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Walton County Teachers Federal Credit Union

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Walton County Teachers Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Walton County Teachers Federal 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 13, 2026

Walton County Teachers Federal Credit Union's top rates as of October 13, 2026 are personal loans from 9.00% APR, and credit cards from 9.00% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Walton County Teachers Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.83%. Rates last updated and verified on 10/13/2026.

Walton County 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 Walton County Teachers Federal Credit Union? Share your experience about Walton County Teachers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Walton County Teachers Federal 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

1.83%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Walton County Teachers Federal Credit Union
WALTON COUNTY TEACHERS FCU

WALTON COUNTY TEACHERS FCU
DEFUNIAK SPRINGS, FL 32433-1416

https://waltoncountyteachersfcu.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.

Walton County Teachers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos	-	-	4.00%
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.00% → 4.00% ▼ 0.00 pts · high 9.00% / low 4.00% Sep 29, 20264.00%▼ from 9.00% Sep 21, 20269.00%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
New or Used Auto Up to 10 years old	-	-	4.00%	Up to 66 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
New or Used Auto Up to 10 years old	-	-	4.50%	Up to 72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
New or Used Auto Up to 10 years old	-	-	5.00%	Up to 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Older Used Autos	-	-	5.25%	Up to 66 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
New or Used Auto Up to 10 years old	-	-	6.00%	Up to 96 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Antique Autos- 20 years or older	-	-	7.00%	Up to 66 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

Walton County Teachers Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New 4-wheelers, Jet Skis, Golf Carts, Mules. Loan	-	4.00%	Up to 66 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
New Motorcycle Loan	-	4.00%	Up to 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
0-1 year-old Boats Loan	-	4.50%	Up to 96 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
0-1 year-old Campers Loan	-	4.75%	Up to 96 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Used 4-wheelers, Jet Skis, Golf Carts, Mules. Loan	-	5.50%	Up to 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Used Boat Loan	-	5.50%	Up to 72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Used Camper Loan	-	5.75%	Up to 96 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Used Motorcycle Loan	-	6.00%	Up to 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

Walton County Teachers Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards require a 600 Beacon	-	9.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

Walton County Teachers Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.00%	Up to 60 months
Details up to $7.500.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Personal Loan with Collateral	10.00%	Up to 72 months
Details up to $15,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

Walton County Teachers Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
0-1 year-old Tractors, Horse trailers Loan	-	-	5.25%	Up to 96 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Lawn & Garden, Furniture, Generators Loan	-	-	5.50%	Up to 60 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Used Tractor, Horse Trailers Loan	-	-	5.75%	Up to 72 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Vacation, Christmas Loans- limit mthly pmt $150.00	-	-	8.00%	Up to 12 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

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

Walton County Teachers Federal Credit Union’s Texas Ratio fell from 3.52% in Q3 2023 to 1.83% in Q2 2026, so its financial health has improved and is now 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; 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)

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	$30M	1.83%	5.0	A+
March 31, 2026	$30M	1.77%	5.0	A+
December 31, 2025	$29M	4.08%	5.0	A+
September 30, 2025	$28M	5.75%	5.0	A+
June 30, 2025	$28M	3.32%	5.0	A+
March 31, 2025	$27M	3.14%	5.0	A+
December 31, 2024	$26M	1.21%	5.0	A+
September 30, 2024	$26M	11.78%	5.0	A
June 30, 2024	$26M	9.14%	5.0	A
March 31, 2024	$26M	0.98%	5.0	A+
December 31, 2023	$26M	9.42%	5.0	A
September 30, 2023	$27M	3.52%	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 Walton County 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 Walton County 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 Walton County Teachers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Walton County Teachers Federal Credit Union

Website https://waltoncountyteachersfcu.com

Address WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL 32433-1416

Phone 850-892-2024

Fax

President Dawn Manning

CEO Tracy Hall

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

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

1.83%

Return on Assets (ROA)

0.8316%

Return on Equity (ROE)

7.6387%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

30,135,985

Total Amount of Shares and Deposits

26,590,232

Total Shares and Deposits < 1 Year

26,590,232

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

305,957

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

305,957

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

26,284,275

Total Interest Expense (Sum of items 6 8)

65,439

Share Certificates

Number of Accounts for Share Drafts

1,836

Number of Accounts for Regular Shares

2,944

Money Market Shares

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)

8,995,417

Total Liabilities

26,857,397

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Walton County Teachers Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Walton County Teachers Federal Credit Union

How many branches does Walton County Teachers Federal Credit Union operate?

Walton County 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 Walton County Teachers Federal Credit Union?

Yes, to access services at Walton County 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, Walton County 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, Walton County Teachers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Walton County Teachers Federal Credit Union offer online and mobile banking?

Most modern institutions like Walton County 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://waltoncountyteachersfcu.com.