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Vacationland Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 29, 2026
Vacationland Federal Credit Union's CDs + 18 month rates are at 4.30%, CDs + 21 month rates are at 4.30%, CDs + 24 month rates are at 4.30%, CDs + 12 month rates are at 4.25%, CDs + 30 month rates are at 4.00%. Vacationland Federal Credit Union's savings rates are at 0.75%. Vacationland Federal Credit Union's money market rates are at 2.50%. Vacationland Federal Credit Union's checking rates are as high as 0.25%. Vacationland Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 8.07%. Vacationland Federal Credit Union's Credit Card Rates are at 13.90%. Vacationland Federal Credit Union's CD rates are 40% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Vacationland Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.80%. Rates last updated and verified on 10/29/2026.
Vacationland 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 Vacationland Federal Credit Union? Share your experience about Vacationland Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Vacationland Federal Credit Union.
Vacationland Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Vacationland Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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.
Based on 1 member review averaging 5.0 stars.
Texas Ratio
?
4.80%
ExcellentLower than avg
Vacationland Federal Credit Union Texas Ratio
Vacationland Federal Credit Union's Texas Ratio is 4.80%, which is considered excellent and is lower than the national average of 6.13%.
Vacationland Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.40% to 4.80% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Vacationland Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Youth Certificates - 12 month
-
6.03%
12 Months
Min Deposit$500
Min Balance$500
DetailsAge: 19; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.03% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
5.93%
12 Months
Min Deposit$500
Min Balance$500
DetailsAge: 18; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.93% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
5.82%
12 Months
Min Deposit$500
Min Balance$500
DetailsAge: 17; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.82% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
5.72%
12 Months
Min Deposit$500
Min Balance$500
DetailsAge: 16; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.72% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
5.62%
12 Months
Min Deposit$500
Min Balance$500
DetailsAge: 15; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.62% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
5.51%
12 Months
Min Deposit$500
Min Balance$500
DetailsAge: 14; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.51% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
5.41%
12 Months
Min Deposit$500
Min Balance$500
DetailsAge: 13; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.41% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
5.30%
12 Months
Min Deposit$100
Min Balance$100
DetailsAge: 12; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.30% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
5.20%
12 Months
Min Deposit$100
Min Balance$100
DetailsAge: 11; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.20% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
5.10%
12 Months
Min Deposit$100
Min Balance$100
DetailsAge: 10; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
4.99%
12 Months
Min Deposit$100
Min Balance$100
DetailsAge: 9; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.99% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
4.88%
12 Months
Min Deposit$100
Min Balance$100
DetailsAge: 8; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.88% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
4.78%
12 Months
Min Deposit$100
Min Balance$100
DetailsAge: 7; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.78% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
4.68%
12 Months
Min Deposit$100
Min Balance$100
DetailsAge: 6; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.68% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
4.58%
12 Months
Min Deposit$100
Min Balance$100
DetailsAge: 5; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.58% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
4.47%
12 Months
Min Deposit$100
Min Balance$100
DetailsAge: 4; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.47% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
4.37%
12 Months
Min Deposit$100
Min Balance$100
DetailsAge: 3; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.37% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
24 Month Jumbo Certificates +
-
4.35%
24 month
Min Deposit$50,000
Min Balance$50,000
DetailsRates effective as of September 22, 2026
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
Sep 25, 20264.35%▲ from 4.05%
Sep 18, 20264.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Certificates + 18 month
-
4.30%
18 month
Min Deposit$500
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.30% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Certificates + 21 month
-
4.30%
21 month
Min Deposit$500
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.30% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Certificates + 24 month
-
4.30%
24 month
Min Deposit$500
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.30% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
4.27%
12 Months
Min Deposit$100
Min Balance$100
DetailsAge: 2; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.27% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Certificates + 12 month
-
4.25%
12 month
Min Deposit$500
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
4.16%
12 Months
Min Deposit$100
Min Balance$100
DetailsAge: 1; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Certificates - 12 month
-
4.06%
12 Months
Min Deposit$100
Min Balance$100
DetailsAge: 0; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
30 Month Jumbo Certificates +
-
4.05%
30 month
Min Deposit$50,000
Min Balance$50,000
DetailsRates effective as of September 22, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
36 Month Jumbo Certificates +
-
4.05%
36 month
Min Deposit$50,000
Min Balance$50,000
DetailsRates effective as of September 22, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Certificates + 30 month
-
4.00%
30 month
Min Deposit$500
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Certificates + 36 month
-
4.00%
36 month
Min Deposit$500
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Certificates + 6 month
-
3.85%
6 month
Min Deposit$500
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Certificates + 9 month
-
3.85%
9 month
Min Deposit$500
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
60 Month Jumbo Certificates +
-
3.50%
60 month
Min Deposit$50,000
Min Balance$50,000
DetailsRates effective as of September 22, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Certificates + 3 month
-
3.50%
3 month
Min Deposit$500
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Certificates + 59 month
-
3.50%
59 month
Min Deposit$500
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Certificates + 40 month
-
3.45%
40 month
Min Deposit$500
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.45% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
48 Month Jumbo Certificates +
-
3.40%
48 month
Min Deposit$50,000
Min Balance$50,000
DetailsRates effective as of September 22, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Certificates + 60 month
-
3.40%
60 month
Min Deposit$500
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.40% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Certificates + 48 month
-
3.30%
48 month
Min Deposit$500
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.30% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Vacationland Federal Credit Union Savings Rates
Product
Rate
APY
View More
Berenstain Bears Cub Club Account
-
1.00%
Min Deposit$0
Min Balance$100
DetailsBalance: $100.00 to $20,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Club Accounts
-
1.00%
Min Deposit$0
Min Balance$100
DetailsBalance: $100.00 to $20,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
IRA Savings Accounts
-
0.75%
Min Deposit$0
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Berenstain Bears Cub Club Account
-
0.25%
Min Deposit$0
Min Balance$20,000
DetailsBalance: $20,000.01 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Christmas Club Accounts
-
0.25%
Min Deposit$0
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Club Accounts
-
0.25%
Min Deposit$0
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Savings Accounts
-
0.25%
Min Deposit$5
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Club Accounts
-
0.25%
Min Deposit$0
Min Balance$20,000
DetailsBalance: $20,000.01 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Berenstain Bears Cub Club Account
-
0.00%
Min Deposit$0
Min Balance$0
DetailsBalance: $0.00 to $99.99
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Youth Club Accounts
-
0.00%
Min Deposit$0
Min Balance$0
DetailsBalance: $0.00 to $99.99
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Vacationland Federal Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings Accounts
-
0.25%
Min Deposit$5
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Vacationland Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Plus+ / IRA Money Market Plus+
-
2.50%
Min Deposit$0
Min Balance$100,000
DetailsBalance: $100,000.00 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Money Market Plus+ / IRA Money Market Plus+
-
2.00%
Min Deposit$0
Min Balance$25,000
DetailsBalance: $25,000 to $99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Money Market Plus+ / IRA Money Market Plus+
-
1.25%
Min Deposit$0
Min Balance$10,000
DetailsBalance: $10,000 to $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Money Market Plus+ / IRA Money Market Plus+
-
1.15%
Min Deposit$0
Min Balance$2,000
DetailsBalance: $2,000 to $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Money Market Plus+ / IRA Money Market Plus+
-
0.00%
Min Deposit$0
Min Balance$0
DetailsBalance: $0.00 to $1,999.99
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Vacationland Federal Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market Plus+
-
2.50%
Min Deposit$0
Min Balance$100,000
DetailsBalance: $100,000.00 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Business Money Market Plus+
-
2.00%
Min Deposit$0
Min Balance$25,000
DetailsBalance: $25,000 to $99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Business Money Market Plus+
-
1.25%
Min Deposit$0
Min Balance$10,000
DetailsBalance: $10,000 to $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Business Money Market Plus+
-
1.15%
Min Deposit$0
Min Balance$2,000
DetailsBalance: $2,000 to $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Business Money Market Plus+
-
0.00%
Min Deposit$0
Min Balance$0
DetailsBalance: $0.00 to $1,999.99
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Vacationland Federal Credit Union Checking Rates
Product
Rate
APY
View More
Elevate Checking
-
0.25%
Min Deposit$0
Min Balance$1,500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Golden Checking
-
0.10%
Min Deposit$0
Min Balance$185
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Essential Checking
-
0.00%
Min Deposit$0
Min Balance$0
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Vacationland Federal Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Checking Plus+
-
0.25%
Min Deposit$0
Min Balance$2,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Business Checking
-
0.10%
Min Deposit$0
Min Balance$185
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Vacationland Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boats Loan
7.99%
8.07%
180 Months
DetailsAs Low As; Loan amount: $25,000+
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 8.07% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RVs, Campers, Motorhomes & Travel Trailers Loan
7.99%
8.07%
180 Months
DetailsAs Low As; Amount: $25,000+; APR based on loan amount of $50,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.07% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Boats Loan
7.99%
8.17%
144 Months
DetailsAs Low As; Loan amount: $15,000-$24,999
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 8.17% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RVs, Campers, Motorhomes & Travel Trailers Loan
7.99%
8.17%
144 Months
DetailsAs Low As; Amount: $15,000-$24,999; APR based on loan amount of $24,999
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.17% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Motorcycle Loan - New/Used 2027-2024
7.99%
8.54%
72 Months
DetailsAs Low As; Model Year: New/Used 2027-2024; Rates effective October 1, 2026
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.54% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Boats Loan
8.99%
9.35%
