Overview / Commentary
704-543-8901
6502 McMahon Drive
Charlotte, NC 28226

Carolina Cooperative Federal Credit Union is headquartered in Charlotte and is the 42nd largest credit union in the state of North Carolina. It is also the 2,548th largest credit union in the nation. It was established in 1962 and as of June of 2018, it had grown to 16 employees and 8,581 members at 3 locations. Carolina Cooperative Federal Credit Union's CD rates are 94% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Must be an employee of one of Carolina Cooperative Federal Credit Union's several Select Employee Groups (SEGs). Also open to those who live, work, worship or attend school in Gaston County.
See current membership details

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Reviews (1)

Opening An Account

This is the worse credit union I have ever been to. It is so unfriendly . I'd put my money in a hole in the ground before I put it in this credit union.



Health
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 low asset base.

Health Grade Components

Overall
NCUA #24801
Year Chartered1962
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD9.61%
Annual Interest Income$829.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$41.1MM$39.1MM
LoansQ2 2018vs Q2 2017$26.3MM$24.2MM
DepositsQ2 2018vs Q2 2017$36.2MM$34.6MM
Equity CapitalQ2 2018vs Q2 2017$4.5MM$4.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$253.00K$353.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$346.00K$142.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Carolina Cooperative Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

Carolina Cooperative Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%--IRA Accumulation
0.30%$100-Holiday Club Account
0.30%$100-Vacation Club Savings Account
0.15%$100-Share Account

Carolina Cooperative Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$250-Daily Money Market Account

Carolina Cooperative Federal Credit Union Checking Account Rates

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

Carolina Cooperative Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$500-60 Month Term Certificate Special
2.00%$500-36 Month Term Certificate Special
1.75%$500-12 Month Term Certificate Special
1.25%$500-48 Month Term Certificate
0.75%$500-30 Month Term Certificate
0.65%$500-24 Month Term Certificate
0.55%$500-18 Month Term Certificate
0.25%$500-6 Month Term Certificate

Carolina Cooperative Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-48 Month IRA Certificate
0.75%$500-30 Month IRA Certificate
0.65%$500-24 Month IRA Certificate
0.55%$500-18 Month IRA Certificate
0.25%$500-6 Month IRA Certificate
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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