PO Box 668467
Charlotte, NC 28266

Notable Rates APY Vs.Others
Savings 0.35% 2.20% →
1-Year CD 1.51% 2.20% →
2-Year CD 1.81% 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Carolinas Telco is an NCUA insured institution located in Charlotte, NC. It was founded in 1979 and has approximately $437.3 millions in assets.

Who can join?

If you are an employee, independent contractor, or self-employed person who works regularly in the Telecommunications Services Industry in North Carolina or South Carolina, you are eligible to join. This means that you work for or a retiree of:
• telephone companies;
• wireless companies;
• Internet service providers;
• telephone company support and service providers, for example, equipment installation, maintenance or repair providers;

NCUA Insured Yes
Charter Number # # 23494
Date Established 1979
Assets $437.30 million
Loans $242.25 million
Deposits $364.70 million
Capital $69.12 million

Field of Membership Restrictions

Membership is open to employees, independent contractors, or self-employed persons, who work regularly in the Telecommunications Services Industry in North Carolina or South Carolina, including telephone, wireless, internet service provider companies.

Deposit Rates - February 17, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Fixed IRA
1.61% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.00% $500 - Learn MoreShow Less
12 Mo CD
1.51% $500 - Learn MoreShow Less
24 Mo CD
1.81% $500 - Learn MoreShow Less
36 Mo CD
2.12% $500 - Learn MoreShow Less
48 Mo CD
2.32% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.45% $50 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - February 17, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for CAROLINAS TELCO

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.378% 3.375% 0.00 $92 $1,106 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Carolinas Telco branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Carolinas Telco Locations

Financial Details

Carolinas Telco Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Carolinas Telco. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Carolinas Telco U.S. Average
3.12% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Carolinas Telco had $2,079,263 in non-current loans and $114,565 in owned assets. To cover these potential losses it had $69,123,873 in net worth and $1,151,336 in loans loss reserves. That gives it a Texas Ratio of 3.12%.

Net Worth
Carolinas Telco U.S. Average
15.8% 13.65%

Carolinas Telco FCU has a net worth of 15.8% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Carolinas Telco

Branches and Savings

What is Carolinas Telco?

A federal credit union, registered with the NCUA under certificate #23494.
Learn more about credit unions here.

Is Carolinas Telco FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Carolinas Telco?

Please see Field of Membership information above for information on who is eligible to join.

What are Carolinas Telco's share account and share certificate rates?

Carolinas Telco's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Carolinas Telco?

Carolinas Telco has total capital of $69.12 million. Full information on Carolinas Telco's financial position is located above.

Who owns Carolinas Telco?

Credit Unions are owned by their members.

Where are Carolinas Telco branches located?

See branch locations nearby.

Are Carolinas Telco ATMs Open 24/7?

Do Carolinas Telco ATMs accept cash deposits?

Can Carolinas Telco customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Carolinas Telco have a mobile app?

Does Carolinas Telco have mobile deposit?

Does Carolinas Telco have quick pay?

How can Carolinas Telco transfer money to other banks or credit unions?

Does Carolinas Telco report to credit bureaus?

Does Carolinas Telco use Chexsystems?

Does Carolinas Telco use Equifax?

What is Carolinas Telco's toll free phone number?

What is Carolinas Telco's ACH Routing Number?

What is Carolinas Telco's SWIFT code?

Where can I find Carolinas Telco's wire transfer form?

What is the Carolinas Telco address for deposits?

What Products Does Carolinas Telco Offer

Does Carolinas Telco offer mortgages?

Compare mortgage rates here.

Does Carolinas Telco offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Carolinas Telco offer auto and RV loans?

Compare auto loan rates here.

Does Carolinas Telco offer student loans or personal loans?

Compare personal loan rates here.

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