Credit union · NCUA insured
Bragg Mutual Federal Credit Union
A $130.4M credit union headquartered in Fayetteville, NC, with 9,152 members and 4 branches in North Carolina. Best rates: CDs 3.90% and savings 1.01% APY.
Bragg Mutual Federal Credit Union Carrot Score
82
Carrot Score
Higher than 61% of U.S. banks and credit unions
#8 of 18 in Fayetteville, NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bragg Mutual Federal Credit Union
Chartered on January 1, 1952, Bragg Mutual Federal Credit Union was founded by seven Civil Service employees at Fort Bragg to serve the financial needs of base civilian employees.
Originally chartered as Bragg Civilian Federal Credit Union, it adopted its current name in 1979 and operates as an independent, member-owned financial cooperative.
Based in Fayetteville, North Carolina, the credit union serves members across 25 North Carolina counties and 7 South Carolina counties.
- Headquarters
- 2917 Village Dr, Fayetteville, NC 28304-3814
- NCUA charter
- 7955
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to people, businesses, and other legal entities located within certain areas/census tracts who live, worship, work/regularly conduct business, or attend school in 25 specified North Carolina counties.
- Open to people, businesses, and other legal entities located within certain areas/census tracts who live, worship, work/regularly conduct business, or attend school in 7 specified South Carolina counties.
Branches
4 branches in North Carolina
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North Carolina
4 branches
Fayetteville area · 2
- Main OfficeMain office2917 Village Dr, Fayetteville, NC 28304Directions
- Cape Fear Valley Branch1638 Owen Dr Fl 1, Fayetteville, NC 28304Directions
Anderson Creek area · 1
- Spout Springs Branch1570 Nc Hwy 24/87, Cameron, NC 28326Directions
Kenansville area · 1
- Kenansville Branch174 Liberty Square Shopping Center, Kenansville, NC 28349Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.26% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.85% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.24% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $75 | $76 | — |
- CapitalNet worth ratio8.26%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.85%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.24%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$75Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Bragg Mutual Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.