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Carolinas Telco Federal Credit Union


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 12th largest credit union in the state of North Carolina. It is also the 678th largest credit union in the nation. It was established in 1979 and as of June of 2023, it had grown to 117 employees and 33,653 members at 8 locations. Carolinas Telco Federal Credit Union's CD rates are 4X the national average, and it 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

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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.

3


Health
B

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #23494
Year Chartered1979
Employees117
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD10.99%
Annual Interest Income$11.5MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$569.8MM$596.6MM
LoansQ2 2023vs Q2 2022$333.7MM$325.9MM
DepositsQ2 2023vs Q2 2022$446.1MM$480.3MM
Equity CapitalQ2 2023vs Q2 2022$40.7MM$44.8MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$1.3MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$3.5MM$2.1MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.51%-$15kRewards Checking

Carolinas Telco Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
2.02%$500-20 Month Share Certificate Special

Carolinas Telco Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


Carolinas Telco Federal Credit Union Locations
Branch Office9813 South Blvd Ste 101Charlotte, NC 28273
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

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