Welcome to CTCU.

At CTCU, we’re more than just a financial institution—we’re a community. Founded in 1953 by a dedicated group of Smith County educators, Cooperative Teachers Credit Union was established with a mission to be a thriving financial institution that helps people achieve their financial goals. Since then, CTCU has evolved into a community credit union open to anyone who lives, works, or worships in our area. However, our passion for education and educators remains at the heart of what we do.

WHAT DOES IT MEAN TO BE A MEMBER OF CTCU?

  • Ownership and Benefits

    As a member, you are also an owner. This means that our earnings are returned to you through lower loan rates and higher savings dividends. Your ownership ensures that we focus on your financial well-being.

  • Member-Centric Decisions

    Our decisions are driven by the goal of serving your best interests. Unlike traditional banks that prioritize profits, our cooperative model ensures that every choice we make benefits you, our valued member.

  • Community and Support

    Joining CTCU means becoming part of a supportive and cooperative community. We’re committed to helping you achieve your financial goals with transparency, personalized service, and a deep-rooted dedication to education.

Membership Requirements

  • Persons that live, work, worship or attend school in Smith County.
  • School employees in the following counties: Kaufman, Hopkins, Rains, Smith, Wood and Van Zandt.
  • Employee groups that are located within 10 miles of the credit union may apply.
  • Direct relatives of any member.
  • Persons receiving Teachers Retirement as a result of working in our service area.
  • Retired teachers and retired certified school personnel who live in our service area. *Service area as herein described is to mean the counties in which schools or colleges or universities are located as otherwise described in our eligible field of membership
  • Any business or organization whose employees or members are within this field of membership.
  • CTCU Foundation members.
CTCU Membership Requirements

Our Mission and Values

Our Mission

Our purpose is to create a thriving cooperative financial institution that will help our members achieve their financial goals by offering comprehensive financial products and services that they can receive in person, on-line or wherever they may be.

Our Vision

To be the Primary Financial Institution for our Field of Membership.

Core Values - What We Stand For

The Credit Union commits to consistently serve our members in an honest manner that will benefit them and the community we live in.

  • Commitment

    Promise to be here in the future when you need us.

  • Consistency

    Conduct ourselves in the same quality way, time and again.

  • Membership

    Members are the Owners of the Credit Union.

  • Honesty

    Fair and straightforward.

  • Community

    We are linked together by a common interest of where we live, work and worship.

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