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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Southern Pine Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 8, 2026
Southern Pine Credit Union's 12 month CDs of Deposit rates are at 2.26%, 24 month CDs of Deposit rates are at 2.01%, 36 month CDs of Deposit rates are at 1.76%, 6 month CDs of Deposit rates are at 1.00%. Southern Pine Credit Union's savings rates are at 0.25%. Southern Pine Credit Union's Personal Loan Rates are at 6.75%. MonitorBankRates evaluates the financial stability of Southern Pine Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.05%. Rates were last updated on 04/08/2026. Southern Pine Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southern Pine Credit Union? Share your experience about Southern Pine Credit Union by leaving a review below, or read customer reviews before you decide to use Southern Pine Credit Union. Southern Pine Credit Union
Main office 5495 Clyattville Lake Park Rd
https://www.southernpinecu.org Valdosta, GA 31601 0871 
Southern Pine Credit Union CD Rates
Southern Pine Credit Union Savings Rates
Southern Pine Credit Union Checking Rates
Southern Pine Credit Union Auto Loan Rates
Southern Pine Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Southern Pine Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Southern Pine Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Southern Pine Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Southern Pine Credit Union
Website
https://www.southernpinecu.org
Address
5495 Clyattville Lake Park Rd,
Valdosta, GA 31601 0871
Phone
229-559-3311
Fax
229-588-8627
President
Cameron Engskow
CEO
Patricia Sharpe
Full-Time Employees
5
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.05%
Return on Assets (ROA)
6.5348%
Return on Equity (ROE)
30.9735%
Non-Performing Loans Ratio (NPL)
0.02%
Total Assets
30,006,304
Total Amount of Shares and Deposits
23,600,145
Total Shares and Deposits < 1 Year
22,297,373
Total Shares and Deposits 1 3 Years
1,302,771
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
432,853
Total Uninsured Shares and Deposits > $250K (F+J)
432,853
Total Insured Shares and Deposits > $250K (item 17 less item K)
23,167,292
Total Interest Expense (Sum of items 6 8)
93,247
Share Certificates
86
Number of Accounts for Share Drafts
703
IRA KEOGH Accounts
126
Number of Accounts for Regular Shares
1,790
Net Income (unless the amount is already included in Undivided Earnings)
1,960,838
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,487,795
Total Liabilities
23,675,615
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Southern Pine Credit UnionIs Southern Pine Credit Union a safe place to deposit money?Yes, Southern Pine Credit Union is considered a safe financial institution. With a Texas Ratio of 0.049473287978607%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Southern Pine Credit Union operate?Southern Pine Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Southern Pine Credit Union?Yes, to access services at Southern Pine Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Southern Pine Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Southern Pine Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Southern Pine Credit Union offer online and mobile banking?Most modern institutions like Southern Pine Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.southernpinecu.org. Current Southern Pine Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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