Who Can Join?

The field of membership currently includes employees of the Colquitt County School System, Southern Regional Technical College, and Colquitt Christian Academy. Also, members of their immediate families who are 18 years or younger -or- 24 years or younger fully enrolled in college may join. PLEASE NOTE: If you are employed by ESS, you are not an employee of the Colquitt County School System, so unfortunately you are not eligible to join the Credit Union.

CCTFCU Membership Account Form

USA Patriot Act Disclosure:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information
that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, physical address, date of birth,
and other information that will allow us to identify you such as driver’s license, passport, social security card, birth certificate, or other identifying documents.

Steps To Join:

  1. Complete a membership application form
  2. Provide 2 forms of identification
  3. Pay $5.00 membership fee
  4. Purchase one $5.00 share of stock

*We accept cash, check, debit or credit card as forms of payment

About Us and Contact Information

Better than Bank Rates

Save more and spend less with CCTFCU’s market-leading interest rates on Savings & Loans.

Account Type Minimum Opening Deposit Minimum Bal to Earn APY Dividend Rate APY
Regular Share Acct $5.00 $5.00 0.10% 0.10%
$2,500 Club Acct $2,500.00 $2,500.00 0.20% 0.20%
Christmas Club Acct - - 0.25% 0.25%
Terms Dividend Rate Annual Percentage Yield
Certificate of Deposits
*Minimum Opening Deposit – $1,500
*Dividends Credited – Monthly
*Dividends Compounded – Monthly
6 month 2.00% 2.018%
12 month 3.50% 3.556%
18 month 2.75% 2.785%
24 month 2.75% 2.785%
Year Models 2024-2025 APR
48 months 6.10%
60 months 6.25%
66 months 6.50%
72 months 6.75%
84 months 7.25%
Year Models 2022-2023 APR
48 months 6.50%
60 months 6.75%
66 months 7.00%
72 months 7.25%
84 months ($25,000 minimum) 7.70%
Year Models 2020-2021 APR
48 months 7.50%
60 months 7.75%
66 months 8.00%
72 months ($20,000 minimum) 8.25%
Year Models 2018-2019 APR
36 months 7.25%
48 months 7.75%
60 months 8.25%
66 months 8.75%
Year Model 2017 APR
24 months 7.75%
36 months 8.00%
48 months 8.25%
60 months ($15,000 minimum) 8.75%
Year Models 2016 & Older APR
24 months 8.50%
30 months 8.75%
36 months 9.00%
48 months ($15,000 minimum) 9.25%

Recreational Vehicles

(i.e. Boats, Jet Skis, ATVs, Campers, Motor Homes, etc)

Term APR
48 months 8.50%
60 months 8.75%
66 months 9.00%
72 months 9.25%
84 months 9.50%
120 months 10.00%
*Can only go 120 months if over $25,000*

Motorcycles, Tractors & Lawn Mowers

Term (Months) APR
36 months 8.25%
48 months 8.50%
60 months 8.75%
66 months 9.00%
72 months 9.25%