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Carolina Cooperative Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.25%CheckingE-Checking Account
1.35%5-year CD60 Month Term Certificate
0.40%1-year CD12 Month Term Certificate

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 2,616th largest credit union in the nation. It was established in 1962 and as of December of 2016, it had grown to 17 employees and 8,776 members at 4 locations. Carolina Cooperative Federal Credit Union has a C+ 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
C+
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
Employees17
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD8.98%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$38.1MM$39.1MM
LoansQ4 2016vs Q4 2015$24.7MM$25.4MM
DepositsQ4 2016vs Q4 2015$33.6MM$35.1MM
Equity CapitalQ4 2016vs Q4 2015$4.1MM$3.8MM
Loan Loss AllowanceQ4 2016vs Q4 2015$423.00K$790.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$164.00K$514.00K
Real Estate OwnedQ4 2016vs Q4 2015$610.00K$597.00K
Rates
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Carolina Cooperative Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%--IRA Accumulation
0.35%--Roth IRA Accumulation
0.35%--Education 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
1.35%$500-60 Month Term Certificate
1.25%$500-48 Month Term Certificate
0.90%$500-36 Month Term Certificate
0.75%$500-30 Month Term Certificate
0.65%$500-24 Month Term Certificate
0.55%$500-18 Month Term Certificate
0.40%$500-12 Month Term Certificate
0.25%$500-6 Month Term Certificate

Carolina Cooperative Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%$500-60 Month IRA Certificate
1.25%$500-48 Month IRA Certificate
0.90%$500-36 Month IRA Certificate
0.75%$500-30 Month IRA Certificate
0.65%$500-24 Month IRA Certificate
0.55%$500-18 Month IRA Certificate
0.40%$500-12 Month IRA Certificate
0.25%$500-6 Month IRA Certificate
Locations


Carolina Cooperative Federal Credit Union Locations
Branch Office2110 Crown Centre DrCharlotte, NC 28227
Branch Office2515 W Roosevelt Blvd Ste AMonroe, NC 28110
Branch Office1207 Bessemer City RdGastonia, NC 28052
Branch Office6502 McMahan DrCharlotte, NC 28226