Carolinas Telco Federal Credit Union

Overview / Commentary
2821 Crisman St
Charlotte, NC 28208

Carolinas Telco Federal Credit Union is headquartered in Charlotte and is the 12th largest credit union in the state of North Carolina. It is also the 686th largest credit union in the nation. It was established in 1979 and as of September of 2023, it had grown to 122 employees and 33,444 members at 8 locations. Carolinas Telco Federal Credit Union's CD rates are 4X the national average, but it has a C health rating.

Field of Membership Restrictions

Membership in Carolinas Telco Federal Credit Union is open to North Carolina resident through membership in the North Carolina Consumers Council. Those who live, work, worship, or attend school in select areas of Mecklenburg County, NC; Wake County, NC; Gaston County, NC; or Richland County, SC, are also eligible to join. Employees of many North Carolina and South Carolina Select Employee Groups also qualify for membership.
See current membership details

Reviews (1)

A Fabulous Bank

Posted by: |

This a wonderful credit union with exceptional customer care. I wouldn't switch for anything in the world.


Health Grade Components

NCUA #23494
Year Chartered1979
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD10.46%
Annual Interest Income$17.3MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$553.2MM$598.2MM
LoansQ3 2023vs Q3 2022$324.7MM$347.9MM
DepositsQ3 2023vs Q3 2022$434.4MM$483.8MM
Equity CapitalQ3 2023vs Q3 2022$35.3MM$39MM
Loan Loss AllowanceQ3 2023vs Q3 2022$2MM$2.1MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$5.9MM$2.1MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Carolinas Telco Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Carolinas Telco Federal Credit Union Savings Account Rates

2.02%*$100k*-High Yield Savings
OTHER TIERS: 0.45% Up to $2.5k | 1.00% $2.5k - $25k | 1.61% $25k - $75k | 1.76% $75k - $100k
2.02%*$100k*-Business High Yield Savings
OTHER TIERS: 0.45% Up to $2.5k | 1.00% $2.5k - $25k | 1.61% $25k - $75k | 1.76% $75k - $100k
0.71%--Health Savings Account
0.45%--IRA Savings Account
0.35%$200-Christmas Club
0.35%$5-Estate Share Savings
0.35%--Trust Savings
0.35%--Vacation Club Account
0.20%$5-Prime Share Savings
0.20%--Special Share Savings
0.20%$5-Business Share Savings

Carolinas Telco Federal Credit Union Checking Account Rates

2.51%-$15kRewards Checking

Carolinas Telco Federal Credit Union CD Rates

4.86%$500-20 Month Share Certificate Special
3.98%$500-48 Month Share Certificate
3.87%$500-36 Month Share Certificate
3.66%$500-24 Month Share Certificate
3.56%$500-12 Month Share Certificate
3.04%$500-6 Month Share Certificate

Carolinas Telco Federal Credit Union IRA Rates

4.08%$500-48 Month IRA Certificate
3.97%$500-36 Month IRA Certificate
3.77%$500-24 Month IRA Certificate
3.66%$500-12 Month IRA Certificate
3.14%$500-6 Month IRA Certificate

Carolinas Telco Federal Credit Union Locations
Branch Office5023 Central AveCharlotte, NC 28205
Branch Office324 Burtonwood DrGastonia, NC 28054
Branch Office20221 W Catawba AveCornelius, NC 28031
Branch Office1020 Woodruff RdGreenville, SC 29607
Branch Office110 Outlet Pointe BlvdColumbia, SC 29210
Branch Office5712 Creedmoor RdRaleigh, NC 27612
Branch Office2821 Crisman StCharlotte, NC 28208
Branch Office9813 South Blvd Ste 101Charlotte, NC 28273

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