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Bank Deposit Reassurance

All CTFCU accounts are insured National Credit Union Administration (NCUA) up to $250,000. Read more about the steps we take to safeguard your money here

FICO Score

Did you know that your FICO® Score is just a click away? CTFCU updates your FICO® Score quarterly to help you better understand your financial health.

Online and Mobile Banking

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

Home Loans 2023

With a variety of options to choose from Carolinas Telco Federal Credit Union can help make the dream of homeownership a reality.

Annual Meeting 2023

Review our 2022 Annual Report and watch our 2023 Annual Meeting held on Wednesday, March 15.

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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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