Credit union · NCUA insured
Cooperative Teachers Credit Union Savings Rates
A $92.8M credit union headquartered in Tyler, TX, with 4,416 members and 2 branches in Texas.
How Cooperative Teachers Credit Union’s savings rates compare
Compared with banks and credit unions near Tyler, TX, where Cooperative Teachers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cooperative Teachers Credit Union
1.00%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $100
Individual Retirement Account (IRA)
Top rate
Altra Federal Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Christmas Club
Up to 4.00%APY
Must have a Regular Share Savings Account. Funds automatically transferred to Regular Savings on Nov. 1. No withdrawals allowed until maturity.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Applies to balances $100 to $10,000. Must have a Regular Share Savings Account. Funds automatically transferred to Regular Savings on Nov. 1. | 4.00% | $400 | Applies to balances $100 to $10,000. Must have a Regular Share Savings Account. Funds automatically transferred to Regular Savings on Nov. 1. |
| $10,000 and upApplies to balances over $10,000. Must have a Regular Share Savings Account. Funds automatically transferred to Regular Savings on Nov. 1. | 0.05% | $5 | Applies to balances over $10,000. Must have a Regular Share Savings Account. Funds automatically transferred to Regular Savings on Nov. 1. |
Sources (2)
All captured Sep 17, 2026
Individual Retirement Account (IRA)
1.00%APY
Offers Traditional IRA and Roth IRA options. Minimum deposit of $20.00 required to open an IRA. Dividends are compounded quarterly. Minimum balance of $1,000 required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and up1.00% Dividend Rate. Minimum balance of $1,000 is required to earn dividends. Dividends are compounded quarterly.$1,000 and up | 1.00% | $100 | 1.00% Dividend Rate. Minimum balance of $1,000 is required to earn dividends. Dividends are compounded quarterly. |
Sources (1)
- coopteachers.com/banking/iras · captured Sep 17, 2026
Who can join Cooperative Teachers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who work within a 10-mile radius of CTCU are eligible to join.
- Individuals who live, work, worship, or attend school in Smith County are eligible to join.
Military, government and schools
- Retired teachers or retired certified school personnel living in CTCU's service area are eligible to join.
- School employees in Kaufman, Hopkins, Rain, Smith, Wood, or Van Zandt County are eligible to join.
- Individuals who receive Teacher Retirement as a result of working in CTCU's service area are eligible to join.
Family and household
- Direct relatives of existing CTCU members are eligible to join.
1 more way to join
Other ways
- Members of the CTCU Foundation are eligible to join.
Membership information collected October 5, 2026.