CTCU is a financial cooperative owned by its members - including your neighbors, friends and co-workers. And that means everything we do is in your best interest! CTCU was chartered in 1953 by a group of Smith County educators determined to help others improve their lives by providing valuable financial services with the benefits of ownership. Through the years, we have grown in assets, in members and in offerings including savings, certificates, loans and more. We have even extended our banking services which means that you do not have to be a teacher to become a member! Yet one thing has remined unchanged - our devotion to our neighbors, friends, family and the community we call home.