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iAdvertiser Disclosure
Advertiser Disclosure
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 Teachers Credit Union Rates & Review September 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: September 22, 2026
Teachers Credit Union's CD (CD) - 12 month rates are at 3.55%, CD (CD) - 182 day rates are at 3.28%, CD (CD) - 91 day rates are at 3.09%, CD (CD) - 48 month rates are at 2.98%, CD (CD) - 36 month rates are at 2.88%. Teachers Credit Union's savings rates are at 0.25%. Teachers Credit Union's 15 Year Fixed rates are at 6.20%, 10 Year Fixed rates are at 6.30%. Teachers Credit Union's Personal Loan Rates are as low as 8.99%. MonitorBankRates evaluates the financial stability of Teachers Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.60%. Rates last updated and verified on 09/22/2026. 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 Teachers Credit Union? Share your experience about Teachers Credit Union by leaving a review below, or read customer reviews before you decide to use Teachers Credit Union. Teachers Credit Union
Teachers Credit Union 2315 Prairie Ave
https://www.tcubeloit.org Beloit, WI 53511-2623 
Teachers Credit Union CD Rates
Teachers Credit Union Savings Rates
Teachers Credit Union Mortgage Rates
Teachers Credit Union Auto Loan Rates
Teachers Credit Union Personal Loan Rates
Teachers Credit Union Other Rates
Financial Health HistoryTeachers Credit Union’s Texas Ratio rose from 0.07% in Q2 2023 to 0.60% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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 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 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 Teachers Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Teachers Credit Union
Website
https://www.tcubeloit.org
Address
2315 Prairie Ave,
Beloit, WI 53511-2623
Phone
608-362-8983
Fax
608-362-6656
President
Terry McCann
CEO
Amy Jacobson
Full-Time Employees
6
Part-Time Employees
3
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.60%
Return on Assets (ROA)
0.2470%
Return on Equity (ROE)
2.0466%
Non-Performing Loans Ratio (NPL)
0.16%
Total Assets
37,588,259
Total Amount of Shares and Deposits
32,972,273
Total Shares and Deposits < 1 Year
32,862,301
Total Shares and Deposits 1 3 Years
109,972
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,267,932
Total Uninsured Shares and Deposits > $250K (F+J)
1,267,932
Total Insured Shares and Deposits > $250K (item 17 less item K)
31,704,341
Total Interest Expense (Sum of items 6 8)
58,700
Share Certificates
218
Number of Accounts for Share Drafts
1,446
IRA KEOGH Accounts
46
Number of Accounts for Regular Shares
3,411
Net Income (unless the amount is already included in Undivided Earnings)
92,841
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)
1,581,352
Total Liabilities
33,051,961
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Teachers Credit UnionHow many branches does Teachers Credit Union operate?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 Teachers Credit Union?Yes, to access services at 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, 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, Teachers Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Teachers Credit Union offer online and mobile banking?Most modern institutions like 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.tcubeloit.org. Current Teachers Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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