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Carolinas Telco

PO Box 668467, Charlotte, NC 28266
NCUA Insured4.4 (61 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1979

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 668467

Charlotte, NC 28266

Service Area

This credit union is located in Charlotte and serves members in the NC area. Currently serving 31,631 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.05%

Used Auto Loan

6.36%

Personal Loan

9.78%

Credit Card APR

15.13%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NC

Lowest rates currently reported by credit unions in NC (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(10 total)

Member Reviews

4.4

61 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Jim Chadwick

Jim Chadwick

6 months ago

We recently joined Carolinas Telco Credit Union and have been thrilled with the level of personal service we have received. Barry Person is the branch manager we've worked with, and from the start he was so helpful with the process and getting our accounts and credit card. When we ran into a complex issue, we contacted him and he immediately took action, going above and beyond expectations to resolve everything, which included hand-delivering a check to another financial institution. I would highly recommend Carolinas Telco Credit Union if you would like a high level of service and commitment to their members, a place where you don't feel like "just a number", and can trust the people you are working with to take care of your financial needs.

Maya owens

Maya owens

6 months ago

I had the pleasure of getting help from Barry during my loan process. He was nothing but amazing. He was very professional, responsive and super helpful to all of my many emails and questions. There wasn’t anything about the whole process that was difficult or complicated. Barry made it very smooth and easy, which I really appreciated. Those that I spoke to over the phone with questions in the beginning of the process were kind and super helpful as well! CTFCU without a doubt lives up to the expectation and all of their many great reviews.

Veneka Quick

Veneka Quick

10 months ago

I’ve been a member with this branch ever since I was a little girl. Now almost 40 years later the customer service here has been immaculate and I have never been disappointed at all. Working with Barry Person was great. He broke everything down, gave me options which were suitable for my needs and payment. I thank you Telco for being awesome and caring for whatever I needed.

Hope Griffin Diaz

Hope Griffin Diaz

5 months ago

Kim was extremely helpful and personable. She took time to answer my questions. A+ This facility is so bright, welcoming, and clean.

Deborrah Williams

Deborrah Williams

a year ago

I would like to acknowledge one customer service representative at this location name Kim. She is a prime example of what real customer service looks, feels, and should be like. She gets a 5 star from us. My brother was trying to set up his direct deposit to be transferred to his credit union account. It wasn't that easy because she had to verify a lot of his documents, due to security and confidentiality, getting details about his situation,etc. It was a lot! My brother's situation would have been overwhelming for a lot of customer service representative ( in my opinion) but Kim understood the assignment. We made sure we brought the right information needed to complete the transaction from our end.. That's what made our experience so pleasant, everything just fell into place like pieces of a puzzle. She did all that in a timely manner within that 15 minutes before closing. We got there at 4:45 due to Charlotte's congested traffic. So what I am saying she managed her time, gave good service, and kept a friendly rapport with us all at the same time. You couldn't ask for anything better than that! So my brother and I want to give a Big 'Shout Out" to Kim from the West Side of Charlotte at Telco Federal Credit Union. She put that "WORK" in. And we love her like a play cousin. Happy Spring! Happy Customer! 🌹🐞🌷🥀🌺🥰

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).