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No Fee Gift Cards
2024 CO-OP ATM

Access your cash at more than +30,000 surcharge-free ATMs through our CO-OP network. Find your closest ATM for quick access to your funds!

2023 Annual Report

Our 2023 Annual Report is now available. Physical copies can be requested through branches or by emailing [email protected] with your name and mailing address.

2024 High Yield Savings

Make your savings work harder for you! Our High Yield Savings Account offers an Annual Percentage Yield (APY) of up to 2.02% with tiered interest rates.

2024 Member Rewards

CTFCU Membership has its perks! As your account grows, you can earn loan rate discounts, CD bonus rates, and much more with our Member Rewards Program.

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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


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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