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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.
 Velocity Credit Union Rates & Review March 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: March 22, 2026
Velocity Credit Union's 1 Year IRA CD rates are at 4.00%, 1 One-Year IRA CD rates are at 4.00%, 1 Year Jumbo CDs rates are at 3.80%, 9 Month Mini-Jumbo CD rates are at 3.80%, 1 year 12 Month CD rates are at 3.75%. Velocity Credit Union's savings rates are at 0.00%. Velocity Credit Union's money market rates are at 0.35%. Velocity Credit Union's Personal Loan Rates are at 10.74%. MonitorBankRates evaluates the financial stability of Velocity Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.01%. Rates were last updated on 03/22/2026. Velocity 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 Velocity Credit Union? Share your experience about Velocity Credit Union by leaving a review below, or read customer reviews before you decide to use Velocity Credit Union. Velocity Credit Union
Quarry Lake Business Center 1 4515 Seton Center Pkwy
https://www.velocitycu.com Austin, TX 78759 5290 
Velocity Credit Union CD Rates
Velocity Credit Union Savings Rates
Velocity Credit Union Money Market Rates
Velocity Credit Union Checking Rates
Velocity Credit Union Home Equity & HELOC
Velocity Credit Union Credit Card Rates
Velocity Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Velocity 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 Velocity 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 Velocity Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Velocity Credit Union
Website
https://www.velocitycu.com
Address
4515 Seton Center Pkwy,
Austin, TX 78759 5290
Phone
512-469-7000
Fax
President
Kasha Bartholomew
CEO
Debbie Mitchell
Full-Time Employees
197
Part-Time Employees
10
Branch Locations
7
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.01%
Return on Assets (ROA)
0.0720%
Return on Equity (ROE)
0.4981%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
1,048,219,456
Total Amount of Shares and Deposits
844,808,768
Total Shares and Deposits < 1 Year
817,182,715
Total Shares and Deposits 1 3 Years
22,549,027
Total Shares and Deposits > 3 Years
5,077,025
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
59,193,867
Total Uninsured Shares and Deposits > $250K (F+J)
59,193,867
Total Insured Shares and Deposits > $250K (item 17 less item K)
785,614,901
Total Interest Expense (Sum of items 6 8)
8,674,266
Share Certificates
3,181
Number of Accounts for Share Drafts
36,118
IRA KEOGH Accounts
2,348
Number of Accounts for Regular Shares
76,828
Money Market Shares
4,534
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
141,008,001
Total Liabilities
907,538,331
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Velocity Credit UnionIs Velocity Credit Union a safe place to deposit money?Yes, Velocity Credit Union is considered a safe financial institution. With a Texas Ratio of 3.0100203973028%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Velocity Credit Union operate?Velocity 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 Velocity Credit Union?Yes, to access services at Velocity 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, Velocity 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, Velocity Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Velocity Credit Union offer online and mobile banking?Most modern institutions like Velocity 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.velocitycu.com. Current Velocity Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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