ElecTel Cooperative Federal Credit Union Rates and Review January 2026
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Brian McKay
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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.
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Compare ElecTel Cooperative Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of ElecTel Cooperative Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityElecTel Cooperative 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 CD rates or other rates available. Have you opened an account or have any experiences at ElecTel Cooperative Federal Credit Union? Share your experience about ElecTel Cooperative Federal Credit Union by leaving a review below, or read customer reviews before you decide to use ElecTel Cooperative Federal Credit Union. Overall, ElecTel Cooperative Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. ElecTel Cooperative Federal Credit Union Raleigh 3400 Sumner Blvd Raleigh, NC 27616  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonSchool Employee Mastercard
11.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
VISA Platinum without Rewards
7.900%
Visa Signature® Rewards
17.750%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonNext Step Loan
10.500%
$0
Debt Consolidation
13.990%
$0
1 - 72
Unsecured Personal Loan
10.990%
$0 - $50,000
12 - 60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have ElecTel Cooperative Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: ElecTel Cooperative Federal Credit Union
Website: https://www.electel.org
Full Time Employees: 11Part Time Employees: 1 President: Eddie Durham CEO: Scott Armstrong Branch Locations: 5 ATM Locations: 0 Corporate Office Address:
3400 Sumner Blvd
Raleigh, NC 27616 Phone Number: 800-849-5600 Fax Number: 919-876-8018 FinancialsTotal Assets:
64,414,140
Total Amount of Shares and Deposits:
55,852,070
Total Shares and Deposits < 1 Year:
50,889,845
Total Shares and Deposits 1 3 Years:
4,962,225
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,668,134
Total Uninsured Shares and Deposits > $250K (F+J):
1,668,134
Total Insured Shares and Deposits > $250K (item 17 less item K):
54,183,936
Total Interest Expense (Sum of items 6 8):
723,667
Share Certificates:
500
Number of Accounts for Share Drafts:
3,706
IRA KEOGH Accounts:
66
Number of Accounts for Regular Shares:
7,591
All other shares:
944
Non Member Deposits:
7
Money Market Shares:
418
Net Income (unless the amount is already included in Undivided Earnings):
303,610
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
2,880,502
Total Liabilities:
55,852,070
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About ElecTel Cooperative Federal Credit UnionIs a member application needed to join ElecTel Cooperative Federal Credit Union?Yes, to access services at ElecTel Cooperative Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, ElecTel Cooperative Federal Credit Union provides a range of mortgage and home equity products. Is ElecTel Cooperative Federal Credit Union a safe place to deposit money?Yes, ElecTel Cooperative Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does ElecTel Cooperative Federal Credit Union offer online and mobile banking?Most modern institutions like ElecTel Cooperative Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 2.50%, 6-month CD rates at 2.50% and 3-month CD rates at 3.80%. Savings rates are at 0.10% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.05%. Credit Card rates are at 9.90%. Personal Loan rates are at 12.00%. All these rates, and more, can be found in our database of rates which you can compare to 
