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 Cooperative Teachers Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 10, 2026
Cooperative Teachers Credit Union's top rates as of October 10, 2026 are 4.00% APY on its 12 Month Youth Term CD, 0.10% APY on checking, and auto loans from 4.99% APR, according to rates verified by MonitorBankRates. Other Cooperative Teachers Credit Union CD rates include 6 Month Term CD at 3.75%, 12 Month Term CD at 3.60%, and 18 Month Term CD at 3.50%. MonitorBankRates evaluates the financial stability of Cooperative Teachers Credit Union with a 3.4 Star Rating, an D Overall Health Grade, and a Texas Ratio of 33.61%. Rates last updated and verified on 10/10/2026. Cooperative Teachers 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 Cooperative Teachers Credit Union? Share your experience about Cooperative Teachers Credit Union by leaving a review below, or read customer reviews before you decide to use Cooperative Teachers Credit Union. Cooperative Teachers Credit Union
Cooperative Teachers Credit Union 1424 W Southwest Loop 323
https://www.coopteachers.com Tyler, TX 75701-9347  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Cooperative Teachers Credit Union CD Rates
Cooperative Teachers Credit Union Checking Rates
Cooperative Teachers Credit Union Auto Loan Rates
Cooperative Teachers Credit Union Other Rates
Financial Health HistoryCooperative Teachers Credit Union’s Texas Ratio rose from 3.67% in Q3 2023 to 33.61% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.5 and its Health Grade from A+ to D. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cooperative Teachers 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 Cooperative Teachers 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 Cooperative Teachers Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cooperative Teachers Credit Union
Website
https://www.coopteachers.com
Address
1424 W Southwest Loop 323,
Tyler, TX 75701-9347
Phone
903-561-2603
Fax
903-561-9394
President
Wayne Boshears
CEO
Tim Miller
Full-Time Employees
14
Part-Time Employees
0
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
3.4 / 5.0 ★
Overall Health & Safety Grade
D (68/100)
Texas Ratio
33.61%
Return on Assets (ROA)
0.1506%
Return on Equity (ROE)
1.9099%
Non-Performing Loans Ratio (NPL)
4.31%
Total Assets
93,807,724
Total Amount of Shares and Deposits
83,352,324
Total Shares and Deposits < 1 Year
83,270,596
Total Shares and Deposits 1 3 Years
81,726
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,687,956
Total Uninsured Shares and Deposits > $250K (F+J)
2,687,956
Total Insured Shares and Deposits > $250K (item 17 less item K)
80,664,368
Total Interest Expense (Sum of items 6 8)
730,354
Share Certificates
893
Number of Accounts for Share Drafts
1,860
IRA KEOGH Accounts
116
Number of Accounts for Regular Shares
2,785
All other shares
150
Money Market Shares
466
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,970,858
Total Liabilities
87,864,739
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Cooperative Teachers Credit UnionHow many branches does Cooperative Teachers Credit Union operate?Cooperative Teachers 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 Cooperative Teachers Credit Union?Yes, to access services at Cooperative Teachers 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, Cooperative Teachers 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, Cooperative Teachers Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Cooperative Teachers Credit Union offer online and mobile banking?Most modern institutions like Cooperative Teachers 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://www.coopteachers.com. Current Cooperative Teachers Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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