Credit union · NCUA insured
Telco Community Credit Union
Top CarrotA $424.5M credit union headquartered in Candler, NC, with 34,980 members and 13 branches in North Carolina. Best rates: CDs 4.00% and savings 1.11% APY.
Telco Community Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#4 of 18 in Asheville, NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Telco Community Credit Union
Organized in 1935 to serve employees of the Southern Bell Telephone System, Telco Community Credit Union is a community-chartered credit union serving 21 North Carolina counties.
The member-owned financial cooperative is headquartered in Candler, North Carolina, and operates 12 branch locations across Western North Carolina.
- Headquarters
- 1137 Smokey Park Hwy, Candler, NC 28715-8240
- NCUA charter
- 63545
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Alexander, Avery, Buncombe, Burke, Caldwell, Catawba, Cleveland, Haywood, Henderson, Iredell, Jackson, Lincoln, Madison, McDowell, Mitchell, Polk, Rutherford, Transylvania, Watauga, Wilkes, or Yancey County, North Carolina.
Employers and groups
- Membership is open to employees of participating Select Employee Groups (SEGs).
Family and household
- All relatives of current members can become members regardless of residency.
Cost to join
- Opening an account requires a minimum $5.00 deposit into a Savings Account.
Branches
13 branches in North Carolina
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North Carolina
13 branches
Asheville area · 8
- Adminstration OfficeMain office1137 Smokey Park Hwy, Candler, NC 28715Directions
- Airport Rd198 Airport Rd, Arden, NC 28704Directions
- Biltmore2 Vanderbilt Park Dr, Asheville, NC 28803Directions
- Leicester Branch710 New Leicester Hwy, Asheville, NC 28806Directions
- Tunnel Rd Office36 Tunnel Rd, Asheville, NC 28805Directions
- Candler Office1141 Smokey Park Hwy, Candler, NC 28715Directions
- Hendensonville Office1452 7th Ave E, Hendersonville, NC 28792Directions
- Weaverville Office34 Northcrest Dr, Weaverville, NC 28787Directions
Hickory area · 3
- Hickory Office355 US Highway 70 SW, Hickory, NC 28602Directions
- Lenoir Branch141 Wilkesboro Blvd NE, Lenoir, NC 28645Directions
- Morganton Office127 W Parker Rd, Morganton, NC 28655Directions
Brevard area · 1
- Brevard Branch281 Asheville Hwy, Brevard, NC 28712Directions
Waynesville area · 1
- Waynesville370 N Main St, Waynesville, NC 28786Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.43% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.23% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.41% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $61 | $76 | — |
- CapitalNet worth ratio12.43%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.23%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.41%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$61Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Telco Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.