Credit union · NCUA insured
Georgia Power Valdosta FCU
A $22.9M credit union headquartered in Valdosta, GA, with 2,758 members and 1 branch in Georgia. Best rates: CDs 0.75% and savings 0.35% APY.
Georgia Power Valdosta FCU Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#6 of 9 in Valdosta, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Georgia Power Valdosta FCU
Georgia Power Valdosta Federal Credit Union was federally chartered in March 1958 to serve Georgia Power Company employees and their families, before converting to a multiple employee group charter in 1995.
Based in Valdosta, Georgia, the member-owned credit union currently serves more than 50 employee groups in its field of membership.
- Headquarters
- 1707 Dow St, Valdosta, GA 31601
- NCUA charter
- 12291
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of participating partner companies or groups are eligible for membership.
Military, government and schools
- Employees and retirees of participating local government entities (City of Hahira, City of Remerton, Lowndes County Employees) are eligible to join.
Family and household
- Immediate family members of eligible group employees and retirees are eligible for membership.
Branches
1 branch in Georgia
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Georgia
1 branch
- Main OfficeMain office1707 Dow St, Valdosta, GA 31601Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.20% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.69% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.86% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $66 | $59 | — |
- CapitalNet worth ratio15.20%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.69%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.86%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$66Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Georgia Power Valdosta FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.