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News and Updates
Today's Rates

Scam Alert: "Easy Money Schemes"
If you are ever offered an "opportunity", through Craigslist, e-mail, or even by phone, promising easy money, be careful. A common scheme involves asking you to cash a check, then wire or mail half of the deposit back to the sender ... while you get to keep the rest. This is clearly fraud, typically involving counterfeit checks, and you are being scammed and you are most likely going to lose money. Visit our Security Center to learn more.
New North Charleston Location
Carolinas Telco recently held a Grand Opening Celebration for our relocated North Charleston branch! Click for details.
Winter 2015 Statements Newsletter
Highlights include: Bonus Owners' Dividend, New First Mortgage Programs, Charleston Relocation, Annual Meeting Invitation, Updated Fee Notice, and the latest from Carolinas Telco Capital Advisors. Click for details.


Today's Rates
Auto Loan Rates As Low As ... *
60 Months
1.99% APR
72 Months
2.24% APR
84 Months (new only)
2.49% APR

*The ANNUAL PERCENTAGE RATE and terms you receive may vary, based on certain individual credit worthiness criteria. Click for details.
Savings Accounts
Prime Share Savings
0.35% APY
48 Month Certificate
1.11% APY
IRA Savings
0.45% APY
APY = Annual Percentage Yield. The dividend rates are subject to change. Click for details.
Rewards Checking
Rewards Rate
1.51% APY
On balances up to
$15,000
ATM Refunds up to
$25.00
APY = Annual Percentage Yield. Qualifications must be met each qualifying cycle. Terms subject to change. Click for details.
Mortgage Rates As Low As ... *
10-Year Fixed
3.125%APR
15-Year Fixed
3.125% APR
Home Equity
4.00% APR
*The ANNUAL PERCENTAGE RATE and terms you receive may vary, based on certain individual credit worthiness criteria. Real Estate loans available in North & South Carolina.  See details.
 
 
 
 


Membership at Carolinas Telco FCU is open to Telecommunications workers of North Carolina and South Carolina and their families. Become a member today.


*APR = Annual Percentage Rate. The rates appearing here are accurate as of the effective date: February 27, 2015. The Annual Percentage Rate you receive may vary, based on certain individual credit worthiness criteria. Currently, our rates range from the rates shown, up to 18.00%. For information regarding the rate you may qualify for, contact the credit union at 1-800-622-5305. All services, such as loans, credit cards and checking accounts, are subject to approval. Santa Helper Loans available through end of January.
** Starting April 1, 2014, Carolinas Telco FCU will pay 2% CashBack rebates on eligible Purchases. Purchases do not include cash advances, convenience checks, balance transfers, or returns. Rebate payouts will post to the credit card every April, July, October, and January, provided the account remains in good standing. See Official CashBack rules. Additional rules and restrictions may apply. If you have a standard Visa Platinum Credit Card with Carolinas Telco, you do not earn CashBack rewards and additional benefits may be limited.
*** Beginning April 1, 2011, the referrer is eligible for a $25 Visa Gift Card. The new member must open an account with a minimum $25 deposit. For a referral to qualify, the new account must be open for 30 days and both members’ Regular Share Accounts must be open with a $25 minimum balance, and must be in good standing. Only one $25 Visa Gift Card can be rewarded to a referrer for a single account opened, so in the event that more than one individual claims to have referred, the first individual that responds will be entitled to the prize. If a member is able to assist us with arranging an on-site visit with their telecommunications employer, member will earn a $25 Visa Gift Card, but would not be eligible to earn a prize for referring accounts opened during the on-site visit. Promotion is subject to end at credit union discretion. Employees, officials, and volunteers of Carolinas Telco, and their immediate family, are not eligible.
+ The dividends are based on the credit union’s earnings at the end of a dividend period and thus cannot be guaranteed for future years. Bonus dividend payouts are reportable on IRS form 1099-INT. The bonus dividend will post to the 001 Prime Share Savings Account, which must be open at the time of the special dividend processing in order to receive the dividend.

Copyright© 2015 Carolinas Telco Federal Credit Union. All rights reserved.

This credit union is federally insured by the National Credit Union Administration.