|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Valdosta Teachers Federal Credit Union Rates & Review November 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 29, 2026
Valdosta Teachers Federal Credit Union's 1 Year CD Account rates are at 3.08%, 1 Year CU 101 CD rates are at 3.08%, 2 Year CD Account rates are at 2.71%, 2 Year CU 101 CD rates are at 2.71%, 3 Year CD Account rates are at 2.61%. Valdosta Teachers Federal Credit Union's money market rates are at 0.75%. Valdosta Teachers Federal Credit Union's checking rates are as high as 0.10%. Valdosta Teachers Federal Credit Union's Personal Loan Rates are as low as 8.00%. Valdosta Teachers Federal Credit Union's top CD rate of 3.08% APY on a 12 month CD is 2% higher than the MonitorBankRates national average for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Valdosta Teachers Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.87%. Rates last updated and verified on 10/29/2026. Valdosta Teachers 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 Valdosta Teachers Federal Credit Union? Share your experience about Valdosta Teachers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Valdosta Teachers Federal Credit Union. Valdosta Teachers Federal Credit Union
MAIN OFFICE 102 E Force St
https://www.valdostateachersfcu.org Valdosta, GA 31601-3904  Customer Reviews
Be the first to review
Write a Review
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. Valdosta Teachers Federal Credit Union CD Rates
Valdosta Teachers Federal Credit Union Savings Rates
Valdosta Teachers Federal Credit Union Money Market Rates
Valdosta Teachers Federal Credit Union Checking Rates
Valdosta Teachers Federal Credit Union Home Equity & HELOC
Valdosta Teachers Federal Credit Union Auto Loan Rates
Valdosta Teachers Federal Credit Union RV, Boat and Powersport Loan Rates
Valdosta Teachers Federal Credit Union Personal Loan Rates
Valdosta Teachers Federal Credit Union Other Rates
Financial Health HistoryValdosta Teachers Federal Credit Union’s Texas Ratio rose from 0.98% in Q3 2023 to 6.87% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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)
Powered by
MonitorBankRates
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 Valdosta Teachers 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 Valdosta Teachers 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 Valdosta Teachers Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Valdosta Teachers Federal Credit Union
Address
102 E Force St,
Valdosta, GA 31601-3904
Phone
229-247-9930
Fax
229-247-1949
President
Reginald Mitchell
CEO
Katy Houston
Full-Time Employees
6
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.87%
Return on Assets (ROA)
0.1526%
Return on Equity (ROE)
1.1380%
Non-Performing Loans Ratio (NPL)
2.29%
Total Assets
13,199,613
Total Amount of Shares and Deposits
11,331,928
Total Shares and Deposits < 1 Year
11,286,463
Total Shares and Deposits 1 3 Years
40,761
Total Shares and Deposits > 3 Years
4,704
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
111,780
Total Uninsured Shares and Deposits > $250K (F+J)
111,780
Total Insured Shares and Deposits > $250K (item 17 less item K)
11,220,148
Total Interest Expense (Sum of items 6 8)
22,645
Share Certificates
21
Number of Accounts for Share Drafts
942
IRA KEOGH Accounts
19
Number of Accounts for Regular Shares
2,924
All other shares
2
Non Member Deposits
1
Money Market Shares
79
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)
679,591
Total Liabilities
11,429,682
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Valdosta Teachers Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Valdosta Teachers Federal Credit Union
Frequently Asked Questions About Valdosta Teachers Federal Credit UnionDoes Valdosta Teachers Federal Credit Union offer CDs?Yes. Valdosta Teachers Federal Credit Union current CD rates include its 1 Year CD Account at 3.08% APY, its 1 Year CU 101 CD at 3.08% APY and its 2 Year CD Account at 2.71% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Valdosta Teachers Federal Credit Union NCUA insured?Yes. Valdosta Teachers 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 Valdosta Teachers Federal Credit Union?The highest Valdosta Teachers Federal Credit Union CD rate is its Traditional IRA Account/Roth IRA Account - 1 year CD at 3.43% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Valdosta Teachers Federal Credit Union offer?Valdosta Teachers Federal Credit Union CD rates are 3.08% APY for a 12 month CD, 2.71% APY for a 2 year CD, 2.61% APY for a 3 year CD and 2.65% 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 Valdosta Teachers Federal Credit Union for its full lineup. What is the highest money market rate at Valdosta Teachers Federal Credit Union?The highest Valdosta Teachers Federal Credit Union money market rate is its Money Market at 0.75% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Valdosta Teachers Federal Credit Union?The lowest Valdosta Teachers Federal Credit Union auto loan rate is its Recreational Vehicles - Fixed at 3.50% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Valdosta Teachers Federal Credit Union?The lowest Valdosta Teachers Federal Credit Union personal loan rate is its Personal (Line of Credit) at 8.00% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Valdosta Teachers Federal Credit Union operate?Valdosta Teachers 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 Valdosta Teachers Federal Credit Union?Yes, to access services at Valdosta Teachers 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, Valdosta Teachers 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, Valdosta Teachers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Valdosta Teachers Federal Credit Union offer online and mobile banking?Most modern institutions like Valdosta Teachers 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.valdostateachersfcu.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 Valdosta Teachers Federal Credit Union rates compare?Valdosta Teachers Federal Credit Union's top CD rate of 3.08% APY on a 12 month CD is 2% higher than the MonitorBankRates national average for that term, and it has an A health rating. Valdosta Teachers Federal Credit Union's top rates are its Traditional IRA Account/Roth IRA Account - 1 year CD at 3.43% APY, its Money Market at 0.75% APY, its Premier Advantage Share Draft Account at 0.10% APY and its Personal (Line of Credit) at 8.00% APR, verified by MonitorBankRates on October 29, 2026. Current Valdosta Teachers Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Kan Colo Credit Union
UHS Employees Federal Credit Union
Success Federal Credit Union
Emerald Credit Association Federal Credit Union
Quantum Credit Union
600 Atlantic Federal Credit Union
Mississippi Public Employees Credit Union
Bayer Heritage Federal Credit Union
Nueces Credit Union
On the Grid Financial Federal Credit Union
DuPage Credit Union
Bayou Community Credit Union
Appalachian Community Federal Credit Union
Houston Belt and Terminal Federal Credit Union
THP Federal Credit Union
NuMark Credit Union
IH Mississippi Valley Credit Union
Your Best Credit Union
Northeast Schools And Hospital Credit Union
SRI Federal Credit Union
Franklin Regional Schools Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
