The Carolinas Telco Federal Credit Union is a personal credit card from Carolinas Telco Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is As low as 13.50% APR; rates up to 18.00% depending on creditworthiness after a 0% APR intro on balance transfers introductory rate for 9 months. Rewards: No rewards listed for Low Rate card; 2% Cash Back is the Visa® Platinum Credit Card (APR as low as 14.50%). Cash back: 2% Cash Back. This product reports activity to your personal credit report.