Southern Pine Credit Union


P. O. Box 1029
Lake Park, GA 31636
See all branch locations →

Notable Rates APY Vs.Others
Savings 1.16% 4.08% →
1-Year CD N.A. 4.71% →
2-Year CD N.A. 4.73% →
5-Year CD N.A. 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Credit Union Information

Southern Pine is an NCUA insured institution located in Lake Park, GA. It was founded in 1991 and has approximately $42.45 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 67403
Date Established 1991
Assets $42.45 million
Loans $22.87 million
Deposits $38.68 million
Capital $3.39 million

Field of Membership Restrictions

Southern Pine Credit Union is headquartered in VALDOSTA and is the 45th largest credit union in the state of Georgia. It is also the 2,440th largest credit union in the nation. It was established in 1991 and as of June of 2017, it had grown to 5 employees and 2,101 members at 1 location. Southern Pine Credit Union's savings rates are 92% higher than the national average, and it has a B health rating.

Deposit Rates - December 8, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
1.16% $2,500 $4,999 Learn More

Variable IRA Rates APY MIN MAX
1.76% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1 $99 Learn MoreShow Less
Int Ckg
0.25% $2,500 $3,499 Learn MoreShow Less

Loan Rates - December 8, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SOUTHERN PINE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2022

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NMLS ID: 424182
5.966% 5.875% 1.00 $2,462 $1,479 Learn More
Morty, Inc.
NMLS ID: 1429243
5.798% 5.750% 0.50 $1,312 $1,459 Learn More
Northpointe Bank
NMLS ID: 447490
5.806% 5.750% 0.63 $1,518 $1,459 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.779% 7.625% 1.00 $3,750 $1,770 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
6.490 %
After Intro: 7.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.240 %
$0 Learn More
More Info

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Below are Southern Pine branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Southern Pine Locations

Climate Initiatives

SOUTHERN PINE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Southern Pine Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southern Pine. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Southern Pine U.S. Average
3.28% 4.24

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2022, Southern Pine had $107,831 in non-current loans and $8,500 in owned assets. To cover these potential losses it had $3,388,243 in net worth and $158,410 in loans loss reserves. That gives it a Texas Ratio of 3.28%.

Net Worth
Southern Pine U.S. Average
7.98% 12.40%

Southern Pine FCU has a net worth of 7.98% versus the BestCashCow average of 12.40. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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