What are the current interest rates at Cherokee County Teachers Federal Credit Union?

Current rates for Cherokee County Teachers Federal Credit Union include: 12-Month CD: 3.87%, 24-Month CD: 3.71%, Savings: 0.25%

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Cherokee County Teachers Federal Credit Union

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Cherokee County Teachers Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cherokee County 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: October 12, 2026

Cherokee County Teachers Federal Credit Union's top rates as of October 12, 2026 are 3.97% APY on its 6 Month CD, 0.25% APY on savings, and personal loans from 6.70% APR, according to rates verified by MonitorBankRates. Other Cherokee County Teachers Federal Credit Union CD rates include 12 Month CD at 3.87%, 24 Month CD at 3.71%, and 30 Month CD at 3.66%. MonitorBankRates evaluates the financial stability of Cherokee County Teachers Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.47%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.47%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Cherokee County Teachers Federal Credit Union
CHEROKEE COUNTY TEACHERS FCU

145 FM 2972 W
RUSK, TX 75785

https://www.ccteachers.com

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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.

Cherokee County Teachers Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificate	3.90%	3.97%	6 months
Min Deposit $5,000 Details Dividend Rate; APY Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.97% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
12 Month Certificate	3.80%	3.87%	12 months
Min Deposit $5,000 Details Dividend Rate; APY Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.87% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
24 Month Certificate	3.65%	3.71%	24 months
Min Deposit $5,000 Details Dividend Rate; APY Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
30 Month Certificate	3.60%	3.66%	30 months
Min Deposit $5,000 Details Dividend Rate; APY Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%

Cherokee County Teachers Federal Credit Union Savings Rates

Product	Rate	APY	View More
Share (Savings)	0.25%	0.25%
Details Share Dividend Rate as printed on page: ".25%" Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%

Cherokee County Teachers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	5.20%	Up to 72 months
Details W.A.C. 2026-2024; Deduct .25% with 20% or greater down payment; Deduct .50% with payroll deduction or automatic payment from CCTFCU checking; Deduct .25% for lower term than lowest stated term; Loan rates may be higher due to credit rating Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.20% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
New Vehicle Loan	-	-	5.45%	Up to 84 months
Details $35,000+ loan; W.A.C. 2026-2024; Deduct .25% with 20% or greater down payment; Deduct .50% with payroll deduction or automatic payment from CCTFCU checking; Deduct .25% for lower term than lowest stated term; Loan rates may be higher due to credit rating Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.45% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Used Vehicle Loan	-	-	5.70%	72 months
Details Model Years: 2024-2022; W.A.C.; Purchase only; NADA Loan Value; Deduct .50% with payroll deduction or automatic payment from CCTFCU checking; Deduct .25% with 20% or greater down payment; Deduct .25% for lower term than lowest stated term; Loan rates may be higher due to credit rating Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.70% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Used Vehicle Loan	-	-	5.95%	60 months
Details Model Years: 2021-2020; W.A.C.; Purchase only; NADA Loan Value; Deduct .50% with payroll deduction or automatic payment from CCTFCU checking; Deduct .25% with 20% or greater down payment; Deduct .25% for lower term than lowest stated term; Loan rates may be higher due to credit rating Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.95% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Used Vehicle Loan	-	-	6.20%	48 months
Details Model Years: 2019-2018; W.A.C.; Purchase only; NADA Loan Value; Deduct .50% with payroll deduction or automatic payment from CCTFCU checking; Deduct .25% with 20% or greater down payment; Deduct .25% for lower term than lowest stated term; Loan rates may be higher due to credit rating Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.20% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Used Vehicle Loan	-	-	6.45%	36 months
Details Model Years: 2017-2016; W.A.C.; Purchase only; NADA Loan Value; Deduct .50% with payroll deduction or automatic payment from CCTFCU checking; Deduct .25% with 20% or greater down payment; Deduct .25% for lower term than lowest stated term; Loan rates may be higher due to credit rating Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.45% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%

Cherokee County Teachers Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	6.70%	24 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.70% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%

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

Cherokee County Teachers Federal Credit Union’s Texas Ratio rose from 3.23% in Q3 2023 to 7.47% in Q2 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 and its Health Grade from A+ to A. 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
June 30, 2026	$14M	7.47%	5.0	A
March 31, 2026	$14M	5.35%	5.0	A+
December 31, 2025	$14M	6.84%	5.0	A
September 30, 2025	$14M	9.79%	5.0	A
June 30, 2025	$13M	7.12%	5.0	A
March 31, 2025	$14M	6.42%	5.0	A
December 31, 2024	$15M	6.16%	5.0	A
September 30, 2024	$15M	1.84%	5.0	A+
June 30, 2024	$15M	1.97%	5.0	A+
March 31, 2024	$15M	4.47%	5.0	A+
December 31, 2023	$14M	2.53%	5.0	A+
September 30, 2023	$15M	3.23%	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 Cherokee County 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 Cherokee County 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 Cherokee County Teachers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cherokee County Teachers Federal Credit Union

Website https://www.ccteachers.com

Address 145 FM 2972 W, RUSK, TX 75785

Phone 903-683-2630

Fax 903-683-5429

President RICKY HASSELL

CEO Kellie Jenkins

Full-Time Employees 4

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.47%

Return on Assets (ROA)

-0.8601%

Return on Equity (ROE)

-4.2966%

Non-Performing Loans Ratio (NPL)

2.13%

Total Assets

13,926,698

Total Amount of Shares and Deposits

11,161,539

Total Shares and Deposits < 1 Year

10,592,571

Total Shares and Deposits 1 3 Years

568,969

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

11,161,539

Total Interest Expense (Sum of items 6 8)

54,705

Share Certificates

Number of Accounts for Share Drafts

536

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,733

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)

910,212

Total Liabilities

11,185,066

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Cherokee County Teachers Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Cherokee County Teachers Federal Credit Union

How many branches does Cherokee County Teachers Federal Credit Union operate?

Cherokee County 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 Cherokee County Teachers Federal Credit Union?

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

Does Cherokee County Teachers Federal Credit Union offer online and mobile banking?

Most modern institutions like Cherokee County 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.ccteachers.com.