Become a Member

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