What are the current interest rates at Velocity Credit Union?

Current rates for Velocity Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 3.85%, 24-Month CD: 3.85%, 60-Month CD: 3.60%, Savings: 0.25%, MMA: 0.70%

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Velocity Credit Union

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Velocity Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Velocity Credit Union's top rates as of October 10, 2026 are 4.25% APY on its 1 Year IRA CD, 0.25% APY on savings, 0.70% APY on money market accounts, 2.25% APY on checking, personal loans from 10.74% APR, and credit cards from 11.00% APR, according to rates verified by MonitorBankRates. Other Velocity Credit Union CD rates include 18 Month IRA CD at 3.90%, 2 Year IRA CD at 3.90%, and 1 year 12 Month CD at 3.85%. 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 1.87%. Rates last updated and verified on 10/10/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.87%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Velocity Credit Union
Quarry Lake Business Center 1

4515 Seton Center Pkwy
Austin, TX 78759-5290

https://www.velocitycu.com

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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.

Velocity Credit Union CD Rates

Product	Rate	APY	Term
1 Year IRA Certificate	-	4.25%	1 year
Min Deposit $1,000 Details Dividends Pay & Compound: Quarterly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 10, 20264.25%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
18 Month IRA Certificate	-	3.90%	18 months
Min Deposit $1,000 Details Dividends Pay & Compound: Quarterly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80% Oct 10, 20263.90%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
2 Year IRA Certificate	-	3.90%	2 years
Min Deposit $1,000 Details Dividends Pay & Compound: Quarterly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80% Oct 10, 20263.90%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
1 year 12 Month Certificate	-	3.85%	1 year
Min Deposit $1,000 Details Dividends Pay & Compound: Quarterly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 10, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
18 Month Certificate	-	3.85%	18 months
Min Deposit $1,000 Details Dividends Pay & Compound: Quarterly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 10, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
2 Year Certificate	-	3.85%	2 years
Min Deposit $1,000 Details Dividends Pay & Compound: Quarterly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 10, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
9 Month Mini-Jumbo Certificate	-	3.80%	9 months
Min Deposit $20,000 Details Dividends Pay & Compound: Monthly Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Jumbo Share Certificate - 1 Year	-	3.80%	1 year
Min Deposit $90,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
9 Month Short Term Certificate	-	3.75%	9 months
Min Deposit $1,000 Details Dividends Pay & Compound: Monthly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60% Oct 10, 20263.75%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
3 Year IRA Certificate	-	3.70%	3 years
Min Deposit $1,000 Details Dividends Pay & Compound: Quarterly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65% Oct 10, 20263.70%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
4 Year IRA Certificate	-	3.70%	4 years
Min Deposit $1,000 Details Dividends Pay & Compound: Quarterly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65% Oct 10, 20263.70%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
6 Month Mini-Jumbo Certificate	-	3.70%	6 months
Min Deposit $20,000 Details Dividends Pay & Compound: Monthly Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Jumbo Share Certificate - 6 Month	-	3.70%	6 months
Min Deposit $90,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
3 Year Certificate	-	3.65%	3 years
Min Deposit $1,000 Details Dividends Pay & Compound: Quarterly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 10, 20263.65%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
30 Month Certificate	-	3.65%	30 months
Min Deposit $1,000 Details Dividends Pay & Compound: Quarterly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 10, 20263.65%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
4 Year Certificate	-	3.65%	4 years
Min Deposit $1,000 Details Dividends Pay & Compound: Quarterly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 10, 20263.65%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
5 Year IRA Certificate	-	3.65%	5 years
Min Deposit $1,000 Details Dividends Pay & Compound: Quarterly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 10, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
6 Month Short Term Certificate	-	3.65%	6 months
Min Deposit $1,000 Details Dividends Pay & Compound: Monthly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 10, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
5 Year Certificate	-	3.60%	5 years
Min Deposit $1,000 Details Dividends Pay & Compound: Quarterly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45% Oct 10, 20263.60%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
91 days 3 Month Mini-Jumbo Certificate	-	2.55%	91 days
Min Deposit $20,000 Details Dividends Pay & Compound: Monthly Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Jumbo Share Certificate - 3 Month	-	2.55%	3 months
Min Deposit $90,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
91 days 3 Month Short Term Certificate	-	2.50%	91 days
Min Deposit $1,000 Details Dividends Pay & Compound: Monthly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 2.50% ▲ 1.50 pts · high 2.50% / low 1.00% Oct 10, 20262.50%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Velocity Credit Union Savings Rates

