta, Georgia area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by E Michael Gudely, the Southeastern CU has grown its membership to over 28,980 with assets of more than $240,711,578. They have a main office and 6 branch offices. Please see the credit unions website or contact them by phone at (229) 244-2732 to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Valdosta, GA.

General Information For Southeastern CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68673
Address PO Box 2067 
City Valdosta 
State Georgia 
Zip-Code 31604
Phone Number (229) 244-2732
Fax Number () -
Email Address: ----
CEO/President E Michael Gudely
Members 28,980 
Full-Time Employees 85 
Part-Time Employees
Number of Branch Offices
Total Assets 240,711,578 

Compare Southeastern Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Valdosta Teachers CU MAIN OFFICE 102 E Force St 31601 (229) 247-9930 No 0.64
Georgia Power Valdosta CU Main Office 1707 Dow St 31601 (229) 253-1111 No 2.24
Locoga CU Main 1592 Norman Dr 31603 (229) 244-4513 No 2.50
Southern Pine CU Main office 5495 Clyattville Lake Park Rd 31603 (229) 559-3311 No 9.98
Madison Education Assoc. CU Main Office 302 NE Sumter 32341 (850) 973-3132 No 25.11

Southeastern Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Southeastern Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.50 4.75 5.25 4.00 4.95
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 201 369 356 138 224
Rank Among All Georgia Credit Unions 11 52 36 10 14

Southeastern Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.25 0.30 0.60 0.80 0.30
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 95 88 48 207 259
Rank Among All Georgia Credit Unions 6 13 4 17 30
Southeastern Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.5001,5543,073,569
All Other Unsecured Loans/Lines of Credit 9.2501,5323,884,961
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.75047210,760,319
Used Vehicle Loans 5.2505,27561,905,587
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.00039652,543,619
Total Other Real Estate Loans/Lines of Credit 4.95042012,848,033
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.5004715,914,466
TOTAL LOANS & LEASES 10,120150,930,554

Southeastern Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 182,385,09841,027,910
    b. 15 Years or less 29337,730,314423,952,285
    a. > 15 years 547,059,25711,073,580
    b. 15 Years or less 103,059,32731,146,610
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 212,309,6232508,850


Closed-End Fixed Rate 921,620,82100
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 31210,336,36515652,289
Open-End Fixed Rate 16890,8474458,978
TOTALS 81665,391,652718,820,502


Interest Only & Payment Option 1st Mortgage Loans 221,789,297374,034
Interest Only & Payment Option Other RE/LOC Loans 1003,973,7591,011,267
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Southeastern Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes