--- title: "Valdosta Teachers Credit Union Rates (Nov 2026): CDs to 3.43%" description: "Valdosta Teachers Credit Union rates today: savings & CDs up to 3.43% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Valdosta Teachers Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/georgia/valdosta-teachers" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Valdosta Teachers Credit Union Rates (Nov 2026): CDs to 3.43% ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **ARM** arm | — APR | 5.000% | — | Context only | | **1st Mortgages - Fixed** other | — APR | 5.000% | — | Context only | | **Mobile Homes Without Land** other | — APR | 7.990% | — | Context only | Valdosta Teachers Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Recreational Vehicles - Fixed** rv | — APR | 3.500% | — | Context only | | **Mobile Home - Fixed** auto | — APR | 5.000% | — | Context only | | **Travel Trailers - Adjustable** rv | — APR | 5.000% | — | Context only | | **New Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers (Current + prior year less than 20,000 miles)*** motorcycle_new_60mo | — APR | 5.250% | 60 mo · new | Context only | | **Used Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers (Current + prior year + 20,000 miles)* (2021-2019)** motorcycle_used_60mo | — APR | 6.000% | 60 mo · used | Context only | | **Used Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers* (2018-2014)** motorcycle_used_60mo | — APR | 8.000% | 60 mo · used | Context only | | **Used Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers (2013 and before)** motorcycle_used_36mo | — APR | 10.000% | 36 mo · used | Context only | Valdosta Teachers Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity - Adjustable** heloc_variable | — APR | 6.000% | — | Context only | Valdosta Teachers Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Household Goods, Lawn Mowers, Computers** personal | — APR | 7.000% | — | Context only | | **Overdraft Line of Credit** personal | — APR | 8.000% | — | Context only | | **Personal Line of Credit** ploc_variable | — APR | 8.000% | — | Context only | | **Personal Loan** personal | — APR | 9.000% | — | Context only | Valdosta Teachers Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 24 offers | Product | Published | Rate | Term / condition | Status | | **Advantage Share Draft Account** checking | 0.07% APY | 0.07% | — | Context only | | **Premier Advantage Share Draft Account** checking | 0.10% APY | 0.10% | — | Context only | | **Regular Share Account** share_savings | 0.25% APY | 0.25% | — | Context only | | **Christmas Account** savings | 0.25% APY | 0.25% | — | Context only | | **Money Market $1,000.00 - $2,499.99 $2,500.00 - $9,999.99 $10,000.00 - $24,999.99 $25,000.00 +** money_market | 0.35% APY | 0.35% | — | Context only | | **Traditional IRA Account/Roth IRA Account (2 years)** ira | 2.39% APY | 2.37% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | 2.39% APY | 2.37% | 24 mo | Standard | | **Traditional IRA Account/Roth IRA Account (4 years)** ira | 2.42% APY | 2.40% | 48 mo | Standard | | **48-Month Certificate** cd_48mo | 2.42% APY | 2.40% | 48 mo | Standard | | **Educational IRA Account (6 months)** ira | 2.47% APY | 2.46% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | 2.47% APY | 2.46% | 6 mo | Standard | | **36-Month Certificate** cd_36mo | 2.54% APY | 2.52% | 36 mo | Standard | | **Traditional IRA Account/Roth IRA Account (3 years)** ira | 2.54% APY | 2.52% | 36 mo | Standard | | **Educational IRA Account (3 year)** ira | 2.61% APY | 2.61% | 36 mo | Standard | | **36-Month Certificate** cd_36mo | 2.61% APY | 2.61% | 36 mo | Standard | | **60-Month Certificate** cd_60mo | 2.65% APY | 2.63% | 60 mo | Standard | | **Traditional IRA Account/Roth IRA Account (5 years)** ira | 2.65% APY | 2.63% | 60 mo | Standard | | **24-Month Certificate** cd_24mo | 2.71% APY | 2.71% | 24 mo | Standard | | **Educational IRA Account (2 year)** ira | 2.71% APY | 2.71% | 24 mo | Standard | | **12-Month Certificate** cd_12mo | 3.08% APY | 3.08% | 12 mo | Standard | | **Educational IRA Account (1 year)** ira | 3.08% APY | 3.08% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | 3.43% APY | 3.39% | 12 mo | Standard | | **Traditional IRA Account/Roth IRA Account (1 year)** ira | 3.43% APY | 3.39% | 12 mo | Standard | | **Share Covered** other | — APY | 4.00% | — | Context only | Valdosta Teachers Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unimproved Land** other | — % | 7.990% | — | Context only | Valdosta Teachers Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 3.43% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/georgia/valdosta-teachers) , verified