Product	Rate	APY
Roth IRA Savings	-	0.25%
Min Balance $0 Details Balance: under $2,000.00; see IRA certificate rates below Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Roth IRA Savings	-	0.25%
Min Balance $2,000 Details Balance: $2,000.00 to $9,999.99; see IRA certificate rates below Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Roth IRA Savings	-	0.25%
Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99; see IRA certificate rates below Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Roth IRA Savings	-	0.25%
Min Balance $50,000 Details Balance: $50,000.00 and up; see IRA certificate rates below Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional IRA Savings	-	0.25%
Min Balance $0 Details Balance: under $2,000.00; see IRA certificate rates below Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional IRA Savings	-	0.25%
Min Balance $2,000 Details Balance: $2,000.00 to $9,999.99; see IRA certificate rates below Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional IRA Savings	-	0.25%
Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99; see IRA certificate rates below Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional IRA Savings	-	0.25%
Min Balance $50,000 Details Balance: $50,000.00 and up; see IRA certificate rates below Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Regular Share (Savings) Account	-	0.10%
Min Balance $100 Details Balance: $100.00 to $499.99** Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Regular Share (Savings) Account	-	0.10%
Min Balance $500 Details Balance: $500.00 to $1,499.99** Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Regular Share (Savings) Account	-	0.10%
Min Balance $1,500 Details Balance: $1,500.00 and up** Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Velocity Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	0.70%
Min Balance $90,000 Details Balance: $90,000.00 to $199,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market Account	-	0.70%
Min Balance $200,000 Details Balance: $200,000.00 and up Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market Account	-	0.60%
Min Balance $50,000 Details Balance: $50,000.00 to $89,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market Account	-	0.35%
Min Balance $2,000 Details Balance: $2,000.00 to $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Velocity Credit Union Checking Rates

Product	Rate	APY
Rewards Checking	-	2.25%
Min Balance $0 Details Balance: $0 to $15,000.00 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Rewards Checking	-	2.25%
Min Balance $15,000 Details Qualifications Required: 1,000+ electronic deposit monthly; 1,000+ card spend combined debit or credit purchases; eStatements enrollment; Balances over $15,000 earn 0.05% APY. $6 monthly fee waived with qualifying monthly activity. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Velocity Rewards Checking	-	2.25%
Min Balance $15,000 Details Qualifications Required: $1,000+ electronic deposit; $1,000+ combined card spend; enrolled in eStatements; Balances over $15,000 earn 0.05% APY. Qualifying monthly activity: $1,000+ electronic deposit, $1,000+ combined card spend, enrolled in eStatements. $6 monthly service fee waived with qualifying monthly activity. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Check Plus Checking	-	0.05%
Min Balance $750 Details Balance: $750.00 to $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Check Plus Checking	-	0.05%
Min Balance $5,000 Details Balance: $5,000.00 to $19,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Check Plus Checking	-	0.05%
Min Balance $20,000 Details Balance: $20,000.00 and up Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Regular Checking	-	0.05%
Min Balance $500 Details Balance: $500.00 and up** Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Rewards Checking	-	0.05%
Min Balance $15,000 Details Balance: $15,000.01 and up Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Velocity Credit Union Business Checking Rates

