Credit card Debt Knock out
High Yield Savings Graphics
High Yield Savings Graphics
Blance Transfer March 2025

Choose the offer that meets your needs! 0.00% APR for 13 months, with 5% transfer fee -OR- 6.99% APR for 17 months with NO transfer fee.

9-Month CDs March 2025
Introducing a NEW CD option

With 4.07% APY* and a 9 month term, you can have flexibility while maximizing your dividends!

2025 HELOCs

It's your equity, access those funds when you need them and put it to use towards home improvements, debt consolidation and more! Enjoy waived Origination Fees through May 31, 2025!

Mortgage Promo 2025

We're here to help you find the perfect home loan with flexible terms, personalized service and rates as low as 5.875% on a 30-year fixed Mortgage*. It's a great time to come home to CTFCU.

Trust & Will

Through April 30th, CTFCU members can receive 30% off a new estate plan through our partnership with Trust & Will. Create your plan today to secure your family's legacy!

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Carolinas Telco Federal Credit Union

Serving the Carolinas Since 1934

Carolinas Telco Federal Credit Union (CTFCU) stands as a trusted financial partner dedicated to serving the financial needs of its members in the Carolinas region. At the core of our mission lies a steadfast commitment to providing personalized service and a comprehensive suite of financial products. This includes a variety of solutions for individuals and businesses, backed by an innovative online banking platform, ensuring members have the tools they need for financial success. CTFCU extends its dedication to economic empowerment through a range of deposit products, such as savings accounts and checking accounts, designed to cater to the specific needs of our members, fostering a solid and lasting financial partnership. Join Carolinas Telco Federal Credit Union today for a brighter financial future!

Today's Rates

Auto Loans

Auto Loans as low as

4.49
%
APR

Mortgage Loans

as low as

4.780
%
APR

Share Secured Loan

Up to 24 Months

3.50
%
APR

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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