TF Financial Services is a wholly-owned subsidiary of the Teachers' Fund, licensed to operate as a Financial House under Section 4(1) of the FINB Law 1993. The decision to set up TF Financial Services was borne out of the Fund's objective of diversifying some of its investments into long term holdings. In the initial years, the company has defined as its niche market salaried workers employed by both the private and public sectors of the economy and aims to concentrate its core activities on the provision of loans to this market segment.

TF Financial Services shall also extend its activities into other financial services activities in response to market demands and growth potential in accordance with Bank of Ghana (BoG) licensing requirements. The Teachers’ Fund was set up in 1998 as a collective savings scheme of GNAT registered teachers. The management team is made up of professionals with diverse backgrounds including banking, consulting and credit management.

As at 2006, the fund was worth over ¢200 billion, represented by investments in securities such as treasury bills, bonds, listed equities, private placements, loans and facilities..