Credit union · NCUA insured
Valdosta Teachers' FCU
A $13M credit union headquartered in Valdosta, GA, with 2,355 members and 1 branch in Georgia. Best rates: CDs 3.08% and savings 0.65% APY.
Valdosta Teachers' FCU Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#3 of 9 in Valdosta, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Valdosta Teachers' FCU
Valdosta Teachers' Federal Credit Union is a member-owned financial cooperative headquartered in Valdosta, Georgia.
- Headquarters
- 102 E Force St, Valdosta, GA 31601-3904
- NCUA charter
- 12290
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Laws Furniture Central who work in, are paid from, or are supervised from Valdosta are eligible for membership.
- Employees of Magnolia Furniture Gallery who work, are paid from, or are supervised from Valdosta are eligible for membership.
Military, government and schools
- Students attending Valdosta High School / students in Valdosta, GA are eligible for membership.
- Employees of Valdosta State University who work in, or are paid or supervised from Valdosta, GA are eligible for membership.
- Employees of Brooks County Schools who work in, or are paid or supervised from Quitman, GA are eligible for membership.
- Employees and members of Valdosta Board of Education who work in Valdosta are eligible for membership.
5 more ways to join
Military, government and schools
- Employees of Wiregrass Georgia Technical College are eligible for membership.
- Employees of South Georgia Regional Library system are eligible for membership.
- Individuals associated with North Brooks County High Schools to North Brooks County Elementary School are eligible for membership.
- Employees and members of the Board of Directors for Scintilla Charter Academy are eligible for membership.
Family and household
- Immediate family members of eligible employees or members are eligible for membership.
Cost to join
- Joining requires completing a membership card and making an opening deposit of at least $25 to a share/savings account.
Branches
1 branch in Georgia
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Georgia
1 branch
- Main OfficeMain office102 E Force St, Valdosta, GA 31601Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.41% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.29% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.31% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $50 | $59 | — |
- CapitalNet worth ratio13.41%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.29%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.31%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$50Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Valdosta Teachers' FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.