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CTFCU Legacy Scholarship
2024 Scholarship Opportunities

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

2023 High Yield Savings

Make your savings work harder, while maintaining access to your funds. Our High Yield Savings account offers tiered rates, helping you earn up to 2.02% Annual Percentage Yield (APY) on deposits over $100,000.

Instant Issue 2023

We now offer Instant Issue services available in ALL our branch locations! Debit and credit cards are now available to be issued same day and printed on-site.

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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