Caddo Parish Teacher's Federal Credit Union

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Caddo Parish Teacher's Federal Credit Union
Credit unions are primarily owned and operated by its members and are not for profit. These institutions were first established on the principle “people helping people,” to improve the financial lives of its members. Credit unions and banks offer many of the same services but credit unions operate to serve its members as opposed to earning profits. Funds earned above the required reserves afford the credit union the ability to offer competitive rates on loans and savings. Created in 1852, credit unions were built on the idea that people pooling their resources together can offer opportunities otherwise not available to them. Today credit unions are operated by volunteers elected by the members, known as the board of directors. These persons are committed to serving its members and guiding the credit union.

Membership Eligibility

The field of membership shall be limited to those having the following common bond; Employees of Caddo Parish School Board who work in Caddo Parish, Louisiana, and their immediate family members and organizations of such persons; along with employees of this credit union.

"Caddo Parish Teacher's Federal Credit Union" - Social Networks

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Caddo Parish Teacher's Federal Credit Union has an overall ZapScore of 74. This means that Caddo Parish Teacher's Federal Credit Union has a higher ZapScore than 74% of all businesses on Zappenin. For reference, the median ZapScore for a business in Shreveport, Louisiana is 31 and in the Credit Unions category is 50. Learn more about ZapScore.

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Caddo Parish Teacher's Federal Credit Union Contact Information:

  • 4625 Hearne Ave
    Shreveport, LA 71108
  • Map
  • Phone: (318) 631-5640
  • Hours

    Monday 9:00 am - 5:00 pm
    Tuesday 9:00 am - 5:00 pm
    Wednesday 9:00 am - 5:00 pm
    Thursday 9:00 am - 5:00 pm
    Friday 9:00 am - 5:00 pm
Social Posts for Caddo Parish Teacher's Federal Credit Union

Wishing ALL students a expectional 2017-2018 school year!

CPTFCU would like to wish all of our teachers and students a very prosperous school year!

https://www.youtube.com/watch?v=3-i4LmbjRTE
Learn how to Soar Your Score with credit score tips from Tiffany "The Budgetnista" Aliche.

https://americasaves.org/for-savers/make-a-plan-how-to-save-money/54-ways-to-save-money
General Banking, Credit, and Debt Entertainment Family and Friends Food Health Home Transportation General Savings Tips Build an emergency fund. It can make all the difference. Low-income families with at least $500 in an emergency fund are better off financially than moderate-income fam...

Saving on a Tight Budget Budgeting Savings Tips  How can those who currently aren’t saving afford to save money? And how can those saving only a little save more? Here are our top ten tips for saving money when budgets are tight. 1. Find small savings that add up to big savings over time Keep a careful record of all of your spending for a month. You may be surprised to learn how much you are spending on dining out or impulse purchases. One method is to save all your bills and receipts over the month and stack them into categories like “utilities” and “groceries.” 2: Comparison shop to find the lowest prices When you compare prices at different stores before making a purchase, you can often find lower prices for necessary purchases — such as food, transportation, and insurance— leaving you more money to save. Bonus tip: Take a list with you to the grocery store and stick to it. This will help you from buying items you don’t need. 3: Limit spending on gifts. Limit spending for birthdays and holidays, especially Christmas. Friends and family are more likely to appreciate a few well-chosen gifts than a more costly pile of gifts chosen thoughtlessly in a shopping mall spree. 4: Put all your loose change in a savings account. For many people, that could add up to well over $100 a year. 5: Ask your bank or credit union to automatically transfer funds each month from your checking to your savings account. The easiest and most effective way to save is automatically. Even as little as $10 or $15 a month helps. After all, that’s $120 or $180 a year. Learn more about saving automatically here. 6: Build an emergency fund to avoid having to take out loans to pay for unexpected purchases. Emergency savings are usually best kept in a savings or share account, despite the low interest rates these accounts pay, because they are easy to access when you need it. Remember, keep a high enough balance in the account to avoid monthly fees. Learn more about saving for emergencies here. 7: Avoid using high-interest credit card and payday loans. Payday loans typically charge interest rates of 500 percent, and the interest rate on credit card debts can run 25 percent. You can save hundreds, perhaps thousands, of dollars a year by paying off these high-cost debts. Learn more about how to get out of debt. 8: See if you qualify for an Earned Income Tax Credit. Many low- and moderate-income workers qualify, each year, for an Earned Income Tax Credit that can be over $1,000, and often more than $2,000. IRS Publication 596 explains how to apply, or you can contact your local tax payer assistance center for in-person help. Then pay down debt and save with at least half of the money you receive from this credit. 9: Participate in a local Investment Development Account (IDA) program. In return for attending financial education sessions and agreeing to save for a home, education, or business, you typically receive $2 for every $1 you save through an IDA program. So, saving $25 each month could end up as $900 at the end of a year. Find an IDA program near you. 10: Take advantage of any matches to retirement savings contributions that your employer offers. Some employers match up to 100 percent of your contributions. If you’re not contributing up to their match, you’re leaving money on the table. Learn more about saving for retirement at work or on your own. Looking for more savings tips? Here are over 50 additional tips for reducing spending and increasing savings. Are you ready to make a commitment to save money or pay down debt?