What are the current interest rates at Montgomery VA Federal Credit Union?

Current rates for Montgomery VA Federal Credit Union include: 12-Month CD: 0.25%, 24-Month CD: 0.30%

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Montgomery VA Federal Credit Union

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Montgomery VA Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Montgomery VA Federal 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 and Verified: August 28, 2026

Montgomery VA Federal Credit Union's 24 Month CD rates are at 0.30%, 12 Month CD rates are at 0.25%, 6 Month CD rates are at 0.13%. Montgomery VA Federal Credit Union's Personal Loan Rates are at 3.25%. MonitorBankRates evaluates the financial stability of Montgomery VA Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.22%. Rates last updated and verified on 08/28/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.22%

Excellent Higher than avg

Montgomery VA Federal Credit Union
MONTGOMERY VA FEDERAL CREDIT UNION

345 PERRY HILL RD
MONTGOMERY, AL 36109

https://www.mvafcu.org

Montgomery VA Federal Credit Union CD Rates

Product	Rate	APY	Term
24 Month Share Certificate	0.30%	0.30%	24 Month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.22%
12 Month Share Certificate	0.25%	0.25%	12 Month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.22%
6 Month Share Certificate	0.13%	0.13%	6 Month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.22%

Montgomery VA Federal Credit Union Savings Rates

Product	Rate	APY	View More
Christmas Clubs	0.13%	0.13%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.22%

Montgomery VA Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New and Used Auto	-	-	3.25%	up to 72 mos
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.22%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name Montgomery VA Federal Credit Union

Website https://www.mvafcu.org

Address 345 PERRY HILL RD, MONTGOMERY, AL 36109

Phone 334-272-7790

Fax 334-272-7408

President WILLIAM GLASS

CEO Shannon Watkins

Full-Time Employees 1

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

7.22%

Return on Assets (ROA)

-0.3806%

Return on Equity (ROE)

-3.3103%

Non-Performing Loans Ratio (NPL)

3.23%

Total Assets

6,368,645

Total Amount of Shares and Deposits

5,611,420

Total Shares and Deposits < 1 Year

5,598,212

Total Shares and Deposits 1 3 Years

13,208

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

112,766

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

112,766

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

5,498,654

Total Interest Expense (Sum of items 6 8)

14,230

Share Certificates

Number of Accounts for Share Drafts

265

IRA KEOGH Accounts

Number of Accounts for Regular Shares

755

All other shares

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

-24,248

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)

820,807

Total Liabilities

5,636,364

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Montgomery VA Federal Credit Union

How many branches does Montgomery VA Federal Credit Union operate?

Montgomery 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 Montgomery VA Federal Credit Union?

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

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

Most modern institutions like Montgomery 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.mvafcu.org.