The Importance of Financial Literacy for Educators and Their Families Financial literacy is more than just understanding how to balance a checkbook or save for retirement—it's about making confident, informed decisions that shape a secure future. For educators and their families, mastering these skills can have a lasting impact not only on personal well-being but also on the communities they serve. Why Financial Literacy Matters for Educators Teachers dedicate their lives to educating others, but many face challenges when it comes to managing personal finances. Read on →

Summer in Cleveland, TN is a season filled with community events, family vacations, and preparation for the new school year. While this time of year is exciting, it can also bring added financial responsibilities. Cleveland/Bradley County Teachers Federal Credit Union understands the unique needs of educators and their families, especially when summer spending and planning intersect. Seasonal Spending and Budgeting For many families, summer expenses include childcare, travel, camps, and activities that can quickly add up. Read on →

Planning ahead financially is key for educators and their families, especially when balancing seasonal expenses with long-term goals. Certificates of Deposit (CDs) can be a smart option for members of Cleveland/Bradley County Teachers Federal Credit Union who want to grow their savings securely. What Is a CD? A Certificate of Deposit (CD) is a savings product that offers a fixed interest rate for a set period of time. Unlike traditional savings accounts, CDs often provide higher returns because you agree to leave your money untouched until the term ends. Read on →

Summer in Cleveland, TN brings longer days, family trips, and seasonal activities that often come with added expenses. From vacation planning to back-to-school preparation, local educators and their families may find themselves juggling a variety of financial priorities during these warm months. Cleveland/Bradley County Teachers Federal Credit Union understands these challenges and provides tools designed to make summer budgeting more manageable. Why Summer Budgets Matter According to a report from the National Credit Union Administration (https://ncua. Read on →

In a season full of local events, summer festivals, and school planning, it’s a great time to reflect on the role financial institutions play in our community. As a non-profit financial cooperative, Cleveland/Bradley County Teachers Federal Credit Union is more than just a place to manage money—it’s a partner in long-term community success. What Makes a Credit Union Different? Unlike traditional banks, credit unions are owned by their members and exist to serve—not profit from—them. Read on →

As the summer sun shines over Cleveland and Bradley County, it’s the perfect time for educators and their families to relax—and revisit their financial goals. Whether you're planning a family trip, tackling back-to-school shopping early, or simply looking to make your money stretch further, Cleveland/Bradley County Teachers Federal Credit Union is here to help. Why Summer is the Ideal Time for a Financial Reset Many educators experience a shift in income during the summer months. Read on →

Supporting Educators: Why Credit Unions Matter in Bradley County Educators shape the future of our community—and they deserve financial institutions that truly understand their needs. In Bradley County and Cleveland, TN, many teachers, school staff, and education families rely on local solutions like Cleveland Bradley County Teachers Federal Credit Union (CBCTFCU) for trusted financial support. The Value of Local Membership Unlike big banks, credit unions are built on the philosophy of “people helping people. Read on →

# Financial Wellness for Educators in Tennessee: Why It Matters More Than Ever In the world of education, it's easy to focus on students' futures while placing your own financial future on the back burner. Teachers and school employees give so much of themselves every day—yet, financial stress is a real challenge for many in the field. That’s why financial wellness is more than just a buzzword. For Tennessee educators, it’s an essential foundation for long-term security, peace of mind, and a more confident retirement. Read on →

Understanding the Benefits of Credit Union Membership for Educators in Tennessee For educators across Bradley County, Cleveland, and the surrounding areas, finding reliable and personalized financial services is essential. Between lesson plans, faculty meetings, and the responsibilities of shaping young minds, financial wellness should feel secure and stress-free. That’s where Cleveland Bradley County Teachers Federal Credit Union steps in—offering a smarter way to bank for school employees and their families. Read on →

Preparing for Retirement as an Educator: What You Should Know Retirement may feel like a distant goal when you're deep in the school year, but the earlier you prepare, the smoother your transition will be. For educators in Bradley County and nearby districts, understanding your retirement options is a key step toward long-term financial confidence. Why Retirement Planning Is Different for Educators Unlike many in the private sector, teachers and school staff often rely on a mix of pension systems, personal savings, and supplemental investments. Read on →