--- title: "Victoria Credit Union Rates (Nov 2026): CDs to 3.65%" description: "Victoria Credit Union rates today: savings & CDs up to 3.65% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Victoria Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/victoria" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Victoria Credit Union Rates (Nov 2026): CDs to 3.65% ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Vehicles/Motorcycless** motorcycle_any_78mo | — APR | 4.880% | 78 mo · any | Standard | | **New & Used RV/Marine** rv_any_84mo | — APR | 6.580% | 84 mo · any | Standard | | **Pre-Owned RV/Marine (7+y/o)** rv_used_72mo | — APR | 8.580% | 72 mo · used | Standard | Victoria Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Share Secured Savings** personal_secured_120mo | — APR | 2.500% | 120 mo | Standard | | **Christmas Loan (Oct-Dec)** personal_unsecured_12mo | — APR | 8.580% | 12 mo | Standard | | **48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 9.580% | 48 mo | Standard | | **12-Month Credit Builder Loan** personal_unsecured_12mo | — APR | 18.000% | 12 mo | Standard | Victoria Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 14 offers | Product | Published | Rate | Term / condition | Status | | **Regular Share/Savings** savings | 0.05% APY | 0.05% | — | Standard | | **Checking** checking | 0.08% APY | 0.08% | — | Standard | | **Certificates ($1K- $9,999.99)** cd_6mo | 3.11% APY | 3.06% | 6 mo | Standard | | **Certificates ($1K- $9,999.99)** cd_24mo | 3.12% APY | 3.07% | 24 mo | Standard | | **Certificates ($1K- $9,999.99)** cd_60mo | 3.19% APY | 3.14% | 60 mo | Standard | | **Certificates ($10K- $99,999.99)** cd_6mo | 3.21% APY | 3.16% | 6 mo | Standard | | **Certificates ($10K- $99,999.99)** cd_24mo | 3.22% APY | 3.17% | 24 mo | Standard | | **Certificates ($10K- $99,999.99)** cd_60mo | 3.29% APY | 3.24% | 60 mo | Standard | | **Certificates ($100K- $245K)** cd_6mo | 3.33% APY | 3.28% | 6 mo | Standard | | **Certificates ($100K- $245K)** cd_24mo | 3.35% APY | 3.29% | 24 mo | Standard | | **Certificates ($100K- $245K)** cd_60mo | 3.41% APY | 3.36% | 60 mo | Standard | | **Certificates ($1K- $9,999.99)** cd_12mo | 3.42% APY | 3.37% | 12 mo | Standard | | **Certificates ($10K- $99,999.99)** cd_12mo | 3.53% APY | 3.47% | 12 mo | Standard | | **Certificates ($100K- $245K)** cd_12mo | 3.65% APY | 3.59% | 12 mo | Standard | Victoria Credit Union savings & cd rates as of November 12, 2026 ### Other rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Other Titles** other | — % | 8.320% | — | Standard | | **Fresh Start Loan (Jan-Mar)** other | — % | 8.580% | — | Standard | | **Back to School Loan (Jul-Sep)** other | — % | 8.580% | — | Standard | | **Pre-Owned Other Titles (7+y/o)** other | — % | 10.320% | — | Standard | Victoria Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 3.65% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/victoria) , verified from [Victoria Credit Union's official website](https://www.myvtfcu.com/) Loading branch locator… ## About Victoria Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.2K Assets $8.8M Founded 1940 Locations reported 1 NCUA charter 3736 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Financial counseling - Financial education - Payday Alternative Loans I 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. [**Cal-Com** Cal-Com Federal Credit Union · Victoria · TX · 77901 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/cal-com) [**Texas Dow Employees** TDECU-Victoria Rio Grande · Victoria · TX · 77901 About 0.2 miles away](https://rateapi.dev/credit-unions/texas/texas-dow-employees) [**Jackson County** Victoria Teachers FCU · Victoria · TX · 77901-7363 About 0.3 miles away](https://rateapi.dev/credit-unions/texas/jackson-county) [**Victoria Teachers** Office · Victoria · TX · 77901-7363 About 0.3 miles away](https://rateapi.dev/credit-unions/texas/victoria-teachers) [**Port of Houston Warehouse** Victoria City-County Emp FCU · Victoria · TX · 77901 About 1.3 miles away](https://rateapi.dev/credit-unions/texas/port-of-houston-warehouse) [**Victoria City-County Employees** Victoria City-County EFCU · Victoria · TX · 77901 About 1.3 miles away](https://rateapi.dev/credit-unions/texas/victoria-city-county-employees) 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 Victoria Credit Union Membership eligibility from