Enhance your quality of life

CAROLINA FEDERAL CREDIT UNION offers all types of loans to help you enhance your quality of life. As soon as you start planning a purchase, ask us about all of our loan options, including interest rates, terms (payment periods), and fees. Our lending specialists are experts in comparing loan options and letting you select the best loan for your needs! pre-approval, members can get better automobile financing by coming to CFCU first. If your auto is already financed elsewhere, you may still take advantage of our great low rates by refinancing with CFCU. Many times, we can reduce your current interest rate and lower your monthly payment.

At CFCU, our objective is to offer members better terms and greater flexibility than other financial institutions. The loan process is quick and easy and with pre-approval, members can get great rates and be in charge of their financing by coming to CFCU first. .

Enjoy the convenience of applying for loans by phone, fax, on-line or in person. With Payroll Deduction, Automatic Draft or Direct Deposit, members have the added convenience of having loan payments made automatically. Its that easy! When a loan application is received and all necessary information is obtained, such as current debts and credit history, a decision is made right away! Approval of an application is dependent upon criteria such as ability to pay, credit history, collateral and purpose.

To apply, go directly to Online Applications. If you have questions, please contact CFCU. We’ll be glad to walk you through the process to help make your experience with us simple and efficient!

To obtain the pricing of a vehicle try the following link: Vehicle pricing.



What are you planning in the near future? Do your goals include a dream vacation…consolidating some bills….or a home improvement project? Whatever is next in your life, a signature loan at Carolina Federal Credit Union can be your solution!

A signature loan is simply a personal loan. We offer this flexible, open-end loan at a great low rate and, if you qualify, you can get up to $10,000.00! Considering Carolina Federal’s $10,000 Loan Protection insurance at no direct cost, and Credit Disability insurance options, your mind will be at ease.

You must be a member of Carolina Federal Credit Union to apply. Contact our loan department now to find out if you qualify. Or, if you are already set up on our Loanliner program, simply apply online! If you have questions or need further information, please call or e-mail us. We’d love to hear from you!


Carolina Federal Credit Union strives to help make your car ownership more affordable and we’ll help making your next vehicle purchase easy! Whether your are looking for a new set of wheels or if you love your current car, but hate the high monthly payments – with our low, competitive rates and unique payment schedule, we can help you save money and stay within your budget! Apply On-line today!

On new vehicles, we loan up to 100% of MSRP (plus extended warranties). On used vehicles we loan up to retail value according to NADA pricing (plus options and extended warranties) or the purchase price, whichever is less. Don’t forget to go to Enterprise Used Car Sales for pricing on great used vehicles.

With pre-approval available, we can make your next vehicle purchase a breeze! Take the first step in helping yourself to find a better deal on your next vehicle purchase by taking advantage of the information and resources please visit CUDL AutoSMART to make your next auto buying experience easier!

Need a “Second Chance”? New cars or trucks, which have been purchased and financed with another lender within 90 days, can be refinanced with Carolina Federal Credit Union at our new car interest rate! Our new “Second Chance Auto Loan” could save you hundreds of dollars, plus we will pay you $100.00 to move your loan to Carolina Federal Credit Union!

You must be a member of Carolina Federal Credit Union to apply. Contact a loan officer to find out if you qualify….or, if you’re already set up on our Loanliner program, simply apply on line! Please call (800) 378-1955 or e-mail us if you have any questions or need more information. We’d love to hear from you!



Ready to set sail with a new boat? Or would a new camper be more your style? For those of you who include a little adventure in your life, check out Carolina Federal Credit Union’s Recreational Loans! Low rates, pre-approval,  and optional credit disability and credit life insurance make financing with your Credit Union a plus!

  • For new boats, campers, etc. we can loan up to 85% of sticker price, and NADA wholesale value on used collateral.
  • For motorcycle loans, we can loan up to 85% of sticker price, and of NADA wholesale value on used.
  • Financing on some farm equipment is also available.

You must be a member of Carolina Federal Credit Union to apply. Contact our loan department to find out if you qualify. Or, if you’re already set up on our Loanliner program, simply apply online! If you have questions or need further information, please call or e-mail us. We’d love to hear from you!

Share Secured


Looking for the most efficient means of borrowing money? You should consider a Carolina Federal Credit Union Share Secured Loan. Using your own money as collateral, you get the lowest rate available and still earn dividends on your savings. The share secured loan allows you to maintain those valuable savings for tomorrow, while giving you money for things you need today!

