Carolinas Telco Credit Union Charlotte NC

Introduction

At Carolinas Telco, we believe in building a strong community one member at a time. Located at 9115 Harris Corners Pkwy, Charlotte, NC 28269, our branch has been serving the financial needs of our members since 1979. With a focus on personalized service and financial education, we are proud to support over 32,000 members who trust us with their banking needs. Our commitment to you is evident in our impressive financial standing. As of now, our total assets reach an impressive $529,330,835, with total deposits amounting to $48,521,851. This solid foundation allows us to offer more than just services; it enables us to create opportunities for our members through loans and financial products that suit their unique circumstances. In fact, we currently have 18,966 loans and leases actively helping our community thrive. While you can visit us at our branch for face-to-face assistance, please note that official correspondence should be sent to our mailing address: PO Box 668467, Charlotte, NC 28266. Our dedicated team of 110 employees, led by CEO Jimmy Womack Jr. and Board President Larry Davis, is here to ensure your experience with us is nothing short of excellent. We understand the importance of having reliable financial partners in your corner. That's why we strive to make banking easy and accessible for everyone. Whether it's through convenient online services or personalized loan options, we're here to meet your needs. Ready to explore what we can do for you? Call us today at 704-391-5600, or visit our website at www.ctelco.org to learn more about how Carolinas Telco can help you achieve your financial goals!

Branch History & Mission

Advancements & Accessibility

As part of our commitment to member service, we've embraced technology to enhance your banking experience. Our digital tools include online banking and mobile payment options that make managing your finances convenient and secure. While we currently do not offer ATM services or drive-thru banking at this location, we ensure that all other aspects of your experience remain top-notch and accessible.

Join Us Today!

As we look ahead, we invite you to be a part of our journey at Carolinas Telco. Together, let's build a future where financial empowerment is within everyone's reach. Come visit us during our operating hours Monday through Friday from 8:30 AM to 5:00 PM and discover how we can help you achieve your dreams. Feel free to reach out at 704-391-5600 if you have any questions or would like more information about becoming a member. Experience the Carolinas Telco difference today!

Our Mission

At Carolinas Telco, our mission is simple yet profound: we strive to provide exceptional financial services while making a positive impact in our community. We believe that everyone deserves access to affordable banking options that empower them to achieve their financial goals. Whether it's through personal loans, savings accounts, or financial education programs, we are here to support our members every step of the way. We are committed to providing services that meet the diverse needs of our community. Our focus goes beyond just transactions; we actively seek partnerships and outreach opportunities that uplift those around us. From sponsoring local events to offering educational workshops on financial literacy, we believe in giving back and strengthening the bonds within our community.

Branch Location & Accessibility

Convenient Access and Amenities

At Carolinas Telco, we prioritize your convenience. While you can visit us at the address mentioned above, if you need to send official correspondence, please direct it to our mailing address at PO Box 668467, Charlotte, NC 28266. Our branch is designed with accessibility in mind; you'll find ADA-compliant features including ramps and ample parking to make your visit hassle-free.

Operating Hours That Fit Your Schedule

We understand that life can get busy! That's why we are open Monday through Friday from 8:30 AM to 5:00 PM. Whether you need assistance with loans, savings accounts, or general banking inquiries, our friendly staff is here to help during these hours.

Services Tailored for You

While we currently do not offer ATM services or drive-thru banking at this location, our dedicated team is ready to assist you inside the branch with a range of services tailored for your needs. If you're looking for personalized support or have specific questions about your financial journey, don't hesitate to reach out!

We’re Here for You!

Ready to take the next step? We invite you to visit us at Carolinas Telco or give us a call at 704-391-5600. Our team looks forward to helping you achieve your financial goals!

Member Eligibility

At Carolinas Telco, we believe in creating a welcoming community where everyone can thrive. Becoming a member is easy and open to anyone who lives, works, worships, or attends school in the areas we serve. We're dedicated to providing personalized financial services that help you achieve your goals. If you're ready to take the first step toward joining our family, you can learn more about eligibility criteria by visiting our website at this link. Our friendly team is here to assist you every step of the way, so don't hesitate to reach out at 704-391-5600 if you have any questions. Once you're eligible, opening an account is a breeze check out the details on how to get started right here! You'll soon discover the many benefits of being part of Carolinas Telco and how we can support your financial journey.

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer practical merchant services that streamline payment processing for your business. Imagine having a reliable partner that helps you accept payments quickly and efficiently, ensuring smooth transactions every time. Whether you're a local café or an online retailer, our services can enhance your customer experience and improve cash flow. Explore how Carolinas Telco can be your trusted ally in navigating the financial landscape of running a successful business. Contact us today at (704) 391-5600 to learn more about our offerings!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $22 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $24,054,122, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Banking Services Tailored for You

In today's fast-paced world, having access to your money anytime is crucial. At Carolinas Telco, we offer robust ATM services to ensure you can quickly withdraw cash or check your balance without hassle. Imagine being out and about in Charlotte and needing some cash for an unexpected purchase; our ATM services have you covered.

Committed Support from Our Team

Our dedicated team is always ready to assist you with any questions or concerns you might have. You can reach us at 704-391-5600 during our lobby hours from Monday to Friday, 8:30 AM to 5:00 PM. Whether you're a long-time member or new to our community, we strive to make every interaction positive and informative.

Convenient Digital Banking Options

In addition to our ATM offerings, we provide comprehensive digital banking features designed for your convenience. With options like online banking and a user-friendly mobile application, managing your finances has never been easier. You can pay bills, transfer funds between accounts, and even send money to friends using our person-to-person payment feature all from the comfort of your home or on the go.

Join Us Today!

At Carolinas Telco, we're not just about transactions; we're about relationships. We aim to be your trusted partner in achieving financial success. If you want to learn more about how our services can benefit you or if you're ready to become a member, please visit us online at ctelco.org or give us a call today. Let's take the next step in your financial journey together!

Digital & Online Banking

Key Services for Your Convenience

With our 24/7 online banking services, you can check your balance, transfer funds, and pay bills without having to visit a branch. Need to send money to a friend? Our person-to-person transfers feature allows you to do that quickly and securely. Plus, if you're looking to streamline your paperwork, you'll appreciate our support for electronic signature authorization, making it easy to complete transactions without the hassle of physical forms. For those who prefer going paperless, we provide e-statements that allow you to review your financial information conveniently from your device. This not only helps keep your accounts organized but also enhances security by reducing the risk of sensitive documents being lost or stolen.

Mobile Solutions at Your Fingertips

Stay connected with our mobile application available for download, which brings all these features right to your smartphone. You can even enjoy the convenience of mobile payments, allowing you to make purchases directly from your account without needing cash or cards. We take security seriously, so you can rest easy knowing that all transactions are protected with advanced security measures. With Carolinas Telco, managing your money is not just accessible; it's also safe and straightforward. In today's fast-paced world, we aim to provide solutions that fit seamlessly into your lifestyle. Explore everything we have to offer at https://www.ctelco.org/ and experience how simple banking can be!

Financial Strength

Growing Membership Base

Total Share Accounts: 55,551, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,024,176 highlight our ability to serve you effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Carolinas Telco is your trusted partner. Visit us at 9115 Harris Corners Pkwy Charlotte Nc 28269 or call (704) 391-5600 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $49,726,035 in share certificates, offering stable and rewarding financial growth opportunities. While we don't have money market shares available right now, we prioritize your needs above all else. Unlike traditional banks, we focus on our members rather than non-member deposits, which stand at $0.

Operational Efficiency

Our operational efficiency is reflected in our $527,636, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 109 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Better Services

With $74,964,378 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $3,194 in used auto loans and $290,052,638 in total loans and leases.

Solid Financial Foundation

With a net worth of $76,572,378, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.42% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $43,890,074 in used vehicle loans and $20,382,104 in new vehicle loans to help our members get on the road. Whether you're purchasing a brand-new model or a reliable used vehicle, our team is here to assist you every step of the way.

Credit Lines and Commercial Loans

For those who need additional financing solutions, we offer substantial credit lines totaling $143,651,100. This can be an excellent option for managing cash flow or making significant purchases without the burden of high-interest rates. For business owners looking for growth opportunities, our outstanding commercial loans amounting to $24,054,122 provide the capital needed to expand your operations and invest in your future. At Carolinas Telco located at 9115 Harris Corners Pkwy Charlotte Nc 28269, we're committed to providing transparent and competitive loan offerings that align with your financial objectives. For any inquiries or assistance regarding our loan products or eligibility criteria, feel free to call us at 704-391-5600 during our operating hours from Monday to Friday between 8:30 AM and 5:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Let us help you take the next step in achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $34,726,325, designed to make your journey toward owning a home easier and more affordable. If you're considering refinancing your existing mortgage for better terms or lower rates, our specialists can guide you through eligibility options that may suit your needs.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $15,193,631 in loans helping members manage their finances effectively, our credit cards are designed for convenience and accessibility. This option allows you to handle unexpected expenses with ease while building your credit history.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the tool's effectiveness in simplifying what can be a complex process. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures fair and transparent offers for all users. Each loan listing is verified, meaning you can trust that the information is accurate and up-to-date.

CAROLINAS TELCO FEDERAL CREDIT UNION - Charlotte, NC

Compare Loan Rates Near You

Loan rates in Charlotte, NC (28269)

Introduction

Branch History & Mission

Advancements & Accessibility

Join Us Today!

Our Mission

Branch Location & Accessibility

Convenient Access and Amenities

Operating Hours That Fit Your Schedule

Services Tailored for You

We’re Here for You!

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Matter

Tailored Loan Options

Comprehensive List Of Services

Banking Services Tailored for You

Committed Support from Our Team

Convenient Digital Banking Options

Join Us Today!

Digital & Online Banking

Key Services for Your Convenience

Mobile Solutions at Your Fingertips

Financial Strength

Growing Membership Base

Member-Centric Savings Options

Operational Efficiency

Reinvestment for Better Services

Solid Financial Foundation

Loan Offering

Auto Loans

Credit Lines and Commercial Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

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