Carolinas Telco Credit Union Gastonia NC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Carolinas Telco, your trusted financial partner located at 324 Burtonwood Dr, Gastonia, NC 28054. Since opening our doors in 1979, we've been dedicated to serving our community with reliable banking solutions tailored to meet the needs of our 32,133 members. With a strong commitment to member service, we have grown our total assets to an impressive $529,330,835, ensuring that your financial health is our top priority. At Carolinas Telco, we understand that each member's journey is unique. That's why we offer a variety of services including personal banking, auto loans, mortgage financing, and business loans designed for every step of your financial path. Our members benefit from $48,521,851 in total deposits and a robust loan portfolio exceeding 18,966 loans and leases. Our leadership team is here to guide you. Under the stewardship of CEO Jimmy Womack Jr. and Board President Larry Davis, we strive to create a welcoming environment where everyone feels valued. We take pride in our dedicated staff of 110 employees, who are always ready to assist you with any financial inquiries or needs. While you can visit us at our branch for all your banking needs, please remember that official correspondence should be sent to the same address: 324 Burtonwood Dr, Gastonia, NC 28054. If you're looking for a credit union that prioritizes community impact and personal connections over profits, look no further than Carolinas Telco. We invite you to explore how we can help you achieve your financial goals. For more information or to get started today, give us a call at 704-391-5600 or visit us online at ctelco.org. Let us show you how banking can be both effective and enjoyable!

Branch History & Mission

The story of Carolinas Telco in Gastonia, NC is one of community and commitment. Since our doors opened in 1979, we have grown from a small local financial institution into a trusted partner for over 32,000 members. Nestled at 324 Burtonwood Dr, our branch has become a cornerstone of the Gastonia area, providing financial services that empower individuals and families to achieve their dreams. As we evolved, our mission has remained clear: to provide accessible financial solutions while fostering a sense of belonging within the community. We believe that everyone deserves the opportunity to thrive financially. Our commitment is not just to offer loans and accounts; it's about building relationships and supporting our members every step of the way. Over the years, we've witnessed significant milestones that define who we are today. From introducing modern banking technologies like online and mobile banking to ensuring ADA compliance for all members, we continually strive to enhance your banking experience. We also understand the importance of being available when you need us; that's why we offer both ATM services and a convenient drive-thru for quick transactions. While members can visit us at 324 Burtonwood Dr, official correspondence should be sent to the same address, ensuring seamless communication. Our headquarters is located in Charlotte, NC, where we collaborate with dedicated teams focused on driving growth and innovation. Our mission goes beyond just numbers currently boasting total assets of over $529 million, we take pride in being financially sound while actively engaging in community outreach efforts. We partner with local organizations to support various initiatives, from educational programs to charitable events, reinforcing our belief that together we can make a difference. With operating hours designed for your convenience Monday, Thursday, and Friday from 9:00 am to 5:30 pm, and Tuesday and Wednesday until 5:00 pm we are here when you need us. Our dedicated staff is always ready to assist you with personal banking needs such as checking accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking services. If you're looking for a financial institution that truly cares about its members and community, consider joining us at Carolinas Telco. Experience the benefits of personalized service and community involvement firsthand. Together, let's build a brighter financial future! For more information or inquiries, feel free to call us at 704-391-5600 or visit our website at ctelco.org.

Branch Location & Accessibility

Call to Action

Ready to experience personalized service? We invite you to come by or give us a call at (704) 391-5600. Your financial journey starts here at Carolinas Telco in Gastonia!

Nearby Landmarks and Accessibility

Situated near the bustling heart of Gastonia, our branch is just a short drive from popular spots like the Gaston County Museum and Rankin Lake Park. We've ensured that accessibility is a priority; our branch features ADA-compliant ramps and ample parking, making it easy for everyone to visit.

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours: stop by between 9:00 am and 5:30 pm on Monday, Thursday, and Friday, or visit us from 9:00 am to 5:00 pm on Tuesday and Wednesday. Our dedicated staff is ready to assist you during these hours.

Services Offered

At Carolinas Telco, we provide a wide array of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, enjoy the convenience of drive-thru banking for quick transactions without leaving your car. Don't forget about our ATM availability for those times when you need cash on the go! While members can visit us at 324 Burtonwood Dr Gastonia Nc 28054, official correspondence should be sent to 324 Burtonwood Dr, Gastonia, NC 28054 if it's different from our branch location.

Member Eligibility

At Carolinas Telco, we believe that becoming a member is like joining a family that genuinely cares about your financial well-being. If you're looking to be part of our supportive community, the process is straightforward and welcoming. Anyone who lives, works, worships, or attends school in the Gastonia area is eligible to join us. We're here to provide you with personalized service and financial products tailored to meet your needs. Not only will you gain access to a variety of banking services, but you'll also enjoy competitive rates on loans and savings, all while being part of a cooperative that puts you first. To get started on your membership journey, simply visit us at our branch located at 324 Burtonwood Dr Gastonia Nc 28054 or give us a call at (704) 391-5600 for more information. You can also check out the detailed eligibility criteria on our website. We can't wait to welcome you into the Carolinas Telco family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, our merchant services can transform the way you handle transactions. Whether you're a retail store looking to streamline payments or a service provider wanting to accept credit cards easily, we offer solutions that fit your needs. Picture a local coffee shop using our point-of-sale systems to manage orders more efficiently while giving customers the convenience of easy payment options. Located at 324 Burtonwood Dr Gastonia Nc 28054, in Gastonia, NC, our team is ready to assist you in navigating your business journey. Reach out at (704) 391-5600 or visit us online at http://www.ctelco.org to learn more about how we can help your business succeed!

