Cambridge Teachers Federal Credit Union
Cambridge Teachers Federal Credit Union is a small NCUA-chartered federal credit union based in Cambridge, MA, serving the local teaching and education-sector community with deposit and lending services through a 1-10 employee operation.
- Company typePrivate
- Founded-
- HeadquartersCambridge, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Cambridge Teachers Federal Credit Union does
Cambridge Teachers Federal Credit Union (CTFCU) is a federally chartered credit union headquartered in Cambridge, Massachusetts, operating as a member-owned cooperative financial institution under the regulation of the National Credit Union Administration (NCUA). Based on its name and charter, the institution serves a defined field of membership centered on teachers and education-sector employees in the Cambridge area, offering deposit and lending services typical of a community credit union — savings accounts, share accounts, and consumer loans. The institution is small in scale, operating with a headcount of 1-10 employees, with no disclosed digital product suite, no mobile banking application, and no published pricing or rate-sheet data.
The institution's business model follows the standard credit union cooperative structure: net interest income generated from the spread between yield on loans extended to members and interest paid on member share deposits, supplemented by fee income on deposit, loan, and ancillary services. As a not-for-profit cooperative, surplus earnings are returned to members in the form of competitive deposit rates, lower loan rates, or retained as capital reserves rather than distributed to external shareholders. No revenue, asset size, loan portfolio composition, deposit mix, or member count is disclosed in the available source data, materially limiting financial benchmarking.
The institution maintains a public-facing website at cambridgeteachersfcu.org as its primary member-facing channel. The source material does not disclose any proprietary technology stack, core processing platform, partnerships, regulatory actions, leadership team, funding activity, or M&A history. CTFCU does not appear in any disclosed investment, acquisition, or strategic transaction records within the provided data.
Cambridge Teachers Federal Credit Union firmographics
Firmographics- Name
- Cambridge Teachers Federal Credit Union
- Legal name
- Cambridge Teachers Federal Credit Union
- Website
- https://cambridgeteachersfcu.org
- Company type
- Private
- Headcount range
- 1–10 employees
- Short description
- Cambridge Teachers Federal Credit Union is a small NCUA-chartered federal credit union based in Cambridge, MA, serving the local teaching and education-sector community with deposit and lending services through a 1-10 employee operation.
- Ownership category
- akta.pro rank
Cambridge Teachers Federal Credit Union industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (522130)
- SIC
- Savings Institution, Federally Chartered (6035), Federal & Federally-Sponsored Credit Agencies (6111)
- akta.pro primary industry
- Student/University Credit Unions (FSABAEAJ)
Keywords
Where Cambridge Teachers Federal Credit Union is headquartered
LocationHeadquarters
- HQ city
- Cambridge
- HQ country
- United States
- HQ region
- North America
Markets served
Cambridge Teachers Federal Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D
Cambridge Teachers Federal Credit Union product offering
Product offeringCore offering
Cambridge Teachers Federal Credit Union is a federally chartered, member-owned cooperative financial institution that provides retail depository services (savings) and consumer loan products to its members at competitive rates. It operates from Cambridge, Massachusetts, and serves a localized membership base primarily in the Northeast United States.
Product overview
Cambridge Teachers Federal Credit Union is a financial institution. Based on the available source content, insufficient information is available to describe its specific product portfolio, architecture, or individual product offerings.
Differentiator
Problem solved
Functional benefit
Products and services
- Savings Accounts
Companies that use Cambridge Teachers Federal Credit Union
Customer profileIdeal customer profiles1 record
Cambridge Teachers Federal Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Cambridge Teachers Federal Credit Union partnerships and signals
Strategic signalRecent moves2 records
Expansion highlights1 record
Cambridge Teachers Federal Credit Union competitors and assessment
Company assessmentRegional players
- Eastern Bank: A community bank serving eastern Massachusetts including the Cambridge area, offering consumer and small-business banking. Comparable as a regional deposit/lending competitor that competes for local members, though structured as a mutual/bank rather than a federal credit union.
- Cambridge Savings Bank: A community bank headquartered in Cambridge, MA offering consumer deposits, mortgages, and small-business lending. Comparable as a Cambridge-area deposit/lending competitor for the same local membership, though chartered as a savings bank rather than a credit union.
Emerging players
- Alliant Credit Union: A large digital-first credit union with a broad eligibility field (including education-affiliated memberships). Comparable because it competes for the same educator demographic with a strong digital experience, putting pressure on small legacy credit unions like CTFCU on member expectations and rate competitiveness.
Direct peers
- MIT Federal Credit Union: A federally chartered credit union serving the MIT community in Cambridge, MA. Closely comparable to CTFCU in geographic footprint, academic-employer field of membership, and federally chartered depository product set.
- Massachusetts Teachers Association Members Federal Credit Union (if active): Statewide credit unions affiliated with teacher associations in Massachusetts offer a directly comparable teacher-membership field with savings and loan products, competing for the same educators CTFCU serves in Cambridge.
- Harvard Employees Credit Union (HECU): A community credit union serving the Harvard University community in Cambridge, MA. Directly comparable to CTFCU as a Cambridge-area, employee-affiliated cooperative serving an academic/educator membership base with savings and loan products.
Broad incumbents
- Navy Federal Credit Union: One of the largest U.S. federal credit unions, serving a defined occupational membership with a full suite of deposit, lending, and digital products. Comparable as a federally chartered credit union operating at scale; serves as a competitive benchmark for product breadth and digital capability.
- BECU (Boeing Employees Credit Union): A large community credit union originally serving Boeing employees that has since expanded its field of membership to include many employer groups. Comparable as a large-employer-affiliated federal credit union that has broadened membership beyond its original base, a potential future path for CTFCU.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat2 records
Key risks5 records
Key highlights4 records
Customer concentration
Cambridge Teachers Federal Credit Union social profiles
Digital presenceCambridge Teachers Federal Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cambridge Teachers Federal Credit Union leadership team
Management profileNumber of profiles
Cambridge Teachers Federal Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cambridge Teachers Federal Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cambridge Teachers Federal Credit Union
What does Cambridge Teachers Federal Credit Union do?
Cambridge Teachers Federal Credit Union is a federally chartered, member-owned cooperative financial institution that provides retail depository services (savings) and consumer loan products to its members at competitive rates. It operates from Cambridge, Massachusetts, and serves a localized membership base primarily in the Northeast United States.
Is Cambridge Teachers Federal Credit Union a public or private company?
Cambridge Teachers Federal Credit Union is a private company. It is classified as nonprofit foundation owned.
When was Cambridge Teachers Federal Credit Union founded?
Cambridge Teachers Federal Credit Union was founded in -1. It employs 1 to 10 people.
Where is Cambridge Teachers Federal Credit Union based?
Cambridge Teachers Federal Credit Union is headquartered in Cambridge, United States, in the North America region.
Who are Cambridge Teachers Federal Credit Union's main competitors?
Regional players on record are Eastern Bank and Cambridge Savings Bank. Alliant Credit Union is listed as an emerging player. Direct peers are MIT Federal Credit Union, Massachusetts Teachers Association Members Federal Credit Union (if active) and Harvard Employees Credit Union (HECU). Broad incumbents are Navy Federal Credit Union and BECU (Boeing Employees Credit Union).
Does Cambridge Teachers Federal Credit Union have an API?
No public API is recorded for Cambridge Teachers Federal Credit Union.
What industry is Cambridge Teachers Federal Credit Union in?
Cambridge Teachers Federal Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAJ, Student/University Credit Unions. Its NAICS code is 522130 and its SIC code is 6035.