--- title: "Carolina Cooperative Credit Union Rates - North Carolina" description: "Current vehicle loan, personal loan, credit card, and savings & cd rates from Carolina Cooperative Credit Union in North Carolina. Updated daily with source verification. See who can join Carolina Cooperative Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/carolina-cooperative-credit-union" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # Carolina Cooperative Credit Union Rates - North Carolina ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | ***Auto Loans* Credit Scores 780 & Higher** auto | — APR | 4.990% | — | Standard | | ***Auto Loans* Credit Scores 700-779** auto | — APR | 5.990% | — | Standard | | ***Auto Loans* Credit Scores 650-699** auto | — APR | 7.250% | — | Standard | | **Recreational Vehicles (Credit Score 600 and Higher)*** rv | — APR | 8.000% | — | Standard | | ***Auto Loans* Credit Scores 600-649** auto | — APR | 9.990% | — | Standard | | ***Auto Loans* Credit Scores 550-599** auto | — APR | 13.990% | — | Standard | | ***Auto Loans* Credit Rebuilding** auto | — APR | 17.500% | — | Standard | Carolina Cooperative Credit Union auto & vehicle rates as of September 25, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | ***Personal Loan* Credit Scores 780 & Higher** personal_unsecured | — APR | 9.990% | — | Standard | | **Personal Loan - $1499.00 or Less Up to 24 Months** personal_unsecured_24mo | — APR | 9.990% | 24 mo | Standard | | **Personal Loan - $1500.00 or Greater Up to 48 Months** personal_unsecured_48mo | — APR | 9.990% | 48 mo | Standard | | **No Credit Check Loan*** personal | — APR | 15.000% | — | Standard | | **Personal Loan - Credit Rebuilding** personal_unsecured | — APR | 17.900% | — | Standard | Carolina Cooperative Credit Union personal loan rates as of September 25, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Select VISA Credit Card*** credit_card | — APR | 8.900% | — | Standard | | **VISA Credit Card Secured by Savings* *Earn points and purchase gifts!** credit_card_secured | — APR | 8.900% | — | Standard | | **Classic VISA Credit Card*** credit_card | — APR | 12.900% | — | Standard | Carolina Cooperative Credit Union credit card rates as of September 25, 2026 ### Savings & CD rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Share Account ($5.00 Establishes and Maintains Membership - $100.00 Min Bal to Earn Div)** share_savings | — APY | 0.05% | — | Standard | | **Vacation Club Savings Account ($100.00 Min Bal to earn Div - One withdrawal per calendar quarter)** savings | — APY | 0.15% | — | Specialty offer | | **E-Checking Account (No Min Bal) (Dividends paid up to $25,000.00)** checking | — APY | 0.25% | — | Specialty offer | | **IRA Accumulation Account** ira | — APY | 0.35% | — | Standard | | **Money Market ($250+)** money_market | — APY | 0.90% | — | Standard | Carolina Cooperative Credit Union savings & cd rates as of September 25, 2026 Carolina Cooperative Credit Union is a credit union in North Carolina. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/carolina-cooperative) , verified from [Carolina Cooperative Credit Union's official website](https://www.carolinacoopcu.com/) Loading branch locator… ## About Carolina Cooperative Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 8.5K Assets $47.3M Founded 1962 Locations reported 3 NCUA charter 24801 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Financial counseling - Financial education - Credit-builder products - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Sharonview** Carmel · Charlotte · NC · 28226-0426 About 1.6 miles away](https://rateapi.dev/credit-unions/south-carolina/sharonview) [**Advancial** South Charlotte · Charlotte · NC · 28226 About 1.7 miles away](https://rateapi.dev/credit-unions/texas/advancial) [**State Employees'** PINEVILLE · PINEVILLE · NC · 28134 About 2.9 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) [**Carolinas Telco** Charlotte - South Blvd. · Charlotte · NC · 28273 About 3.3 miles away](https://rateapi.dev/credit-unions/north-carolina/carolinas-telco) [**Founders** Charlotte East · Charlotte · NC · 28217-5811 About 4.0 miles away](https://rateapi.dev/credit-unions/south-carolina/founders) [**Truliant** Waverly · Charlotte · NC · 28277 About 4.5 miles away](https://rateapi.dev/credit-unions/north-carolina/truliant) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Carolina Cooperative Credit Union Membership eligibility from Carolina Cooperative Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Carolina Cooperative Credit Union's website. Check the membership page below to confirm whether you qualify. - Location gaston — NC Verified from [Carolina Cooperative Credit Union's membership page](https://www.carolinacoopcu.com/membership) . Final membership determination is always made by the credit union. ## Membership rules for Carolina Cooperative Credit Union Geography 1 county · Family 4 8 published paths to membership, last verified August 27, 2026, quoted from Carolina Cooperative Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Gaston County, NC “Individuals can also join our credit union if they live, work, worship or study in the majority of Gaston County!” > [source ↗](https://www.carolinacoopcu.com/membership) ### Family 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, step-siblings, adoptive relationships, household member “Family of our members may also become part of our credit union family. Family is defined as spouse, child, sibling, parent, grandparent or grandchild. Immediate family member includes stepparents, stepchildren, step-siblings and adoptive relationships. Household is defined as persons living in the…” > [source ↗](https://www.carolinacoopcu.com/membership) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, step-siblings, adoptive relationships, household member) of a member - Family of a member spouse, child, sibling, parent, grandparent, grandchild “Family of our members may also become part of our credit union family. Family is defined as spouse, child, sibling, parent, grandparent or grandchild.” > [source ↗](https://www.carolinacoopcu.com/membership) - Family member (spouse, child, sibling, parent, grandparent, grandchild) of a member - Family of a member stepparents, stepchildren, step-siblings, adoptive relationships “Immediate family member includes stepparents, stepchildren, step-siblings and adoptive relationships.” > [source ↗](https://www.carolinacoopcu.com/membership) - Family member (stepparents, stepchildren, step-siblings, adoptive relationships) of a member - Family of a member household member “Household is defined as persons living in the same residence maintaining a single economic unit.” > [source ↗](https://www.carolinacoopcu.com/membership) - Family member (household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Carolina Cooperative Credit Union? Yes No ## Work at Carolina Cooperative Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Carolina Cooperative Credit Union ranks against North Carolina peers. - See which AI assistants fetched Carolina Cooperative Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=carolina-cooperative&state=north-carolina&code=NC&name=Carolina%20Cooperative%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Carolina Cooperative Credit Union offer? Carolina Cooperative Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified September 25, 2026 directly from the credit union's official website. ### How often are Carolina Cooperative Credit Union rates updated? RateAPI verifies Carolina Cooperative Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified September 25, 2026. ### Where does RateAPI get Carolina Cooperative Credit Union's rate data? Rate data is collected directly from Carolina Cooperative Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Carolina Cooperative Credit Union? Carolina Cooperative Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 1 county for Carolina Cooperative Credit Union, each quoted from Carolina Cooperative Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Carolina Cooperative Credit Union's rates against national credit-union benchmarks. [More North Carolina credit unions](https://rateapi.dev/credit-unions/north-carolina) [North Carolina auto loan rate leaders](https://rateapi.dev/auto-loan-rates/north-carolina) [North Carolina personal loan leaders](https://rateapi.dev/personal-loan-rates/north-carolina) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.carolinacoopcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Carolina Cooperative Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Carolina credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Carolina Cooperative Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /carolina-cooperative " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Carolina Cooperative Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/north-carolina/carolina-cooperative-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp