--- title: "Electel Cooperative Credit Union Rates (Nov 2026): CDs to 3.90%" description: "Electel Cooperative Credit Union rates today: savings & CDs up to 3.90% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Electel Cooperative Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/electel-cooperative" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Electel Cooperative Credit Union Rates (Nov 2026): CDs to 3.90% ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 3.650% | new | Standard | | **Used Auto Loan** auto_used | — APR | 4.400% | used | Standard | | **RV, Watercraft & Motorcycle** rv | — APR | 8.950% | — | Standard | Electel Cooperative Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.000% | — | Standard | Electel Cooperative Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Signature Loan** personal_unsecured | — APR | 6.750% | — | Standard | | **Energy Efficient Loan** personal | — APR | 6.900% | — | Standard | | **Other Collateral** personal_secured | — APR | 10.900% | — | Standard | Electel Cooperative 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 | 9.900% | — | Standard | Electel Cooperative Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 16 offers | Product | Published | Rate | Term / condition | Status | | **Checking** checking | — APY | 0.05% | — | Standard | | **Savings** savings | — APY | 0.50% | — | Standard | | **IRA** ira | — APY | 0.50% | — | Standard | | **IRA Money Market** ira | — APY | 2.25% | — | Standard | | **HSA** savings | — APY | 2.25% | — | Standard | | **Money Market** money_market | — APY | 2.67% | — | Standard | | **Certificate (180 Day)** share_certificate | 3.70% APY | 3.64% | — | Standard | | **IRA Certificate (180 Day)** ira_cd | 3.70% APY | 3.64% | — | Standard | | **36-Month Certificate** share_certificate_36mo | 3.80% APY | 3.73% | 36 mo | Standard | | **30-Month IRA Certificate** ira_cd_30mo | 3.80% APY | 3.73% | 30 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 3.80% APY | 3.73% | 36 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.85% APY | 3.78% | 12 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | 3.90% APY | 3.83% | 18 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.90% APY | 3.83% | 24 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 3.90% APY | 3.83% | 24 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 3.90% APY | 3.83% | 18 mo | Standard | Electel Cooperative Credit Union savings & cd rates as of November 12, 2026 ### Equipment loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Lawn, Garden & Farm Equipment** equipment | — APR | 9.900% | — | Standard | Electel Cooperative Credit Union equipment loan rates as of November 12, 2026 Savings and certificate yields up to 3.90% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/electel-cooperative) , verified from [Electel Cooperative Credit Union's official website](https://electel.org/) Best statewide position **#1 of 21** New Auto Loan (best offer, cars) Percentile band **Top 5%** among comparable NC offers Products tracked **5** in this dated snapshot Best-position spread **84 bp better than state median** State market leader | Product | Published rate | State rank | State best | State median | Position vs. median | | New Auto Loan (best offer, cars) | 3.65% APR | #1 of 21 · top 5% | 3.65% | 4.49% | 84 bp better than state median | | Used Auto Loan (best offer, cars) | 4.40% APR | #2 of 21 · top 10% | 3.99% | 4.99% | 59 bp better than state median | | HELOC (best offer) | 6.00% APR | #4 of 17 · top 24% | 3.50% | 6.65% | 65 bp better than state median | | Personal Loan (unsecured, best offer) | 6.75% APR | #5 of 35 · top 15% | 4.85% | 9.74% | 299 bp better than state median | | 12-Month CD (best APY) | 3.85% APY | #3 of 8 · top 38% | 4.00% | 3.50% | 35 bp better than state median | Published rate position by comparable product on August 1, 2026 Loading branch locator… ## About Electel Cooperative Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7.4K Assets $66.5M Founded 1969 Locations reported 5 NCUA charter 24819 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - 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. [**State Employees'** RALEIGH - MIDTOWN MARKET AVE · Raleigh · NC · 27616-8082 About 0.3 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) [**Navy Federal Credit Union** Triangle Tn Ctr Raleigh NC · Raleigh · NC · 27616 About 1.7 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Latino Community** Raleigh Branch · Raleigh · NC · 27604 About 2.5 miles away](https://rateapi.dev/credit-unions/north-carolina/latino-community) [**Langley FCU** North Raleigh Branch · Raleigh · NC · 27615 About 4.5 miles away](https://rateapi.dev/credit-unions/virginia/langley-fcu) [**Civic** LGFCU WFR Operations Centre · Raleigh · NC · 27609-7309 About 5.0 miles away](https://rateapi.dev/credit-unions/north-carolina/civic) [**Coastal** Wakefield Commons #106 · Raleigh · NC · 27614-6819 About 5.4 miles away](https://rateapi.dev/credit-unions/north-carolina/coastal) 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 Electel Cooperative Credit Union Membership eligibility from Electel