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Telco Community Credit Union

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Telco Community Credit Union Rates & Review April 2026

Q: Is a member application needed to join Telco Community Credit Union?

Yes, to access services at Telco Community 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Telco Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 4, 2026

You can compare Telco Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.60%, 6-month share certificate rates at 0.50% and 3-month share certificate rates at 0.81%. Savings rates are at 0.15% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.04%. All these rates can be compared to Telco Community Credit Union rates. MonitorBankRates evaluates the financial stability of Telco Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.63%. Rates were last updated on 04/04/2026.

Telco Community 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 Telco Community Credit Union? Share your experience about Telco Community Credit Union by leaving a review below, or read customer reviews before you decide to use Telco Community Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.63%

Excellent Lower than avg

Telco Community Credit Union
Adminstration Office

1137 Smokey Park Hwy
Candler, NC 28715 8240

https://www.telcoccu.org

Telco Community Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Mastercard	-	10.90%
Details As Low As; Regular APR: 10.90% Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.63%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Telco Community 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 Telco Community 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 Telco Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Telco Community Credit Union

Website https://www.telcoccu.org

Address 1137 Smokey Park Hwy, Candler, NC 28715 8240

Phone 828-252-6458

Fax 828-255-9347

President Stan Livingston

CEO David Burnette

Full-Time Employees 70

Part-Time Employees 13

Branch Locations 13

ATM Locations 12

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.63%

Return on Assets (ROA)

0.8396%

Return on Equity (ROE)

7.3212%

Non-Performing Loans Ratio (NPL)

0.97%

Total Assets

413,115,870

Total Amount of Shares and Deposits

361,904,519

Total Shares and Deposits < 1 Year

347,970,369

Total Shares and Deposits 1 3 Years

13,934,149

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

26,726,446

Total Uninsured Shares and Deposits > $250K (F+J)

26,726,446

Total Insured Shares and Deposits > $250K (item 17 less item K)

335,178,073

Total Interest Expense (Sum of items 6 8)

3,566,612

Share Certificates

2,141

Number of Accounts for Share Drafts

27,078

IRA KEOGH Accounts

845

Number of Accounts for Regular Shares

38,028

Money Market Shares

1,162

Net Income (unless the amount is already included in Undivided Earnings)

3,468,568

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

51,663,754

Total Liabilities

365,976,815

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Telco Community Credit Union

Is Telco Community Credit Union a safe place to deposit money?

Yes, Telco Community Credit Union is considered a safe financial institution. With a Texas Ratio of 4.6298940974525%, 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 Telco Community Credit Union operate?

Telco Community 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 Telco Community Credit Union?

Yes, to access services at Telco Community 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, Telco Community 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, Telco Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Telco Community Credit Union offer online and mobile banking?

Most modern institutions like Telco Community 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.telcoccu.org.