No stored Google rating available.
VATAT Credit Union is a member-owned, not-for-profit credit union serving vocational agriculture and industrial teachers in Texas since 1961, offering savings accounts, checking, CDs, and personal loans.
Data compiled from public sources
VATAT Credit Union was established in 1961 specifically to serve members of the Vocational Agriculture Teachers Association of Texas. In December 1999, the credit union expanded its membership base to include Texas Industrial Vocational Teachers and Family Consumer Science Teachers of Texas. The organization has maintained its founding principles while modernizing its services and technology infrastructure over 63 years of operation.
The credit union offers a range of deposit and lending products tailored to member needs. Deposit options include Share Accounts (savings) with a $25 minimum deposit, Share Draft Accounts (checking) requiring a $500 minimum balance, Christmas Club savings accounts, and Certificates of Deposit with terms ranging from 6 to 24 months. As of January 2024, CD rates range from 3.00% to 3.75% APY depending on term length. The organization also provides loan services, skip-a-payment options, wire transfers, and check ordering services.
VATAT distinguishes itself through its listed membership base and community focus. The credit union announced significant technology upgrades for 2024, including a new mobile app launching in winter 2024, shared branching coming in spring 2024, and system conversion planned for December 2024. The organization positions itself as offering personal customer service and emphasizing that members are "more than a number." Their fee structure is straightforward with listed pricing for services like wire transfers ($15), stop payments ($25), and NSF fees ($28).
The credit union's primary limitation is its restricted membership eligibility—currently limited to agriculture science teachers, industrial vocational teachers, and family consumer science teachers affiliated with Texas organizations. Additionally, rates on basic savings products remain low (0.10% on regular shares, 0.05% on share drafts as of the most recent disclosure), and the organization is undergoing significant system changes in late 2024, which may create temporary service disruptions during the conversion period.
This is state-level context for Credit Unions consumers in Austin, TX. It does not confirm that Vatat or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Vatat offers 12 services including Share Accounts (savings) with quarterly dividend payments, Share Draft Accounts (checking) with monthly interest crediting, Certificates of Deposit with 6-month to 24-month terms at competitive rates, Christmas Club savings accounts with tiered APY rates, Personal loans with skip-a-payment options available, and 7 more.
Vatat has profile signals associated with Vocational agriculture teachers in Texas seeking member-owned credit union banking, Industrial vocational educators looking for competitive CD rates and personal loans, Family and consumer science teachers wanting listed financial institution aligned with their professional community, Educators seeking low-cost checking and savings with listed fee structures.
Key strengths: Competitive CD rates up to 3.80% APY for 12-month terms (as of October 2024); Christmas Club savings with 1.25% APY on balances up to $5,000; Low Share Account minimum deposit requirement of just $25 to join. Areas to consider: Membership restricted to vocational agriculture teachers, industrial vocational teachers, and family consumer science teachers in Texas—does not accept general public membership; Very low dividend rates on core savings products (0.10% APY on regular shares, 0.05% on share draft) as of January 2021 disclosure.
In the Credit Unions category, comparable providers include A+ Federal Credit Union, ALLIANCE Credit Union, Security Service Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
VATAT Credit Union is best suited for Texas vocational agriculture, industrial vocational, and family consumer science teachers seeking a member-owned alternative to traditional banks with competitive CD rates and personalized service. The primary caveat is strict membership eligibility—this credit union does not serve the general public and is exclusively available to educators within its defined member organizations.
Texas-based federal credit union offering checking, savings, auto loans, mortgages, and home equity products with a mobile-first approach and member-focused service model.
Google rating from 1,135 reviews
Profile signals: Texas residents seeking a digital-first banking experience with a mobile-optimized platform, Auto loan refinancers looking to lower existing rates through credit union partnerships
Member-owned credit union headquartered in Lubbock, TX, offering checking, savings, loans, mortgages, and credit cards with a not-for-profit service model.
Google rating from 803 reviews
Profile signals: Lubbock-area residents seeking competitive loan rates and personalized service from a member-owned institution, Homebuyers interested in listed mortgage programs (FHA, VA, USDA, construction, self-employed loans) with dedicated loan officers
Security Service FCU is a San Antonio-based federal credit union founded 1956 with $13B+ in assets. NCUA insured. 70+ branches in TX, CO, UT. BBB A+ accredited. Originally serving military/federal employees.
Google rating from 1,765 reviews
Profile signals: San Antonio area residents and military personnel seeking credit union banking, Consumers wanting NCUA-insured deposits and competitive loan rates
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Vatat and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.