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Cleveland Bradley Cty Teacher Federal Credit Union Rates & Review May 2026

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Brian McKay Brian McKay
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| ✓Fact Checked | Rates Last Updated: May 22, 2026

Cleveland Bradley Cty Teacher Federal Credit Union's 6 Month Term CDs rates are at 3.60%, 12 Month Term CDs rates are at 3.55%, 6 Month Term CDs rates are at 3.50%, 24 Month Term CDs rates are at 2.93%, 18 Month Term CDs rates are at 2.83%. Cleveland Bradley Cty Teacher Federal Credit Union's Personal Loan Rates are at 8.25%. MonitorBankRates evaluates the financial stability of Cleveland Bradley Cty Teacher Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.22%. Rates were last updated on 05/22/2026.

Cleveland Bradley Cty Teacher Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cleveland Bradley Cty Teacher Federal Credit Union? Share your experience about Cleveland Bradley Cty Teacher Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cleveland Bradley Cty Teacher Federal Credit Union.

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.22%
Excellent Lower than avg
Cleveland Bradley Cty Teacher Federal Credit Union
Cleveland Bradley County Teachers Federal Credit Union
420 Central Ave NW
Cleveland, TN 37311
https://cbctfcu.com/
Member NCUA

Cleveland Bradley Cty Teacher Federal Credit Union CD Rates

Product Rate APY Term View More
6 Month Term Share Certificates 3.60% 3.60% 6 Month
Min Balance $500
Details $500 Minimum. Early withdrawal penalty = 90 days dividend, earned or not.
Last Updated 05/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
12 Month Term Share Certificates 3.50% 3.55% 12 Month
Min Balance $1,200
Details $1,200 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Last Updated 05/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
6 Month Term Share Certificates 3.50% 3.50% 6 Month
Min Balance $500
Details $500 Minimum. One withdrawal with no penalty - all subsequent withdrawals incur a 90 day dividend penalty.
Last Updated 05/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
24 Month Term Share Certificates 2.90% 2.93% 24 Month
Min Balance $2,000
Details $2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Last Updated 05/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
18 Month Term Share Certificates 2.80% 2.83% 18 Month
Min Balance $1,800
Details $1,800 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Last Updated 05/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
30 Month Term Share Certificates 1.00% 1.00% 30 Month
Min Balance $2,000
Details $2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Last Updated 05/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
36 Month Term Share Certificates 1.00% 1.00% 36 Month
Min Balance $2,000
Details $2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Last Updated 05/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
90 Day Term Share Certificates 0.20% 0.20% 90 Day
Min Balance $500
Details $500 Minimum. Loss of dividend penalty for early withdrawal.
Last Updated 05/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%

Cleveland Bradley Cty Teacher Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.05% 0.05%
No additional details.
Last Updated 05/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%

Cleveland Bradley Cty Teacher Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity - - 7.75% Up to 15 yrs.
Details As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Last Updated 05/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%

Cleveland Bradley Cty Teacher Federal Credit Union Personal Loan Rates

Product Rate APR View More
New Major Appliances and Personal Computers Loan - 8.25%
Details As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Last Updated 05/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Cleveland Bradley Cty Teacher Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Cleveland Bradley Cty Teacher Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Cleveland Bradley Cty Teacher Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cleveland Bradley Cty Teacher Federal Credit Union
Website https://cbctfcu.com/
Address 420 Central Ave NW, Cleveland, TN 37311
Phone 423-479-6392
Fax 423-476-5262
President Ritchie Stevenson
CEO Leslie Sims
Full-Time Employees 9
Part-Time Employees 2
Branch Locations 2
ATM Locations 2
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.22%
Return on Assets (ROA)
0.8089%
Return on Equity (ROE)
6.4573%
Non-Performing Loans Ratio (NPL)
0.45%
Total Assets
73,481,024
Total Amount of Shares and Deposits
63,988,960
Total Shares and Deposits < 1 Year
63,800,744
Total Shares and Deposits 1 3 Years
188,216
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,481,003
Total Uninsured Shares and Deposits > $250K (F+J)
5,481,003
Total Insured Shares and Deposits > $250K (item 17 less item K)
58,507,957
Total Interest Expense (Sum of items 6 8)
562,145
Share Certificates
481
Number of Accounts for Share Drafts
1,830
IRA KEOGH Accounts
138
Number of Accounts for Regular Shares
4,065
Net Income (unless the amount is already included in Undivided Earnings)
594,356
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
17,279,966
Total Liabilities
64,276,576
Source: NCUA — Last Updated 09/30/2025
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Customer Reviews

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Frequently Asked Questions About Cleveland Bradley Cty Teacher Federal Credit Union

How many branches does Cleveland Bradley Cty Teacher Federal Credit Union operate?

Cleveland Bradley Cty Teacher Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Cleveland Bradley Cty Teacher Federal Credit Union?

Yes, to access services at Cleveland Bradley Cty Teacher Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Cleveland Bradley Cty Teacher Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cleveland Bradley Cty Teacher Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Cleveland Bradley Cty Teacher Federal Credit Union offer online and mobile banking?

Most modern institutions like Cleveland Bradley Cty Teacher Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://cbctfcu.com/.

Current Cleveland Bradley Cty Teacher Federal Credit Union Rates

  • 12-Month CD3.55%
  • 18-Month CD2.83%
  • 24-Month CD2.93%
Retrieved from our database of financial products. Rates subject to change.

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