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iAdvertiser Disclosure
Advertiser Disclosure
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VICTORIA TEACHERS Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 12, 2026
VICTORIA TEACHERS's 12 month CDs rates are at 3.65%, 12 month CDs rates are at 3.52%, 12 month CDs rates are at 3.42%, 24 month CDs rates are at 3.26%, 24 month CDs rates are at 3.14%. VICTORIA TEACHERS's savings rates are at 0.05%. VICTORIA TEACHERS's Personal Loan Rates are as low as 9.20%. MonitorBankRates evaluates the financial stability of VICTORIA TEACHERS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.01%. Rates last updated and verified on 09/12/2026. VICTORIA TEACHERS 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 VICTORIA TEACHERS? Share your experience about VICTORIA TEACHERS by leaving a review below, or read customer reviews before you decide to use VICTORIA TEACHERS. 
VICTORIA TEACHERS CD Rates
VICTORIA TEACHERS Savings Rates
VICTORIA TEACHERS Checking Rates
VICTORIA TEACHERS Auto Loan Rates
VICTORIA TEACHERS RV, Boat and Powersport Loan Rates
VICTORIA TEACHERS Personal Loan Rates
VICTORIA TEACHERS Other Rates
Financial Health HistoryVICTORIA TEACHERS’s Texas Ratio fell from 0.86% in Q2 2023 to 0.01% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for VICTORIA TEACHERS 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 VICTORIA TEACHERS 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 VICTORIA TEACHERS's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
VICTORIA TEACHERS
Website
http://www.myvtfcu.com
Address
2207 Wildwood St,
Victoria, TX 77901-7363
Phone
361-576-3168
Fax
361-576-0924
President
Tracy Funkhouser
CEO
Paul Withey
Full-Time Employees
4
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.01%
Return on Assets (ROA)
0.0764%
Return on Equity (ROE)
0.2349%
Non-Performing Loans Ratio (NPL)
0.01%
Total Assets
18,141,883
Total Amount of Shares and Deposits
12,204,179
Total Shares and Deposits < 1 Year
12,118,979
Total Shares and Deposits 1 3 Years
85,199
Total Insured Shares and Deposits > $250K (item 17 less item K)
12,204,179
Total Interest Expense (Sum of items 6 8)
35,008
Share Certificates
68
Number of Accounts for Share Drafts
557
Number of Accounts for Regular Shares
1,384
Net Income (unless the amount is already included in Undivided Earnings)
13,852
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)
768,221
Total Liabilities
12,245,702
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for VICTORIA TEACHERS yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for VICTORIA TEACHERS
Frequently Asked Questions About VICTORIA TEACHERSHow many branches does VICTORIA TEACHERS operate?VICTORIA TEACHERS 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 VICTORIA TEACHERS?Yes, to access services at VICTORIA TEACHERS, 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, VICTORIA TEACHERS 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, VICTORIA TEACHERS provides members with tools to manage their accounts and build a solid financial history. Does VICTORIA TEACHERS offer online and mobile banking?Most modern institutions like VICTORIA TEACHERS 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: http://www.myvtfcu.com. Current VICTORIA TEACHERS Rates
Retrieved from our database of financial products. Rates subject to change.
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