Credit union · NCUA insured
Carolinas Telco Federal Credit Union Credit Card Rates
Top CarrotCarolinas Telco Federal Credit Union credit cards start at 13.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Carolinas Telco Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Carolinas Telco Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Carolinas Telco Federal Credit Union
13.50%APR
Visa Platinum Low Rate Credit Card
Lowest rate
Carolina Cooperative FCU
8.90%APR
2nd-lowest rate
Lion's Share Federal Credit Union
8.90%APR
Carolinas Telco Federal Credit Union credit card score
65
Credit card score
Higher than 14% of U.S. banks and credit unions
- Purchase APRPurchase APR13.50%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
2% Cash Back Visa Platinum Credit Card
Must be a current member of Carolinas Telco Federal Credit Union (CTFCU) to be eligible. All credit cards are subject to approval. Rates range up to 18.00% based on individual creditworthiness criteria.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.50% | None | APR as low as 14.50%, varying based on creditworthiness up to 18.00%. No annual fee. Terms may vary. |
| Intro, 9 months | 0.00% | None | Introductory balance transfer offer: 0% APR for 9 months. Balance transfer fee waived for new cardholders in first 60 days, otherwise $10 or 3% (whichever is greater). Introductory APR may end if 60 days late in making a payment. |
Visa Platinum Low Rate Credit Card
Must be a current member of Carolinas Telco Federal Credit Union (CTFCU) to be eligible. All credit cards are subject to approval. Rates range up to 18.00% based on individual creditworthiness criteria.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50% | None | APR as low as 13.50%, varying based on creditworthiness up to 18.00%. No annual fee. Terms may vary. |
| Intro, 9 months | 0.00% | None | Introductory balance transfer offer: 0% APR for 9 months. Balance transfer fee waived for new cardholders in first 60 days, otherwise $10 or 3% (whichever is greater). Introductory APR may end if 60 days late in making a payment. |
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.