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Knox County Teachers Federal Credit Union

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Knox 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, Knox 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 14, 2026

Knox County Teachers Federal Credit Union's Personal Loan Rates are as low as 9.00%. Knox County Teachers Federal Credit Union's Credit Card Rates are at 12.90%. MonitorBankRates evaluates the financial stability of Knox County Teachers Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.81%. Rates last updated and verified on 09/14/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.81%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Knox County Teachers Federal Credit Union
North Office

6821 Maynardville Pike
Knoxville, TN 37918-5310

https://www.kctfcu.org

Knox County Teachers Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts	0.10%	0.10%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Regular Share Account ($10,000.00)	0.10%	0.10%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Regular Share Account ($2,000.00)	0.10%	0.10%
Min Balance $2,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Regular Share Account ($25,000.00)	0.10%	0.10%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Regular Share Account ($5.00)	0.10%	0.10%
Min Balance $5 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%

Knox County Teachers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.50%	60
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
New Auto Loan	4.50%	-	4.50%	60 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
New Auto	-	-	4.75%	72
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
New Auto Loan	4.75%	-	4.75%	72 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Used Auto 2017-2018	-	-	4.99%	36
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Used Auto 2019-2020	-	-	4.99%	48
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Used Auto 2021 - 2025 (on purchased vehicles)	-	-	4.99%	66*
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Used Auto Loan 2017-2018	4.99%	-	4.99%	36 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Used Auto Loan 2019-2020	4.99%	-	4.99%	48 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Used Auto Loan 2021 - 2025 (on purchased vehicles)	4.99%	-	4.99%	66 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Used Auto 2011-2016	-	-	6.25%	36
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Used Auto Loan 2011-2016	6.25%	-	6.25%	36 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Used Auto 2010 and Older	-	-	7.00%	36
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Used Auto Loan 2010 and Older	7.00%	-	7.00%	36 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%

Knox County Teachers Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	12.90%	12.90%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%

Knox County Teachers Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan - 12	9.00%	12
Details APR range up to 9.000% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Signature Loan - 12 months	9.00%	12 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Signature Loan - 24	10.00%	24
Details APR range up to 10.000% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Signature Loan - 24 months	10.00%	24 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Signature Loan - 36	11.00%	36
Details APR range up to 11.000% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Signature Loan - 36 months	11.00%	36 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Signature Loan - 48-60	14.00%	48-60
Details APR range up to 14.000% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Signature Loan - 48-60 months	14.00%	48-60 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%

Knox County Teachers Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Bus Loans	5.00%	-	5.00%	120 months
Details Depending on year Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Bus Loans (Depending on year)	-	-	5.00%	year
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Bus Loans (Depending on year) - year 120	-	-	5.00%	year 120
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Collateral Loans - Used - 2011 and older	-	-	6.00%	36
Details COLLATERAL LOANS BASED ON CURRENT OWNERSHIP Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Collateral Loans - Used - 2011 and older	6.00%	-	6.00%	36 months
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Used Collateral Loan 2012 - 2013	6.00%	-	6.00%	48 months
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Used Collateral Loan 2014 - 2019	6.00%	-	6.00%	60 months
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
Vacant Land Loan	9.00%	-	9.00%	120 months
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
VISA CREDIT CARD	-	-	12.90%
Details Limited up to $7500.00 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%
IRA Accounts	0.10%	-	0.10%
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.81%

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

Knox County Teachers Federal Credit Union’s Texas Ratio rose from 0.29% in Q2 2023 to 0.81% 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

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	$34M	0.81%	5.0	A+
December 31, 2025	$34M	1.94%	5.0	A+
September 30, 2025	$34M	0.21%	5.0	A+
June 30, 2025	$33M	5.10%	5.0	A+
March 31, 2025	$34M	0.71%	5.0	A+
December 31, 2024	$33M	0.55%	5.0	A+
September 30, 2024	$34M	0.24%	5.0	A+
June 30, 2024	$35M	0.17%	5.0	A+
March 31, 2024	$35M	1.79%	5.0	A+
December 31, 2023	$35M	1.01%	5.0	A+
September 30, 2023	$36M	0.50%	5.0	A+
June 30, 2023	$36M	0.29%	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 Knox 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 Knox 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 Knox County Teachers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Knox County Teachers Federal Credit Union

Website https://www.kctfcu.org

Address 6821 Maynardville Pike, Knoxville, TN 37918-5310

Phone 865-922-7481

Fax 865-922-7488

President Robert Huff

CEO Julie McMillan

Full-Time Employees 6

Part-Time Employees 1

Branch Locations 2

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+ (100/100)

Texas Ratio

0.81%

Return on Assets (ROA)

0.3374%

Return on Equity (ROE)

2.2264%

Non-Performing Loans Ratio (NPL)

0.21%

Total Assets

34,369,425

Total Amount of Shares and Deposits

28,932,421

Total Shares and Deposits < 1 Year

28,906,381

Total Shares and Deposits 1 3 Years

26,040

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

734,149

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

734,149

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

28,198,272

Total Interest Expense (Sum of items 6 8)

5,910

Share Certificates

Number of Accounts for Share Drafts

911

IRA KEOGH Accounts

Number of Accounts for Regular Shares

608

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)

5,744,117

Total Liabilities

29,160,296

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Knox County Teachers Federal Credit Union earned the Verified Healthy badge

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Total Reviews

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Frequently Asked Questions About Knox County Teachers Federal Credit Union

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

Knox 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 Knox County Teachers Federal Credit Union?

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

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

Most modern institutions like Knox 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.kctfcu.org.