Since 1953, CTCU has been committed to its members and community. From the very start, CTCU has been dedicated to teachers and giving back to local school districts. It was chartered by a group of Smith County educators with a mission of creating a thriving cooperative financial institution that will help its members achieve their financial goals by offering comprehensive financial products and services.

WE LOVE OUR MEMBERS…and YOU can become one too!

CTCU commits itself to serving its members in an honest manner that will benefit them and the community we live in. Even though teachers are the cornerstone of CTCU, anyone who lives, works, worships, or attends school in Smith County is eligible for membership.
Learn more about membership!


We’re here to support you through all stages of your financial journey. Whether you’re just learning about budgeting, credit scores, and how loans work – or you’re a seasoned pro; we have the products and services you need to thrive financially.


  • New Baby Program (under 1 year old) – We want to help your baby thrive financially! Sign your baby up to become a member of CTCU before their first birthday, and we will pay the $20* to open their Youth Savings Account AND deposit $100* into their Youth Certificate.
  • Super Saver Kids Club Savings (0-12 years old) – Education isn’t just about reading, writing and arithmetic. Being money-smart is important to your future, too! That’s why, at CTCU, when you open a Youth Savings Account you are automatically added to our Super Saver Kids Club! This club is designed to help encourage kids to save, teach them the importance of saving, and to have some fun along the way.
  • REAL Teen Checking (13-18 years old**) – A CTCU REAL Teen Checking Account is a great first checking account. There are no checks to buy – you access your money with a REAL debit card that you can use at ATMs and anywhere Mastercard is accepted. It’s faster and safer than using cash. There are many perks for teens as well as their parents. Perks for parents include automatic notifications sent via text alerts to parents if account reaches a predetermined balance, ability to set up automatic allowance, view/monitor all spending, set daily spending limits, and more.
  • Youth Certificates (0-18 years old) – Youth Certificates are available for kids from birth up to age 18. Members must have a Youth Savings Account (birth to 12 years old) or regular share savings (13-18 years old) prior to opening a Youth Certificate. Maximum amount deposited is $10,000. Maximum balance is $10,000 plus compounded yield. See disclosures for full details.

It’s true…WE LOVE OUR MEMBERS, but our communities love our members as well!

We were able to give over $100,000 back to our local community and school districts during 2019 through our CTCU Foundation. This was made possible by our members and we want to say THANK YOU! Even though we weren’t able to attend or host as many events as we usually do, we also gave over $100,000 in 2020 to our local communities and school districts.


That means any profits we make go back to our members in terms of lower loan rates, higher dividends, and we’ve even given bonus dividends for the past eight consecutive years.

Want to know more about our financials? View our Annual Reports here.

*The following qualifications apply to receive the New Baby Program incentive: One parent, legal guardian, or grandparent, must have a savings account with CTCU with a balance of at least $20, a checking account with CTCU, and direct deposit set up of at least $100 per month. You must mention this offer at the time of opening your child’s Youth Savings Account, the child must be younger than one year old at the time of account opening, and must meet requirements within 45 days of the child becoming a member. This offer cannot be combined with any other offers. Limit one offer per qualified parent, legal guardian, or grandparent. A penalty may be incurred if the parent, guardian, or grandparent, dissolves their membership within 6 months of becoming a member. Federally insured by NCUA.

**At the time of account opening, you must be at least 13 years old and not older than 18 years old. Upon reaching the age of 19, you must switch to an age-appropriate checking account. You are required to enroll in online banking, including E-Statements (electronic statements). You will not receive paper statements. You will be issued a debit card. You will not be issued paper checks. You are not allowed to obtain checks for this account, nor are you allowed to write checks against this account. Use of this account is restricted to the primary account holder, who must be under the age of 19

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