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%, 60-Month CD: 3.56%, 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 September 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: September 20, 2026

Cherokee County Teachers Federal Credit Union's 6 Month CDs rates are at 3.97%, 12 Month CDs rates are at 3.87%, 24 Month CDs rates are at 3.71%, 30 Month CDs rates are at 3.66%, 60 Month CDs rates are at 3.56%. Cherokee County Teachers Federal Credit Union's savings rates are at 0.25%. Cherokee County Teachers Federal Credit Union's Personal Loan Rates are as low as 6.70%. 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 5.35%. Rates last updated and verified on 09/20/2026.

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 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

5.35%

Excellent Lower 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

Cherokee County Teachers Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificates	3.90%	3.97%	6 months
Min Deposit $5,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
12 Month Certificates	3.80%	3.87%	12 months
Min Deposit $5,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
24 Month Certificates	3.65%	3.71%	24 months
Min Deposit $5,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
30 Month Certificates	3.60%	3.66%	30 months
Min Deposit $5,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
60 Month Certificates	3.50%	3.56%	60 months
Min Deposit $5,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%

Cherokee County Teachers Federal Credit Union Savings Rates

Product	Rate	APY	View More
Share(savings)/Share Draft	0.25%	0.25%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%

Cherokee County Teachers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles-W.A.C.- 2026-2024 Loan	-	-	5.20%	Up to 72 months
Details Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
New Vehicles-W.A.C.- 2026-2024 Loan	-	-	5.45%	Up to 84 months
Details Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
Used Vehicles--WAC. Purchase only NADA LOAN VALUE 2024--2022	-	-	5.70%	72 months
Details Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
Used Vehicles--WAC. Purchase only NADA LOAN VALUE 2021-2020	-	-	5.95%	60 months
Details Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
Used Vehicles--WAC. Purchase only NADA LOAN VALUE 2019--2018	-	-	6.20%	48 months
Details Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%
Used Vehicles--WAC. Purchase only NADA LOAN VALUE 2017-2016	-	-	6.45%	36 months
Details Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%

Cherokee County Teachers Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan maximum with approved credit	6.70%
Details up to $5,000.00; LOAN RATES MAY BE HIGHER DUE TO CREDIT RATING. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.35%

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 4.68% in Q2 2023 to 5.35% 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	$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+
June 30, 2023	$15M	4.68%	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 0

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+ (97/100)

Texas Ratio

5.35%

Return on Assets (ROA)

0.2011%

Return on Equity (ROE)

0.9748%

Non-Performing Loans Ratio (NPL)

1.58%

Total Assets

13,694,120

Total Amount of Shares and Deposits

10,917,421

Total Shares and Deposits < 1 Year

10,365,145

Total Shares and Deposits 1 3 Years

552,276

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

10,917,421

Total Interest Expense (Sum of items 6 8)

27,006

Share Certificates

Number of Accounts for Share Drafts

536

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,756

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)

1,503,157

Total Liabilities

10,923,024

Source: NCUA — Last Updated 03/31/2026

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.