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Cooperative Teachers Credit Union Rates and Review January 2026

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Cooperative Teachers Credit Union12-month CD rates can be found at 2.94%, 6-month CD rates at 3.20% and 3-month CD rates at 3.85%. Savings rates are at 3.50% and money market rates are at 0.30%. Mortgage rates on 30-year fixed loans are around 6.12%. Credit Card rates are at 8.90%. Personal Loan rates are at 10.25%. All these rates, and more, can be found in our database of rates which you can compare to Cooperative Teachers Credit Union rates.

Compare Cooperative Teachers Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Cooperative Teachers Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Rate Updates and Availability

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 CD rates or 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.

Overall, Cooperative Teachers Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

"N/A" indicates the product is not offered or the rate is unavailable.

Cooperative Teachers Credit Union
Cooperative Teachers Credit Union
1424 W Southwest Loop 323
Tyler, TX 75701 9347
Member NCUA
MonitorBankRates' Rating
5/5
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CD & Savings Rate Comparison

Bank
Product
APY
Min Dep
Campus Checking
10.47%
$100
12-Month CD
4.35%
$1,000
18-Month CD
3.60%
$500
60-Month CD
3.50%
$1,000
18-Month CD
3.50%
$1,000
36-Month CD
3.50%
$2,000
6-Month CD
3.43%
$1,000
3-Month CD
3.29%
$1,000
60-Month CD
3.00%
$1,000
18-Month CD
3.00%
$1,000
60-Month CD
3.00%
$500
60-Month CD
2.98%
$500
30-Month CD
2.78%
$1,000
60-Month CD (Jumbo)
2.75%
$100,000
24-Month CD
2.52%
$1,000
36-Month CD
2.52%
$1,000
48-Month CD
2.47%
$1,000
Business Prime Money Market
2.38%
$10,000
60-Month CD
2.05%
$1,000
48-Month CD
1.76%
$1,000
12-Month CD
1.55%
$500
12-Month CD
1.52%
$500
48-Month CD
1.25%
$500
Elite Savings
1.00%
$0
60-Month CD
0.80%
$1,000
FREE Kasasa Savings
0.75%
$25
24-Month CD
0.70%
$500
36-Month CD
0.70%
$500
120-Month CD
0.60%
$1,000
60-Month CD
0.60%
$500
Money Market
0.55%
$2,500
48-Month CD
0.45%
$1,000
Savings
0.43%
$100
48-Month CD
0.35%
$500
Money Market
0.35%
$2,500
Regular Savings
0.35%
$100
12-Month CD
0.30%
$0
Savings
0.30%
$200
60-Month CD
0.30%
$500
Statement Savings
0.15%
$25,000
Money Market
0.15%
$0
24-Month CD
0.15%
$500
Statement Savings
0.10%
$25
Money Market
0.07%
$500
Money Market
0.05%
$2,500
Premier Money Market
0.05%
$2,500
Money Market
0.03%
$0
Passbook Savings
0.02%
$10
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender
Product
Rate
APR
Points
5.375%
5.475%
0.000
7/1 ARM
7.000%
7.111%
0.000
15-Year Fixed (Jumbo)
5.375%
5.525%
0.750
30-Year Fixed Jumbo
6.500%
6.553%
0.000
15-Year Fixed
5.500%
5.601%
0.000
5.375%
5.804%
0.000
5.500%
6.059%
0.000
5.500%
5.591%
0.000
5.990%
6.290%
0.000
5.875%
5.888%
0.000
6.500%
6.218%
0.000
6.125%
6.266%
0.000
20-Year Fixed
5.750%
5.840%
0.000
4.750%
4.816%
0.000
15-Year Fixed
5.750%
6.044%
0.000
20-Year Fixed
6.125%
6.201%
0.000
15 Year Fixed
5.875%
6.356%
0.000
5.750%
5.827%
0.000
15-Year Fixed
5.625%
5.747%
0.250
30-Year Fixed
6.125%
0.000%
6.198
15-Year Fixed (Jumbo)
6.000%
6.000%
0.000
30-Year Fixed
6.000%
6.043%
0.000
30-Year Fixed
6.000%
6.000%
0.000
5.500%
5.620%
0.000
5.875%
6.359%
0.000
5.625%
6.037%
0.000
5.625%
6.117%
0.000
5.375%
5.468%
0.000
5/6 ARM
5.875%
5.947%
0.000
5.250%
5.452%
0.000
5/1 ARM
6.750%
6.859%
0.000
30-Year Fixed (Jumbo)
6.500%
6.546%
0.000
6.000%
6.113%
0.000
6.750%
6.880%
0.000
5.500%
5.659%
0.000
30 Year Fixed
6.000%
6.127%
0.000
15-Year Fixed Jumbo
5.750%
5.803%
0.000
6.999%
7.235%
0.000
10 Year Fixed
5.750%
5.883%
0.000
15-Year Fixed
5.375%
5.431%
0.000
6.125%
6.346%
0.000
30-Year Fixed
6.000%
6.115%
0.000
5.875%
6.055%
0.000
30 Year Fixed
5.750%
5.869%
0.000
15-Year Fixed
5.000%
5.177%
0.750
15-Year Fixed Jumbo
5.875%
6.246%
0.000
15-Year Fixed
5.375%
5.580%
0.000
30-Year Fixed
5.875%
5.978%
0.000
30-Year Fixed
6.000%
6.058%
0.000
7/6 Jumbo ARM
5.250%
6.056%
0.110
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Credit Card Rate Comparison

