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. 
What’s New!
• Job Opportunity: Collections Admin-Member Services Rep
• Read the July 2010 Newsletter
• New Rules for Overdrafts on Debit Cards and ATM
• Back to School Loan Special...
• Late Fees Adopted
Welcome
The Cleveland Bradley County Teachers Federal Credit Union (CBCTFCU) offers competitively-priced financial products and services to benefit you and your family, in the spirit of helping people.
As a not-for-profit organization, we are governed and owned by our members, so once you join, you’re not only a member, you are an owner too!
We want CBCTFCU to be your one-stop shop for all financial products and services. In addition to the savings and loan products you’ll have at your fingertips as a member, we also offer:
- Direct deposit
- FREE Online Account Access with FREE Bill-Pay
- Share Draft (checking) accounts
- Student free checking accounts
- Golden Apple free checking (over 55)
- American Express Traveler’s Cheques
- Free notary service
- Coin counting machine free usage
- Cashier’s checks
- Money orders
- Safe deposit boxes
- Theme park discount tickets
- Vehicle extended warranty
- Credit life insurance
- Guaranteed asset protection
For more information on all of the products and services we offer, stop by our office today. We're on the corner of Central and Oak in downtown Cleveland, Tennessee.
To learn more about what membership with the Teachers Credit Union can offer you, read on.
Job Opportunity
Collections Admin-Member Services Representative
There is an immediate opportunity with the Cleveland/Bradley County Teachers Federal Credit Union for a Collections Administrator/Member Services Representative to join our team.
The successful candidate will be responsible for handling the day-to-day collection efforts of past due loans and ensuring there is adequate follow-up when necessary. Duties also include administration of all related files and transactions, ensuring proper policies and procedures are in place and being used, as well as administration for repossessions, demand letters, and court actions as necessary. In addition to collections, serving the membership on the teller line is required.
The ideal candidate will have several years of collections and credit experience with strong communication and organizational skills. In addition, attention to details and general accounting knowledge is required. The abilities to problem solve, identify concerns, and be pro-active and positive are strengths for this position. Cash handling and customer service experience is desired.
To apply, submit your resume via email to lsims@cbctfcu.com;
or mail to PO Box 4168, Cleveland, TN 37329-4168;
or Fax to 423-476-5262.
New Rules for Overdrafts on Debit Cards and ATM
Effective July 1, 2010 for new members, and August 15, 2010 for current members, we will
not authorize and pay overdrafts for ATM and debit card transactions unless you ask us to. An overdraft occurs when you do not have enough money in your account to cover a transaction.
If you want us to cover these transactions, choose to Opt-In (Yes) to
Overdraft Privilege on the
form we provide you. This will ensure that you have protection on every transaction, including checks, automatic payments, and debit card purchases. This will save you the embarrassment and possible expense of having your debit card denied.
We will charge you the current NSF fee of $20 for each item we pay. There is no limit on the total fees we can charge you for overdrawing your account.
Can’t decide if you want Overdraft Privilege?
Here are some situations you might experience that could help you decide:
- You’ve got a cart full of groceries for your family and you don’t have your checkbook on you. Would you want your debit card to work, even if you are just a little short?
- You’re at the 24-hour pharmacy at 3 am because your child is sick. You know you don’t have the money for the prescription in your account, but you get paid in two days. Would you want your debit card to be approved?
- It’s the middle of the night and you’re out of gas. The gas station is not open, but the pay at the pump card reader is working. Would you want your debit card to be approved?
- That special woman you’ve had your eye on finally says “yes” and you’re on your first date. You don’t get paid until tomorrow, and when the bill comes it’s a bit higher than you planned on. Do you ask her to pay her share? Or are you sure your debit card will be approved because you have Overdraft Privilege?
(Terms and conditions apply.)
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.