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First Federal S&L of Valdosta

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First Federal S&L of Valdosta Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Federal S&L of Valdosta provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

You can compare First Federal S&L of Valdosta rates to other rates in our database, including 12-month CD rates currently at 0.75%, 6-month CD rates at 3.55% and 3-month CD rates at 3.85%. Savings rates are at 0.01% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.03%. All these rates can be compared to First Federal S&L of Valdosta rates. MonitorBankRates evaluates the financial stability of First Federal S&L of Valdosta with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.75%. Rates were last updated on 04/17/2026.

First Federal S&L of Valdosta 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 First Federal S&L of Valdosta? Share your experience about First Federal S&L of Valdosta by leaving a review below, or read customer reviews before you decide to use First Federal S&L of Valdosta.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.75%

Excellent Higher than avg

First Federal S&L of Valdosta

411 N Patterson St
Valdosta, GA 31601

https://www.1stfederalvaldosta.com

Current Rate Availability

We do not have First Federal S&L of Valdosta rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Federal S&L of Valdosta is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Federal S&L of Valdosta 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 First Federal S&L of Valdosta's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Federal S&L of Valdosta

FDIC Certificate # 29164

Address 411 N Patterson St, Valdosta, GA 31601 · Lowndes

Website https://www.1stfederalvaldosta.com

Established 09/01/1934

FDIC Insurance Date 08/09/1989

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.75%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7128%

Return on Equity (ROE) 4.9300%

Non-Performing Loans (NPL) 1.20%

Total Assets $271,927,000

Total Deposits $195,534,000

Equity Capital $32,703,000

Net Income $1,185,000

Headquarters Valdosta

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About First Federal S&L of Valdosta

Is First Federal S&L of Valdosta a safe place to deposit money?

Yes, First Federal S&L of Valdosta is considered a safe financial institution. With a Texas Ratio of 11.749177068735%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does First Federal S&L of Valdosta operate?

First Federal S&L of Valdosta currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Federal S&L of Valdosta 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, First Federal S&L of Valdosta provides members with tools to manage their accounts and build a solid financial history.

Does First Federal S&L of Valdosta offer online and mobile banking?

Most modern institutions like First Federal S&L of Valdosta 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.1stfederalvaldosta.com.