Cooperative Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Electel Cooperative Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Albemarle EMC, ATMC (Atlantic), BIT Communications, Blue Ridge Energy, Brunswick EMC, Buggs Island Telephone, Cape Hatteras EMC, Carteret-Craven EMC, Central EMC, Craig-Botetourt Electric, Edgecombe-Martin EMC, Energy United, Four County EMC, French Broad EMC, Halifax EMC, Haywood EMC, Jones-Onslow EMC, Lumbee River EMC, Mecklenburg Electric, Northern Neck EC, Old Dominion Electric, Pee Dee EMC, Piedmont EMC, Pitt-Greene EMC, Prince George Electric, Randolph EMC, Randolph TMC, Rappahannock Electric, Roanoke Electric Cooperative, Rutherford EMC, Sandhills Utility, Scott County Telephon, Shenandoah Valley Electric, Skyline Telephone, South River EMC, Southside Electric, Star TMC, Surry TMC, Surry-Yadkin EMC, Tideland EMC, Tri-County EMC, Union Power Cooperative, Wilkes Telephone Communications, Wake EMC, Yadkin Valley Telephone Verified from [Electel Cooperative Credit Union's membership page](https://electel.org/join-now/who-can-join/) . Final membership determination is always made by the credit union. ## Membership rules for Electel Cooperative Credit Union Employers 45 · Family 50 95 published paths to membership, last verified September 13, 2026, quoted from Electel Cooperative Credit Union’s own published criteria. ### Employers 45 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Employee of electric cooperative “All employees, officers, directors and members of the immediate family of the following electric and telephone cooperatives.” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of electric cooperative - Employee of Utility “All employees, officers, directors and members of the immediate family of the following electric and telephone cooperatives.” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Utility - Employee of Albemarle EMC “Albemarle EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Albemarle EMC - Employee of ATMC (Atlantic) “ATMC (Atlantic)” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of ATMC (Atlantic) - Employee of BIT Communications “BIT Communications” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of BIT Communications - Employee of Blue Ridge Energy “Blue Ridge Energy” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Blue Ridge Energy - Employee of Brunswick EMC “Brunswick EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Brunswick EMC - Employee of Buggs Island Telephone “Buggs Island Telephone” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Buggs Island Telephone - Employee of Cape Hatteras EMC “Cape Hatteras EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Cape Hatteras EMC - Employee of Carteret-Craven EMC “Carteret-Craven EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Carteret-Craven EMC - Employee of Central EMC “Central EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Central EMC - Employee of Craig-Botetourt Electric “Craig-Botetourt Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Craig-Botetourt Electric - Employee of Edgecombe-Martin EMC “Edgecombe-Martin EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Edgecombe-Martin EMC - Employee of Energy United “Energy United” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Energy United - Employee of Four County EMC “Four County EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Four County EMC - Employee of French Broad EMC “French Broad EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of French Broad EMC - Employee of Halifax EMC “Halifax EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Halifax EMC - Employee of Haywood EMC “Haywood EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Haywood EMC - Employee of Jones-Onslow EMC “Jones-Onslow EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Jones-Onslow EMC - Employee of Lumbee River EMC “Lumbee River EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Lumbee River EMC - Employee of Mecklenburg Electric “Mecklenburg Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Mecklenburg Electric - Employee of Northern Neck EC “Northern Neck EC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Northern Neck EC - Employee of Old Dominion Electric “Old Dominion Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Old Dominion Electric - Employee of Pee Dee EMC “Pee Dee EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Pee Dee EMC - Employee of Piedmont EMC “Piedmont EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Piedmont EMC - Employee of Pitt-Greene EMC “Pitt-Greene EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Pitt-Greene EMC - Employee of Prince George Electric “Prince George Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Prince George Electric - Employee of Randolph EMC “Randolph EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Randolph EMC - Employee of Randolph TMC “Randolph TMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Randolph TMC - Employee of Rappahannock Electric “Rappahannock Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Rappahannock Electric - Employee of Rutherford EMC “Rutherford EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Rutherford