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Carolina Cooperative Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.carolinacoopcu.com
704-543-8901
6502 McMahon Drive
Charlotte, NC 28226

Carolina Cooperative Federal Credit Union is headquartered in Charlotte and is the 38th largest credit union in the state of North Carolina. It is also the 2,433rd largest credit union in the nation. It was established in 1962 and as of March of 2025, it had grown to 17 employees and 9,923 members at 3 locations. Carolina Cooperative Federal Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Carolina Cooperative Federal Credit Union is open to all North Carolina residents through membership in the North Carolina Consumers Council. Those who live, work, worship, or attend school in the majority of Gaston County (NC) also qualify for membership. Immediate family members of current membership are welcome to apply.
See current membership details

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Health
B

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Carolina Cooperative Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #24801
Year Chartered1962
Employees17
Primary Regulator
Profit Margin
Return on Assets - YTD0.09%
Return on Equity - YTD0.74%
Annual Interest Income$549K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$50.8MM$54.1MM
LoansQ1 2025vs Q1 2024$31.8MM$39.1MM
DepositsQ1 2025vs Q1 2024$43.9MM$46.8MM
Equity CapitalQ1 2025vs Q1 2024$6.4MM$6.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$506K$414K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$567K$763K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Carolina Cooperative Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$100-Holiday Club Account
0.15%$100-Vacation Club Savings Account
0.05%$100-Share Account

Carolina Cooperative Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$250-Daily Money Market Account

Carolina Cooperative Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$0$25kE-Checking Account

Carolina Cooperative Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$500-12 Month Term Certificate
3.65%$500-18 Month Term Certificate
3.15%$500-24 Month Term Certificate
3.10%$500-36 Month Term Certificate
2.90%$500-6 Month Term Certificate
2.75%$500-48 Month Term Certificate
2.25%$500-60 Month Term Certificate

Carolina Cooperative Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$500-12 Month IRA Certificate
3.65%$500-18 Month IRA Certificate
3.15%$500-24 Month IRA Certificate
3.10%$500-36 Month IRA Certificate
2.90%$500-6 Month IRA Certificate
2.75%$500-48 Month IRA Certificate
2.25%$500-60 Month IRA Certificate
0.35%$0-IRA Accumulation
Locations


Carolina Cooperative Federal Credit Union Locations
Branch Office2515 W Roosevelt Blvd Ste AMonroe, NC 28110
Branch Office1207 Bessemer City RdGastonia, NC 28052
Branch Office6502 McMahan DrCharlotte, NC 28226

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