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Teachers Federal Credit Union

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Teachers Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Teachers Federal Credit Union's Auto Loan Rates are as low as 5.27%. MonitorBankRates evaluates the financial stability of Teachers Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.83%. Rates last updated and verified on 09/23/2026.

Teachers 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 Teachers Federal Credit Union? Share your experience about Teachers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Teachers Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.83%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Teachers Federal Credit Union
Headquarters

102 Motor Pkwy
Hauppauge, NY 11788

https://www.teachersfcu.org

Teachers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	5.27%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%

Teachers Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Home Equity HELOC	-	-	3.99%
Details HELOC Special Offer Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%

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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Financial Health History

Teachers Federal Credit Union’s Texas Ratio rose from 4.80% in Q2 2023 to 5.83% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$9.9B	5.83%	5.0	A+
December 31, 2025	$9.9B	6.42%	5.0	A
September 30, 2025	$9.9B	5.87%	5.0	A+
June 30, 2025	$9.9B	6.21%	5.0	A
March 31, 2025	$9.9B	5.28%	5.0	A+
December 31, 2024	$9.9B	7.03%	5.0	A
September 30, 2024	$9.8B	6.17%	5.0	A
June 30, 2024	$9.8B	6.55%	5.0	A
March 31, 2024	$9.9B	7.96%	5.0	A
December 31, 2023	$9.9B	8.31%	5.0	A
September 30, 2023	$9.8B	6.09%	5.0	A
June 30, 2023	$9.7B	4.80%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Teachers 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 Teachers 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 Teachers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Teachers Federal Credit Union

Website https://www.teachersfcu.org

Address 102 Motor Pkwy, Hauppauge, NY 11788

Phone 631-698-7000

Fax

President TIMOTHY SOUTHERTON

CEO Brad Calhoun

Full-Time Employees 902

Part-Time Employees 37

Branch Locations 34

ATM Locations 33

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.83%

Return on Assets (ROA)

0.2544%

Return on Equity (ROE)

2.3532%

Non-Performing Loans Ratio (NPL)

1.19%

Total Assets

9,940,455,758

Total Amount of Shares and Deposits

8,257,366,289

Total Shares and Deposits < 1 Year

7,827,631,164

Total Shares and Deposits 1 3 Years

363,530,827

Total Shares and Deposits > 3 Years

66,204,298

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

725,096,983

Total Uninsured Shares and Deposits > $250K (F+J)

793,804,803

Total Insured Shares and Deposits > $250K (item 17 less item K)

7,463,561,486

Total Interest Expense (Sum of items 6 8)

46,170,718

Share Certificates

64,015

Number of Accounts for Share Drafts

234,526

IRA KEOGH Accounts

15,597

Number of Accounts for Regular Shares

566,875

Non Member Deposits

Money Market Shares

31,082

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)

591,055,439

Total Liabilities

8,885,322,263

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Teachers Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

There are no reviews for Teachers Federal Credit Union yet. Feel free to create one below.

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Average Rating

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Total Reviews

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Frequently Asked Questions About Teachers Federal Credit Union

How many branches does Teachers Federal Credit Union operate?

Teachers 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 Teachers Federal Credit Union?

Yes, to access services at Teachers 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, Teachers 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, Teachers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Teachers Federal Credit Union offer online and mobile banking?

Most modern institutions like Teachers 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://www.teachersfcu.org.