Featured Savings Rates
Featured Accounts

Charlotte Metro Credit Union

Popular Accounts at this Credit Union

1.55%5-year CD5 Year Share Certificate
0.50%1-year CD1 Year Share Certificate
0.15%SavingsUltimate Savings Account

Overview / Commentary
718 Central Ave
Charlotte, NC 28204

Charlotte Metro Credit Union is headquartered in Charlotte and is the 10th largest credit union in the state of North Carolina. It is also the 624th largest credit union in the nation. It was established in 1962 and as of June of 2016, it had grown to 122 employees and 48,934 members at 9 locations. Charlotte Metro Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Cabarrus, Gaston, Iredell, Lincoln, Mecklenburg, Rowan, or Union Counties in North Carolina or York, Lancaster, or Chester Counties in South Carolina.
See current membership details

Reviews (2)

Credit union

Posted by: Dhivya | Oct 18, 2014

I like the customer service provided. Fees applied are quietly reasonable. Overall I love credit union. Customers are given importance.

New to Area

Posted by: Ryan14 | Oct 6, 2014

I had just move to the area and was looking for a local credit union when I came across Charlotte Metro Credit Union. As I Walk into the branch I notice that it had the relaxed and small town feel I was used to. As I waited in line to see a customer service agent I looked over the product information that they offer at CMCU and was impressed with all of the things they offered. Once I met with my agent I felt like a part of the family as soon as I sat at her desk. The products they offer were similar to all of the other big banks in the area but you felt like you have more of a personal touch with CMCU.


Health Grade Components

NCUA #24808
Year Chartered1962
Primary Regulator
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD6.77%
Annual Interest Income$6.3MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$383.7MM$342.1MM
LoansQ2 2016vs Q2 2015$296.1MM$247.0MM
DepositsQ2 2016vs Q2 2015$308.5MM$286.4MM
Equity CapitalQ2 2016vs Q2 2015$40.3MM$36.6MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.6MM$1.5MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$642.00K$520.00K
Real Estate OwnedQ2 2016vs Q2 2015$66.00K$56.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Charlotte Metro Credit Union Savings Account Rates

0.25%--IRA Account
0.15%*$10k*-Share Account
OTHER TIERS: 0.09% $25 - $1k | 0.10% $1k - $10k
0.15%--Ultimate Savings Account
0.05%--Christmas Club Account

Charlotte Metro Credit Union Money Market Rates

0.40%*$75k*-Money Market Account
OTHER TIERS: 0.20% $2k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $75k

Charlotte Metro Credit Union Checking Account Rates

0.30%*$250k*-Business Premier Checking Account
OTHER TIERS: 0.01% Up to $10k | 0.05% $10k - $25k | 0.07% $25k - $50k | 0.10% $50k - $75k | 0.15% $75k - $100k | 0.20% $100k - $150k | 0.25% $150k - $250k
0.10%$300-Premier Checking Account
0.01%--Business Basic Checking Account

Charlotte Metro Credit Union CD Rates

1.55%$50k-5 Year Jumbo CD
1.55%$2k-5 Year Share Certificate
1.50%$50k-4 Year Jumbo CD
1.50%$2k-4 Year Share Certificate
1.45%$50k-3 Year Jumbo Share Certificate
1.35%$2k-3 Year Share Certificate
1.10%$50k-2 Year Jumbo Share Certificate
1.00%$100k-18 Month Senior Jumbo Share Certificate
0.85%$2k-2 Year Share Certificate
0.80%$50k-18 Month Jumbo Share Certificate
0.80%$5k-18 Month Senior Share Certificate
0.70%$50k-1 Year Jumbo Share Certificate
0.65%$2k-18 Month Share Certificate
0.50%$2k-1 Year Share Certificate
0.45%$50k-6 Month Jumbo Share Certificate
0.40%$2k-6 Month Share Certificate

Charlotte Metro Credit Union IRA Rates

0.90%$2k-3 Year IRA Share Certificate
0.75%$2k-2 Year IRA Share Certificate
0.40%$2k-1 Year IRA Share Certificate
0.20%$2k-6 Month IRA Share Certificate

Charlotte Metro Credit Union Locations
Branch Office11110 E independence BlvdMatthews, NC 28105
Branch Office2732 Ashley RdCharlotte, NC 28208
Branch Office11228 Ardrey Kell RdCharlotte, NC 28277
Branch Office8845 Craver Rd Ste 126Charlotte, NC 28223
Branch Office4525 Sunset RdCharlotte, NC 28216-2355
Branch Office16649 Statesville RdHuntersville, NC 28078
Branch Office718 Central AveCharlotte, NC 28204
Branch Office1835 W W T Harris BlvdCharlotte, NC 28262
Branch Office5301 Wilkinson BlvdCharlotte, NC 28208