|
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.
 Carolinas Telco Federal Credit Union Rates & Review April 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: April 5, 2026
Carolinas Telco Federal Credit Union's 6 month CD rates are at 3.82%, IRA CD Accounts 6 month rates are at 3.82%, 9 month CD rates are at 3.56%, IRA CD Accounts 9 month rates are at 3.56%, 12 month CD rates are at 3.40%. Carolinas Telco Federal Credit Union's savings rates are at 0.05%. Carolinas Telco Federal Credit Union's 10-Year Fixed rates are at 5.25%, 15-Year Fixed rates are at 5.25%, Fixed Rate-First Mortgages 10-Year Fixed rates are at 5.25%, Fixed Rate-First Mortgages 15-Year Fixed rates are at 5.25%, 30-Year Fixed rates are at 5.75%. Carolinas Telco Federal Credit Union's Personal Loan Rates are at 7.49%. MonitorBankRates evaluates the financial stability of Carolinas Telco Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.17%. Rates were last updated on 04/05/2026. Carolinas Telco Federal Credit Union 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 Carolinas Telco Federal Credit Union? Share your experience about Carolinas Telco Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Carolinas Telco Federal Credit Union. Carolinas Telco Federal Credit Union
Charlotte Crisman Street 2821 Crisman St
https://www.ctelco.org Charlotte, NC 28208 
Carolinas Telco Federal Credit Union CD Rates
Carolinas Telco Federal Credit Union Savings Rates
Carolinas Telco Federal Credit Union Checking Rates
Carolinas Telco Federal Credit Union Mortgage Rates
Carolinas Telco Federal Credit Union Home Equity & HELOC
Carolinas Telco Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Carolinas Telco Federal Credit Union 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 Carolinas Telco Federal Credit Union 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 Carolinas Telco Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Carolinas Telco Federal Credit Union
Website
https://www.ctelco.org
Address
2821 Crisman St,
Charlotte, NC 28208
Phone
704-391-5600
Fax
President
Larry Shumpert
CEO
Jimmy Womack Jr
Full-Time Employees
89
Part-Time Employees
0
Branch Locations
8
ATM Locations
10
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
4.17%
Return on Assets (ROA)
0.3165%
Return on Equity (ROE)
2.1300%
Non-Performing Loans Ratio (NPL)
1.02%
Total Assets
506,558,109
Total Amount of Shares and Deposits
417,690,904
Total Shares and Deposits < 1 Year
409,074,130
Total Shares and Deposits 1 3 Years
7,358,614
Total Shares and Deposits > 3 Years
1,258,161
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
31,583,060
Total Uninsured Shares and Deposits > $250K (F+J)
31,583,060
Total Insured Shares and Deposits > $250K (item 17 less item K)
386,107,844
Total Interest Expense (Sum of items 6 8)
4,204,935
Share Certificates
1,639
Number of Accounts for Share Drafts
16,675
IRA KEOGH Accounts
1,000
Number of Accounts for Regular Shares
35,142
All other shares
127
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
33,011,231
Total Liabilities
459,918,320
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Carolinas Telco Federal Credit UnionIs Carolinas Telco Federal Credit Union a safe place to deposit money?Yes, Carolinas Telco Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.1738783781407%, 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 Carolinas Telco Federal Credit Union operate?Carolinas Telco Federal Credit Union 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 Carolinas Telco Federal Credit Union?Yes, to access services at Carolinas Telco Federal Credit Union, 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, Carolinas Telco Federal Credit Union 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, Carolinas Telco Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Carolinas Telco Federal Credit Union offer online and mobile banking?Most modern institutions like Carolinas Telco Federal Credit Union 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: https://www.ctelco.org. Current Carolinas Telco Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
GHA Federal Credit Union
HURON AREA EDUCATION
Greenville Heritage Federal Credit Union
Greater Pittsburgh Police Federal Credit Union
Roanoke Valley Community Federal Credit Union
Fort Sill Federal Credit Union
Louisville Federal Credit Union
Kamehameha Federal Credit Union
Greenwood Credit Union
Financial Security Credit Union
Artesia Credit Union
Canvas Credit Union
Lake County Educational Federal Credit Union
Metro Federal Credit Union
Coca Cola Federal Credit Union
Pearl Hawaii Federal Credit Union
First Central Credit Union
Memorial Credit Union Houston, TX
La Crosse Burlington Credit Union
Kane County Teachers Credit Union
Louisiana Baptist Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