Victoria Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (Victoria Independent School District +10 more) - Employer Victoria Independent School District, St. Joseph High School, Trinity Episcopal School, Northside Baptist School, Faith Academy, Victoria College, Region 3 Employees, Nazareth Academy, Bloomington Independent School District, Our Lady Of Victory, Nursery ISD **Cost to join:** About $25. Verified from [Victoria Credit Union's membership page](https://www.myvtfcu.com/how-to-join) . Final membership determination is always made by the credit union. ## Membership rules for Victoria Credit Union Geography 1 county · Employers 7 · Schools · Family 10 published paths to membership, last verified August 21, 2026, quoted from Victoria Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 20, 2026 - Victoria County, TX “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Victoria County, TX” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 7 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Victoria Independent School District “Membership is open to the employees of the following schools in Victoria, TX: Victoria Independent School District” > [source ↗](https://www.myvtfcu.com/how-to-join) - Employee of Victoria Independent School District - Employee of Victoria College “Victoria College (Employees & Students)” > [source ↗](https://www.myvtfcu.com/how-to-join) - Employee of Victoria College - Employee of Region 3 “Region 3 Employees” > [source ↗](https://www.myvtfcu.com/how-to-join) - Employee of Region 3 - Employee of Nazareth Academy “Nazareth Academy” > [source ↗](https://www.myvtfcu.com/how-to-join) - Employee of Nazareth Academy - Employee of Bloomington Independent School District “Bloomington Independent School District” > [source ↗](https://www.myvtfcu.com/how-to-join) - Employee of Bloomington Independent School District - Employee of Our Lady Of Victory “Our Lady Of Victory” > [source ↗](https://www.myvtfcu.com/how-to-join) - Employee of Our Lady Of Victory - Employee of Nursery ISD “Nursery ISD” > [source ↗](https://www.myvtfcu.com/how-to-join) - Employee of Nursery ISD ### Schools 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Victoria College (as written on the source page) “Victoria College (Employees & Students)” > [source ↗](https://www.myvtfcu.com/how-to-join) - Student at Victoria College ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Remember: Once you’re a member, your family can join as well!” > [source ↗](https://www.myvtfcu.com/how-to-join) - Family member of a member 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 Victoria Credit Union? Yes No ## Work at Victoria 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 Victoria Credit Union ranks against Texas peers. - See which AI assistants fetched Victoria Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=victoria&state=texas&code=TX&name=Victoria%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Victoria Credit Union offer? Victoria Credit Union currently offers vehicle loan, 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 Victoria Credit Union rates updated? RateAPI verifies Victoria 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 Victoria Credit Union's rate data? Rate data is collected directly from Victoria 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 Victoria Credit Union's best CD rate? As of November 12, 2026, Victoria Credit Union offers savings and certificate (CD) yields up to 3.65% APY. ### Who can join Victoria Credit Union? Membership via employers (Victoria Independent School District +10 more) RateAPI tracks 10 published membership paths covering 1 county, 7 employers and 1 school for Victoria Credit Union, each quoted from Victoria Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Victoria Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [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.myvtfcu.com/) ### 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 Victoria Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas 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 Victoria Credit Union curl "https://api.rateapi.dev/credit-unions/texas /victoria " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Victoria Credit Union locations Search, filter, and browse all 1 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/texas/victoria Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp