PO Box 1048
Valdosta, GA 31603
See all branch locations →

Notable Rates APY Vs.Others
Savings 1.16% 1.40% →
1-Year CD N.A. 1.15% →
2-Year CD N.A. 1.26% →
5-Year CD N.A. 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Southern Pine is an NCUA insured institution located in Valdosta, GA. It was founded in 1991 and has approximately $45.79 millions in assets.

NCUA Insured Yes
Charter Number # # 67403
Date Established 1991
Assets $45.79 million
Loans $26.58 million
Deposits $37.19 million
Capital $8.57 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 - July 5, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
1.16% $1 - Learn More

Variable IRA Rates APY MIN MAX
1.76% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1 - Learn MoreShow Less

Loan Rates - July 5, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

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Southern Pine Locations

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
8.93% 5.92

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 September 30, 2019, Southern Pine had $776,092 in non-current loans and $5,200 in owned assets. To cover these potential losses it had $8,570,945 in net worth and $180,885 in loans loss reserves. That gives it a Texas Ratio of 8.93%.

Net Worth
Southern Pine U.S. Average
18.71% 13.86%

Southern Pine FCU has a net worth of 18.71% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Southern Pine

Branches and Savings

What is Southern Pine?

A federal credit union, registered with the NCUA under certificate #67403.
Learn more about credit unions here.

Is Southern Pine FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Southern Pine?

Please see Field of Membership information above for information on who is eligible to join.

What are Southern Pine's share account and share certificate rates?

Southern Pine's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Southern Pine?

Southern Pine has total capital of $8.57 million. Full information on Southern Pine's financial position is located above.

Who owns Southern Pine?

Credit Unions are owned by their members.

Where are Southern Pine branches located?

See branch locations nearby.

Are Southern Pine ATMs Open 24/7?

Do Southern Pine ATMs accept cash deposits?

Can Southern Pine customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Southern Pine have a mobile app?

Does Southern Pine have mobile deposit?

Does Southern Pine have quick pay?

How can Southern Pine transfer money to other banks or credit unions?

Does Southern Pine report to credit bureaus?

Does Southern Pine use Chexsystems?

Does Southern Pine use Equifax?

What is Southern Pine's toll free phone number?

What is Southern Pine's ACH Routing Number?

What is Southern Pine's SWIFT code?

Where can I find Southern Pine's wire transfer form?

What is the Southern Pine address for deposits?

What Products Does Southern Pine Offer

Does Southern Pine offer mortgages?

Compare mortgage rates here.

Does Southern Pine offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Southern Pine offer auto and RV loans?

Compare auto loan rates here.

Does Southern Pine offer student loans or personal loans?

Compare personal loan rates here.

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