Overview / Commentary
2821 Crisman St
Charlotte, NC 28208

Carolinas Telco Federal Credit Union is headquartered in Charlotte and is the 10th largest credit union in the state of North Carolina. It is also the 618th largest credit union in the nation. It was established in 1979 and as of September of 2018, it had grown to 81 employees and 32,956 members at 10 locations. Carolinas Telco Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to employees, independent contractors, or self-employed persons, who work regularly in the Telecommunications Services Industry in North Carolina or South Carolina, including telephone, wireless, internet service provider companies.
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Reviews (1)

A Fabulous Bank

Posted by: meleco | Aug 20, 2012

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 - YTD0.99%
Return on Equity - YTD7.14%
Annual Interest Income$11.0MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$440.1MM$453.3MM
LoansQ3 2018vs Q3 2017$238.6MM$221.0MM
DepositsQ3 2018vs Q3 2017$358.6MM$356.6MM
Equity CapitalQ3 2018vs Q3 2017$61.3MM$64.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$701.00K$849.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.6MM$1.3MM
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* 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

0.71%--Health Savings Account
0.45%$50-IRA Savings Account
0.35%$25-Prime Share Savings
0.35%$200-Christmas Club
0.35%--Special Share Savings
0.35%$5-Estate Share Savings
0.35%--Trust Savings

Carolinas Telco Federal Credit Union Checking Account Rates

1.51%*-$15kRewards Checking
OTHER TIERS: 0.10% $15k+
0.10%--Share Draft

Carolinas Telco Federal Credit Union CD Rates

1.11%$500-48 Month Term Share Certificate
0.95%$500-36 Month Term Share Certificate
0.70%$500-24 Month Term Share Certificate
0.55%$500-12 Month Term Share Certificate
0.45%$500-6 Month Term Share Certificate

Carolinas Telco Federal Credit Union IRA Rates

1.13%$500-48 Month Term IRA Certificate
0.97%$500-36 Month Term IRA Certificate
0.72%$500-24 Month Term IRA Certificate
0.57%$500-12 Month Term IRA Certificate
0.47%$500-6 Month Term IRA Certificate

Cities: Charlotte, Columbia, Cornelius, Gastonia, Greenville, North Charleston, Raleigh

Charlotte Branches
Branch Office5023 Central AveCharlotte, NC 28205
Branch Office2600 Sharon Rd WCharlotte, NC 28210
Branch Office2821 Crisman StCharlotte, NC 28208

Columbia Branches
Branch Office1600 Williams StColumbia, SC 29201
Branch Office110 Outlet Pointe BlvdColumbia, SC 29210

Cornelius Branches
Branch Office20221 W Catawba AveCornelius, NC 28031

Gastonia Branches
Branch Office324 Burtonwood DrGastonia, NC 28054

Greenville Branches
Branch Office505 N Main STGreenville, SC 29601

North Charleston Branches
Branch Office4940 Centre Pointe Dr Suite ANorth Charleston, SC 29418

Raleigh Branches
Branch Office5712 Creedmoor RdRaleigh, NC 27612

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