Valdosta Teachers Federal Credit Union


Overview / Commentary
229-247-9930
102 E. Force Street
Valdosta, GA 31601

Valdosta Teachers Federal Credit Union is headquartered in Valdosta and is the 54th largest credit union in the state of Georgia. It is also the 3,498th largest credit union in the nation. It was established in 1958 and as of March of 2025, it had grown to 6 employees and 2,326 members at 1 location. Valdosta Teachers Federal Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership to Valdosta Teachers Federal Credit Union is open to employees of Brooks County Schools who work in, or are paid or supervised from Quitman, Wiregrass who work in Valdosta, South Georgia Regional Library who work in or are paid from Valdosta, Laws Magnolia Furniture Gallery who work, are paid from or supervised from Valdosta, Laws Furniture Central who work in, are paid from or supervised from Valdosta, Macvestment, Inc., South Georgia Regional Library, Allen Statenville Library, Miller Lakeland Library, Johnston Lakes Library, Slater Hahira Library, McMullen Southside Library, Valdosta City Schools, Pinevale Learning Center, Brooks County Board of Education, Valdosta Board of Education and students of Valdosta High School or students within the city of Valdosta.
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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Valdosta Teachers Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #12290
Year Chartered1958
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD3.77%
Annual Interest Income$173K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$12.6MM$11.6MM
LoansQ1 2025vs Q1 2024$5.8MM$5.7MM
DepositsQ1 2025vs Q1 2024$10.8MM$10MM
Equity CapitalQ1 2025vs Q1 2024$1.6MM$1.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$101K$90K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4K$89K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Valdosta Teachers Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Valdosta Teachers Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-Regular Share Account
0.25%$10-Youth Share Account
0.25%$15-Teen Share Account
0.25%$0-Christmas Account
0.25%$0-Vacation Account

Valdosta Teachers Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$25k*-Money Market Account
OTHER TIERS: 0.35% $1k - $2.5k | 0.55% $2.5k - $10k | 0.65% $10k - $25k

Valdosta Teachers Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$750-Premier Advantage Share Draft Account
0.07%$350-Advantage Share Draft Account

Valdosta Teachers Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.37%$1k-1 Year CD
2.37%$500-1 Year CU 101 CD
2.24%$1k-2 Year CD
2.24%$500-2 Year CU 101 CD
2.15%$1k-3 Year CD
2.15%$500-3 Year CU 101 CD
1.60%$1k-6 Month CD
1.60%$500-6 Month CU 101 CD

Valdosta Teachers Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.26%$250-1 Year Traditional IRA
2.26%$250-1 Year Educational IRA
2.20%$250-2 Year Traditional IRA
2.20%$250-2 Year Educational IRA
2.13%$250-3 Year Traditional IRA
2.13%$250-3 Year Educational IRA
2.07%$250-5 Year Traditional IRA
2.07%$250-5 Year Educational IRA
2.01%$250-4 Year Traditional IRA
2.01%$250-4 Year Educational IRA
Locations


Valdosta Teachers Federal Credit Union Locations
Branch Office102 E Force StValdosta, GA 31601-3904

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