Why CCTFCU?

The Colquitt County Teachers Federal Credit Union is a federally insured, member owned credit union that has been established since 1957. When you become a member of a credit union, you are not just a customer, but become part owner of a non-profit orgnaization that is governed by a board of directors who consist of your peer and who serve in this position as a non-paid volunteer. The purpose of the credit union is to provide a means for every member to save regularly and to furnish various types of loans to eliglbe members at competitive interest rates.

Who Can Join??
Our membership base is limited to employees of the Colquitt County Board of Education, Southern Regional Technical College and Colquitt Christian Academy, their spouses and children (ages 18 & under living in the same household or ages 19-24 enrolled in a 2-4 year college) Verification of employment and college enrollment (if applicable) will be required. Retired employees from the above listed entities are also eligible to become a member of CCTFCU.

How To Join
1) Complete Membership Application Form
2) Pay One-Time Membership Fee of $5.00
3) Purchase One $5.00 Share of CU Stock
4) Provide 2 Forms of Identification (ie Drivers License, SS Card, Passport, School ID)

Payroll Deduction
We make it convenient for our members to save and/or make their loan payments through the ease of payroll deduction. Your money comes straight to the credit union so you never have to worry about making your loan payments on time or forgetting to save for a rainy day.

Better than Bank Rates

Save more and spend less with CCTFCU’s market-leading interest rates on Savings & Loans.

Product	Rate	APY	Minimum Balance
Primary Savings	0.10%	0.10%	$5
$2500 Club	0.15%	0.15%	$2,500
Christmas Club	0.25%	0.25%	n/a
6 mo CD	0.30%	0.30%	$1,500
12 mo CD	0.40%	0.40%	$1,500
18 mo CD	0.50%	0.50%	$1,500
24 mo CD	0.60%	0.60%	$1,500

Year Models 2021-2022	APR
48 months	3.35%
60 months	3.50%
66 months	3.75%
72 months	4.00%
84 months	4.50%

Year Models 2019-2022	APR
48 months	3.75%
60 months	4.00%
66 months	4.25%
72 months	4.50%
84 months ($25,000 minimum)	4.95%

Year Models 2017-2018	APR
48 months	4.75%
60 months	5.00%
66 months	5.25%
72 months ($20,000 minimum)	5.50%

Year Models 2015-2016	APR
36 months	5.50%
48 months	6.00%
60 months	6.50%
66 months	7.00%

Year Model 2014	APR
24 months	6.00%
36 months	6.25%
48 months	6.50%
60 months ($15,000 minimum)	7.00%

Year Models 2013 & Older	APR
24 months	6.75%
30 months	7.00%
36 months	7.25%
48 months ($15,000 minimum)	7.50%

Motorcycles

Term (Mos)	APR
48	6.00
60	6.25
66	6.50
72	6.75

Boats & RV Loans

Term (Mos)	APR
48	5.50
60	5.75
66	6.00
72	6.25
84	6.50
120 (Minimum Financed Amt +$25,000)	7.00

Tractors & Lawn Mowers

Term (Mos)	APR
24	5.00
36	5.25
48	5.50
60	5.75

Product	Rate	APY	Minimum Balance
Money Market Savings	0.05%	0.05%	$100
Money Market	0.05%	0.05%	$500