You must be a member of Carolina Federal Credit Union to apply. Contact our loan department to find out if you qualify. Or, if you’re already set up on our Loanliner program, simply apply online! If you have questions or need further information, please call or e-mail us. We’d love to hear from you!


View or Visa Application

EARN POINTS ON PURCHASES AND TRANSFERS: With your Visa card you are automatically enrolled in our Scorecard program where you earn points towards air fare, hotels, and other great incentives.
Check out SCORECARD today! Earn 1 point for every dollar you spend.

Using your Carolina Federal Credit Union Visa Card is a smart way to help yourself! We guarantee no “teaser” rates or tricky gimmicks to “hook” you. So, you’ll find no surprises–just lower rates and fees, as well as the convenience and confidence of a reliable credit card. CFCU has designed the credit card to complement and protect your best interest. Best of all, you can put your mind at ease and enjoy stability with our Visa Card.

Important Benefits: If you are a member of Carolina Federal Credit Union and would like to apply for a new Visa Credit Card, please call or e-mail our Member Services Representative. We will be glad to mail your Visa application today! (Due to additional disclosure requirements, an on-line application cannot be accepted.) We’d love to help you save time and money!

To access your account anytime, visit

For a lost or stolen credit card please contact Carolina Federal Credit Union at (800)-378-1955 or contact Visa at (800)-336-8472.

Benefits of CFCU Visa Card:

  • No Annual Fee
  • Steady, Competitive Low Rate
  • 1% Cash Back!
  • For Purchases and Cash Advances
  • Use Anywhere You Find the Visa Symbol
  • 25 Day Grace Period for Purchases
  • Same Interest Rate on Cash Advances
  • Same Interest Rate on Balance Transfers
  • Additional Card Available for Authorized Users
  • Seasonal Promotions
  • 24 Hour Access to Your Account Information

For customer service on credit cards including balance information and other options please call (800)-808-7230.
*Rates are based on credit history and other information so interest rate could differ.

USE eZCardInfo and You’re In Control

Don’t let unruly stacks of credit card statements lead to undisciplined fiscal habits. Late or missed payments reflect poorly on your credit rating and can put your financial future in jeopardy! But with eZCardInfo, you can push aside your paper statements and gain a clearer view of your credit card information.

Simply log on to and enroll so you can manage your account 24/7, just like your CFCU on-line account access, plus you’ll have the ability to:

  • View your account balance(s)Check available credit
  • View past and current statements
  • Download data to financial software
  • View transactions since your last statement
  • Search and view up to 18 months of transaction history
  • Pay your bill on-line
  • View transaction and spending reports

Home Equity


Your home is a safe place. You’ve spent years investing and building equity. Now is the time to borrow money the smart way. A Home Equity Loan from Carolina Federal Credit Union is an affordable, safe way to maximize your spending options without depleting your savings, or relying on outrageous rates of bank and department store credit cards.

By using your CFCU Home Equity Loan, you’ll have access to a credit union loan whenever you need it, for whatever you need. Home improvements, education, vacations…your spending options are endless!

Facts about CFCU Home Equity Loans:

  • Great Rates
  • Possible Tax Advantages (*Consult your tax advisor first.)
  • No Origination Fees
  • No Penalty for Early Payoff or Extra Payments
  • Potential Line-of-Credit Amount Up To 100% of Tax Value or Recent Appraisal
  • Maximum Loan Amount Not To Exceed $150,000
  • Minimum Equity/Loan Amount of $10,000
  • Stick-Built Homes Only
  • Must be Primary Residence
  • Draw Period is 10 Years
  • Payoff Deadline is 15 Years

Home Equity Early Disclosure (PDF – new window/tab)

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The list above is incomplete. If you wish to receive more information, including a complete description of early disclosures, please email our Loan Department or call (800) 378-1955. (Due to disclosure requirements, an on-line application cannot be accepted.) We will be glad to mail the required information along with your application today! At Carolina Federal Credit Union, members’ needs come first. We will work with you to make sure you’re getting the right loan for your needs, at a price that fits your budget!


Home is where the… Office is. School is. Comfort is. Today, Home is everything. We’ll help you finance your everything. 

Your House. Your Everything. Your Loan. We know mortgages – like homes – are not one-size-fits-all. That’s why we offer a variety of loan programs along with personalized services to find a loan that best fits your needs. We’re always making sure to keep you at the center of the process. Contact us today for more information about our mortgage loans.

New to the Process? Check out our Home Buyer’s Guide! Helpful information to simplify the mortgage process and help you achieve your personal and financial goals.

Home Buyer’s Guide also available in Spanish.