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Credit union · NCUA insured

Valdosta Teachers' FCU CD Rates

Valdosta Teachers' FCU’s best CD rate is 3.08% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.

How Valdosta Teachers' FCU’s CD rates compare

Compared with banks and credit unions near Valdosta, GA, where Valdosta Teachers' FCU has the most branches. $10,000, best rate first.

  • This credit union’s best

    Valdosta Teachers' FCU

    3.08%APY

    Term
    12 months
    Minimum
    $1,000
    Earns on $10,000
    $308

    Certificate Account

  • Top rate

    Southeastern Credit Union

    4.15%APY

    Term
    18 months
    Minimum
    $500
    Earns on $10,000
    $629

    Southeastern Credit Union rates

  • 2nd-highest rate

    Colony Bank

    4.05%APY

    Term
    11 months
    Minimum
    $500
    Earns on $10,000
    $371

    Colony Bank rates

Compare CD rates near you →

Valdosta Teachers' FCU CD score

66

CD score

Higher than 16% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo2.47%
  • 9–15 months9–15 mo3.08%
  • 16–30 months16–30 mo2.71%
  • 31–60 months31–60 mo2.61%
  • QualifiedQualified3.08%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Valdosta Teachers' FCU ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Who can join Valdosta Teachers' FCU

This may be incomplete or out of date, so check with the credit union before you apply.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.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
← Valdosta Teachers' FCU overview