120 Months
DetailsAs Low As; Loan amount: $10,000-$14,999
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 9.35% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RVs, Campers, Motorhomes & Travel Trailers Loan
8.99%
9.35%
120 Months
DetailsAs Low As; Amount: $10,000-$14,999; APR based on loan amount of $14,999
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 9.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Motorcycle Loan - Used 2023-2020
8.99%
9.55%
72 Months
DetailsAs Low As; Model Year: Used 2023-2020; Rates effective October 1, 2026
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 9.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Vacationland Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Business Rewards
-
13.90%
DetailsAs Low As; Credit card APR
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 13.65% → 13.90% ▲ 0.25 pts · high 13.90% / low 13.65%
Sep 17, 202613.90%▲ from 13.65%
Sep 14, 202613.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Visa Rewards
-
13.90%
DetailsAs Low As; Credit card APR
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 13.65% → 13.90% ▲ 0.25 pts · high 13.90% / low 13.65%
Sep 17, 202613.90%▲ from 13.65%
Sep 14, 202613.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Vacationland Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Elevate Checking
0.25%
-
0.25%
Min Balance$1,500
DetailsBalance: maintained daily balance of $1,500 or more; Low $5 monthly service charge waived with daily minimum balance of $1,500.00; Up to 5 non-proprietary ATM fees waived per month; Free cashier's checks and money orders; Discounted safe deposit box fees
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Financial Health History
Vacationland Federal Credit Union’s Texas Ratio rose from 2.40% in Q3 2023 to 4.80% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$327M
4.80%
5.0
A+
March 31, 2026
$328M
3.71%
5.0
A+
December 31, 2025
$321M
3.52%
5.0
A+
September 30, 2025
$314M
2.26%
5.0
A+
June 30, 2025
$313M
2.60%
5.0
A+
March 31, 2025
$311M
3.09%
5.0
A+
December 31, 2024
$304M
2.91%
5.0
A+
September 30, 2024
$301M
1.97%
5.0
A+
June 30, 2024
$302M
1.95%
5.0
A+
March 31, 2024
$301M
2.01%
5.0
A+
December 31, 2023
$297M
2.64%
5.0
A+
September 30, 2023
$295M
2.40%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Vacationland 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 Vacationland 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 Vacationland Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameVacationland Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,708,907
Total Uninsured Shares and Deposits > $250K (F+J)
13,708,907
Total Insured Shares and Deposits > $250K (item 17 less item K)
267,955,766
Total Interest Expense (Sum of items 6 8)
1,959,050
Share Certificates
2,823
Number of Accounts for Share Drafts
13,230
IRA KEOGH Accounts
715
Number of Accounts for Regular Shares
30,032
All other shares
4
Money Market Shares
680
Net Income (unless the amount is already included in Undivided Earnings)
1,189,342
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)
38,260,551
Total Liabilities
288,466,195
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Vacationland Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Want to discuss Vacationland Federal Credit Union with other members?
Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Vacationland Federal Credit Union
Frequently Asked Questions About Vacationland Federal Credit Union
Does Vacationland Federal Credit Union offer CDs?
Yes. Vacationland Federal Credit Union current CD rates include its CDs + 18 month at 4.30% APY, its CDs + 21 month at 4.30% APY and its CDs + 24 month at 4.30% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Vacationland Federal Credit Union NCUA insured?
Yes. Vacationland 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 Vacationland Federal Credit Union?
The highest Vacationland Federal Credit Union CD rate is its Youth CDs - 12 month at 6.03% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Vacationland Federal Credit Union offer?
Vacationland Federal Credit Union CD rates are 4.25% APY for a 12 month CD, 4.30% APY for an 18 month CD, 4.30% APY for a 21 month CD, 4.30% APY for a 2 year CD, 4.00% APY for a 30 month CD and 3.40% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Vacationland Federal Credit Union for its full lineup.
What is the highest savings rate at Vacationland Federal Credit Union?
The highest Vacationland Federal Credit Union savings rate is its IRA Savings Accounts at 0.75% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Vacationland Federal Credit Union?
The highest Vacationland Federal Credit Union money market rate is its Business Money Market Plus+ at 2.50% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Vacationland Federal Credit Union?
The highest Vacationland Federal Credit Union checking rate is its Business Checking Plus+ at 0.25% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Vacationland Federal Credit Union?
The lowest Vacationland Federal Credit Union credit card APR is its Visa Business Rewards Credit Card at 13.90% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Vacationland Federal Credit Union operate?
Vacationland 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 Vacationland Federal Credit Union?
Yes, to access services at Vacationland 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, Vacationland 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, Vacationland Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Vacationland Federal Credit Union offer online and mobile banking?
Most modern institutions like Vacationland 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://vlfcu.org.
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 Vacationland Federal Credit Union rates compare?
Vacationland Federal Credit Union's CD rates are 40% higher than the MonitorBankRates national average, and it has an A+ health rating. Vacationland Federal Credit Union's top rates are its Youth CDs - 12 month at 6.03% APY, its IRA Savings Accounts at 0.75% APY, its Business Money Market Plus+ at 2.50% APY, its Business Checking Plus+ at 0.25% APY, its Boats Loan at 8.07% APR and its Visa Business Rewards Credit Card at 13.90% APR, verified by MonitorBankRates on October 29, 2026.
Current Vacationland Federal Credit Union Rates
12-Month CD4.06%
18-Month CD4.30%
24-Month CD4.30%
60-Month CD3.40%
Savings0.75%
MMA2.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