Product	Rate	APY	View More
Choice Business Checking	-	0.05%
Min Balance $15,000 Details Balance: $15,000.00 and up Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Velocity Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos	-	-	5.54%	Up to 66 months
Details As Low As; with Member Rewards Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used Autos	-	-	5.54%	Up to 66 months
Details As Low As; with Member Rewards Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used Autos	-	-	5.54%	Up to 54 months
Details As Low As; 6 to 7 year old models; with Member Rewards Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New Autos	-	-	5.74%	Over 67 to 75 months
Details As Low As; with Member Rewards Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used Autos	-	-	5.74%	67 to 75 months
Details As Low As; with Member Rewards Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used Autos	-	-	5.74%	55 to 60 months
Details As Low As; 6 to 7 year old models; with Member Rewards Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used Autos	-	-	5.74%	Up to 36 months
Details As Low As; 8 to 10 year old models; with Member Rewards Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New Autos	-	-	6.59%	Over 76 to 84 months
Details As Low As; with Member Rewards Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used Autos	-	-	6.59%	76 to 84 months
Details As Low As; with Member Rewards Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Velocity Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Platinum	-	11.00%
Details As Low As; Available Credit Limits: $1,000.00 to $25,000.00 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Oct 10, 202611.00%▲ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Velocity Mastercard Platinum	-	11.00%
Details Published APR range: 11.00% to 18.00%. Intro rate for first twelve months, not available on savings-secured cards. After intro period, APR for Velocity Mastercard Platinum will range from 11.00% to 18.00% APR based on credit score and the Prime Rate. Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Oct 10, 202611.00%▲ from 10.75% Sep 27, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Mastercard Classic Secured	-	14.99%
Details As Low As; Available Credit Limits: $500.00 to $5,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Mastercard Platinum Rewards	-	15.00%
Details As Low As; Available Credit Limits: $1,000.00 to $25,000.00 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 10, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Velocity Mastercard Platinum Rewards	-	15.00%
Details Published APR range: 15.00% to 18.00%. Intro rate for first twelve months, not available on savings-secured cards. After intro period, APR for Velocity Mastercard Platinum Rewards will range from 15.00% to 18.00% based on credit score and the Prime Rate. Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 10, 202615.00%▲ from 14.75% Sep 27, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Velocity Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.74%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Velocity Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Line of Credit	-	-	11.49%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Velocity Credit Union’s Texas Ratio fell from 2.82% in Q3 2023 to 1.87% 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	$1.1B	1.87%	5.0	A+
March 31, 2026	$1.1B	2.15%	5.0	A+
December 31, 2025	$1.1B	3.20%	5.0	A+
September 30, 2025	$1.0B	2.73%	5.0	A+
June 30, 2025	$1.0B	3.13%	5.0	A+
March 31, 2025	$1.0B	3.33%	5.0	A+
December 31, 2024	$1.0B	4.28%	5.0	A+
September 30, 2024	$1.0B	4.55%	5.0	A+
June 30, 2024	$1.0B	4.38%	5.0	A+
March 31, 2024	$1.0B	3.32%	5.0	A+
December 31, 2023	$1.0B	3.73%	5.0	A+
September 30, 2023	$995M	2.82%	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 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 196

Part-Time Employees 9

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.87%

Return on Assets (ROA)

0.0482%

Return on Equity (ROE)

0.3449%

Non-Performing Loans Ratio (NPL)

0.57%

Total Assets

1,089,910,478

Total Amount of Shares and Deposits

872,352,142

Total Shares and Deposits < 1 Year

847,463,225

Total Shares and Deposits 1 3 Years

20,770,064

Total Shares and Deposits > 3 Years

4,118,853

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

61,834,753

Total Uninsured Shares and Deposits > $250K (F+J)

61,834,753

Total Insured Shares and Deposits > $250K (item 17 less item K)

810,517,389

Total Interest Expense (Sum of items 6 8)

5,548,669

Share Certificates

3,362

Number of Accounts for Share Drafts

35,858

IRA KEOGH Accounts

2,313

Number of Accounts for Regular Shares

74,209

Money Market Shares

4,460

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)

119,051,628

Total Liabilities

948,635,963

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Velocity Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Velocity Credit Union

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

12-Month CD3.80%
18-Month CD3.85%
24-Month CD3.85%
60-Month CD3.60%
Savings0.25%
MMA0.70%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Velocity Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Velocity Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Velocity Credit Union

How many branches does Velocity Credit Union operate?

Is a member application needed to join Velocity Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Velocity Credit Union offer online and mobile banking?

Current Velocity Credit Union Rates

Compare to Other Credit Unions