Credit union · NCUA insured
Telco Credit Union CD Rates
Telco Credit Union’s best CD rate is 3.04% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Telco Credit Union’s CD rates compare
Compared with banks and credit unions near Greenville, NC, where Telco Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Telco Credit Union
3.04%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $459
Certificates of Deposits (CDs)
Top rate
Civic Federal Credit Union
4.30%APY
- Term
- 17 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $615
2nd-highest rate
State Employees' Credit Union
4.30%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $652
Telco Credit Union CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo2.99%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo2.27%
- QualifiedQualified3.04%
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 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.
Certificates of Deposits (CDs)
Up to 3.04%APY · 7 terms
Member of Telco Credit Union. Must complete CD application. No fee unless withdrawal before maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.53% | $126 |
| 12 months | 2.99% | $299 |
| 18 months | 3.04% | $459 |
| 24 months | 2.43% | $492 |
| 30 months | 2.17% | $551 |
| 48 months | 2.02% | $833 |
| 60 months | 2.27% | $1,188 |
Sources (3)
- telcu.com/rates
- telcu.com/services/checking-sa…ificates-of-deposits-cds
- telcu.com/certificates-of-deposits-cds
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 2.78%APY · 6 terms
Must be a Telco Credit Union member with earned income from compensation (unless doing an IRA rollover or direct transfer). Traditional and Roth IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.73% | $273 |
| 18 months | 2.78% | $420 |
| 24 months | 2.17% | $439 |
| 30 months | 1.92% | $487 |
| 48 months | 1.76% | $723 |
| 60 months | 2.33% | $1,221 |
Sources (3)
- telcu.com/ira-share-certificate-accounts
- telcu.com/rates
- telcu.com/services/checking-sa…are-certificate-accounts
All captured Sep 19, 2026
Who can join Telco Credit Union
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.
Membership information collected October 4, 2026.