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Phone Number:

229.559.3311

Fax Number:

229.559.3333

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P. O. BOX 1048
VALDOSTA, GA 31603-1048

Share & Loan Rates

Save for the things that mater most.

Share Rates

Description

APR

APY

Regular Savings and Christmas Club
1.00%
1.00%
Checking Account
0.25%
0.25%
IRA Savings Account
1.75%
1.76%

Loan Rates

Description

Fixed APR

Var. APR

Term

Auto
New - 100% of Sticker Price
4.75%
0
7 yrs
Used - Clean Trade Value in Current NADA Book
5.75%
0
Up to 5 yrs
Used - Clean Trade Value in Older NADA Book
5.75%
0
3.5 yrs
Boats
New - 90% of Sticker Price
4.75%
0
7 yrs
Used - Wholesale
5.75%
0
6 yrs
Campers
New - 90% of Sticker Price
4.75%
0
7 yrs
Used - Wholesale
5.75%
0
6 yrs
ATVs, 4 Wheelers, Jet Skis
New - 90% of Sticker Price
5.75%
0
4 yrs
Golf Carts
90%
5.75%
0
4 yrs
Motorcycles
New - 90% of Sticker Price
4.75%
0
5 yrs
Used - Wholesale
5.75%
0
4 yrs
Furniture and Appliances
Up to $15,000
5.75%
0
5 yrs
Tractors
90%
4.75%
0
7 yrs
Signature
Based on Salary
9.00%
0
4yrs
Seasonal
Up to $1,000
9.00%
0
1 yr
Home Improvement
Up to $15,000
9.00%
0
5 yrs
Shares Pledged
Up to 100% of Shares
2% over last dividend
0
10 yrs
Real Estate
First Mortgage
9.00%
0
15 yrs
2nd Mortgage up to $20,000
9.00%
0
15 yrs
Adjustable Rate Mortgage
Market
30 yrs