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 →

Taking charge of your financial health is one of the best ways to reduce stress and increase confidence in your future. Whether you’re a teacher, school employee, or anyone working in the educational field, understanding where you stand financially can help you make informed decisions about your money. Let’s dive into some simple, yet effective ways to assess and improve your financial situation. Step 1: Take a Close Look at Your Current Financial Situation Before making any changes, it's crucial to understand where your money is going. Read on →

As a teacher or school employee, you work hard to make a difference in the lives of students. But when it comes to managing your personal expenses, small changes can go a long way. One area where many overlook savings is their utility bills—energy and water costs that eat away at your monthly budget. Fortunately, Cleveland Bradley County Teachers Federal Credit Union (CBCTFCU) is here to help you unlock simple ways to lower those costs with minimal effort. Read on →

Teachers and school staff work hard every day, and transportation costs can really add up. Whether you’re driving to school or traveling for other work-related activities, there are plenty of ways to cut down on these expenses. Cleveland Bradley County Teachers Federal Credit Union is here to help you find some easy and practical solutions for saving money on commuting and travel. Plan Your Route and Save on Fuel One of the easiest ways to save money is by planning your route. Read on →

Are you looking for ways to stretch your budget without sacrificing quality? Thrifting and buying secondhand might be your secret weapon! With a little creativity and patience, you can uncover incredible deals while supporting sustainability. Whether you’re a teacher furnishing a classroom or a school employee refreshing your wardrobe, secondhand shopping offers benefits that go far beyond the price tag. Save Money Without Compromising Quality One of the biggest perks of buying secondhand is the financial savings. Read on →

As a teacher or school employee, you know how important it is to manage your finances wisely. Whether you’re working within a tight budget or just trying to save for the future, understanding how to identify and avoid impulse purchases can help you achieve your financial goals. Cleveland Bradley County Teachers Federal Credit Union is here to guide you through the process, offering some practical tips on how to spend more intentionally. Read on →

In today’s world, every penny counts, and learning how to negotiate your bills is an essential skill that can save you a significant amount of money. Whether it’s your cell phone service, internet provider, or insurance, being prepared and confident can make all the difference. Teachers and school employees, here are some handy tips to help you successfully lower your bills. #1. Do Your Homework Before diving into a negotiation, take some time to research. Read on →

When it comes to saving money, finding ways to be resourceful at home is a great place to start. Whether you’re a teacher on a budget or a school employee looking for simple DIY projects, making your own household items can help cut costs while adding a personal touch to your space. Cleveland Bradley County Teachers Federal Credit Union understands the importance of financial well-being and is here to share some fun and easy projects that anyone can try! Read on →

Are you looking for ways to save money and simplify your life? Embracing minimalism can help you achieve both! As teachers and school employees, it’s important to find ways to cut back on unnecessary spending while focusing on the things that truly matter. Minimalism is more than just decluttering your home—it’s about living intentionally, making mindful purchases, and saving money in the process. What is Minimalism? Minimalism is the practice of reducing excess in your life and focusing on the essentials. Read on →