Last Updated: 04/18/2025
Valdosta Teachers' FCU Regular Savings Account
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Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.20%(Verified 06/21/2024)
Minimum Opening Deposit
$25
Minimum Balance to Earn APY
$100
Valdosta Teachers' FCU Regular Savings Account Review
Valdosta Teachers' FCU Regular Savings Account is offered by Valdosta Teachers' Federal Credit Union, a credit union founded in 1958 and based in Valdosta, GA. Valdosta Teachers' FCU Regular Savings Account are available in 50 states and Washington, DC.
Key Takeaways
- Low interest rate. The maximum annual percentage yield for this account is only 0.20%.
- Waivable monthly maintenance fee. 5.00 per month if the $25.00 minimum balance is not maintained
Valdosta Teachers' FCU Regular Savings Account Pros & Cons
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Valdosta Teachers' FCU Regular Savings Account FAQ
Are savings accounts from Valdosta Teachers' Federal Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does Valdosta Teachers' Federal Credit Union offer a signup bonus?
Valdosta Teachers' FCU Regular Savings Account doesn't offer a signup bonus.
What is the minimum initial deposit for Valdosta Teachers' FCU Regular Savings Account?
The minimum deposit to open a Valdosta Teachers' FCU Regular Savings Account is $25.00.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $100.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Required Balance | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Valdosta Teachers' FCU Regular Savings Account offer?
Valdosta Teachers' FCU Regular Savings Account offers an APY of 0.20% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does Valdosta Teachers' FCU Regular Savings Account charge?
This account charges a monthly service fee of $5.00. However, you can waive the monthly fees if you have a minimum daily balance of $25.00.
- Outgoing domestic bank transfers come with a $15.00 fee.
- Incoming domestic bank transfers come with a $10.00 fee.
- Outgoing international bank transfers come with a $30.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- Incoming international bank transfers come with a $10.00 fee.
- An overdraft on your account will trigger a $35.00 fee per item.
- Valdosta Teachers' FCU Regular Savings Account charges $2.00 every time you request a paper statement.
Does Valdosta Teachers' FCU Regular Savings Account charge overdraft fees?
Yes, Valdosta Teachers' FCU Regular Savings Account charges a $35.00 overdraft fee.What features and perks does Valdosta Teachers' FCU Regular Savings Account offer?
This savings account includes the following features:
Can you set up a direct deposit to Valdosta Teachers' FCU Regular Savings Account?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for Valdosta Teachers' FCU Regular Savings Account?
The customer support email for Valdosta Teachers' FCU Regular Savings Account is info@valdostateachersfcu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
10:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed