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Carolina Cooperative Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
3.80%
Our Rating
4.2  / 5
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 1/24/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
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 39th largest credit union in the state of North Carolina. It is also the 2,430th largest credit union in the nation. It was established in 1962 and as of September of 2024, it had grown to 17 employees and 10,083 members at 3 locations. Carolina Cooperative Federal Credit Union's CD rates are 4X the national average, and it has a C+ 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
C+

Data as of Q3 2024

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 - YTD0.03%
Return on Equity - YTD0.25%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$51MM$54MM
LoansQ3 2024vs Q3 2023$36.2MM$43.2MM
DepositsQ3 2024vs Q3 2023$43.8MM$46.4MM
Equity CapitalQ3 2024vs Q3 2023$6.6MM$6.9MM
Loan Loss AllowanceQ3 2024vs Q3 2023$327K$128K
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$932K$474K
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
3.80%
Our Rating
4.2  / 5
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 1/24/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Rates
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Carolina Cooperative Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$0-IRA Accumulation
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
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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