Carolinas Telco Federal Credit Union CD Rates

How Carolinas Telco Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Charlotte, NC-SC, where Carolinas Telco Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Carolinas Telco Federal Credit Union
4.30%APY
Term
15 months
Minimum
$500
Earns on $10,000
$540
Share Certificate Accounts
Top rate
Allegacy Financial
5.00%APY
Term
5 months
Minimum
$500
Earns on $10,000
$205
Allegacy Financial rates
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
Term
12 months
Minimum
—
Earns on $10,000
$500
Truliant Federal Credit Union rates

Compare CD rates near you →

89

CD score

Higher than 89% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.30%
9–15 months9–15 mo4.30%
16–30 months16–30 mo4.07%
31–60 months31–60 mo3.82%
QualifiedQualified4.30%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Carolinas Telco Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Share Certificate Accounts

Up to 4.30%APY · 7 termsFrom $500 to open

Must deposit or maintain minimum required share(s) in a Prime Share Savings account ($5.00 par value). Dividends compounded and credited monthly. Dividends calculated using the average daily balance method. Penalty applies for early withdrawal. Account automatically renews at maturity unless specified otherwise.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months	3.30%	$164
9 months	3.56%	$266
12 months	3.92%	$392
15 months	4.30%	$540
24 months	4.07%	$831
36 months	3.82%	$1,190
48 months	3.51%	$1,480

Sources (3)

All captured Oct 15, 2026

Special-purpose accounts

IRA Certificate Accounts

Up to 4.30%APY · 7 termsIRAFrom $500 to open

Available as Traditional or Roth IRA certificates. Must deposit or maintain minimum required share(s) in a Prime Share Savings account ($5.00 par value). Dividends compounded and credited monthly. Dividends calculated using average daily balance method. Penalty applies for early withdrawal. Account automatically renews at maturity unless specified otherwise.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months	3.30%	$164
9 months	3.56%	$266
12 months	3.92%	$392
15 months	4.30%	$540
24 months	4.07%	$831
36 months	3.82%	$1,190
48 months	3.51%	$1,480

Sources (3)

All captured Oct 15, 2026

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.

Check membership requirements ↗Branches and institution details