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Tuscaloosa VA Federal Credit Union Rates & Review September 2026

Tuscaloosa VA Federal Credit Union's 12 month CD rates are at 3.70%, 24 month CD rates are at 3.29%, 6 month CD rates are at 3.29%, 36 month CD rates are at 3.03%, 60 month CD rates are at 3.03%. Tuscaloosa VA Federal Credit Union's savings rates are at 0.25%. Tuscaloosa VA Federal Credit Union's money market rates are at 0.25%. Tuscaloosa VA Federal Credit Union's Personal Loan Rates are as low as 11.49%. Tuscaloosa VA Federal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Tuscaloosa VA Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.55%. Rates last updated and verified on 09/12/2026.

Tuscaloosa VA Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Tuscaloosa VA Federal Credit Union? Share your experience about Tuscaloosa VA Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Tuscaloosa VA Federal Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.55%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Tuscaloosa VA Federal Credit Union
Tuscaloosa VA Federal Credit Union
3701 Loop Rd
Tuscaloosa, AL 35404
https://www.tvacu.com
Member NCUA

Tuscaloosa VA Federal Credit Union CD Rates

Product Rate APY Term View More
12 month Certificate 3.65% 3.70% 12 months
Min Balance $500
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%
24 month Certificate 3.25% 3.29% 24 months
Min Balance $500
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%
6 month Certificate 3.25% 3.29% 6 months
Min Balance $500
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%
36 month Certificate 3.00% 3.03% 36 months
Min Balance $500
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%
60 month Certificate 3.00% 3.03% 60 months
Min Balance $500
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%

Tuscaloosa VA Federal Credit Union Savings Rates

Product Rate APY View More
Savings 0.25% 0.25%
Min Balance $5
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%
Special Savings 0.25% 0.25%
Min Balance $5
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%

Tuscaloosa VA Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market ($150,000.01) 1.75% 1.76%
Min Balance $150,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%
Money Market ($250,000.01) 1.75% 1.76%
Min Balance $250,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%
Money Market 1.25% 1.26%
Min Balance $100,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%
Money Market 0.70% 0.70%
Min Balance $50,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%
Money Market 0.40% 0.40%
Min Balance $25,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%
Money Market 0.35% 0.35%
Min Balance $2,500
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%
Money Market 0.25% 0.25%
Min Balance $500
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%

Tuscaloosa VA Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Cars, Trucks, Vans (2022 and Newer) Loan - - 4.49% 24 to 84 months
Details APR; As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%
Used Cars, Trucks, Vans (2015-2021) Loan - - 5.99% 24 to 84 months
Details APR; As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%

Tuscaloosa VA Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boat, Motorcycle, RV, Travel Trailer/Camper, ATV, Watercraft, Tractor Loan - 6.49% 24 to 72 months
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%

Tuscaloosa VA Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Credit Cards - 9.90%
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%

Tuscaloosa VA Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature (Unsecured) Loan 11.49% 24 to 48 months
No additional details.
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%

Tuscaloosa VA Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
IRA Share 1.00% - 1.00%
Min Balance $500
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.55%

Financial Health History

Tuscaloosa VA Federal Credit Union’s Texas Ratio fell from 7.64% in Q2 2023 to 2.55% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 7.64% A Q2 2023 A Q3 2023 A Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 2.55% A+ Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$52M2.55%5.0A+
December 31, 2025$51M1.90%5.0A+
September 30, 2025$50M0.00%5.0A+
June 30, 2025$49M3.27%5.0A+
March 31, 2025$48M2.88%5.0A+
December 31, 2024$47M3.26%5.0A+
September 30, 2024$46M0.89%5.0A+
June 30, 2024$45M0.76%5.0A+
March 31, 2024$45M0.34%5.0A+
December 31, 2023$45M6.09%5.0A
September 30, 2023$45M6.84%5.0A
June 30, 2023$46M7.64%5.0A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Tuscaloosa VA Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Tuscaloosa VA Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Tuscaloosa VA Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Tuscaloosa VA Federal Credit Union
Address 3701 Loop Rd, Tuscaloosa, AL 35404
Phone 205-556-7819
Fax 205-553-1629
President Tommy Cobb
CEO Joshua Hench
Full-Time Employees 13
Part-Time Employees 1
Branch Locations 2
ATM Locations 2
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.55%
Return on Assets (ROA)
0.2870%
Return on Equity (ROE)
2.2290%
Non-Performing Loans Ratio (NPL)
0.55%
Total Assets
51,568,892
Total Amount of Shares and Deposits
45,596,052
Total Shares and Deposits < 1 Year
45,158,563
Total Shares and Deposits 1 3 Years
158,599
Total Shares and Deposits > 3 Years
278,890
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,511,994
Total Uninsured Shares and Deposits > $250K (F+J)
1,511,994
Total Insured Shares and Deposits > $250K (item 17 less item K)
44,084,058
Total Interest Expense (Sum of items 6 8)
103,007
Share Certificates
200
Number of Accounts for Share Drafts
2,043
IRA KEOGH Accounts
62
Number of Accounts for Regular Shares
5,201
All other shares
396
Money Market Shares
184
Net Income (unless the amount is already included in Undivided Earnings)
148,006
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,653,632
Total Liabilities
45,765,556
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Tuscaloosa VA Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/tuscaloosa-v-a-federal-credit-union-rates-review-7532">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Tuscaloosa VA Federal Credit Union

How many branches does Tuscaloosa VA Federal Credit Union operate?

Tuscaloosa VA Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Tuscaloosa VA Federal Credit Union?

Yes, to access services at Tuscaloosa VA Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Tuscaloosa VA Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Tuscaloosa VA Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Tuscaloosa VA Federal Credit Union offer online and mobile banking?

Most modern institutions like Tuscaloosa VA Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.tvacu.com.

Current Tuscaloosa VA Federal Credit Union Rates

  • 12-Month CD3.70%
  • 24-Month CD3.29%
  • 60-Month CD3.03%
  • Savings0.25%
  • MMA0.25%
Retrieved from our database of financial products. Rates subject to change.