Credit union · NCUA insured
Valdosta Teachers' FCU Savings Rates
Valdosta Teachers' FCU’s best savings rate is 0.65% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Valdosta Teachers' FCU’s savings 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
0.65%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $65
Money Market
Top rate
First Commerce Credit Union
3.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $300
2nd-highest rate
Southeastern Credit Union
1.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $176
Valdosta Teachers' FCU savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.65%
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.
Where Valdosta Teachers' FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.65%APY
Dividends are compounded monthly and credited monthly using the Average Daily Balance method. A minimum average daily balance of $1,000 is required to earn APY and to avoid fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $2,500Dividends compounded and credited monthly using Average Daily Balance Method. Minimum average daily balance of $1,000 required to obtain APY and avoid fees. | 0.35% | — | Dividends compounded and credited monthly using Average Daily Balance Method. Minimum average daily balance of $1,000 required to obtain APY and avoid fees. |
| $2,500 – $10,000Dividends compounded and credited monthly using Average Daily Balance Method. Minimum average daily balance of $1,000 required to obtain APY and avoid fees. | 0.55% | — | Dividends compounded and credited monthly using Average Daily Balance Method. Minimum average daily balance of $1,000 required to obtain APY and avoid fees. |
| $10,000 – $25,000Dividends compounded and credited monthly using Average Daily Balance Method. Minimum average daily balance of $1,000 required to obtain APY and avoid fees. | 0.65% | $65 | Dividends compounded and credited monthly using Average Daily Balance Method. Minimum average daily balance of $1,000 required to obtain APY and avoid fees. |
| $25,000 and upDividends compounded and credited monthly using Average Daily Balance Method. Minimum average daily balance of $1,000 required to obtain APY and avoid fees. | 0.75% | — | Dividends compounded and credited monthly using Average Daily Balance Method. Minimum average daily balance of $1,000 required to obtain APY and avoid fees. |
Sources (2)
All captured Sep 19, 2026
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.