Cooperative Teachers Credit Union

Overview / Commentary
1424 W Southwest Loop 323
Tyler, TX 75701

Cooperative Teachers Credit Union is headquartered in Tyler and is the 125th largest credit union in the state of Texas. It is also the 1,539th largest credit union in the nation. It was established in 1953 and as of June of 2022, it had grown to 24 employees and 7,531 members at 2 locations. Cooperative Teachers Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Cooperative Teachers Credit Union is open to anyone who lives, works, worships, or goes to school in Smith County. School employees in Hopkins, Kaufman, Rains, Smith, Wood, or Van Zandt counties and employee groups located within 10 miles of the credit union also qualify for membership. Individuals who receive Teachers Retirement from working in a service area, retired teachers/certified school personnel living in the service area, or employees and members of any business or organization within the credit union's field of membership can also join.
See current membership details

Reviews (2)

Move On To The Next CU

Posted by: |

They aren't going to accept any new CTCU foundation members for the foreseeable future. So only people that qualify by living near the CU or related to a member may join. : (

Waste Of Time

Called CS, stated I was not a resident of TX, and got advice from CSR on how to fill out online application (it doesn't have option to donate to CTCU foundation for membership). Called CS 15 minutes later for advice on how to complete application (no 3 month CD option appears) and was told by CSR that CTCU is not offering membership/accounts to out of state people.


Health Grade Components

NCUA #67576
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD-0.42%
Return on Equity - YTD-5.81%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$141.7MM$133.2MM
LoansQ2 2022vs Q2 2021$84.2MM$81.7MM
DepositsQ2 2022vs Q2 2021$108.9MM$101.6MM
Equity CapitalQ2 2022vs Q2 2021$10.4MM$14.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$500.00K$484.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$712.00K$164.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not Cooperative Teachers Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cooperative Teachers Credit Union Savings Account Rates

1.00%$1k-IRA Account
1.00%$1k-Roth IRA Account
0.80%$20-Super Saver Kids Club
0.40%*$100k*-Investors Club
OTHER TIERS: 0.10% $1k - $50k | 0.20% $50k - $100k
0.05%$100-Share Savings
0.05%$20-Christmas Club

Cooperative Teachers Credit Union Checking Account Rates

0.10%--Premium Checking

Cooperative Teachers Credit Union CD Rates

4.00%$20$10k12 Month Youth CD Special
3.65%$1k-18 Month CD
3.59%$1k-12 Month CD
3.41%$1k-6 Month CD
3.26%$1k-24 Month CD
3.19%$1k-36 Month CD
2.99%$1k-60 Month CD
2.89%$1k-48 Month CD

Cooperative Teachers Credit Union IRA Rates

3.65%$1k-18 Month IRA
3.59%$1k-12 Month IRA
3.41%$1k-6 Month IRA
3.26%$1k-24 Month IRA
3.19%$1k-36 Month IRA
2.99%$1k-60 Month IRA
2.89%$1k-48 Month IRA

Cooperative Teachers Credit Union Locations
Branch Office1424 W Southwest Loop 323Tyler, TX 75701-9347
Branch Office75 Miranda Lambert Way Ste 10Lindale, TX 75771-3109

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