NPFGC 2023

Gift cards are back! CTFCU members can purchase gift cards without a fee, now through December 31. Take advantage of this great holiday deal today!

CTFCU Legacy Scholarship
2024 Scholarship Opportunities

We are awarding TEN individual members with a $1,500 CTFCU Legacy Scholarship. Applications open now!

2023 Santa Helper Loan

We'll help with the presents, so you can be present. Enjoy flexible funds with a fixed interest rate and terms of up to 12 months. Santa Helper Loans are available until December 31.

CD Fall 2023
Do More With Your Money!

Unlock the power of your savings with our limited-time CD promotion. Enjoy an impressive 4.86% APY on Regular CDs and IRA CDs for a 20-month term. Start with a minimum deposit of just $500 and watch your money grow.

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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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