No stored Google rating available.
Southeastern Credit Union is a member-owned financial institution offering checking, savings, loans, and credit cards with 26,000+ members across South Georgia.
Data compiled from public sources
Southeastern Credit Union operates as a federally chartered credit union serving the South Georgia region, with a primary focus on personal and business financial services. The organization has built a membership base exceeding 26,000 members and maintains physical locations including a recently relocated Waycross branch at 1701-A Boulevard Square. As a credit union rather than a commercial bank, Southeastern is structured as a cooperative financial institution owned by its members.
The credit union offers a comprehensive suite of financial products across personal and business banking. On the deposit side, they provide multiple checking account tiers (Cash Rewards Checking, Cash Back Rewards Checking, Classic Checking), savings products (Share Savings, Money Market Accounts, Club Accounts, Share Certificates), and retirement accounts (IRAs). Their lending portfolio includes auto loans, recreational vehicle loans, personal loans, home mortgage loans (fixed-rate, ARM, USDA Rural, FHA, VA, and construction loans), home equity lines of credit, and commercial real estate financing.
They also issue personal and business credit cards. Southeastern Credit Union distinguishes itself through localized decision-making and processing, particularly in commercial real estate lending where they emphasize knowledge of the South Georgia market. Their staff includes named loan officers (Shawn, Judy Nelson) who are highlighted in member testimonials.
The credit union offers digital banking tools including online banking, mobile deposit, digital wallet, and e-statements, allowing members to access services beyond branch hours. They position themselves as a member-focused institution with personalized service rather than a large impersonal bank. As a credit union, Southeastern's structure provides potential advantages through member ownership and cooperative governance, though membership eligibility may be field-of-membership restricted.
The website emphasizes customer testimonials and relationship-based service. However, typical credit union limitations apply: membership requirements may restrict access, hours may be more limited than large banks, and product availability may not match the broadest national lenders. Specific rates, fees, and membership eligibility requirements are not detailed on the homepage.
This is state-level context for Banks consumers in Atlanta, GA. It does not confirm that Southeastern Credit Services, LLC 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.
Southeastern Credit Services, LLC offers 12 services including Personal checking accounts (Cash Rewards Checking, Cash Back Rewards Checking, Classic Checking), Savings products (Share Savings, Money Market Accounts, Club Accounts, Share Certificates), Individual Retirement Accounts (IRAs), Auto loans and recreational vehicle loans, Personal loans and personal credit cards, and 7 more.
Southeastern Credit Services, LLC has profile signals associated with South Georgia residents seeking relationship-based personal and business banking with local decision-makers, Home buyers interested in mortgage programs including VA, FHA, USDA Rural, or construction financing, Small business owners seeking commercial real estate loans with local market experience context, Members prioritizing digital banking convenience alongside personal loan officer relationships.
Key strengths: Credit union structure with 26,000+ members suggests established, stable institution with member-ownership benefits; Multiple mortgage program types available including USDA Rural, FHA, VA, and construction loans; Quick local decision-making and processing emphasized for commercial real estate and home loans. Areas to consider: Membership eligibility likely restricted by field-of-membership (typical credit union limitation not detailed on site); No specific interest rates, APRs, or fee schedules visible on homepage—only links to view rates.
In the Banks category, comparable providers include Bank of America Financial Center, FHLBank Atlanta, SBA Loans Atlanta. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Southeastern Credit Union is best suited for South Georgia residents and business owners who value relationship-based service and local lending decisions, particularly for mortgage and commercial real estate financing. The primary caveat is that membership eligibility is likely restricted by credit union field-of-membership rules, and specific rates, fees, and lending criteria are not disclosed on the homepage, requiring direct contact to determine qualification and competitiveness.
In Atlanta, GA, Bank of America Financial Center at 3495 Cascade Rd provides checking, savings, and loan services.
Profile signals: Existing Bank of America customers needing in-person staff context consultations on mortgages and financial planning, Business owners seeking to make commercial deposits and meet with business banking staff context
FHLBank Atlanta is a wholesale banking cooperative that provides advances, affordable housing grants, and correspondent banking services to member financial institutions across the Southeast.
Profile signals: Banks, credit unions, and thrift institutions seeking wholesale funding and liquidity, Member financial institutions wanting to expand affordable housing lending programs
First Community Bank is a South Carolina-chartered community bank serving business and personal customers across SC and GA with local banking services and SBA lending.
Profile signals: Small business owners in South Carolina and Georgia seeking personalized lending relationships, Customers seeking community bank service with local decision-makers over national bank alternatives
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Southeastern Credit Services, LLC and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.