EMC - Employee of Scott County Telephon “Scott County Telephon” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Scott County Telephon - Employee of Shenandoah Valley Electric “Shenandoah Valley Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Shenandoah Valley Electric - Employee of Skyline Telephone “Skyline Telephone” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Skyline Telephone - Employee of South River EMC “South River EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of South River EMC - Employee of Southside Electric “Southside Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Southside Electric - Employee of Star TMC “Star TMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Star TMC - Employee of Surry TMC “Surry TMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Surry TMC - Employee of Surry-Yadkin EMC “Surry-Yadkin EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Surry-Yadkin EMC - Employee of Tideland EMC “Tideland EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Tideland EMC - Employee of Tri-County EMC “Tri-County EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Tri-County EMC - Employee of Union Power Cooperative “Union Power Cooperative” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Union Power Cooperative - Employee of Wilkes Telephone Communications “Wilkes Telephone Communications” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Wilkes Telephone Communications - Employee of Wake EMC “Wake EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Wake EMC - Employee of Yadkin Valley Telephone “Yadkin Valley Telephone” > [source ↗](https://electel.org/join-now/who-can-join/) - Employee of Yadkin Valley Telephone ### Family 50 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Family Of Qualified Albemarle EMC “Albemarle EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Albemarle EMC - Family Of Qualified ATMC (Atlantic) “ATMC (Atlantic)” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of ATMC (Atlantic) - Family Of Qualified BIT Communications “BIT Communications” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of BIT Communications - Family Of Qualified Blue Ridge Energy “Blue Ridge Energy” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Blue Ridge Energy - Family Of Qualified Brunswick EMC “Brunswick EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Brunswick EMC - Family Of Qualified Buggs Island Telephone “Buggs Island Telephone” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Buggs Island Telephone - Family Of Qualified Cape Hatteras EMC “Cape Hatteras EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Cape Hatteras EMC - Family Of Qualified Carteret-Craven EMC “Carteret-Craven EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Carteret-Craven EMC - Family Of Qualified Central EMC “Central EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Central EMC - Family Of Qualified Central Va. Electric “Central Va. Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Central Va. Electric - Family Of Qualified Community Electric “Community Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Community Electric - Family Of Qualified Craig-Botetourt Electric “Craig-Botetourt Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Craig-Botetourt Electric - Family Of Qualified Edgecombe-Martin EMC “Edgecombe-Martin EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Edgecombe-Martin EMC - Family Of Qualified Energy United “Energy United” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Energy United - Family Of Qualified Four County EMC “Four County EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Four County EMC - Family Of Qualified French Broad EMC “French Broad EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of French Broad EMC - Family Of Qualified Halifax EMC “Halifax EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Halifax EMC - Family Of Qualified Haywood EMC “Haywood EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Haywood EMC - Family Of Qualified Jones-Onslow EMC “Jones-Onslow EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Jones-Onslow EMC - Family Of Qualified Lumbee River EMC “Lumbee River EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Lumbee River EMC - Family Of Qualified Mecklenburg Electric “Mecklenburg Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Mecklenburg Electric - Family Of Qualified Northern Neck EC “Northern Neck EC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Northern Neck EC - Family Of Qualified Northern Va. Electric “Northern Va. Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Northern Va. Electric - Family Of Qualified Old Dominion Electric “Old Dominion Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Old Dominion Electric - Family Of Qualified Pee Dee EMC “Pee Dee EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Pee Dee EMC - Family Of Qualified Piedmont EMC “Piedmont EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Piedmont EMC - Family Of Qualified Pitt-Greene EMC “Pitt-Greene EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Pitt-Greene EMC - Family Of Qualified Prince George Electric “Prince George Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Prince George Electric - Family Of Qualified Randolph EMC “Randolph EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Randolph EMC - Family Of Qualified Randolph TMC “Randolph TMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Randolph TMC - Family Of Qualified Rappahannock Electric “Rappahannock Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Rappahannock Electric - Family Of Qualified electric cooperative “Roanoke Electric Cooperative” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of electric cooperative - Family Of Qualified Rutherford EMC “Rutherford EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Rutherford EMC - Family Of Qualified Utility “Sandhills Utility” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Utility - Family Of Qualified Scott County Telephon “Scott County Telephon” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Scott County Telephon - Family Of Qualified Shenandoah Valley Electric “Shenandoah Valley Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Shenandoah Valley Electric - Family Of Qualified Skyline Telephone “Skyline Telephone” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Skyline Telephone - Family Of Qualified South River EMC “South River EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of South River EMC - Family Of Qualified Southside Electric “Southside Electric” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Southside Electric - Family Of Qualified Star TMC “Star TMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Star TMC - Family Of Qualified Surry TMC “Surry TMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Surry TMC - Family Of Qualified Surry-Yadkin EMC “Surry-Yadkin EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Surry-Yadkin EMC - Family Of Qualified Tideland EMC “Tideland EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Tideland EMC - Family Of Qualified Tri-County EMC “Tri-County EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Tri-County EMC - Family Of Qualified Union Power Cooperative “Union Power Cooperative” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Union Power Cooperative - Family Of Qualified Wilkes Telephone Communications “Wilkes Telephone Communications” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Wilkes Telephone Communications - Family Of Qualified Wake EMC “Wake EMC” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Wake EMC - Family Of Qualified Yadkin Valley Telephone “Yadkin Valley Telephone” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of an employee of Yadkin Valley Telephone - Family of a member immediate family “All employees, officers, directors and members of the immediate family of the following electric and telephone cooperatives.” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family) of a member - Family of a member immediate family, household member “Consumers/Members and members of the immediate family or household of the following cooperatives” > [source ↗](https://electel.org/join-now/who-can-join/) - Family member (immediate family, 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 Electel Cooperative Credit Union? Yes No ## Work at Electel 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 Electel Cooperative Credit Union ranks against North Carolina peers. - See which AI assistants fetched Electel 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=electel-cooperative&state=north-carolina&code=NC&name=Electel%20Cooperative%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Electel Cooperative Credit Union offer? Electel Cooperative Credit Union currently offers vehicle loan, HELOC, 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 Electel Cooperative Credit Union rates updated? RateAPI verifies Electel Cooperative 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 Electel Cooperative Credit Union's rate data? Rate data is collected directly from Electel Cooperative Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Electel Cooperative Credit Union's best CD rate? As of November 12, 2026, Electel Cooperative Credit Union offers savings and certificate (CD) yields up to 3.90% APY. ### Who can join Electel Cooperative Credit Union? Electel Cooperative Credit Union publishes its membership criteria on its own website. RateAPI tracks 95 published membership paths covering 45 employers for Electel Cooperative Credit Union, each quoted from Electel Cooperative Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Electel 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 HELOC rate leaders](https://rateapi.dev/heloc-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://electel.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 Electel 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 Electel Cooperative Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /electel-cooperative " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Electel Cooperative Credit Union locations Search, filter, and browse all 5 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/electel-cooperative Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp