Chartered · Member-owned since 1962

Banking built by the members who use it.

Member-owned, no hidden fees — just a not-for-profit cooperative returning value to the people who bank here. Join a credit union that actually works for Carolina families.

Become a Member See Current Rates

Rates, plainly stated

Fewer surprises. Better numbers.

Auto Loan

4.99^%

Starting APR · new or used · up to 72 months

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Credit Card

8.90^%

APR · no annual fee · cash back

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12-Month CD

3.50^%

APY · federally insured savings

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Membership

Become part of the Carolina Cooperative family.

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What members use most

Everyday banking, made simple.

Mobile Banking

Check balances, deposit checks, pay bills, and move money — all from your phone, anywhere you are.

Get the app

Auto Loans

The same low rate for new or used vehicles. Apply online and get a decision in minutes, not days.

Apply for auto financing

Home Loans

Purchasing or refinancing, 30-year fixed rates and a local team that actually picks up the phone.

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