Credit union · NCUA insured
Cherokee County Teachers Federal Credit Union
A $13.7M credit union headquartered in Rusk, TX, with 1,746 members and 1 branch in Texas. Best rates: CDs 3.97% and savings 0.25% APY.
Cherokee County Teachers Federal Credit Union Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#4 of 6 in Jacksonville, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cherokee County Teachers Federal Credit Union
Cherokee County Teachers Federal Credit Union was organized in 1955 to provide low-interest loans and high-yield savings accounts to teachers serving in local school districts.
Based in Rusk, Texas, the member-owned credit union is governed by an elected volunteer board of directors.
- Headquarters
- 145 FM 2972 W, Rusk, TX 75785
- NCUA charter
- 10269
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Rusk, Texas are eligible for membership.
Employers and groups
- Employees of Cherokee County Electric Cooperative are eligible for membership.
Military, government and schools
- Employees of Cherokee County Appraisal District are eligible for membership.
- Cherokee County employees are eligible for membership.
- Employees of Cherokee County independent school district are eligible for membership.
Family and household
- Individuals who have an immediate family member who is a member are eligible for membership.
Cost to join
- Membership requires opening and depositing $25.00 into a share savings account as a minimum balance.
Branches
1 branch in Texas
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Texas
1 branch
- Cherokee County Teachers FcuMain office145 Farm To Market Rd 2972 W, Rusk, TX 75785Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 20.02% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.13% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.74% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $90 | $59 | — |
- CapitalNet worth ratio20.02%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.13%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.74%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$90Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Cherokee County Teachers Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.