Home state: North Carolina
    Open membership
    Lends in 2 states

    CAROLINAS TELCO mortgage rates

    CAROLINAS TELCO's lowest publicly advertised 30-year fixed rate today is 6.679% APR — the national average is 7.147%. That's about $45,099 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read CAROLINAS TELCO's rates every weekday, starting around 11 a.m. Central.

    We last read CAROLINAS TELCO's rates page on Nov 2, 2026. CAROLINAS TELCO dates its published rate sheet Nov 2, 2026.

    Today's rates from CAROLINAS TELCO

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.679%6.679%—Nov 2, 2026Visit
    15 Year Fixed6.179%6.179%—Nov 2, 2026Visit
    10 Year Fixed5.929%5.929%—Nov 2, 2026Visit
    5 Year ARM6.45%6.45%—Nov 2, 2026Visit

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join CAROLINAS TELCO

    Carolinas Telco Federal Credit Union offers nationwide membership to anyone who joins the North Carolina Consumers Council. Membership is also available to those who live, work, or worship in select zip codes across North and South Carolina, employees of numerous partner companies, and friends or family of current members.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    Bandwidth, Marsh Properties, SEGRA, IQOR, Teleperformance, Graybar, Enterprise Car Sales
    Association / SEG
    NC Consumers Council, CWA Local 3603, CWA Local 3611, CWA Local 3683, CWA Local 3710, First in Families of North Carolina, IBEW Local 379, No Grease Barber School, Temple Chapel Baptist Church, SC Telecommunications and Broadband Association
    City
    Select Zip Codes in Mecklenburg County, NC, Select Zip Codes in Wake County, NC, Select Zip Codes in Gaston County, NC, Select Zip Codes in Richland County, SC

    Where CAROLINAS TELCO writes mortgages

    CAROLINAS TELCO publishes mortgage lending in 2 states.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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