|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CAROLINA Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 25, 2026
CAROLINA's 6 Month CD rates are at 3.60%, 1 Year CD rates are at 3.50%, 1 Year CD rates are at 3.45%, 2 Year CD rates are at 3.40%, 2 Year CD rates are at 3.30%. CAROLINA's savings rates are at 0.10%. CAROLINA's money market rates are at 2.00%. CAROLINA's Personal Loan Rates are at 12.75%. MonitorBankRates evaluates the financial stability of CAROLINA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.60%. Rates were last updated on 03/25/2026. CAROLINA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CAROLINA? Share your experience about CAROLINA by leaving a review below, or read customer reviews before you decide to use CAROLINA. Peoples Bank Lubbock, TX
Carolina Federal Credit Union 1200 E Church St
http://www.carolinafcu.org Cherryville, NC 28021 9211 
CAROLINA CD Rates
CAROLINA Savings Rates
CAROLINA Money Market Rates
CAROLINA Checking Rates
CAROLINA Mortgage Rates
CAROLINA Home Equity & HELOC
CAROLINA Credit Card Rates
CAROLINA Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for CAROLINA is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather CAROLINA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with CAROLINA's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
CAROLINA
Website
http://www.carolinafcu.org
Address
1200 E Church St,
Cherryville, NC 28021 9211
Phone
704-435-0186
Fax
704-435-8061
President
Jason Raines
CEO
Donna Beringer
Full-Time Employees
16
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.60%
Return on Assets (ROA)
0.7734%
Return on Equity (ROE)
7.2678%
Non-Performing Loans Ratio (NPL)
0.70%
Total Assets
81,878,397
Total Amount of Shares and Deposits
72,156,808
Total Shares and Deposits < 1 Year
68,110,309
Total Shares and Deposits 1 3 Years
2,732,210
Total Shares and Deposits > 3 Years
1,314,289
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,639,524
Total Uninsured Shares and Deposits > $250K (F+J)
8,639,524
Total Insured Shares and Deposits > $250K (item 17 less item K)
63,517,284
Total Interest Expense (Sum of items 6 8)
1,183,823
Share Certificates
483
Number of Accounts for Share Drafts
2,551
IRA KEOGH Accounts
132
Number of Accounts for Regular Shares
7,219
Money Market Shares
212
Net Income (unless the amount is already included in Undivided Earnings)
633,225
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
12,261,731
Total Liabilities
73,266,540
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About CAROLINAIs CAROLINA a safe place to deposit money?Yes, CAROLINA is considered a safe financial institution. With a Texas Ratio of 4.5960388948572%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does CAROLINA operate?CAROLINA currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join CAROLINA?Yes, to access services at CAROLINA, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, CAROLINA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, CAROLINA provides members with tools to manage their accounts and build a solid financial history. Does CAROLINA offer online and mobile banking?Most modern institutions like CAROLINA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.carolinafcu.org. Current CAROLINA Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
TLC Community Credit Union
San Juan Credit Union
Promedica Federal Credit Union
Indiana Heartland Federal Credit Union
Greater Kentucky Credit Union Inc Credit Union
Seven Seventeen Credit Union
Fitzsimons Federal Credit Union
Southern Federal Credit Union
Big Spring Education Employees Federal Credit Union
Founders Federal Credit Union
North Iowa Community Credit Union
ANECA Federal Credit Union
Big Bethel AME Church Federal Credit Union
Erie City Employees Federal Credit Union
Actors Federal Credit Union
MERCK SHARP and DOHME
E-Central Credit Union
MULTIPLI
Iron County Community Credit Union
Wailuku Federal Credit Union
Greater Metro Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
