Valdosta Teachers


102 E. Force Street
Valdosta, GA 31601
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Valdosta Teachers is an NCUA insured institution located in Valdosta, GA. It was founded in 1958 and has approximately $10.35 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 12290
Date Established 1958
Assets $10.35 million
Loans $4.24 million
Deposits $8.84 million
Capital $1.42 million

Deposit Rates - June 18, 2021

Your Current Location: Connecticut, CT 06828

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Loan Rates - June 18, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for VALDOSTA TEACHERS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.779% 2.750% 0.38 $952 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
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Intro APR
1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Financial Details

Valdosta Teachers Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Valdosta Teachers. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Valdosta Teachers U.S. Average
3.29% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Valdosta Teachers had $41,678 in non-current loans and $7,175 in owned assets. To cover these potential losses it had $1,424,953 in net worth and $57,932 in loans loss reserves. That gives it a Texas Ratio of 3.29%.

Net Worth
Valdosta Teachers U.S. Average
13.76% 12.67%

Valdosta Teachers FCU has a net worth of 13.76% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Valdosta Teachers

Branches and Savings

What is Valdosta Teachers?

A federal credit union, registered with the NCUA under certificate #12290.
Learn more about credit unions here.

Is Valdosta Teachers FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Valdosta Teachers is insured by the NCUA.

Who can join Valdosta Teachers?

Please see Field of Membership information above for information on who is eligible to join.

What are Valdosta Teachers's share account and share certificate rates?

Valdosta Teachers's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Valdosta Teachers?

Valdosta Teachers has total capital of $1.42 million. Full information on Valdosta Teachers's financial position is located above.

Who owns Valdosta Teachers?

Credit Unions are owned by their members.

Where are Valdosta Teachers branches located?

See branch locations nearby.

Are Valdosta Teachers ATMs Open 24/7?

Do Valdosta Teachers ATMs accept cash deposits?

Can Valdosta Teachers customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Valdosta Teachers have a mobile app?

Does Valdosta Teachers have mobile deposit?

Does Valdosta Teachers have quick pay?

How can Valdosta Teachers transfer money to other banks or credit unions?

Does Valdosta Teachers report to credit bureaus?

Does Valdosta Teachers use Chexsystems?

Does Valdosta Teachers use Equifax?

What is Valdosta Teachers's toll free phone number?

What is Valdosta Teachers's ACH Routing Number?

What is Valdosta Teachers's SWIFT code?

Where can I find Valdosta Teachers's wire transfer form?

What is the Valdosta Teachers address for deposits?

What Products Does Valdosta Teachers Offer

Does Valdosta Teachers offer mortgages?

Compare mortgage rates here.

Does Valdosta Teachers offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Valdosta Teachers offer auto and RV loans?

Compare auto loan rates here.

Does Valdosta Teachers offer student loans or personal loans?

Compare personal loan rates here.

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