Smart For All

No matter who you are or where you’re from, Teachers Federal Credit Union can help elevate your financial well-being with smarter products, smarter choices, and smarter saving.

Signing up is easy! Become a member today and take advantage of the complete range of financial products and services we offer.

We can even help you switch over from your old financial institution to a Teachers savings and checking account.


Join with Smart Checking   

Join with Share Draft Checking

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Member Benefits

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Innovative Products

Earn 0.65% APY* with a Smart Checking account from Teachers which is 9x the national average.1

Learn More About Smart Checking

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End to End Service

End to End Home Loan servicing. If your home loan starts here, your home loan stays here.

Teachers FCU Mortgage Center

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We’re not-for-profit and member-owned. That means our members come first.


Learn more about what our members have to say about being a part of the Teachers community.

The team at Teachers is patient and understanding. I always have an amazing experience!

Abigail P.

Join with Smart Checking

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1 Based on Comparison of Average Savings, Deposits and Loan Rates at Credit Unions and Banks, accurate as of June 25, 2021. Average rates may change quarterly.

*APY = Annual Percentage Yield. Qualified APY of 0.65% is for balances up to $10,000.00 only. Balances $10,000.01 or above will receive an APY of 0.10%. APY accurate as of 06/01/2021. We will use the daily balance method to calculate the interest on your account. We may change the interest rate paid for products and services used and the annual percentage yield at the Credit Union’s discretion at any time without notice. Fees may reduce earnings. You will earn the qualified APY and ATM rebate benefits when you do at least one of the following each statement period: Option #1: Maintain an average monthly balance of at least $5,000 in the Smart Checking account OR Option #2: Have $20,000 in combined end of month deposit balances OR Option #3: Maintain direct deposits of at least $500 per month AND complete 10 debit card purchases. Qualifying direct deposits include payroll or government benefits. Transactions that will not count towards direct deposits include external transfers, point of sale credits, and in-person check or cash deposits. Direct deposits must post and clear the account during the statement cycle. Limited to one product per primary owner. Members must enroll in Online Banking and E-Statements for this product type in order to remain eligible. If conditions are not met, members will not earn interest and not receive the ATM rebates for the next statement cycle. Members must requalify to earn interest and receive benefits. Non-Teachers FCU and out-of-network fees charged at U.S. ATMs will be refunded up to $15 per month if the account qualifications were met in the previous monthly statement cycle. Eligible ATM fees will be credited at the end of the statement cycle to the Smart Checking account that incurred the fee(s). Members cannot be enrolled in the Educated Choice program and have a Smart Checking account. We reserve the right to modify or change this agreement at any time. Dividends earned will be reported as interest on IRS Form 1099-INT (or Form 1042-S, if applicable). Federally insured by NCUA. For more information, please see a Teachers representative or call 1-800-341-4333.