Credit union · NCUA insured
Telco Community Credit Union CD Rates
Top CarrotTelco Community Credit Union’s best CD rate is 4.00% APY on a 15-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Telco Community Credit Union’s CD rates compare
Compared with banks and credit unions near Asheville, NC, where Telco Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Telco Community Credit Union
3.85%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $583
Certificate of Deposit
Top rate
Skyla Credit Union
4.50%APY
- Term
- 21 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $801
2nd-highest rate
Civic Federal Credit Union
4.30%APY
- Term
- 17 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $615
Telco Community Credit Union CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.85%
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.
Where Telco Community 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.
Certificate of Deposit
Up to 4.00%APY · 7 terms
Early withdrawal penalty applies: 90 days dividends for terms under 1 year; 180 days dividends for terms of 1 year or greater. Deposits federally insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 11 monthsCertain restrictions may apply | 3.65% | $334 |
| 12 months | 3.75% | $375 |
| 15 monthsJumbo certificate; certain restrictions may apply | 4.00% | $502 |
| 18 months | 3.85% | $583 |
| 24 months | 3.35% | $681 |
| 36 months | 3.45% | $1,071 |
Sources (2)
All captured Oct 4, 2026
Save to Win CD
3.75%APY · 1 term
Every $25 deposit enters member into monthly and quarterly prize drawings. Early withdrawal penalty applies for terms of 1 year or greater (180 days dividends).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.75% | $375 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 7 terms
Available for Traditional, Roth, and SEP IRAs. Compounded and paid monthly. Early withdrawal penalty applies: 90 days dividends for terms under 1 year; 180 days dividends for terms of 1 year or greater.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 11 monthsCertain restrictions may apply | 3.65% | $334 |
| 12 months | 3.75% | $375 |
| 15 monthsJumbo certificate; certain restrictions may apply | 4.00% | $502 |
| 18 months | 3.85% | $583 |
| 24 months | 3.35% | $681 |
| 36 months | 3.45% | $1,071 |
Sources (2)
All captured Oct 4, 2026
College Saver Certificate
Up to 3.75%APY · 3 terms
Early withdrawal penalty applies: 180 days dividends for stated terms of one year or greater.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.75% | $375 |
| 24 months | 3.35% | $681 |
| 36 months | 3.45% | $1,071 |
Sources (1)
- telcoccu.org/rates/savings-rates · captured Oct 4, 2026
Who can join Telco Community Credit Union
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.
Membership information collected October 4, 2026.