Credit union · NCUA insured
VATAT Credit Union
A $10.6M credit union headquartered in Austin, TX, with 1,113 members and 1 branch in Texas. Best rates: CDs 3.80% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs753.80%for 9–15 monthsCD rates →
- Savings—1.26%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About VATAT Credit Union
VATAT Credit Union was founded in 1961 in Austin, Texas, organized for the benefit of members of the Ag Science Teachers of Texas.
In December 1999, the credit union expanded its membership base to include Texas Industrial Vocational Teachers and Family Consumer Science Teachers of Texas.
- Headquarters
- 614 E 12th St, Austin, TX 78701
- NCUA charter
- 67661
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Members of the Agriculture Teachers Association of Texas are eligible to join the Credit Union.
- Members of TIVA and FCSTAT are welcome to join.
Family and household
- Immediate family members of Agriculture Teachers Association of Texas members are eligible to join.
Cost to join
- A $25 deposit is required to open a share account.
Branches
1 branch in Texas
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Texas
1 branch
- VATAT Credit UnionMain office614 E 12th St, Austin, TX 78701Directions
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 | 17.90% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.74% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.37% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $78 | $59 | — |
- CapitalNet worth ratio17.90%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.74%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.37%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$78Peers’ 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 VATAT Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.