Charlotte Fire Department Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.cfdcu.org

704-375-3950

2121 Commonwealth Ave
Charlotte, NC 28205

Charlotte Fire Department Credit Union is headquartered in Charlotte and is the 35^th largest credit union in the state of North Carolina. It is also the 2,383^rd largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 10 employees and 3,012 members at 1 location. Charlotte Fire Department Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Charlotte Fire Department CU is open to employees of the Charlotte Fire Department and their families, as well as volunteer firefighters and their families from the surrounding counties.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Charlotte Fire Department Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	63566
Year Chartered	1955
Employees	10
Primary Regulator

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	4.29%
Annual Interest Income	$592K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$53.5MM$52MM
Loans	Q1 2025vs Q1 2024	$21MM$21.9MM
Deposits	Q1 2025vs Q1 2024	$46.3MM$45.5MM
Equity Capital	Q1 2025vs Q1 2024	$6.9MM$6.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$106K$99K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$202K$24K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Charlotte Fire Department Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$0	-	Shares

Charlotte Fire Department Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$0	-	Share Draft

Charlotte Fire Department Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$2.5k	-	12 Month Share Certificate
3.25%	$2.5k	-	24 Month Share Certificate
2.25%	$2.5k	-	6 Month Share Certificate

Charlotte Fire Department Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$2.5k	-	12 Month IRA Share Certificate
3.25%	$2.5k	-	24 Month IRA Share Certificate
2.25%	$2.5k	-	6 Month IRA Share Certificate
1.60%	$0	-	IRA Savings

Locations

Charlotte Fire Department Credit Union Locations
Branch Office	2121 Commonwealth Ave	Charlotte, NC 28205-5100

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