Charlotte Metro Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.55% | 5-year CD | 5 Year Share Certificate 1.85% - Synchrony Bank 60 Month CD |
| 0.50% | 1-year CD | 1 Year Share Certificate 1.05% - Ally Bank High Yield 12-Month CD |
| 0.15% | Savings | Ultimate Savings Account 1.00% - Ally Bank Online Savings Account |
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
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.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 24808 |
| Year Chartered | 1962 |
| Employees | 122 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.72% |
| Return on Equity - YTD | 6.77% |
| Annual Interest Income | $6.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $383.7MM$342.1MM |
| Loans | Q2 2016vs Q2 2015 | $296.1MM$247.0MM |
| Deposits | Q2 2016vs Q2 2015 | $308.5MM$286.4MM |
| Equity Capital | Q2 2016vs Q2 2015 | $40.3MM$36.6MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $1.6MM$1.5MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $642.00K$520.00K |
| Real Estate Owned | Q2 2016vs Q2 2015 | $66.00K$56.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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 Office | 11110 E independence Blvd | Matthews, NC 28105 |
| 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 | 16649 Statesville Rd | Huntersville, NC 28078 |
| 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 |