Carolinas Telco Federal Credit Union (CTFCU) has been serving the Carolinas since 1934. Our mission is to provide quality service and to assist our members as they journey through life's financial milestones. There are many benefits to being a CTFCU member, but our benefit is being able to serve you.

How to Join

Carolinas Telco Federal Credit Union (CTFCU) offers membership to those who are employed with or retired from one of our current Select Employer Groups (S.E.G). Additionally, members of the NC Consumers Council (NCCC) or other approved associations are eligible to join. Those who live, work, worship, or attend school in select areas of Mecklenburg County, Wake County, Gastonia, NC, and  Columbia, SC, and surrounding areas, deemed underserved for financial services by the National Credit Union Administration (NCUA.), can become CTFCU members. Immediate family and household members of current CTFCU members can also qualify for membership.

Click on the "Open an Account" button to begin the process. The online application will be submitted to us electronically. In addition to electronic signing, one of our team members will contact you within 1 business day to finalize any details needed to complete your membership application.

Loans to Fit Your Life
Competitive Rates & Lower Fees
Financial Education & Calculators

Who is eligible to become a CTFCU Member?


Underserved Areas

Combined geographic areas possessing a smaller concentration of financial institutions, not currently offering banking services which meet the economic needs of a majority of residents. Any person who lives, works, worships, or attends school within an underserved zip code can join CTFCU.


Select Employer Groups (S.E.G)

Includes companies from any industry, who have signed an agreement to allow their workers to join CTFCU. Anyone currently employed with a S.E.G. can become a member of the credit union. All interested businesses within CTFCU’s service areas are encouraged to become a S.E.G. partner of the credit union.



Under a Multiple Common Bond charter, credit unions can offer membership to individuals who are also mutual members of an association or cooperative. CTFCU has partnered with various organizations throughout the Carolinas and can now offer membership to persons affiliated with these groups.


Immediate Family and Household Members

At CTFCU, when you become a member, your family can also become members.

Completing the Membership Application

Click on the "Open an Account" button to begin the process. You must be at least 13 years old to join online. If you are under 13, visit a branch or call us at 1-800-622-5305, with your parent's or guardian's permission.

Copy of Driver’s License is required.

Please provide your current physical STREET Address for verification purposes.
To fund your account's initial $5.00 deposit, provide your credit card or bank account and routing number in the application. The account's initial $5.00 deposit to open a Prime Share Savings Account is required to maintain your membership.

Member Referral

Were you referred by a current CTFCU member? If so, they may be eligible for our $25 Member Referral*! When the new member opens their account, complete a referral form, available in the branch or print and return the Printable Referral Form to us.

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