Carolinas Telco Federal Credit Union
Headquarters
Po Box 668467
Charlotte, NC 28266
See all branch locations →
2024 Overview
General Credit Union Information
Carolinas Telco is an NCUA insured institution located in Charlotte, NC. It was founded in 1979 and has approximately $541.78 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 / Federally Chartered |
| Charter Number # | # 23494 |
| Date Established | 1979 |
| Assets | $541.78 million |
| Loans | $296.02 million |
| Deposits | $426.74 million |
| Capital | $76.77 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 - November 14, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.71% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.71% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.11% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.11% | $100,000 | $199,999 |
Learn More
|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $1 | $99 | Learn More |
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.865% | 6.750% | 1.00 | $3,775 | $2,076 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to Carolinas Telco
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
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:
Columbus,Ohio
Carolinas Telco Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 329.19 | A | View Lobby Hours | |
| 339.41 | B | View Lobby Hours | |
| 345.00 | C | View Lobby Hours | |
| 346.78 | D | View Lobby Hours | |
| 349.05 | E | View Lobby Hours | |
| 353.42 | F | View Lobby Hours | |
| 354.13 | G | View Lobby Hours | |
| 365.12 | H | View Lobby Hours | |
| 421.59 | I | View Lobby Hours | |
| 514.49 | J | View Lobby Hours |
Climate Policy and Initiatives
CAROLINAS TELCO is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 4.80% | 5.83 |
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, 2024, Carolinas Telco had $3,641,844 in non-current loans and $132,033 in owned assets. To cover these potential losses it had $76,770,903 in net worth and $1,795,992 in loans loss reserves. That gives it a Texas Ratio of 4.80%.
Net Worth
| Carolinas Telco | U.S. Average |
|---|---|
| 14.13% | 13.93% |
Carolinas Telco FCU has a net worth of 14.13% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Carolinas Telco
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