--- title: "Telco Community Credit Union Rates - North Carolina" description: "Current mortgage, vehicle loan, personal loan, credit card, and equipment loan rates from Telco Community Credit Union in North Carolina. Updated daily with source verification. See who can join Telco Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/telco-community-credit-union" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Telco Community Credit Union Rates - North Carolina ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Land Loan - Fixed** other | — APR | 8.750% | — | Context only | Telco Community Credit Union mortgage rates as of November 11, 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 | Telco Community Credit Union auto & vehicle rates as of November 11, 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 | Telco Community Credit Union personal loan rates as of November 11, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 10.900% | — | Standard | Telco Community Credit Union credit card rates as of November 11, 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 | Telco Community Credit Union equipment loan rates as of November 11, 2026 Telco Community Credit Union is a credit union in North Carolina. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/telco-community-credit-union) , verified from [Telco Community Credit Union's official website](https://www.telcoccu.org/) Loading branch locator… ## About Telco Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 35K Assets $424.5M Founded 1935 Locations reported 13 NCUA charter 63545 Charter type Federally insured state-chartered 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 - Credit-builder products 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. [**Mountain** Mountain Credit Union · Candler · NC · 28715 About 3.8 miles away](https://rateapi.dev/credit-unions/north-carolina/mountain) [**Civic** Asheville · Asheville · NC · 28806 About 5.5 miles away](https://rateapi.dev/credit-unions/north-carolina/civic) [**State Employees'** ASHEVILLE - SMOKEY PARK HIGHWAY · ASHEVILLE · NC · 28806 About 6.0 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) [**Champion** Champion CU - Canton · Canton · NC · 28716 About 7.3 miles away](https://rateapi.dev/credit-unions/north-carolina/champion) [**United** Asheville - Branch 24 · Asheville · NC · 28806 About 7.4 miles away](https://rateapi.dev/credit-unions/michigan/united) [**Arcade** Arcade Credit Union · Asheville · NC · 28801 About 10.3 miles away](https://rateapi.dev/credit-unions/north-carolina/arcade) 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 Telco Community Credit Union Membership eligibility from Telco Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Telco Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location alexander, avery, buncombe, burke, caldwell, catawba, cleveland, haywood, henderson, iredell, jackson, lincoln, madison, mcdowell, mitchell, polk, rutherford, transylvania, watauga, wilkes, yancey — NC - Employer Select Employee Groups (SEG) Verified from [Telco Community Credit Union's membership page](https://www.telcoccu.org/about-us) . Final membership determination is always made by the credit union. ## Membership rules for Telco Community Credit Union Geography 21 counties · Employers · Family 86 published paths to membership, last verified August 27, 2026, quoted from Telco Community Credit Union’s own published criteria. ### Geography 21 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Alexander County, NC - Avery County, NC - Buncombe County, NC - Burke County, NC - Caldwell County, NC - Catawba County, NC - Cleveland County, NC - Haywood County, NC - Henderson County, NC - Iredell County, NC - Jackson County, NC - Lincoln County, NC - Madison County, NC - Mcdowell County, NC - Mitchell County, NC - Polk County, NC - Rutherford County, NC - Transylvania County, NC - Watauga County, NC - Wilkes County, NC - Yancey County, NC “You may become a member of Telco Community Credit Union if you Live, Work, Worship, or Attend School in Alexander County, Avery County, Buncombe County, Burke County, Caldwell County, Catawba County, Cleveland County, Haywood County, Henderson County, Iredell County, Jackson County, Lincoln County,…” > [source ↗](https://www.telcoccu.org/about-us) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Employee of Select Employee Groups (SEG) “or if you are an employee of one of our Select Employee Groups (SEG).” > [source ↗](https://www.telcoccu.org/about-us) - Employee of Select Employee Groups (SEG) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member relative “In addition, all relatives of current members can become members regardless of residency.” > [source ↗](https://www.telcoccu.org/about-us) - Family member (relative) 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 Telco Community Credit Union? Yes No ## Work at Telco Community 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 Telco Community Credit Union ranks against North Carolina peers. - See which AI assistants fetched Telco Community 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=telco-community-credit-union&state=north-carolina&code=NC&name=Telco%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Telco Community Credit Union offer? Telco Community Credit Union currently offers mortgage, vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 11, 2026 directly from the credit union's official website. ### How often are Telco Community Credit Union rates updated? RateAPI verifies Telco Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 11, 2026. ### Where does RateAPI get Telco Community Credit Union's rate data? Rate data is collected directly from Telco Community 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 Telco Community Credit Union? Telco Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 86 published membership paths covering 21 counties and 1 employer for Telco Community Credit Union, each quoted from Telco Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Telco Community 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 Telco Community 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 Telco Community Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /telco-community-credit-union " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Telco Community Credit Union locations Search, filter, and browse all 13 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/telco-community-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp