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Cambridge Teachers Credit Union Share
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Cambridge Teachers Credit Union is a federal credit union based in Cambridge, Massachusetts. It has been opened since 1939, for 83 years.

With around $32,320,000 in assets, Cambridge Teachers Credit Union is considered to be an average size credit union.

About Share
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Address 20 Felton Street
Cambridge, Massachusetts 02138
Website http://CAMBRIDGETEACHERSFCU.ORG
Phone (617) 492-3212
Fax (617) 492-0131
CEO Robert W. Greene
President of the Board James Keegan
Services Offered
Score Card Share
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83 years
Years in business
Opened in 1939
Well Capitalized
Net worth classification
Source: NCUA
2,212 members
Membership type: Multiple common bond – primary educational
Below average number of members
442:1
Credit union member to staff ratio
442 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$32,317,788
Total assets
Average size
0 branches
Compared with an average of 4 nationally and 3 in Massachusetts
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
11.25%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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0 branches
Compared with an average of 4 nationally and 3 in Massachusetts
Above average number of branches
Cambridge Teachers Credit Union Branch Locations
Members Share
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2,212 members
Membership type: Multiple common bond – primary educational
Below average number of members

With 2,212 members, the Cambridge Teachers Credit Union is considered to be a small credit union. It is smaller than 63% of credit unions.

Fees Share
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$46
Average fee per member
The average fee per member at the Cambridge Teachers Credit Union is $46, which is comparable to most credit unions. This rate is lower than 52% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Cambridge Teachers Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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442:1
Credit union member to staff ratio
442 per each FTE employee
Compared to 411:1 nationally
Fewer staff
5 staff members
FTE (full-time equivalent)
33% of employees are part-time
4 full-time, 2 part-time

Cambridge Teachers Credit Union has 4 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 67% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Cambridge Teachers Credit Union has around 442 members per staff, a higher ratio compared to other credit unions.

Assets Share
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$32,317,788
Total assets
Average size
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.3%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$6,772
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 79% of credit unions.

Cambridge Teachers Credit Union holds a total of $7,940,000 in loans and leases, which is about $6,772 per member on average.

Savings interest rate Share
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Cambridge Teachers Credit Union pays 0.10%.

Loan rates Share
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11.25%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.85%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.50%
New car loan rate
Compared to 4.0% nationally
3.90%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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4.75%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Cambridge Teachers Federal Credit Union
Credit Union Branch: 20 Felton Street
Cambridge, Massachusetts 02138 No ATM
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Cambridge Teachers Credit Union: Main Office
Credit Union Branch: 20 Felton Street
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