From day one, our goal at Woodruff Federal has been to help individuals and families establish their own lasting roots through the value of home ownership. To this end, we are a true, local mortgage lender.

Because we originate and approve all of our loans in-house, there is an ease and flexibility to our lending process you won’t find anywhere else. Every loan application is evaluated on a case-by-case basis.

And unlike most commercial banks, we never sell your loan to the secondary market. This means you will always deal with local people who will maintain a working relationship with you for the life of your mortgage loan. You are always a customer...and our goal is to help you make loan decisions as your needs evolve over time that are always in your best interest


*Individual cases may vary.

Make Your Mortgage Payment Online

Sign Up For Online & Mobile Banking

Manage your accounts whenever you want, from wherever you are via your phone, computer or tablet.

Make Woodruff Federal mortgage payments from internal or external accounts

Transfer money between accounts
(internal or external)

Check your Woodruff federal account balances


Download the Woodruff Federal Savings & Loan Mobile App - WFSL.

Get it on Google Play

Questions? Need Assistance?

Come see us or call 864-476-8144 or email.


We offer a variety of fixed rate home loans to meet each individual’s needs and budget. Let’s discuss a loan term best suited to your needs.

We have special rates and favorable terms to help first-time homebuyers realize the dream of home ownership. Please ask for details.

Construction to Permanent Loans are a very popular choice for individuals building a new home. The loan combines the features of a construction loan with permanent financing, so that only one loan closing is necessary, thus saving you time and money typically associated with two closings.

Customers have the option to refinance their mortgage to a lower interest rate or shorter loan term. Cash-out options are also offered. Unsatisfied with your current mortgage provider? Give us a call to discuss refinancing.

When Woodruff Federal holds the first mortgage, customers have the option to secure a second mortgage.

A HELOC is a special revolving line of credit secured by your home that you can use as you wish...typically to pay for larger expenses or to consolidate debt. The interest may be tax deductible.* Our HELOCs are available to our current mortgage customers or homeowners with no current mortgage. *Individual cases will vary. Please consult your tax advisor.

Woodruff Federal offers residential land loans for vacant land and home sites, allowing you to find the right site to build your future home.

We provide Commercial loans to churches in our neighboring communities for new construction, additions or renovations to serve their growth and expansion needs. Church loans are provided on a case-by-cases basis.

No closing costs for Woodruff Federal customers who want to open a Home Equity Line of Credit.

Before you choose a mortgage lender, let’s talk. We encourage a face-to-face meeting.  We feel it's important for us to get to know one another so we can best serve your needs.

Call 864-476-8144 to talk to a loan officer.