Cherokee County Teachers Federal Credit Union

Overview / Commentary
145 FM 2972
Rusk, TX 75785

Cherokee County Teachers Federal Credit Union is headquartered in RUSK and is the 290th largest credit union in the state of Texas. It is also the 3,547th largest credit union in the nation. It was established in 1955 and as of December of 2023, it had grown to 4 employees and 1,900 members at 1 location. Cherokee County Teachers Federal Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Cherokee County Teachers Federal Credit Union is open to those who reside, work, attend school or worship in Rusk, Texas. Membership is also open to employees of Cherokee County, Cherokee County Schools, Cherokee County Appraisal District, or Cherokee County Electric Cooperative. Immediate family may also join.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Cherokee County Teachers Federal Credit Union has a low asset base.

Health Grade Components

NCUA #10269
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD3.34%
Annual Interest Income$544K
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$13.9MM$15.7MM
LoansQ4 2023vs Q4 2022$10.8MM$11.9MM
DepositsQ4 2023vs Q4 2022$11.3MM$13.1MM
Equity CapitalQ4 2023vs Q4 2022$2.6MM$2.6MM
Loan Loss AllowanceQ4 2023vs Q4 2022$49K$16K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$68K$169K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Cherokee County Teachers Federal Credit Union Savings Account Rates

0.65%--IRA Share Account
0.25%--Share Savings Account

Cherokee County Teachers Federal Credit Union CD Rates

5.75%$10k-9 Month Share Certificate Special
4.01%$10k-6 Month Share Certificate
3.95%$10k-6 Month Share Certificate Special
3.03%$10k-24 Month Share Certificate
2.32%$10k-12 Month Share Certificate
1.91%$10k-60 Month Share Certificate
1.86%$10k-30 Month Share Certificate

Cherokee County Teachers Federal Credit Union Locations
Branch Office145 FM 2972 WRUSK, TX 75785

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