Santa Helper Graphics
Home Equity Line of Credit
90th Anniversary

Learn about our 90 years of history and stay tuned for upcoming celebratory events at your local branch!

OLB Spring 2024

Our Online and Mobile Banking gives you access to your accounts whenever and wherever you are.

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.

Home Equity Line of Credit 2024

A Home Equity Line of Credit (HELOC) allows you to tap into your equity without selling your home. Access up to 90% of your appraised value when you need it.

previous arrowprevious arrow
next arrownext arrow

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

6.70
%
APR

Mortgage Loans

as low as

7.52
%
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.

Scroll to Top