Carolinas Telco Fedral Credit Union is located in Charlotte, N.C. It offers loans, including BankCard Payoff, education, home equity, mortgage, revolving credit, Santa helper, share secured, stock, Telcheck overdraft protection, vacation, vehicle loans, Visa Classic and Visa Gold. It offers saving products, such as certificate, Christmas club, prime share savings, share draft and special share savings. Its auto buying services network help in locating vehicles and provides help of loan officers. Its Telco Teller is an automated service that lets customer handle finances via touchtone phone. It offers free credit life insurance on qualified loan balances. Its checking accounts provide direct deposit of paychecks directly from employer to client s account.