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 Georgia Power Valdosta Federal Credit Union Rates & Review September 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.
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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 and Verified: September 4, 2026
Georgia Power Valdosta Federal Credit Union's CD 24 month rates are at 1.25%, CD 12 month rates are at 1.00%, CD 24 month rates are at 1.00%, CD 12 month rates are at 0.75%, CD 6 month rates are at 0.55%. Georgia Power Valdosta Federal Credit Union's money market rates are at 0.30%. Georgia Power Valdosta Federal Credit Union's Personal Loan Rates are at 10.50%. MonitorBankRates evaluates the financial stability of Georgia Power Valdosta Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.30%. Rates last updated and verified on 09/04/2026. Georgia Power Valdosta Federal 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 Georgia Power Valdosta Federal Credit Union? Share your experience about Georgia Power Valdosta Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Georgia Power Valdosta Federal Credit Union. Georgia Power Valdosta Federal Credit Union
Main Office 1707 Dow St
https://www.gpvfcu.com Valdosta, GA 31601 
Georgia Power Valdosta Federal Credit Union CD Rates
Georgia Power Valdosta Federal Credit Union Savings Rates
Georgia Power Valdosta Federal Credit Union Money Market Rates
Georgia Power Valdosta Federal Credit Union Home Equity & HELOC
Georgia Power Valdosta Federal Credit Union Auto Loan Rates
Georgia Power Valdosta Federal Credit Union Personal Loan Rates
Financial Health HistoryGeorgia Power Valdosta Federal Credit Union’s Texas Ratio fell from 5.22% in Q2 2023 to 2.30% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Georgia Power Valdosta Federal 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 Georgia Power Valdosta Federal 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 Georgia Power Valdosta Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Georgia Power Valdosta Federal Credit Union
Website
https://www.gpvfcu.com
Address
1707 Dow St,
Valdosta, GA 31601
Phone
229-253-1111
Fax
229-293-9174
President
Lloyd Green
CEO
Kim Cowart
Full-Time Employees
4
Part-Time Employees
6
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.30%
Return on Assets (ROA)
0.2896%
Return on Equity (ROE)
1.9261%
Non-Performing Loans Ratio (NPL)
0.65%
Total Assets
22,946,253
Total Amount of Shares and Deposits
19,417,224
Total Shares and Deposits < 1 Year
19,309,388
Total Shares and Deposits 1 3 Years
107,835
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,810,182
Total Uninsured Shares and Deposits > $250K (F+J)
1,810,182
Total Insured Shares and Deposits > $250K (item 17 less item K)
17,607,042
Total Interest Expense (Sum of items 6 8)
64,843
Share Certificates
96
Number of Accounts for Share Drafts
1,391
IRA KEOGH Accounts
40
Number of Accounts for Regular Shares
3,090
Non Member Deposits
3
Money Market Shares
29
Net Income (unless the amount is already included in Undivided Earnings)
66,452
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,426,369
Total Liabilities
19,496,121
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Georgia Power Valdosta Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Georgia Power Valdosta Federal Credit Union
Frequently Asked Questions About Georgia Power Valdosta Federal Credit UnionHow many branches does Georgia Power Valdosta Federal Credit Union operate?Georgia Power Valdosta Federal 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 Georgia Power Valdosta Federal Credit Union?Yes, to access services at Georgia Power Valdosta Federal 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, Georgia Power Valdosta Federal 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, Georgia Power Valdosta Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Georgia Power Valdosta Federal Credit Union offer online and mobile banking?Most modern institutions like Georgia Power Valdosta Federal 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.gpvfcu.com. Current Georgia Power Valdosta Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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