Credit union · NCUA insured
Victoria Teachers Federal Credit Union CD Rates
Victoria Teachers Federal Credit Union’s best CD rate is 3.72% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Victoria Teachers Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Victoria, TX, where Victoria Teachers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Victoria Teachers Federal Credit Union
3.59%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $359
Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $169
Victoria Teachers Federal Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo3.59%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.09%
- QualifiedQualified3.59%
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 Victoria Teachers Federal 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.
Certificates
Up to 3.59%APY · 5 terms
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $100,000 | APY · $100,000 – $245,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsBalance tier: $100K–$245K | — | — | 3.16% | —3.16% $100k–$245k | — |
| 6 monthsBalance tier: $10K–$99,999.99 | — | 3.04% | — | 3.04% | $151 |
| 6 monthsBalance tier: $1K–$9,999.99 | 2.93% | — | — | —2.93% $1k–$10k | — |
| 12 monthsBalance tier: $100K–$245K | — | — | 3.72% | —3.72% $100k–$245k | — |
| 12 monthsBalance tier: $10K–$99,999.99 | — | 3.59% | — | 3.59% | $359 |
| 12 monthsBalance tier: $1K–$9,999.99 | 3.49% | — | — | —3.49% $1k–$10k | — |
| 24 monthsBalance tier: $100K–$245K | — | — | 3.27% | —3.27% $100k–$245k | — |
| 24 monthsBalance tier: $10K–$99,999.99 | — | 3.15% | — | 3.15% | $640 |
| 24 monthsBalance tier: $1K–$9,999.99 | 3.05% | — | — | —3.05% $1k–$10k | — |
| 36 monthsBalance tier: $100K–$245K | — | — | 3.21% | —3.21% $100k–$245k | — |
| 36 monthsBalance tier: $10K–$99,999.99 | — | 3.09% | — | 3.09% | $956 |
| 36 monthsBalance tier: $1K–$9,999.99 | 2.98% | — | — | —2.98% $1k–$10k | — |
| 60 monthsBalance tier: $100K–$245K | — | — | 3.08% | —3.08% $100k–$245k | — |
| 60 monthsBalance tier: $10K–$99,999.99 | — | 2.95% | — | 2.95% | $1,565 |
| 60 monthsBalance tier: $1K–$9,999.99 | 2.85% | — | — | —2.85% $1k–$10k | — |
Sources (1)
- myvtfcu.com/rates · captured Oct 6, 2026
Who can join Victoria Teachers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of Bloomington Independent School District in Victoria, TX are eligible for membership.
- Employees of Faith Academy in Victoria, TX are eligible for membership.
- Employees of Nazareth Academy in Victoria, TX are eligible for membership.
- Employees of Northside Baptist School in Victoria, TX are eligible for membership.
- Employees of Nursery ISD in Victoria, TX are eligible for membership.
- Employees of Our Lady Of Victory in Victoria, TX are eligible for membership.
6 more ways to join
Military, government and schools
- Region 3 employees in Victoria, TX are eligible for membership.
- Employees of St. Joseph High School in Victoria, TX are eligible for membership.
- Employees of Trinity Episcopal School in Victoria, TX are eligible for membership.
- Employees and students of Victoria College in Victoria, TX are eligible for membership.
- Employees of Victoria Independent School District in Victoria, TX are eligible for membership.
Family and household
- Family members of credit union members are eligible for membership.
Cost to join
- Opening an account requires an initial deposit of $25.00, which can be built up over three months unless applying for a loan upfront.
Membership information collected October 5, 2026.