--- title: "Carolinas Telco Credit Union Rates - North Carolina" description: "Current mortgage, vehicle loan, personal loan, credit card, and equipment loan rates from Carolinas Telco Credit Union in North Carolina. Updated daily with source verification. See who can join Carolinas Telco Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/carolinas-telco" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Carolinas Telco Credit Union Rates - North Carolina ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Land Loan - Fixed** other | — APR | 8.750% | — | Context only | Carolinas Telco Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **84-Month New Auto Loan** auto_new_84mo | — APR | 3.990% | 84 mo · new | Standard | | **72-Month Used Auto Loan** auto_used_72mo | — APR | 4.090% | 72 mo · used | Standard | | **84-Month New Motorcycle Loan** motorcycle_new_84mo | — APR | 6.490% | 84 mo · new | Standard | | **New Campers/RVs/Boats** rv_new_84mo | — APR | 6.490% | 84 mo · new | Standard | | **Used Campers/RVs/Boats** rv_used_72mo | — APR | 6.990% | 72 mo · used | Standard | | **72-Month Used Motorcycle Loan** motorcycle_used_72mo | — APR | 6.990% | 72 mo · used | Standard | Carolinas Telco Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **12-Month Credit Builder Loan** personal_unsecured_12mo | — APR | 15.000% | 12 mo | Standard | | **36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 15.000% | 36 mo | Standard | Carolinas Telco Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 10.900% | — | Standard | Carolinas Telco Credit Union credit card rates as of November 12, 2026 ### Equipment loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New Farm Equipment** equipment_new_84mo | — APR | 6.490% | — | Standard | | **Used Farm Equipment** equipment_used_72mo | — APR | 6.990% | — | Standard | Carolinas Telco Credit Union equipment loan rates as of November 12, 2026 Carolinas Telco Credit Union is a credit union in North Carolina. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/carolinas-telco) , verified from [Carolinas Telco Credit Union's official website](https://www.telcoccu.org/) Loading branch locator… ## About Carolinas Telco Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 31.6K Assets $514.4M Founded 1979 Locations reported 10 NCUA charter 23494 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships 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. [**Bluegrass Community** Webvault · Charlotte · NC · 28269 About 1.9 miles away](https://rateapi.dev/credit-unions/kentucky/bluegrass-community) [**Labor Management** Fidelity National Information · Charlotte · NC · 28269-2619 About 1.9 miles away](https://rateapi.dev/credit-unions/kentucky/labor-management) [**Livingston Parish** Fidelity national Information Service · Charlotte · NC · 28269-2619 About 1.9 miles away](https://rateapi.dev/credit-unions/louisiana/livingston-parish) [**Allegacy** Charlotte · Charlotte · NC · 28269 About 2.0 miles away](https://rateapi.dev/credit-unions/north-carolina/allegacy) [**Skyla** University · Charlotte · NC · 28262 About 2.0 miles away](https://rateapi.dev/credit-unions/north-carolina/skyla) [**Vanderbilt** Fiserv · Charlotte · NC · 28262-1042 About 2.2 miles away](https://rateapi.dev/credit-unions/tennessee/vanderbilt) 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 Carolinas Telco Credit Union Membership eligibility from Carolinas Telco Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in Alexander, Avery, Buncombe +18 more, NC - Location Alexander, Avery, Buncombe, Burke, Caldwell, Catawba, Cleveland, Haywood, Henderson, Iredell, Jackson, Lincoln, Madison, McDowell, Mitchell, Polk, Rutherford, Transylvania, Watauga, Wilkes, Yancey — NC Verified from [Carolinas Telco Credit Union's membership page](https://www.telcoccu.org/) . Final membership determination is always made by the credit union. ## Work at Carolinas Telco 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 Carolinas Telco Credit Union ranks against North Carolina peers. - See which AI assistants fetched Carolinas Telco 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=carolinas-telco&state=north-carolina&code=NC&name=Carolinas%20Telco%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Carolinas Telco Credit Union offer? Carolinas Telco Credit Union currently offers mortgage, vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Carolinas Telco Credit Union rates updated? RateAPI verifies Carolinas Telco Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Carolinas Telco Credit Union's rate data? Rate data is collected directly from Carolinas Telco 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 Carolinas Telco Credit Union? Community charter: live/work in Alexander, Avery, Buncombe +18 more, NC ## Related Rate Data Compare Carolinas Telco Credit Union's rates against national credit-union benchmarks. [More North Carolina credit unions](https://rateapi.dev/credit-unions/north-carolina) [North Carolina mortgage rate leaders](https://rateapi.dev/mortgage-rates/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) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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.telcoccu.org/) ### 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 Carolinas Telco 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 Carolinas Telco Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /carolinas-telco " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Carolinas Telco Credit Union locations Search, filter, and browse all 10 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/carolinas-telco Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp