What are the current interest rates at Carolinas Telco Federal Credit Union?

Current rates for Carolinas Telco Federal Credit Union include: 12-Month CD: 3.92%, 24-Month CD: 4.07%, Savings: 2.53%

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Carolinas Telco Federal Credit Union

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Carolinas Telco Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Carolinas Telco Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Carolinas Telco Federal Credit Union's top rates as of October 13, 2026 are 4.30% APY on its 15 Month CD Accounts, 2.53% APY on savings, 6.28% on its Fixed Rate-First Mortgages - 10-Year Fixed, personal loans from 7.95% APR, and credit cards from 13.50% APR, according to rates verified by MonitorBankRates. Other Carolinas Telco Federal Credit Union CD rates include IRA CD Accounts - 15 Month at 4.30%, 24 Month CD Accounts at 4.07%, and IRA CD Accounts - 24 Month at 4.07%. Other Carolinas Telco Federal Credit Union mortgage rates include 30 Year 5/1 Adjustable Rate Mortgage at 6.38%, Fixed Rate-First Mortgages - 15-Year Fixed at 6.53%, and First-Time Homebuyer Program: 30-Year, 5/1 Adjustable Rate Mortgage at 6.75%. MonitorBankRates evaluates the financial stability of Carolinas Telco Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.27%. Rates last updated and verified on 10/13/2026.

Carolinas Telco Federal Credit Union 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 Carolinas Telco Federal Credit Union? Share your experience about Carolinas Telco Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Carolinas Telco Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.27%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Carolinas Telco Federal Credit Union
Harris Corners

9300 Harris Corners Pkwy
Charlotte, NC 28269-3814

https://www.ctelco.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Carolinas Telco Federal Credit Union CD Rates

Product	Rate	APY	Term
15 Month Share Certificate Accounts	4.22%	4.30%	15 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
IRA Certificate Accounts - 15 Month	4.22%	4.30%	15 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
24 Month Share Certificate Accounts	4.00%	4.07%	24 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
IRA Certificate Accounts - 24 Month	4.00%	4.07%	24 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
12 Month Share Certificate Accounts	3.85%	3.92%	12 month
Min Deposit $500 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66% Oct 9, 20263.92%▲ from 3.66% Sep 21, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
IRA Certificate Accounts - 12 Month	3.85%	3.92%	12 month
Min Deposit $500 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66% Oct 9, 20263.92%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
36 Month Share Certificate Accounts	3.75%	3.82%	36 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
IRA Certificate Accounts - 36 Month	3.75%	3.82%	36 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
9 Month Share Certificate Accounts	3.50%	3.56%	9 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
IRA Certificate Accounts - 9 Month	3.50%	3.56%	9 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
48 Month Share Certificate Accounts	3.45%	3.51%	48 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
IRA Certificate Accounts - 48 Month	3.45%	3.51%	48 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
6 Month Share Certificate Accounts	3.25%	3.30%	6 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
IRA Certificate Accounts - 6 Month	3.25%	3.30%	6 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%

Carolinas Telco Federal Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	2.50%	2.53%
Min Deposit $100 Min Balance $1,000 Details Balance: $100,000.01 or greater; Minimum Average Daily Balance to avoid service fee: $1,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.53% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
High Yield Savings	2.00%	2.02%
Min Deposit $100 Min Balance $1,000 Details Balance: $100.00 to $100,000.00; Minimum Average Daily Balance to avoid service fee: $1,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Health Savings	0.25%	0.25%
Details Minimum balance to avoid a service fee: $-; Account limitations: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
IRA Savings	0.25%	0.25%
Min Deposit $50 Details Minimum balance to avoid a service fee: $-; Account limitations: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Vacation Savings	0.25%	0.25%
Details Minimum balance to avoid a service fee: $-; Account limitations: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Prime Share Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Minimum balance to avoid a service fee: $5.00; Account limitations: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Special Savings	0.05%	0.05%
Details Minimum balance to avoid a service fee: $-; Account limitations: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%

