Race Car loan savings deal
Personal Loans
CD Spring 2024

Let your savings do the work with a Certificate of Deposit (CD). Enjoy up to 4.34% APY on Regular CDs and 4.44% on IRA CDs for a 24-month term. Start with a minimum deposit of $500 and watch your savings grow.

Auto Loan 2024
Explore the Open Road

Summer adventure is right at your fingertips with a CTFCU Auto Loan. We have rates as low as 5.25% APR for new vehicles and 5.85% APR for used autos.

2024 Personal Loans

With rates as low as 8.99% APR, a CTFCU Personal Loan might be the right solution for helping you tackle a new project, cover an unexpected expense, or consolidate your debts into one simple payment.

Crisman Move 2024

Our Crisman branch (Charlotte, NC) branch has moved!

Join us at our new location, 3921 Tuckaseegee Rd, for our Open House celebration on July 17 at 10 AM. We can't wait to see you there!

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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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