from [Valdosta Teachers Credit Union's official website](https://www.valdostateachersfcu.org/) Loading branch locator… ## About Valdosta Teachers Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.4K Assets $13M Founded 1958 Locations reported 2 NCUA charter 12290 Charter type Federal credit union ### Services and member support - Electronic statements - Mobile check deposit - Financial counseling - Financial education - Payday Alternative Loans I - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Georgia Power Valdosta** Main Office · Valdosta · GA · 31601 About 3.8 miles away](https://rateapi.dev/credit-unions/georgia/georgia-power-valdosta) [**Locoga** Georgia Power Valdosta Federal Credit Union · Valdosta · GA · 31601-5166 About 3.8 miles away](https://rateapi.dev/credit-unions/georgia/locoga) [**First Commerce** Valdosta Mall Financial Center · Valdosta · GA · 31601-8448 About 4.8 miles away](https://rateapi.dev/credit-unions/florida/first-commerce) [**Southeastern** Baytree Rd Branch · Valdosta · GA · 31602 About 5.1 miles away](https://rateapi.dev/credit-unions/georgia/southeastern) [**Southern Pine** Main office · Valdosta · GA · 31601-0871 About 6.3 miles away](https://rateapi.dev/credit-unions/georgia/southern-pine) [**Madison Education Assoc.** Main Office · Madison · FL · 32340-2540 About 21.5 miles away](https://rateapi.dev/credit-unions/florida/madison-education-assoc) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Valdosta Teachers Credit Union Membership eligibility from Valdosta Teachers Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Valdosta Teachers Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Valdosta State University Verified from [Valdosta Teachers Credit Union's membership page](https://www.valdostateachersfcu.org/) . Final membership determination is always made by the credit union. ## Membership rules for Valdosta Teachers Credit Union Employers 1 published path to membership, last verified August 21, 2026, quoted from Valdosta Teachers Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Valdosta State University “Valdosta Teachers’ FCU happily welcomes Valdosta State University employees into our field of membership!” > [source ↗](https://www.valdostateachersfcu.org/) - Employee of Valdosta State University Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Valdosta Teachers Credit Union? Yes No ## Work at Valdosta Teachers Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Valdosta Teachers Credit Union ranks against Georgia peers. - See which AI assistants fetched Valdosta Teachers Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Georgia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=valdosta-teachers&state=georgia&code=GA&name=Valdosta%20Teachers%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Valdosta Teachers Credit Union offer? Valdosta Teachers Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Valdosta Teachers Credit Union rates updated? RateAPI verifies Valdosta Teachers Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Valdosta Teachers Credit Union's rate data? Rate data is collected directly from Valdosta Teachers Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Valdosta Teachers Credit Union's best CD rate? As of November 12, 2026, Valdosta Teachers Credit Union offers savings and certificate (CD) yields up to 3.43% APY. ### Who can join Valdosta Teachers Credit Union? Valdosta Teachers Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 employer for Valdosta Teachers Credit Union, each quoted from Valdosta Teachers Credit Union's own published membership criteria. ## Related Rate Data Compare Valdosta Teachers Credit Union's rates against national credit-union benchmarks. [More Georgia credit unions](https://rateapi.dev/credit-unions/georgia) [Georgia mortgage rate leaders](https://rateapi.dev/mortgage-rates/georgia) [Georgia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/georgia) [Georgia HELOC rate leaders](https://rateapi.dev/heloc-rates/georgia) [Georgia personal loan leaders](https://rateapi.dev/personal-loan-rates/georgia) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.valdostateachersfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Valdosta Teachers Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Georgia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Valdosta Teachers Credit Union curl "https://api.rateapi.dev/credit-unions/georgia /valdosta-teachers " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Valdosta Teachers Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/georgia/valdosta-teachers Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp