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Carolinas Telco Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.ctelco.org
800-622-5305
2821 Crisman St
Charlotte, NC 28208

Carolinas Telco Federal Credit Union is headquartered in Charlotte and is the 13th largest credit union in the state of North Carolina. It is also the 740th largest credit union in the nation. It was established in 1979 and as of March of 2025, it had grown to 93 employees and 32,491 members at 10 locations. Carolinas Telco Federal Credit Union has a B+ 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

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #23494
Year Chartered1979
Employees93
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD3.66%
Annual Interest Income$5.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$513.3MM$551MM
LoansQ1 2025vs Q1 2024$295.3MM$306.2MM
DepositsQ1 2025vs Q1 2024$428.8MM$436.8MM
Equity CapitalQ1 2025vs Q1 2024$41MM$37.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.4MM$4.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.9MM$4.2MM
Real Estate OwnedQ1 2025vs Q1 2024$115K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Rates for Carolinas Telco Federal Credit Union are currently being reviewed.

Locations


Cities: Charlotte, Columbia, Cornelius, Gastonia, Greenville, Raleigh, San Diego

Charlotte Branches
Branch Office5023 Central AveCharlotte, NC 28205
Branch Office9813 South Blvd Ste 101Charlotte, NC 28273
Corporate Office9115 Harris Corners Pkwy Suite 450Charlotte, NC 28269-3709
Corporate Office3921 Tuckaseegee RdCharlotte, NC 28208

Columbia Branches
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 Office1020 Woodruff RdGreenville, SC 29607

Raleigh Branches
Branch Office5712 Creedmoor RdRaleigh, NC 27612

San Diego Branches
Corporate Office2305 Historic Decatur Rd Ste 300San Diego, CA 92106-6073

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