Business Details
50+ Years
experience
Your Trusted Financial Partner in Texas
VATAT Credit Union was founded in 1961 to serve the financial needs of Texas educators, beginning with the Ag Science Teachers of Texas. Over six decades, we expanded membership to include Texas Industrial Vocational Teachers and Family Consumer Science Teachers, prioritizing personalized service and competitive rates. Our commitment to low-interest loans and savings solutions has helped thousands of members achieve financial stability. In 1999, we broadened our reach while maintaining the core principles of our founding.Today, we continue innovating with new technologies like our upcoming mobile app and shared branching services launching in 2024. Our team remains dedicated to treating members as family, offering tailored financial guidance for both immediate needs and long-term goals. We emphasize transparency, community focus, and adapting to modern banking expectations while preserving the trust established over generations.
Services
Share Accounts
Loans
Certificate of Deposits
Online Banking
Overdraft Protection
Wire Transfers
Credit Insurance
E-Statements
GAP Insurance
ACH Services
Details
- Year established: 1961
Highlights and features
- 63 years of serving Texas educators with tailored financial solutions
- Personalized service treating members as family since 1961
- Competitive rates on loans and savings products
- New mobile banking app launching winter 2024
- Expanded shared branching network for greater accessibility
Associations and certifications
- NCUA
Services
Share Accounts
Our Share Accounts provide members with a secure savings solution requiring a $25 minimum deposit. Dividends compound quarterly with competitive rates for balances over $100. These accounts form the foundation of membership while offering flexible access to funds.
Certificate of Deposits
Certificate of Deposits offer guaranteed returns with terms from 6 to 24 months. Minimum $500 deposits earn higher dividends than standard savings. Early withdrawal penalties apply, but these accounts provide predictable growth for committed savers seeking stable returns.
Online Banking
Our Online Banking platform enables 24/7 account management through secure digital access. Members can monitor balances, transfer funds, pay bills, and view statements electronically. This service reduces paper usage while providing convenient financial oversight from any internet-connected device.
Overdraft Protection
Overdraft Protection links savings and checking accounts to prevent declined transactions. When checking balances run low, funds automatically transfer from savings at a $4 fee per occurrence. This service maintains transaction reliability while helping members avoid merchant penalties for insufficient funds.
Wire Transfers
Wire Transfer services facilitate secure domestic money movement for $15 per transaction. These electronic transfers enable rapid fund availability for time-sensitive payments. The service supports direct deposit arrangements and business-to-business transactions requiring guaranteed same-day settlement.
People
Meredith Hartman
CEO
Meredith Hartman leads VATAT Credit Union's strategic operations and lending initiatives. With extensive experience in financial services, she oversees branch operations while maintaining the credit union's educator-focused mission and community values.
Questions
Who is eligible to join VATAT Credit Union?
Membership is open to Texas educators including Agriculture Science Teachers, Industrial Vocational Teachers, and Family Consumer Science Teachers, plus their immediate family members.
What digital banking options are available?
We offer online banking with bill pay, e-statements, and mobile check deposit. A new mobile app with enhanced features will launch winter 2024 for iOS and Android users.
How do I open a credit union account?
Complete an Account Request Form, get the affidavit notarized if not opening in person, provide ID and social security card copies, then mail with a $25 deposit to establish your share account.
What loan services does VATAT offer?
We provide personal loans, auto financing, and credit insurance products. Our lending team works with members to find appropriate solutions while maintaining responsible borrowing practices.
Are there fees for account maintenance?
Some services carry fees like $5 monthly charge for checking accounts below $500 balance. Detailed fee schedules appear in our Truth-In-Savings Disclosure documents available upon request.
When will shared branching become available?
Our expanded shared branching network for convenient access to services across Texas will launch in Spring 2024 as part of our modernization initiative.