Carolinas Telco Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate-First Mortgages - 10-Year Fixed	6.277%	-	6.277%	10-Year
Details Downpayment as low as 5%; PMI Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.98% → 6.28% ▲ 0.30 pts · high 6.28% / low 5.98% Oct 13, 20266.28%▲ from 5.98% Sep 17, 20265.98%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
30 Year 5/1 Adjustable Rate Mortgage	6.38%	-	6.38%	30-year
Details Downpayment as low as 20%; PMI:; Rate adjusts after initial 5-year fixed period based on 1-Year Constant Maturity Treasury plus margin; 2% annual adjustment cap; 6% life cap Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.15% → 6.38% ▲ 0.23 pts · high 6.40% / low 6.12% Oct 9, 20266.38%▼ from 6.40% Sep 29, 20266.40%▲ from 6.12% Sep 17, 20266.12%▼ from 6.15% Sep 14, 20266.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Fixed Rate-First Mortgages - 15-Year Fixed	6.527%	-	6.527%	15-Year
Details Downpayment as low as 5%; PMI Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.23% → 6.53% ▲ 0.30 pts · high 6.53% / low 6.23% Oct 13, 20266.53%▲ from 6.23% Sep 17, 20266.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
First-Time Homebuyer Program: 30-Year, 5/1 Adjustable Rate Mortgage	6.755%	-	6.755%	30-year
Details As Low As; Downpayment as low as 3%; PMI; Initial rate based on credit score and loan to value; Adjusts annually with 2% annual cap and 6% life cap above initial note rate; Requires 2 years consecutive job history; Maximum loan amount $200,000; Minimum credit score 600 Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.53% → 6.76% ▲ 0.23 pts · high 6.78% / low 6.50% Oct 9, 20266.76%▼ from 6.78% Sep 29, 20266.78%▲ from 6.73% Sep 25, 20266.73%▲ from 6.50% Sep 17, 20266.50%▼ from 6.53% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
30-Year 5/1 Adjustable Rate Mortgage - First Time Home Buyers	6.775%	-	6.775%	30-year
Details As Low As; For First Time Home Buyers; Downpayment as low as 3%; PMI; No rate adjustment for first 5 years; Minimum credit score of 600 required Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 6.50% → 6.78% ▲ 0.28 pts · high 6.78% / low 6.50% Oct 2, 20266.78%▲ from 6.73% Sep 25, 20266.73%▲ from 6.50% Sep 21, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Fixed Rate-Investment/Vacation Property - 10-Year Fixed	6.902%	-	6.902%	10-Year
Details As Low As; Downpayment as low as 20%; PMI; Up to 80% of Purchase Price or Appraised Value, Whichever is Less Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Fixed Rate-First Mortgages - 30-Year Fixed	7.027%	-	7.027%	30-Year
Details Downpayment as low as 5%; PMI Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.73% → 7.03% ▲ 0.30 pts · high 7.03% / low 6.73% Oct 13, 20267.03%▲ from 6.73% Sep 17, 20266.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Fixed Rate-Investment/Vacation Property - 15-Year Fixed	7.152%	-	7.152%	15-Year
Details As Low As; Downpayment as low as 20%; PMI; Up to 80% of Purchase Price or Appraised Value, Whichever is Less Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Fixed Rate-Investment/Vacation Property - 30-Year Fixed	7.652%	-	7.652%	30-Year
Details As Low As; Downpayment as low as 20%; PMI; Up to 80% of Purchase Price or Appraised Value, Whichever is Less Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%

Carolinas Telco Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	7.00%
Details As Low As; Term: Terms may vary Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 21, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%

Carolinas Telco Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans	-	-	4.50%	12-36 Months
Details As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
New Auto Loans	-	-	5.00%	48 months
Details As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Used Auto Loans	-	-	5.50%	12-36 Months
Details As Low As; Vehicles must be 5 model years or newer (including the current year); mileage must not exceed 100,000 miles Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
New Auto Loans	-	-	6.00%	60 Months
Details As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Used Auto Loans	-	-	6.25%	48 Months
Details As Low As; Vehicles must be 5 model years or newer (including the current year); mileage must not exceed 100,000 miles Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Extended Age and Mileage Used Auto Loans - Term 12-48 Months	-	-	7.00%	12-48 months
Details As Low As; Eligible vehicles 6-10 model years old or mileage between 100,001-150,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
New Auto Loans	-	-	7.00%	72 Months
Details As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Used Auto Loans	-	-	7.25%	60 Months
Details As Low As; Vehicles must be 5 model years or newer (including the current year); mileage must not exceed 100,000 miles Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
New Auto Loans	-	-	7.75%	84 Months
Details As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Extended Age and Mileage Used Auto Loans - Term 60 Months	-	-	8.25%	60 Months
Details As Low As; Eligible vehicles 6-10 model years old or mileage between 100,001-150,000 miles Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Used Auto Loans	-	-	8.25%	72 Months
Details As Low As; Vehicles must be 5 model years or newer (including the current year); mileage must not exceed 100,000 miles Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%

