Teachers Federal Credit Union
Headquarters
Po Box 9005
Smithtown, NY 11787
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Phone 1-631-698-7000
2025 Overview
General Credit Union Information
Teachers is an NCUA insured institution located in Smithtown, NY. It was founded in 1952 and has approximately $9864.02 millions in assets.
Who can join?
All Long Islanders* can bank at TFCU
TFCU is a not-for-profit, member-owned financial institution which exists to serve our members. This means unlike other financial institutions, we have fewer fees and more favorable rates, adding up to a great financial deal.
TFCU offers financial services to all people and businesses located in Nassau and Suffolk* Counties!
Persons who live, work (or regularly conduct business in), worship, or attend school in and businesses and other legal entities located in Nassau County, New York, or the following portions of Suffolk* County, New York can join TFCU: Town of Huntington; Town of Babylon; Town of Smithtown; Town of Islip; Town of Brookhaven; the Poospatuck Reservation; Town of Riverhead; or Town of Southold.
Family members of those who are already members are also eligible to join, too, and enjoy the complete range of financial products and services we offer. TFCU will continue to serve all current members and their families.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 8116 |
| Date Established | 1952 |
| Assets | $9,864.02 million |
| Loans | $6,109.40 million |
| Deposits | $8,220.71 million |
| Capital | $989.66 million |
Field of Membership Restrictions
Membership in Teachers Federal Credit Union is open to those who live, work, attend school, regularly conduct business, or worship in Nassau County or the Towns of Huntington, Babylon, Smithtown, Islip, Brookhaven, Riverhead, Southold, or the Poospatuck Reservation in Suffolk County, New York.
Deposit Rates - July 5, 2025
Your Current Location: Florida, FL 10007
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.10% | $1 | - |
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|
Money Market
|
0.50% | $2,500 | $24,999 |
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|
Money Market
|
0.60% | $25,000 | $49,999 |
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|
Money Market
|
0.75% | $50,000 | $99,999 |
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|
Money Market
|
1.00% | $100,000 | $249,999 |
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|
Money Market
|
1.10% | $250,000 | $499,999 |
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|
|
Money Market
|
1.50% | $500,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Month
|
3.25% | $1,000 | - |
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| 3 Month Jumbo
|
3.25% | $100,000 | - |
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| 6 Mo CD
|
4.00% | $1,000 | - |
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| 6 Mo CD
|
4.00% | $100,000 | - |
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| 8 Month Jumbo
|
3.75% | $100,000 | - |
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| 9 Month
|
3.75% | $1,000 | - |
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|
| 12 Mo CD
|
3.75% | $1,000 | - |
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| 12 Mo CD
|
3.75% | $100,000 | - |
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| 16 Month
|
3.00% | $1,000 | - |
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| 18 Mo CD
|
3.00% | $1,000 | - |
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| 24 Mo CD
|
3.00% | $1,000 | - |
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| 36 Mo CD
|
3.00% | $1,000 | - |
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| 48 Mo CD
|
3.00% | $1,000 | - |
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| 60 Mo CD
|
3.00% | $1,000 | - |
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| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Smart Checking
|
2.50% | $0 | $15,000 | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Free Checking | 0.00% | $0 | $0.00 | Learn More |
Loan Rates - July 5, 2025
Your Current Location: Florida, FL 10007
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.25% | 5.25% | Varies | |
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| 10 Year Loan
See Table |
4.49% | 4.49% | $1,035.90 | |
| 15 Year Loan
See Table |
5.24% | 5.24% | $803.35 | |
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 3.09% | 3.09% | $728.02 | |
| 4 Year | 3.09% | 3.09% | $554.35 | |
| 5 Year | 3.09% | 3.09% | $450.22 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 7 Year Adjustable Conforming See Amortization Table |
7.25% | 6.00% | $1,918.56 | |
| 7 Year Adjustable Jumbo See Amortization Table |
7.22% | 6.00% | $1,918.56 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.08% | 6.25% | $1,970.30 | |
| 10 Year Adjustable Jumbo See Amortization Table |
7.06% | 6.25% | $1,970.30 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.42% | 6.38% | $2,766.48 | |
| 15 Year Fixed Conforming See Amortization Table |
6.47% | 6.38% | $2,766.48 | |
| 20 Year Fixed Jumbo See Amortization Table |
6.79% | 6.75% | $2,433.16 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 7 Year Adjustable Conforming See Amortization Table |
7.25% | 6.00% | $1,918.56 | |
| 7 Year Adjustable Jumbo See Amortization Table |
7.22% | 6.00% | $1,918.56 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.08% | 6.25% | $1,970.30 | |
| 10 Year Adjustable Jumbo See Amortization Table |
7.06% | 6.25% | $1,970.30 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.42% | 6.38% | $2,766.48 | |
| 15 Year Fixed Conforming See Amortization Table |
6.47% | 6.38% | $2,766.48 | |
| 20 Year Fixed Jumbo See Amortization Table |
6.79% | 6.75% | $2,433.16 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Teachers branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Clearwater,Florida
Teachers Locations around zip code 10007
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1014.12 | A | View Lobby Hours | |
| 1019.58 | B | View Lobby Hours | |
| 1019.70 | C | View Lobby Hours | |
| 1020.94 | D | View Lobby Hours | |
| 1020.99 | E | View Lobby Hours | |
| 1021.54 | F | View Lobby Hours | |
| 1022.23 | G | View Lobby Hours | |
| 1024.49 | H | View Lobby Hours | |
| 1024.60 | I | View Lobby Hours | |
| 1027.62 | J | View Lobby Hours | |
| 1028.67 | K | View Lobby Hours | |
| 1029.03 | L | View Lobby Hours | |
| 1029.07 | M | View Lobby Hours | |
| 1029.95 | N | View Lobby Hours | |
| 1030.10 | O | View Lobby Hours | |
| 1032.89 | P | View Lobby Hours | |
| 1037.03 | Q | View Lobby Hours | |
| 1044.08 | R | View Lobby Hours |
Climate Policy and Initiatives
TEACHERS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Teachers Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Teachers. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Teachers | U.S. Average |
|---|---|
| 9.70% | 7.07 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2024, Teachers had $95,882,491 in non-current loans and $4,609,088 in owned assets. To cover these potential losses it had $989,655,282 in net worth and $46,593,166 in loans loss reserves. That gives it a Texas Ratio of 9.70%.
Net Worth
| Teachers | U.S. Average |
|---|---|
| 10.01% | 14.25% |
Teachers FCU has a net worth of 10.01% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Teachers
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