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FDIC-insured savings and loan association in Valdosta, GA offering personal and business deposit accounts, lending products, and digital banking services.
Data compiled from public sources
First Federal Savings and Loan Association of Valdosta is a regional financial institution based in Valdosta, Georgia, with 91 locations serving the local community. S. Government, providing deposit security for customers.
They operate under NMLS #761813 and offer traditional savings and loan services to both personal and business customers in their market area. The company provides a comprehensive range of deposit products including checking accounts, money market accounts, savings accounts, and CDs. For borrowers, they offer personal loans, residential mortgages, residential construction loans, real estate investment property financing, home equity lines of credit, second mortgages, and business lines of credit.
Their digital services include online banking, mobile banking, mobile deposit, online bill pay, Zelle transfers, and eStatements, all accessible through their Fiserv Solutions platform. 0164) suggesting established local relationships. They offer listed services like safe deposit boxes, night depository, card valet protection, and their proprietary "My Card Creation" debit card personalization feature.
The institution emphasizes security and convenience through various digital channels and traditional banking services. As a regional savings and loan, First Federal caters primarily to customers seeking relationship banking with local branch access rather than national online banking convenience. Their service offerings are standard for traditional institutions, with no indication of premium rates, listed lending programs, or unique competitive advantages.
The website provides basic information but lacks detail on interest rates, loan terms, or fee structures, requiring direct contact for specific product pricing.
This is state-level context for Banks consumers in Valdosta, GA. It does not confirm that First Federal Savings and Loan Association of Valdosta or this specific location is licensed.
State regulator
Georgia Department of Banking and Finance
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
First Federal Savings and Loan Association of Valdosta processed 143 mortgage applications in 2023, with 100% recorded as approved across 1 states.
143
Applications
100%
Approval Rate
$198K
Avg Loan
1
States Served
Based on 143 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
First Federal Savings and Loan Association of Valdosta offers 12 services including Checking accounts, Money market accounts, Savings accounts and CDs, IRAs and HSAs, Business checking, and 7 more.
First Federal Savings and Loan Association of Valdosta has profile signals associated with Valdosta and surrounding Georgia area residents seeking local branch banking relationships, Small business owners in the region needing community bank lending and deposit services, Customers prioritizing FDIC-insured deposits and physical branch access over online-only banking, Borrowers seeking traditional mortgage and home equity lending from an established local institution.
Key strengths: FDIC-insured deposits with full faith and credit backing of U.S. Government; 91 physical branch locations providing extensive local access and in-person service; Comprehensive digital services including mobile banking, mobile deposit, and online bill pay. Areas to consider: Limited geographic presence as regional institution compared to national banks; Website lacks displayed interest rates, APY information, or fee schedules accessible without contact.
In the Banks category, comparable providers include American Pride Bank, Ameris Bank, United Community. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
First Federal Savings and Loan is best suited for Valdosta-area customers who value local branch relationships and FDIC-insured deposits from an established regional institution. The main caveat is that interest rates and fee structures are not transparently displayed online, and the institution lacks the digital convenience and rate claims to verify typically offered by national or online-first banks.
FDIC-insured bank offering checking, savings, credit cards, and retirement products designed for small business owners and entrepreneurs.
Profile signals: Small business owners and entrepreneurs seeking a bank designed specifically for their needs, Consumers wanting high-yield checking with competitive APY and rewards structure
Regional bank operating in 8 southeastern states with full-service and mortgage-only locations, offering personal and commercial banking, mortgages, and equipment financing.
Profile signals: Southeast-based small business owners seeking commercial banking and equipment financing with local relationships, Homebuyers in Alabama, Florida, Georgia, North Carolina, or South Carolina wanting local mortgage experience context
United Community is an FDIC-insured bank offering personal and business banking, lending, mortgages, and wealth management services across multiple locations including Embry Hills, GA.
Google rating from 130 reviews
Profile signals: Customers seeking full-service banking with both personal and business accounts at a single institution, Small business owners needing listed lending (SBA, USDA, industry-specific programs) and treasury management
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