Carolinas Telco Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle, Boat, Motor Home, Travel Trailer, ATV, Jet Ski - 12 months Loan	-	6.99%	12 months
Details As Low As; Max loan terms: Motor Home & Travel Trailer and Boat up to 120 months; Jet Ski, Motorcycle, ATV up to 60 months Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Motorcycle, Boat, Motor Home, Travel Trailer, ATV, Jet Ski - 24 months Loan	-	7.24%	24 months
Details As Low As; Max loan terms: Motor Home & Travel Trailer and Boat up to 120 months; Jet Ski, Motorcycle, ATV up to 60 months Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Motorcycle, Boat, Motor Home, Travel Trailer, ATV, Jet Ski - 36 months Loan	-	7.49%	36 months
Details As Low As; Max loan terms: Motor Home & Travel Trailer and Boat up to 120 months; Jet Ski, Motorcycle, ATV up to 60 months Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Motorcycle, Boat, Motor Home, Travel Trailer, ATV, Jet Ski - 48 months Loan	-	7.74%	48 months
Details As Low As; Max loan terms: Motor Home & Travel Trailer and Boat up to 120 months; Jet Ski, Motorcycle, ATV up to 60 months Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Motorcycle, Boat, Motor Home, Travel Trailer, ATV, Jet Ski - 60 months Loan	-	7.99%	60 months
Details As Low As; Max loan terms: Motor Home & Travel Trailer and Boat up to 120 months; Jet Ski, Motorcycle, ATV up to 60 months Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Motorcycle, Boat, Motor Home, Travel Trailer, ATV, Jet Ski - 72 months Loan	-	8.74%	72 months
Details As Low As; Max loan terms: Motor Home & Travel Trailer and Boat up to 120 months; Jet Ski, Motorcycle, ATV up to 60 months Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Motorcycle, Boat, Motor Home, Travel Trailer, ATV, Jet Ski - 84 months Loan	-	9.49%	84 months
Details As Low As; Max loan terms: Motor Home & Travel Trailer and Boat up to 120 months; Jet Ski, Motorcycle, ATV up to 60 months Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Motorcycle, Boat, Motor Home, Travel Trailer, ATV, Jet Ski - 96 months Loan	-	10.24%	96 months
Details As Low As; Max loan terms: Motor Home & Travel Trailer and Boat up to 120 months; Jet Ski, Motorcycle, ATV up to 60 months Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 10.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Motorcycle, Boat, Motor Home, Travel Trailer, ATV, Jet Ski - 120 months Loan	-	10.99%	120 months
Details As Low As; Max loan terms: Motor Home & Travel Trailer and Boat up to 120 months; Jet Ski, Motorcycle, ATV up to 60 months Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 10.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%

Carolinas Telco Federal Credit Union Credit Card Rates

Product	Rate	APR
Credit Card Low Rate Card	-	13.50%
Details As Low As; Visa Platinum Credit Card Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 13.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Credit Card 2% Cash Back Rewards	-	14.50%
Details As Low As; Visa Platinum Credit Card Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 14.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%

Carolinas Telco Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	7.95%	12 Months
Details As Low As; Applies to Loan Amounts $1,000 - $35,000 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 7.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Personal Loans	8.45%	24 Months
Details As Low As; Loan amount $35,000.01 - $50,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 7.50% → 8.45% ▲ 0.95 pts · high 8.70% / low 7.50% Oct 13, 20268.45%▼ from 8.70% Sep 29, 20268.70%▲ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Personal Loans	8.70%	24 Months
Details As Low As; Applies to Loan Amounts $1,000 - $35,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.50% → 8.70% ▲ 1.20 pts · high 8.70% / low 7.50% Sep 29, 20268.70%▲ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Personal Loans	9.20%	36 Months
Details As Low As; Applies to Loan Amounts $1,000 - $35,000 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 8.00% → 9.20% ▲ 1.20 pts · high 9.20% / low 8.00% Oct 9, 20269.20%▲ from 8.00% Sep 17, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Personal Loans	9.70%	48 Months
Details As Low As; Loan amount $35,000.01 - $50,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 9.50% → 9.70% ▲ 0.20 pts · high 10.70% / low 9.50% Oct 13, 20269.70%▼ from 10.70% Sep 29, 202610.70%▲ from 9.50% Sep 14, 20269.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Personal Loans	10.70%	48 Months
Details As Low As; Applies to Loan Amounts $1,000 - $35,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.50% → 10.70% ▲ 1.20 pts · high 10.70% / low 9.50% Sep 29, 202610.70%▲ from 9.50% Sep 14, 20269.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Personal Loans	11.20%	60 Months
Details As Low As; Loan amount $35,000.01 - $50,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 10.25% → 11.20% ▲ 0.95 pts · high 11.45% / low 10.25% Oct 13, 202611.20%▼ from 11.45% Sep 29, 202611.45%▲ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Personal Loans	11.45%	60 Months
Details As Low As; Applies to Loan Amounts $1,000 - $35,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 10.25% → 11.45% ▲ 1.20 pts · high 11.45% / low 10.25% Sep 29, 202611.45%▲ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%
Personal Loans	11.95%	72 Months
Details As Low As; Loan amount $35,000.01 - $50,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%

Carolinas Telco Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Line of Credit	-	-	11.00%
Details As Low As; Terms may vary; APR is determined by the amount borrowed Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Oct 9, 202611.00%▲ from 10.75% Sep 21, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.27%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Carolinas Telco Federal Credit Union’s Texas Ratio fell from 7.11% in Q3 2023 to 3.27% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$506M	3.27%	5.0	A+
March 31, 2026	$514M	2.78%	5.0	A+
December 31, 2025	$507M	3.49%	5.0	A+
September 30, 2025	$507M	3.88%	5.0	A+
June 30, 2025	$505M	3.81%	5.0	A+
March 31, 2025	$513M	3.61%	5.0	A+
December 31, 2024	$521M	5.44%	5.0	A+
September 30, 2024	$529M	5.01%	5.0	A+
June 30, 2024	$542M	4.61%	5.0	A+
March 31, 2024	$551M	5.14%	5.0	A+
December 31, 2023	$559M	7.16%	5.0	A
September 30, 2023	$553M	7.11%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Carolinas Telco Federal Credit Union 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 Carolinas Telco Federal Credit Union 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 Carolinas Telco Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Carolinas Telco Federal Credit Union

Website https://www.ctelco.org

Address 9300 Harris Corners Pkwy, Charlotte, NC 28269-3814

Phone 704-391-5600

Fax

President Mitchell McIntosh

CEO Jimmy Womack Jr.

Full-Time Employees 95

Part-Time Employees 1

Branch Locations 8

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.27%

Return on Assets (ROA)

0.2624%

Return on Equity (ROE)

1.7424%

Non-Performing Loans Ratio (NPL)

0.91%

Total Assets

506,317,895

Total Amount of Shares and Deposits

425,230,689

Total Shares and Deposits < 1 Year

416,421,215

Total Shares and Deposits 1 3 Years

8,507,550

Total Shares and Deposits > 3 Years

301,924

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

37,345,564

Total Uninsured Shares and Deposits > $250K (F+J)

37,345,564

Total Insured Shares and Deposits > $250K (item 17 less item K)

387,885,125

Total Interest Expense (Sum of items 6 8)

2,929,603

Share Certificates

1,694

Number of Accounts for Share Drafts

16,021

IRA KEOGH Accounts

956

Number of Accounts for Regular Shares

34,269

All other shares

123

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)

27,946,418

Total Liabilities

456,380,460

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Carolinas Telco Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Carolinas Telco Federal Credit Union

How many branches does Carolinas Telco Federal Credit Union operate?

Carolinas Telco Federal Credit Union 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 Carolinas Telco Federal Credit Union?

Yes, to access services at Carolinas Telco Federal Credit Union, 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, Carolinas Telco Federal Credit Union 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, Carolinas Telco Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Carolinas Telco Federal Credit Union offer online and mobile banking?

Most modern institutions like Carolinas Telco Federal Credit Union 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: https://www.ctelco.org.

Current Carolinas Telco Federal Credit Union Rates

12-Month CD3.92%
24-Month CD4.07%
Savings2.53%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Carolinas Telco Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Carolinas Telco Federal Credit Union Texas Ratio

Carolinas Telco Federal Credit Union Health Trend

Carolinas Telco Federal Credit Union CD Rates

Carolinas Telco Federal Credit Union Savings Rates

Carolinas Telco Federal Credit Union Mortgage Rates

Carolinas Telco Federal Credit Union Home Equity & HELOC

Carolinas Telco Federal Credit Union Auto Loan Rates

Carolinas Telco Federal Credit Union RV, Boat and Powersport Loan Rates

Carolinas Telco Federal Credit Union Credit Card Rates

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Carolinas Telco Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Carolinas Telco Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Carolinas Telco Federal Credit Union

How many branches does Carolinas Telco Federal Credit Union operate?

Is a member application needed to join Carolinas Telco Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Carolinas Telco Federal Credit Union offer online and mobile banking?

Current Carolinas Telco Federal Credit Union Rates

Compare to Other Credit Unions