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VATAT Credit Union

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VATAT Credit Union Rates & Review March 2026

Q: How many branches does VATAT Credit Union operate?

VATAT 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.

Q: Is a member application needed to join VATAT Credit Union?

Yes, to access services at VATAT 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.

Q: Is there a first-time homebuyer program?

Currently, VATAT 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare VATAT Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.15%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 0.20%. Savings rates are at 0.25% and money market rates are at 0.85%. Mortgage rates on 30-year fixed loans are around 5.79%. All these rates can be compared to VATAT Credit Union rates. MonitorBankRates evaluates the financial stability of VATAT Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.66%. Rates were last updated on 03/29/2026.

VATAT 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 VATAT Credit Union? Share your experience about VATAT Credit Union by leaving a review below, or read customer reviews before you decide to use VATAT Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.66%

Excellent Higher than avg

VATAT Credit Union
VATAT Credit Union

614 E 12th St
Austin, TX 78701

https://www.vatatcu.org

Current Rate Availability

We do not have VATAT Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for VATAT 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 VATAT 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 VATAT Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name VATAT Credit Union

Website https://www.vatatcu.org

Address 614 E 12th St, Austin, TX 78701

Phone 512-472-3258

Fax 512-617-8218

President Steve Forsythe

CEO Meredith Hartmann

Full-Time Employees 2

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.66%

Return on Assets (ROA)

0.1678%

Return on Equity (ROE)

0.9540%

Non-Performing Loans Ratio (NPL)

1.78%

Total Assets

10,504,665

Total Amount of Shares and Deposits

8,261,032

Total Shares and Deposits < 1 Year

8,222,764

Total Shares and Deposits 1 3 Years

38,268

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,347,230

Total Uninsured Shares and Deposits > $250K (F+J)

2,347,230

Total Insured Shares and Deposits > $250K (item 17 less item K)

5,913,802

Total Interest Expense (Sum of items 6 8)

117,592

Share Certificates

109

Number of Accounts for Share Drafts

Number of Accounts for Regular Shares

1,091

All other shares

Net Income (unless the amount is already included in Undivided Earnings)

17,622

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,049,924

Total Liabilities

8,657,536

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About VATAT Credit Union

Is VATAT Credit Union a safe place to deposit money?

Yes, VATAT Credit Union is considered a safe financial institution. With a Texas Ratio of 7.6551773048877%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does VATAT Credit Union operate?

VATAT 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 VATAT Credit Union?

Yes, to access services at VATAT 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, VATAT 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, VATAT Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does VATAT Credit Union offer online and mobile banking?

Most modern institutions like VATAT 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.vatatcu.org.