Credit union · NCUA insured
VATAT Credit Union CD Rates
VATAT Credit Union’s best CD rate is 3.80% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How VATAT Credit Union’s CD rates compare
Compared with banks and credit unions near Austin, TX, where VATAT Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
VATAT Credit Union
3.80%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $380
Term Share Certificates
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Austin Capital Bank
4.58%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $113
VATAT Credit Union CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.29%
- QualifiedQualified3.80%
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 VATAT Credit Union 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.
Term Share Certificates
Up to 3.80%APY · 4 terms
A penalty may be imposed for early withdrawal. Minimum opening deposit for a 1 year or more term is $500.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty may be imposed for early withdrawal | 3.55% | $176 |
| 12 monthsA penalty may be imposed for early withdrawal. Minimum opening deposit for a 1 year or more term is $500.00 | 3.80% | $380 |
| 18 monthsA penalty may be imposed for early withdrawal. Minimum opening deposit for a 1 year or more term is $500.00 | 3.29% | $498 |
| 24 monthsA penalty may be imposed for early withdrawal. Minimum opening deposit for a 1 year or more term is $500.00 | 3.03% | $615 |
Sources (1)
- vatatcu.org/services/accounts · captured Sep 17, 2026
Who can join VATAT Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.