Institution
Product
APR
Notes
Academic VISA® Classic
15.400%
Security Service Power Travel Rewards World MasterCard
16.250% - 17.250%
Visa Signature® Cash Back
17.750%
18.000%
Visa Gold or Gold MasterCard
9.990%
Credit Line $7,000-$20,000
Visa Platinum Preferred Rewards
15.740% - 17.990%
Classroom Supply Visa
8.500%
Access FCU Visa Classic
13.500%
Platinum Visa
12.400% - 21.400%
The right choice if you carry a monthly balance & want to pay the lowest rate.
16.200%
10.150%
VISA Platinum with Rewards
8.900%
8.900% - 13.900%
Based upon credit worthiness.
Visa Platinum Preferred
14.240% - 17.990%
17.740%
Automatically get 1.5% cash back on all purchases with no fuss
3.990%
Introductory Rate of 3.99% APR for 12 months on transactions in the first 90 days.
SILICON SLOPES SIGNATURE VISA
18.000%
Unlimited 1% Cash Back .5% Donation Signature Card
Rewards Student Classic
16.500%
Credit Limit - $500
Access FCU Visa Gold
9.900%
Academic VISA® Gold
15.400%
Secure Card Visa
29.240%
A card that\'s perfect for anyone who wants to improve or establish their credit.
Visa Platinum Rewards
14.900%
Security Service Power Rewards MasterCard
18.000%
Visa Platinum Credit Card
8.500%
As low as 8.50%
16.100%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Personal Loan Rate Comparison

Institution
Product
APR
Loan Amt
Loan Term Months
12.740%
$0
36
Personal Loan
12.000% - 12.110%
$1,500 - $15,000
48 - 48
10.490%
$0
10.650%
$0
Next Step Loan
10.500%
$0
11.240% - 17.950%
$0
25 - 36
Unsecured Signature Loan
10.250%
$0
37 - 60
Personal Line of Credit
12.950% - 18.000%
$0
12.990%
$0
13 - 60
13.490%
$0 - $5,000
48 - 48
Overdraft Protection Loan
11.500% - 17.900%
$0 - $5,000
13.740%
$5,000
60 - 60
8.950%
$0
1 - 60
13.990%
$0
10.500%
$0
10.890%
$0
60
10.000%
$0
60
11.990%
$0
1 - 12
10.250% - 10.650%
$3,000 - $25,000
10.250% - 17.950%
$0
1 - 36
7.000%
$500 - $15,000
60
13.450%
$0
18.000%
$0 - $500
5
11.240% - 17.950%
$0
25 - 36
50% Share Secured Loan
6.460% - 14.990%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Cooperative Teachers Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: Cooperative Teachers Credit Union
Full Time Employees: 16
Part Time Employees: 2
President: Wayne Boshears
CEO: Tim Miller
Branch Locations: 2
ATM Locations: 2
Corporate Office Address:
1424 W Southwest Loop 323
Tyler, TX 75701 9347
Phone Number: 903-561-2603
Fax Number: 903-561-9394

Financials

Total Assets:
95,067,605
Total Amount of Shares and Deposits:
82,604,189
Total Shares and Deposits < 1 Year:
82,448,024
Total Shares and Deposits 1 3 Years:
153,130
Total Shares and Deposits > 3 Years:
3,034
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
2,335,538
Total Uninsured Shares and Deposits > $250K (F+J):
2,335,538
Total Insured Shares and Deposits > $250K (item 17 less item K):
80,268,651
Total Interest Expense (Sum of items 6 8):
1,379,833
Share Certificates:
887
Number of Accounts for Share Drafts:
1,975
IRA KEOGH Accounts:
119
Number of Accounts for Regular Shares:
3,069
All other shares:
165
Money Market Shares:
499
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
1,664,844
Total Liabilities:
89,305,969
Show More
Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Cooperative Teachers Credit Union

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.

Is there a first-time homebuyer program?

Currently, Cooperative Teachers Credit Union provides a range of mortgage and home equity products.

Is Cooperative Teachers Credit Union a safe place to deposit money?

Yes, Cooperative Teachers Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does Cooperative Teachers Credit Union offer online and mobile banking?

Most modern institutions like Cooperative Teachers Credit Union provide digital access including online balance checks and transfers.

Current Cooperative Teachers Credit Union Rates

ProductAPY

Rates subject to change.

Compare to other Credit Unions