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

Additional Services

We also provide basic banking through our Drive-Thru Banking, making it simple to conduct deposits and withdrawals without leaving your car. For quick transactions on-the-go, our ATMs are equipped for easy cash withdrawals and balance checks. With all these services available right here in Gastonia, it's clear how committed we are to meeting the financial needs of our members. Our friendly team is ready to assist you during operating hours: Monday, Thursday, and Friday from 9:00 AM - 5:30 PM; Tuesday and Wednesday from 9:00 AM - 5:00 PM. If you're ready to take control of your financial future or have any questions about our offerings, please give us a call at 704-391-5600 or visit us online at Carolinas Telco. We look forward to helping you achieve your dreams!

Business Banking Services

If you're a business owner, we have robust solutions just for you. Our Business Banking services include essential tools like Merchant Services and Business Loans, ensuring that your company has the resources it needs to thrive.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why at Carolinas Telco, we prioritize digital banking features. With our Online & Mobile Banking, accessing your accounts is easier than ever whether it's checking balances, transferring funds, or paying bills from anywhere. Plus, our ATM & Cash Withdrawal Services ensure you can access your money when you need it most.

Credit Cards and Rewards

Don't forget about our competitive Credit Cards with Rewards, which let you earn points on your everyday purchases. This can turn your spending into savings for future adventures or necessities.

Personal Banking Solutions

Our personal banking services include Checking and Savings Accounts tailored to fit your lifestyle. Whether you need an account for everyday expenses or a high-yield savings option for future plans, we've got you covered. If you're thinking about purchasing a vehicle, our Auto Loans and Vehicle Financing options make it easy to hit the road in style without breaking the bank. For those considering home ownership or refinancing their current mortgage, we offer Mortgage Loans and Refinancing solutions that can help ease the burden of home financing. We also provide Personal Loans and Debt Consolidation services that can assist in managing your debts more effectively.

Digital & Online Banking

Key Features

With our electronic signature authorization feature, signing important documents is quick and secure. No more printing or mailing forms just a few clicks and you're done! Plus, our e-statements are available to keep your financial records organized and environmentally friendly. For those who prefer mobile banking, our mobile application is fully equipped with features like mobile payments and person-to-person transfers. Want to split a dinner bill with friends? Just send them money directly through our app it's that easy!

Security You Can Trust

We prioritize your security with robust measures in place for all digital transactions. Our online banking services are designed not only for convenience but also to protect your sensitive information. You can bank confidently knowing that we take every precaution to keep your data safe. In summary, Carolinas Telco makes it simple for you to manage your finances anytime, anywhere. Explore all these features today by visiting us at https://www.ctelco.org/ and experience the future of banking right at your fingertips!

Financial Strength

Focused on You

Unlike traditional banks, we prioritize our members' needs. With non-member deposits at $0, we ensure that our resources are dedicated to benefiting you through better loan rates and exclusive perks.

Growing Together

With net shares available for lending and investments at $1,024,176, we focus on empowering our members' financial journeys. Additionally, the total number of share accounts stands at 55,551, reflecting a strong community trust in us. 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 324 Burtonwood Dr Gastonia Nc 28054 or call (704) 391-5600 to learn more about how we can help you achieve your financial goals.

Investments in Growth

Our commitment to improvement is reflected in our $74,964,378 in undivided earnings. This amount allows us to reinvest in innovative banking tools and stronger lending options to serve you better. We also support your financial goals with $3,194 in used auto loans and a total of $290,052,638 in loans and leases.

Member-Centric Savings

Members' savings are secured through $49,726,035 in share certificates, which provide stable and rewarding growth opportunities. Although we currently have no money market shares, we focus on maximizing your benefits with our available resources.

Operational Efficiency

Our $527,636 indicates our operational efficiency, enabling us to offer competitive loan rates and solid products for our members. We take pride in having 109 full-time employees and 1 part-time employees who are always ready to assist you with their knowledge and dedication.

Strong Financial Foundation

With a net worth of $76,572,378, we demonstrate robust financial strength, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.42% illustrates a solid capital base, assuring you that we can continue providing loans and competitive savings rates even during 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, with over $43,890,074 in used vehicle loans and $20,382,104 in new vehicle loans already helping members get on the road. Whether you're looking for financing on a new or used vehicle, we have options that can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $24,054,122 provide the capital needed to grow and expand. We understand the unique challenges small businesses face and are dedicated to helping them thrive.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $34,726,325, make buying or refinancing simple. We provide straightforward terms that can help make your dream of owning a home more achievable.

Refinancing Options

If you're considering refinancing any of your existing loans or exploring eligibility options for our various products, our team is here to guide you through the process. We believe that financial education is essential for making informed decisions. Our commitment is backed by performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're interested in auto financing, mortgages, unsecured credit cards, or business loans, Carolinas Telco has solutions to fit your needs. Visit us today and let's work together towards your financial success!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $15,193,631 in loans helping members manage their finances effectively. These cards are designed to give you the freedom and flexibility you need while keeping your spending in check.

Loan Aggregator

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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 means that the offers you see are fair and transparent, reflecting actual rates available in the market.

CAROLINAS TELCO FEDERAL CREDIT UNION - Gastonia, NC

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