Charlotte Metro Credit Union is headquartered in Charlotte and is the 9th largest credit union in the state of North Carolina. It is also the 536th largest credit union in the nation. It was established in 1962 and as of December of 2018, it had grown to 143 employees and 57,665 members at 10 locations. Charlotte Metro Credit Union's money market rates are 3X the national average, and it has an A health rating.
Field of Membership Restrictions
Charlotte Metro Credit Union is open to those who reside, work, worship, or attend school in Gaston, Cabarrus, Iredell, Mecklenburg, Lincoln, Union, or Rowan counties in North Carolina, and York, Chester, or Lancaster counties in South Carolina.
See current membership details
Credit union
I like the customer service provided. Fees applied are quietly reasonable. Overall I love credit union. Customers are given importance.
New to Area
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.
The Worst Experience Ever.
This was the absolute worst experience I've ever had with a bank. I had very high hopes with my account and they turned out to be worse than the other big bank in Charlotte.
I open the account and was unaware that they were doing a hard pull on my credit. Wouldn't have been a big deal if I had known that was happening, but I didn't know until after I checked my report.
They restrict access to the ATM for 90 days, so you can't deposit cash or checks into them and you are forced to go into the bank. Extremely inconvenient. And on top of that the guys who works as a teller even said he doesn't trust the atms and that I should drop my money into they're Dropbox safe.
I also explained to them a transaction, that I did not do, ran through my account and after many phone calls, and time wasted with the branch manager they would not return the fee that was accrued. Tried to dispute it and they wouldn't do it.
Very disappointed with this bank. I really had high hopes for Charlotte metro but it's been joke since day one.
If you're looking for convenience this is not the bank you want to work with.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 24808 |
| Year Chartered | 1962 |
| Employees | 143 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.41% |
| Return on Equity - YTD | 13.08% |
| Annual Interest Income | $18.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $516.3MM$468.5MM |
| Loans | Q4 2018vs Q4 2017 | $386.4MM$356.9MM |
| Deposits | Q4 2018vs Q4 2017 | $407.0MM$363.5MM |
| Equity Capital | Q4 2018vs Q4 2017 | $55.2MM$48.0MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $3.0MM$2.7MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $2.7MM$2.2MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$728.00K |
Always verify rates and promotions with the bank or credit union. We are not Charlotte Metro Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* 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
Charlotte Metro Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.35%* | $100k* | - | Money Market Account | ||
| OTHER TIERS: 0.65% → $2k - $10k | 0.75% → $10k - $25k | 0.85% → $25k - $50k | 1.00% → $50k - $75k | 1.15% → $75k - $100k | |||||
Charlotte Metro Credit Union Checking Account Rates
Charlotte Metro Credit Union CD Rates
Charlotte Metro Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.55% | $2k | - | 3 Year IRA Share Certificate | |
| 2.15% | $2k | - | 2 Year IRA Share Certificate | |
| 1.65% | $2k | - | 1 Year IRA Share Certificate | |
| 1.25% | $2k | - | 6 Month IRA Share Certificate |
| Belmont Branches | ||
|---|---|---|
| Branch Office | 6425 W Wilkinson Blvd | Belmont, NC 28012 |
| Charlotte Branches | ||
|---|---|---|
| Branch Office | 2732 Ashley Rd | Charlotte, NC 28208 |
| Branch Office | 11228 Ardrey Kell Rd | Charlotte, NC 28277 |
| Branch Office | 8845 Craver Rd Ste 126 | Charlotte, NC 28223 |
| Branch Office | 4525 Sunset Rd | Charlotte, NC 28216-2355 |
| Branch Office | 718 Central Ave | Charlotte, NC 28204 |
| Branch Office | 1835 W W T Harris Blvd | Charlotte, NC 28262 |
| Branch Office | 5301 Wilkinson Blvd | Charlotte, NC 28208 |
| Huntersville Branches | ||
|---|---|---|
| Branch Office | 16649 Statesville Rd | Huntersville, NC 28078 |
| Matthews Branches | ||
|---|---|---|
| Branch Office | 435 N Trade St | Matthews, NC 28105 |