A Prime Share Savings Account Establishes Your Membership

The foundation of your membership at Carolinas Telco Federal Credit Union (CTFCU) starts with your Prime Share Savings Account. This account pays dividends and you must maintain a minimum balance of $5.00.

The Prime Share can be accessed through an ATM, NetBranch Online Banking, or even serve as an overdraft savings account.

Benefits of Membership

  • Apply for any CTFCU product or service
  • Lower borrowing rates than many other financial institutions
  • Quick and convenient access to your accounts
  • Highly competitive Dividend Rates
  • Savings are federally insured to at least $250,000 by NCUA.
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How to Join

CTFCU offers membership to the employees (and retirees) within the Telecommunications Industry in North and South Carolina, and their families. To join, complete a membership application along with an initial $5.00 deposit in your Prime Share savings account.

APY = Annual Percentage Yield. The rates appearing here are accurate as of the effective date: February 21, 2020. If you have any questions or wish to request a Rate and Fee Sheet with terms and additional information, please call the Credit Union at 1-704-391-5600 or 1-800-622-5305. Rates are subject to change without notice. Fees may reduce the earnings on some accounts. All services, such as loans, credit cards and checking accounts, are subject to approval.

** Reward Rates - 2.02% APY (Annual Percentage Yield) is paid on balances between $0.00 to $20,000.00 and 0.10% APY is paid on all amounts of $20,000.01 and above, each cycle that the minimum qualifications are met. Up to $25.00 in ATM Fees will be refunded each cycle that qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.10% APY; however, it will not receive ATM fee refunds for that time period. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. No monthly service charge. The qualification cycle is approximately one month long, but begins on the last business day of the previous month and goes through the second to the last business day of the current month. Eligible transactions must post during the qualification cycle in order to receive credit. Only one Rewards Checking Account may be opened per member, and any additional checking accounts will be opened as standard Share Draft Accounts.

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