Credit union · NCUA insured
Telco Credit Union
A $53.5M credit union headquartered in Tarboro, NC, with 6,645 members and 2 branches in North Carolina. Best rates: CDs 3.04% APY.
Telco Credit Union Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#8 of 15 in Greenville, NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Telco Credit Union
Founded in 1941 by 19 Carolina Telephone employees in Tarboro, North Carolina, Telco Credit Union is a member-owned not-for-profit financial institution serving over 8,000 members.
- Headquarters
- 1720 Barlow Rd, Tarboro, NC 27886
- NCUA charter
- 66319
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active or retired employees of Selected Employee Groups (SEGs) are eligible for membership.
Family and household
- Immediate family members—defined as wife, husband, daughter, son, mother, father, brother, sister, grandmother, grandfather, and grandchildren—of active or retired SEG employees are eligible for membership.
Cost to join
- Membership requires completing an application, making an initial share deposit of $5.00 into a Savings Account, and maintaining a $5.00 minimum balance.
Branches
2 branches in North Carolina
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North Carolina
2 branches
Greenville area · 1
- Greenville Branch631 E Arlington Blvd, Greenville, NC 27858Directions
Rocky Mount area · 1
- Tarboro Branch1720 Barlow Rd, Tarboro, NC 27886Directions
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 | 12.54% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 6.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.76% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $91 | $59 | — |
- CapitalNet worth ratio12.54%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late6.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.76%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$91Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.