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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CAROLINA Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 3, 2026
CAROLINA's 6 Month CD rates are at 3.60%, 1 Year CD rates are at 3.50%, 1 Year CD rates are at 3.45%, 2 Year CD rates are at 3.40%, 2 Year CD rates are at 3.30%. CAROLINA's savings rates are at 0.10%. CAROLINA's money market rates are at 2.00%. CAROLINA's Personal Loan Rates are at 12.75%. MonitorBankRates evaluates the financial stability of CAROLINA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.76%. Rates last updated and verified on 09/03/2026. CAROLINA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CAROLINA? Share your experience about CAROLINA by leaving a review below, or read customer reviews before you decide to use CAROLINA. CAROLINA
Carolina Federal Credit Union 1200 E Church St
http://www.carolinafcu.org Cherryville, NC 28021-9211 
CAROLINA CD Rates
CAROLINA Savings Rates
CAROLINA Money Market Rates
CAROLINA Checking Rates
CAROLINA Home Equity & HELOC
CAROLINA Auto Loan Rates
CAROLINA Credit Card Rates
CAROLINA Personal Loan Rates
Financial Health HistoryCAROLINA’s Texas Ratio rose from 3.66% in Q2 2023 to 4.76% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for CAROLINA is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather CAROLINA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with CAROLINA's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
CAROLINA
Website
http://www.carolinafcu.org
Address
1200 E Church St,
Cherryville, NC 28021-9211
Phone
704-435-0186
Fax
704-435-8061
President
Jason Raines
CEO
Donna Beringer
Full-Time Employees
16
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.76%
Return on Assets (ROA)
0.1764%
Return on Equity (ROE)
1.6896%
Non-Performing Loans Ratio (NPL)
0.74%
Total Assets
84,910,018
Total Amount of Shares and Deposits
74,739,960
Total Shares and Deposits < 1 Year
70,257,711
Total Shares and Deposits 1 3 Years
3,142,922
Total Shares and Deposits > 3 Years
1,339,327
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,126,068
Total Uninsured Shares and Deposits > $250K (F+J)
8,126,068
Total Insured Shares and Deposits > $250K (item 17 less item K)
66,613,892
Total Interest Expense (Sum of items 6 8)
359,868
Share Certificates
501
Number of Accounts for Share Drafts
2,621
IRA KEOGH Accounts
130
Number of Accounts for Regular Shares
7,236
Money Market Shares
233
Net Income (unless the amount is already included in Undivided Earnings)
149,805
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
13,845,041
Total Liabilities
76,048,734
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for CAROLINA yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for CAROLINA
Frequently Asked Questions About CAROLINAHow many branches does CAROLINA operate?CAROLINA currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join CAROLINA?Yes, to access services at CAROLINA, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, CAROLINA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, CAROLINA provides members with tools to manage their accounts and build a solid financial history. Does CAROLINA offer online and mobile banking?Most modern institutions like CAROLINA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.carolinafcu.org. Current CAROLINA Rates
Retrieved from our database of financial products. Rates subject to change.
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