Loan Payment Options
Make Loan Payments with Your Credit or Debit Card (service fees apply)*
This service allows you to make CTFCU consumer loan payments (excluding Credit Cards and 1st Mortgages originated after 1/1/2013) on a one-time or recurring basis using your credit or debit card from another financial institution. (service fees* apply)
You may also make your loan payment using your checking or savings account from another financial institution via an ACH (automated clearing house) transaction. We make this service available by phone or online. There are fees* associated with using this service.
Click Here to Make A Payment(service fees apply)*
We offer many options to assist you in making your Carolinas Telco Federal Credit Union (CTFCU) loan payment conveniently and on-time.
*The use of these services requires a processing fee(s). You can choose to make a one-time payment or establish a recurring payment. Any additional payments (in excess of the amount due) made towards your loan (up to the $4,000 maximum) will be applied towards the loan’s principal amount owed. You will receive an email confirmation of payment for your records. To use this loan payment service you must enter the (6 digit member number followed by the last three(3) digits of the loan ID.) For Example- If your Member Number is 123456 and your Loan ID shows in ( Netbranch Online banking or on your statement) as L002- You would enter 123456-002 in the box below. If making your last payment, or needing a payoff amount for your loan, please contact us first for the payment amount and details at (704) 391.5600/ (800) 622.5305 (Mon-Fri 9am – 5pm). Payment Posting Schedule: Payments made before 7:00pm EST, Monday – Friday (except on Federal holidays), will post to your account on the following business day. Payments made after 7:00pm EST, Monday-Friday (except on Federal holidays), will post to your account two (2) business days later. Carolinas Telco FCU is not responsible for late payments; late fees may apply in accordance with the terms of your loan. If you experience problems with making your payment and would like to speak with a Member Service Representative, please contact Carolinas Telco FCU at: (704) 391.5600/ (800) 622.5305 (Mon-Fri 9am – 5pm). The fee(s) paid will depend on the method (debit/ credit card or ACH payment) and amount ($4,000 max.) of the payment(s):
You can choose to make a one-time payment or establish a recurring payment. The fee(s) paid will depend on the method (debit/credit card or ACH payment) and amount ($4,000 max.) of the payment(s): For each payment made with a Debit or Credit Card:
o $0-500 : $10 fee
o $501-$2,000 : $15 fee
o $2,001-$4,000 (max. amount) : $25 fee
For each ACH Payment made with a Checking or Savings Account:
o $0-$4,000 (max. amount) : $5 fee
Any additional payments (in excess of the amount due) made towards your loan (up to the $4,000 maximum) will be applied towards the loan's principal amount owed (see Payment Posting Schedule above).
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google Inc.
By accessing this link, you will be leaving the Credit Union’s website and entering an email site hosted by another party.
Although the Credit Union has approved this as a reliable email address, please be advised that you will no longer be subject to, or under the protection of the privacy and security policies of the Credit Union’s website. The other party is solely responsible for the security of its email service. As such the security of any sensitive information transmitted is not guaranteed. We do not recommend sending any sensitive information through this channel.
Please visit our “contact us” webpage for more information on secure methods available for contacting the Credit Union.