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 Telco 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 8, 2026
Telco Credit Union's 18 Month CD rates are at 3.04%, CDs 18 rates are at 3.04%, 12 Month CD rates are at 2.99%, CDs 12 rates are at 2.99%, 18 month IRA CDs rates are at 2.78%. Telco Credit Union's savings rates are at 0.01%. Telco Credit Union's money market rates are at 0.05%. Telco Credit Union's Personal Loan Rates are at 7.50%. MonitorBankRates evaluates the financial stability of Telco Credit Union with a 4.4 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 22.49%. Rates were last updated on 04/08/2026. Telco 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 Credit Union? Share your experience about Telco Credit Union by leaving a review below, or read customer reviews before you decide to use Telco Credit Union. 
Telco Credit Union CD Rates
Telco Credit Union Savings Rates
Telco Credit Union Money Market Rates
Telco Credit Union Checking Rates
Telco Credit Union Home Equity & HELOC
Telco Credit Union Credit Card Rates
Telco Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Telco 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 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Telco Credit Union
Website
https://www.telcu.com
Address
1720 Barlow Rd,
Tarboro, NC 27886
Phone
252-823-0119
Fax
252-823-1001
President
June Carlisle
CEO
Charles Johnson
Full-Time Employees
17
Part-Time Employees
2
Branch Locations
2
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.4 / 5.0 ★
Overall Health & Safety Grade
B- (83/100)
Texas Ratio
22.49%
Return on Assets (ROA)
-0.4422%
Return on Equity (ROE)
-3.3385%
Non-Performing Loans Ratio (NPL)
3.63%
Total Assets
51,491,343
Total Amount of Shares and Deposits
44,677,583
Total Shares and Deposits < 1 Year
41,859,976
Total Shares and Deposits 1 3 Years
2,646,246
Total Shares and Deposits > 3 Years
171,361
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,077,799
Total Uninsured Shares and Deposits > $250K (F+J)
2,077,799
Total Insured Shares and Deposits > $250K (item 17 less item K)
42,599,784
Total Interest Expense (Sum of items 6 8)
602,853
Share Certificates
367
Number of Accounts for Share Drafts
2,303
IRA KEOGH Accounts
168
Number of Accounts for Regular Shares
10,142
Non Member Deposits
23
Money Market Shares
69
Net Income (unless the amount is already included in Undivided Earnings)
-227,700
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,622,075
Total Liabilities
44,770,507
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Telco Credit UnionIs Telco Credit Union a safe place to deposit money?Yes, Telco Credit Union is considered a safe financial institution. With a Texas Ratio of 22.485822906301%, the institution's financial health is rated as stable. 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 Credit Union operate?Telco 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 Credit Union?Yes, to access services at Telco 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Telco Credit Union offer online and mobile banking?Most modern institutions like Telco 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.telcu.com. Current Telco Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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