Credit union · NCUA insured
Carolinas Telco Federal Credit Union Auto Loan Rates
Top CarrotCarolinas Telco Federal Credit Union auto loans start at 6.00% APR for a new vehicle and 7.25% for a used one. Rates checked October 22, 2026.
How Carolinas Telco Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Carolinas Telco Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Carolinas Telco Federal Credit Union
6.00%APR
- Terms
- up to 60 months
- Up to
- —
New Auto Loans
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
Carolinas Telco Federal Credit Union auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.00%
- Used vehicleUsed7.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Carolinas Telco Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Refinance Promotional Program
Program available October 1 through December 31, 2026. Refinances from other lenders only (existing CTFCU auto loans not eligible). Minimum credit score 620. Credit report must reflect at least 6 payments on existing loan. Must provide current loan statement. First payment may be deferred for up to 60 days (interest continues to accrue). Membership required. Rates based on creditworthiness up to 18.00%.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.25% | Promotional refinance offer available October 1 through December 31, 2026. Reduce existing rate by up to 2.25% APR, with rates as low as 4.25% APR. Minimum credit score 620, at least 6 payments on existing loan. First payment deferred up to 60 days. |
Sources (1)
- ctelco.org/auto-loans · captured Oct 4, 2026
Extended Age and Mileage Used Auto Loans
Eligible vehicles include: 6-10 model years old or mileage between 100,001-150,000 miles. Membership in Carolinas Telco FCU required. Rates based on creditworthiness up to 18.00%.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 7.00% | Rate is as low as 7.00% APR based on creditworthiness. Vehicle age 6-10 model years old or mileage 100,001-150,000 miles. |
| up to 60 months | 8.25% | Rate is as low as 8.25% APR based on creditworthiness. Vehicle age 6-10 model years old or mileage 100,001-150,000 miles. |
New Auto Loans
Vehicle must be prior year, current year, or upcoming year model with 15,000 miles or less, and never previously titled. Membership in Carolinas Telco FCU required. Rates based on creditworthiness up to 18.00%.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.50% | Rate is as low as 4.50% APR based on creditworthiness. Vehicle must be prior year, current year, or upcoming year model with 15,000 miles or less, and never previously titled. |
| up to 48 months | 5.00% | Rate is as low as 5.00% APR based on creditworthiness. Vehicle must be prior year, current year, or upcoming year model with 15,000 miles or less, and never previously titled. |
| up to 60 months | 6.00% | Rate is as low as 6.00% APR based on creditworthiness. Vehicle must be prior year, current year, or upcoming year model with 15,000 miles or less, and never previously titled. |
| up to 72 months | 7.00% | Rate is as low as 7.00% APR based on creditworthiness. Vehicle must be prior year, current year, or upcoming year model with 15,000 miles or less, and never previously titled. |
| up to 84 months | 7.75% | Rate is as low as 7.75% APR based on creditworthiness. Vehicle must be prior year, current year, or upcoming year model with 15,000 miles or less, and never previously titled. |
Used Auto Loans
Vehicles must be 5 model years or newer (including the current year). Mileage must not exceed 100,000 miles. Maximum term of 72 months. Membership in Carolinas Telco FCU required. Rates based on creditworthiness up to 18.00%.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 5.50% | Rate is as low as 5.50% APR based on creditworthiness. Vehicles must be 5 model years or newer, mileage <= 100,000 miles. |
| up to 48 months | 6.25% | Rate is as low as 6.25% APR based on creditworthiness. Vehicles must be 5 model years or newer, mileage <= 100,000 miles. |
| up to 60 months | 7.25% | Rate is as low as 7.25% APR based on creditworthiness. Vehicles must be 5 model years or newer, mileage <= 100,000 miles. |
| up to 72 months | 8.25% | Rate is as low as 8.25% APR based on creditworthiness. Vehicles must be 5 model years or newer, mileage <= 100,000 miles. |
Who can join Carolinas Telco Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school within designated underserved zip codes in Mecklenburg County (NC), Wake County (NC), Gaston County (NC), or Richland County (SC) are eligible for membership.
Employers and groups
- Employees of participating Select Employer Groups (S.E.G.) in North Carolina and South Carolina are eligible for membership.
Family and household
- Immediate family, household members, friends, and co-workers qualify for membership when referred by a current CTFCU member.
Other ways
- Members or persons affiliated with eligible partner associations or cooperatives (such as NC Consumers Council, CWA locals, IBEW Local 379, First in Families of North Carolina, No Grease Barber School, Temple Chapel Baptist Church, or SC Telecommunications and Broadband Association) are eligible for membership.
Cost to join
- An initial share deposit of $5.00 to open a Prime Share Savings Account is required to establish and maintain membership.
Membership information collected October 4, 2026.