Santa Helper Graphics
High Yield Savings Graphics
Card Conversion
Exciting Changes are on the Way for your CTFCU Credit Card!

All credit card holders will receive a new card by mail. Expect to receive your card in a plain white envelope in early February. Your new card will be ready to activate on February 13, 2023.

CTFCU Legacy Scholarship
2023 Scholarship Opportunities

Submit your application for CTFCU's Legacy Scholarship. The deadline to apply is February 1, 2023.

Introducing EVA

Meet EVA, our new Expert Virtual Assistant. EVA is powered by artificial intelligence and is available to assist you any time of the day. She can answer product questions, help you navigate online banking, locate your closest ATM, and much more!

2022 Rewards Checking

Reward yourself with a checking account that works for you! Our Rewards Checking offers free bill payer, easy access to your funds and the opportunity to earn higher tiers of Member Rewards.

2022 High Yield Savings

Make your savings work harder for you! What are you waiting for? With our new High Yield Savings account, you can earn up to 1.76% APY on deposits over $100,000. It's time for your money to make you money!

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Serving the Carolinas Since 1934
Mortgages | Auto Loans | Credit Cards | Checking | Savings

Carolinas Telco Federal Credit Union was originally formed to meet the financial needs of telecommunications workers in North and South Carolina. Our expanded membership charter gives all persons within our service areas the opportunity to apply for credit union membership. We offer exceptional services and products, like auto loans, credit cards, mortgages, savings, and checking accounts.

Today's Rates

Auto Loans

Auto Loans as low as


Mortgage Loans

as low as


Share Secured Loan

Up to 24 Months


Member Testimonials

Just opened an account here since my husband has been a member for several years. We received excellent customer service... [They were] knowledgeable, helpful, and extremely patient with our many requests. Took advantage of several services including auto loan refinancing and personal accounts. Everything has been simple and painless. -Sierra S.

Great Interest rates! Friendly bank staff. [They] always [go] above and beyond for our banking needs. -Ashley B. 

CTFCU is amazing to work with! They have made the process of applying for loans easy and are always quick to answer any questions we may have. [They are] SO friendly and knowledgeable! -Julie B. 

I joined Carolina's Telco because my parents and grandparents had used it for years. But it's customer service from staff like yourself that keeps me here! -Deja L. 

Great service, was able to get our car refinanced and a personal. Was straight forward and helpful! -Robert S.

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