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iAdvertiser Disclosure
Advertiser Disclosure
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 Georgia Power Valdosta Federal Credit Union Rates & Review October 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 and Verified: October 23, 2026
Georgia Power Valdosta Federal Credit Union's CDs - 24 month rates are at 1.25%, CDs - 12 month rates are at 1.00%, CDs - 6 month rates are at 0.55%. Georgia Power Valdosta Federal Credit Union's money market rates are at 0.40%. Georgia Power Valdosta Federal Credit Union's Personal Loan Rates are as low as 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 2.44%. Rates last updated and verified on 10/23/2026. 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  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 Auto Loan Rates
Georgia Power Valdosta Federal Credit Union RV, Boat and Powersport Loan Rates
Georgia Power Valdosta Federal Credit Union Personal Loan Rates
Georgia Power Valdosta Federal Credit Union Other Rates
Financial Health HistoryGeorgia Power Valdosta Federal Credit Union’s Texas Ratio fell from 3.36% in Q3 2023 to 2.44% in Q2 2026, so its financial health has stayed 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 green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)
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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
2.44%
Return on Assets (ROA)
0.4314%
Return on Equity (ROE)
2.8383%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
22,909,790
Total Amount of Shares and Deposits
19,335,848
Total Shares and Deposits < 1 Year
19,238,041
Total Shares and Deposits 1 3 Years
97,807
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,158,314
Total Uninsured Shares and Deposits > $250K (F+J)
1,158,314
Total Insured Shares and Deposits > $250K (item 17 less item K)
18,177,534
Total Interest Expense (Sum of items 6 8)
137,136
Share Certificates
96
Number of Accounts for Share Drafts
1,444
IRA KEOGH Accounts
41
Number of Accounts for Regular Shares
3,087
Non Member Deposits
3
Money Market Shares
29
Net Income (unless the amount is already included in Undivided Earnings)
98,844
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)
772,198
Total Liabilities
19,427,266
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Georgia Power Valdosta Federal Credit UnionDoes Georgia Power Valdosta Federal Credit Union offer CDs?Yes. Georgia Power Valdosta Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Georgia Power Valdosta Federal Credit Union NCUA insured?Yes. Georgia Power Valdosta Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Georgia Power Valdosta Federal Credit Union?The highest CD rate MonitorBankRates has verified for Georgia Power Valdosta Federal Credit Union is 1.25% APY on its CDs - 24 month, as of October 23, 2026. What CD terms does Georgia Power Valdosta Federal Credit Union offer?The Georgia Power Valdosta Federal Credit Union CD terms we track include 6 month, 12 month and 2 year terms, with rates from 0.55% to 1.25% APY. The institution may offer other terms or specials that are not listed here, so check with Georgia Power Valdosta Federal Credit Union for its full lineup. What is the highest money market rate at Georgia Power Valdosta Federal Credit Union?The highest money market rate MonitorBankRates has verified for Georgia Power Valdosta Federal Credit Union is 0.40% APY on its Money Market Account, as of October 23, 2026. What is the lowest auto loan rate at Georgia Power Valdosta Federal Credit Union?The lowest auto loan rate MonitorBankRates has verified for Georgia Power Valdosta Federal Credit Union is 6.50% APR on its New Auto Loan, as of October 23, 2026. What is the lowest personal loan rate at Georgia Power Valdosta Federal Credit Union?The lowest personal loan rate MonitorBankRates has verified for Georgia Power Valdosta Federal Credit Union is 10.50% APR on its Personal Loans, as of October 23, 2026. How 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Georgia Power Valdosta Federal Credit Union rates compare?Georgia Power Valdosta Federal Credit Union's top rates are 1.25% APY on its CDs - 24 month, 0.40% APY on money market and personal loans from 10.50% APR, verified by MonitorBankRates on October 23, 2026. To compare Georgia Power Valdosta Federal Credit Union with the top rates nationwide, see our best CD rates, best money market rates and best personal loan rates, updated daily from banks and credit unions across the country. Current Georgia Power Valdosta Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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