Valdosta Teachers Credit Union

Valdosta, Georgia
Last verified: August 4, 2026
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Verified rate book

Current Valdosta Teachers Credit Union rates

41 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

3 offers
Valdosta Teachers Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
ARMarm5.000% APR5.000%—Standard
1st Mortgages - Fixedother5.000% APR5.000%—Standard
Mobile Homes Without Landother7.990% APR7.990%—Standard

Auto & vehicle rates

8 offers
Valdosta Teachers Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Recreational Vehicles - Fixedrv3.500% APR3.500%—Standard
Travel Trailers - Fixedrv5.000% APR5.000%—Standard
Mobile Home - Fixedauto5.000% APR5.000%—Standard
Travel Trailers - Adjustablerv_any_6mo5.000% APR5.000%6 moStandard
New Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers (Current + prior year less than 20,000 miles)*motorcycle_new_60mo5.250% APR5.250%60 mo · newStandard
Used Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers (Current + prior year + 20,000 miles)* (2021-2019)motorcycle_used_60mo6.000% APR6.000%60 mo · usedStandard
Used Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers* (2018-2014)motorcycle_used_60mo8.000% APR8.000%60 mo · usedStandard
Used Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers (2013 and before)motorcycle_used_36mo10.000% APR10.000%36 mo · usedStandard

HELOC rates

1 offer
Valdosta Teachers Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity - Adjustableheloc_variable6.000% APR6.000%—Standard

Personal loan rates

4 offers
Valdosta Teachers Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Household Goods, Lawn Mowers, Computerspersonal7.000% APR7.000%—Standard
Overdraft Line of Creditpersonal8.000% APR8.000%—Standard
Personal Line of Creditploc_variable8.000% APR8.000%—Standard
Personal Loanpersonal9.000% APR9.000%—Standard

Savings & CD rates

24 offers
Valdosta Teachers Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Advantage Share Draft Accountsavings0.07% APY0.07%—Standard
Premier Advantage Share Draft Accountsavings0.10% APY0.10%—Standard
Christmas Accountsavings0.25% APY0.25%—Standard
Regular Share Accountshare_savings0.25% APY0.25%—Standard
Money Market $1,000.00 - $2,499.99 $2,500.00 - $9,999.99 $10,000.00 - $24,999.99 $25,000.00 +money_market0.35% APY0.35%—Standard
Educational IRA Account (6 months)ira2.05% APY2.05%6 moStandard
6-Month Certificatecd_6mo2.05% APY2.05%6 moStandard
24-Month Certificatecd_24mo2.16% APY2.15%24 moStandard
Traditional IRA Account/Roth IRA Account (2 years)ira2.16% APY2.15%24 moStandard
48-Month Certificatecd_48mo2.22% APY2.21%48 moStandard
Traditional IRA Account/Roth IRA Account (4 years)ira2.22% APY2.21%48 moStandard
12-Month Certificatecd_12mo2.28% APY2.26%12 moStandard
Traditional IRA Account/Roth IRA Account (1 year)ira2.28% APY2.26%12 moStandard
36-Month Certificatecd_36mo2.40% APY2.38%36 moStandard
Traditional IRA Account/Roth IRA Account (3 years)ira2.40% APY2.38%36 moStandard
Educational IRA Account (2 year)ira2.41% APY2.41%24 moStandard
24-Month Certificatecd_24mo2.41% APY2.41%24 moStandard
36-Month Certificatecd_36mo2.48% APY2.48%36 moStandard
Educational IRA Account (3 year)ira2.48% APY2.48%36 moStandard
Educational IRA Account (1 year)ira2.55% APY2.55%12 moStandard
12-Month Certificatecd_12mo2.55% APY2.55%12 moStandard
60-Month Certificatecd_60mo2.61% APY2.59%60 moStandard
Traditional IRA Account/Roth IRA Account (5 years)ira2.61% APY2.59%60 moStandard
Share Coveredother4.00% APY4.00%—Standard

Other rates

1 offer
Valdosta Teachers Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Unimproved Landother8.000% %7.990%—Standard

As of August 4, 2026, Valdosta Teachers Credit Union offers a arm mortgage at 5% APR. Vehicle loans available from 3.5% APR. HELOC rates from 6% APR. Personal loan rates from 7% APR. Savings and certificate yields up to 4.00% APY.

Source: RateAPI.dev, verified from Valdosta Teachers Credit Union's official website

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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. 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.

First CommerceValdosta Mall Financial Center · Valdosta · GA · 31601-8448Branch in the same ZIPGeorgia Power ValdostaMain Office · Valdosta · GA · 31601Branch in the same ZIPLocogaMain · Valdosta · GA · 31601-3581Branch in the same ZIPSouthern PineMain office · Valdosta · GA · 31601-0871Branch in the same ZIPSoutheasternHeadquarters and Main Branch · Valdosta · GA · 31602-1068About 6.4 miles awayBlue CoastBCFCU-Mad · Madison · FL · 32340About 23.4 miles away

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.

Membership via employers (Brooks County Schools +7 more)

  • EmployerBrooks County Schools, Valdosta Board of Education, Wiregrass Georgia Technical College, South Georgia Regional Library system, Laws Furniture Central, Magnolia Furniture Gallery, Scintilla Charter Academy, Valdosta State University

Verified from Valdosta Teachers Credit Union's membership page. Final membership determination is always made by the credit union.

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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 August 4, 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 August 4, 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 mortgage rate?

As of August 4, 2026, Valdosta Teachers Credit Union offers a arm mortgage at 5% APR.

What are Valdosta Teachers Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, Valdosta Teachers Credit Union offers vehicle loans from 3.5% APR.

What is Valdosta Teachers Credit Union's HELOC rate?

As of August 4, 2026, Valdosta Teachers Credit Union offers home equity lines of credit from 6% APR.

What is Valdosta Teachers Credit Union's personal loan rate?

As of August 4, 2026, Valdosta Teachers Credit Union offers personal loans from 7% APR.

What is Valdosta Teachers Credit Union's best CD rate?

As of August 4, 2026, Valdosta Teachers Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

Compare Valdosta Teachers Credit Union's rates against national credit-union benchmarks.

More Georgia credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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# Get rates for Valdosta Teachers Credit Union
curl "https://api.rateapi.dev/credit-unions/georgia/valdosta-teachers" \
  -H "Authorization: Bearer YOUR_API_KEY"
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