Walton County Teachers

WALTON COUNTY TEACHERS FCU, 1586 US, Defuniak Spring, FL 32433

NCUA Insured4.2 (13 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1961

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Defuniak Spring, FL may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1961

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

WALTON COUNTY TEACHERS FCU, 1586 US

Defuniak Spring, FL 32433

Google Maps 🗺Waze

(850) 892-2024

Service Area

This credit union is located in Defuniak Spring and serves members in the FL area. Currently serving 2,522 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.49%

Used Auto Loan

4.99%

Personal Loan

10.00%

Credit Card APR

9.70%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).

Mccoy— New Auto Loan

Orlando, FL

1.99%

Broward Healthcare— Used Auto Loan

Fort Lauderdale, FL

1.99%

Coastline— Personal Loan

Jacksonville, FL

7.18%

1st Street— Credit Card APR

Sarasota, FL

6.69%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.2

13 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Brittney Word

6 months ago

Although I am not a member of Teacher Federal Credit Union, I have had a close, front-row view of the organization’s operations and unfortunately, the consistent issues with leadership are impossible to overlook. The credit union suffers from noticeably poor management, which is reflected in its extremely high employee turnover. This instability doesn’t just affect staff morale; it inevitably impacts member experience and the overall efficiency of the institution. What’s even more concerning is the lack of accountability within the leadership structure. There appears to be no true avenue for escalation, as the manager is responsible for handling all mail and communication directed to the board. This creates a closed loop that prevents concerns, complaints, or critical feedback from ever being reviewed by anyone beyond the immediate management level. Management transparency and strong leadership are essential for any financial institution, and based on what I’ve witnessed, Teacher Federal Credit Union is falling short in these areas. I hope to see meaningful improvements in oversight, communication, and staff support in the future

Jay Bertram

2 years ago

Walton County TFCU has consistently demonstrated a deep commitment to its members' financial well-being. Their team of dedicated professionals has not only provided expert financial advice but has also tailored their services to meet my specific needs and goals. Whether it's savings, investments, or loans, they have always been there with valuable insights and solutions.

andrew weaver

3 years ago

ATM refuses card from another Credit Union. Allows you to go through all the steps and then prints receipt saying your card can not be used here. My credit union says there is nothing wrong with my card or account.