Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Loans
Savings are Heating Up!In January we launched our “Savings are Heating Up”campaign to encourage members to save money by switching their car and home loans to us. We lowered our Mortgage Rates to as low as 2.5% and extended our 1.99% New and Used Auto Loan in hopes that our members would take advantage of these great rates. The campaign has taken off, and in just three months we have saved our members over $180,000. This is far beyond what we could have imagined, and the best part of all is that money has gone back into the pockets of our members. So if you have not taken advantage of these great rates yet, take the time to give us a call and let us help make you a part of these great savings!
Spring Loan
Have you been planning a home renovation? Are you ready for that special much needed vacation? If so, our Spring Loan is here for you. Until April 30th you can borrow up to $1500 and pay it back in 15 monthly payments at only 7% interest. So if you're looking to spruce up your home or you just need to get away for a while, come in and see Karen or Debbie and let us help you with your plans!
Download a Mortgage Application
Click on the above link to fill out the application.
PRINT and fax to: 423-476-5262, or mail to PO Box 4168,
Cleveland, TN 37320-4168. This application should not be submitted via email due
to security reasons.
Buy A Home
We all know that home is where the heart is. And when faced with the prospect of a new home purchase for you and your family, the commitment and unfamiliar territory can be quite intimidating. 
At the Cleveland/Bradley Co. Teachers Federal Credit Union, you know people you can trust. That’s one of the most important things that makes a credit union mortgage different. We have the knowledge to find a mortgage loan that meets your needs and your budget.
We offer a full line of mortgage options including:
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Fixed-rate mortgages |
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Adjustable rate mortgages |
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Terms ranging from 8 to 20 years |
And, you can get pre-approval for any of our mortgage loans. That way you can shop as a cash buyer – a significant advantage.
The Cleveland/Bradley County Teachers Federal Credit Union has a mortgage that is right for you. There’s no greater convenience than having your mortgage loan and all your other financial services in one place!
Come See us First
The old vehicle got you through the winter, but now you’re thinking of a new car, truck, or SUV for those vacation months ahead. Make your first stop at the Credit Union and get pre-approved for a vehicle loan before you visit the dealership. With a pre-approved loan, you can visit the dealer in a position of authority and negotiate the best “cash” price that puts any dealer/manufacturer incentives back in your pocket rather than subsidizing a “low interest” loan of their choosing. By visiting the Credit Union first, you can also find out dealer cost on most any given vehicle and negotiate up from dealer cost, rather than down from some arbitrary “retail” price that the dealer establishes. Call or stop by the Credit Union today and let us help put you in the vehicle that’s best for you at the right price.
Other Consumer Loans Offered
The Cleveland/Bradley County Teachers Federal Credit Union offers many types of loans for its members. We tailor our loans to fit the wants and needs of our members. The following is a sample of the different types of loans we offer. If you need to borrow money then call us first. We have excellent terms and comparable rates. We strive to offer just what you need.
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Signature Loans |
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Share Secured Loans |
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Automobile Loans |
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First and Second Mortgages |
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Home Equity Loans |
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Recreational Vehicle Loans |
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New Major Appliance Loans |
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Personal Computer |
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And many more . . . |
The VISA Check Card from Cleveland/Bradley County Teachers Federal Credit Union works like a check only BETTER!
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A Credit Union issued ATM card with the VISA logo on it |
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A more convenient, faster, safer alternative to cash and paper checks |
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Easy to carry |
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Accepted nationwide |
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Easy record-keeping |
Late Fees Adopted
Effective May 1st, 2010, a $25 late fee will be charged to loans that are over 30 days past due. The $25 late charge will be applied every 30 days until the loan is brought up to date.