Credit union · NCUA insured
Charlotte Fire Department CU
A $54.5M credit union headquartered in Charlotte, NC, with 3,016 members and 1 branch in North Carolina. Best rates: CDs 3.60% and savings 0.25% APY.
Charlotte Fire Department CU Carrot Score
65
Carrot Score
Higher than 14% of U.S. banks and credit unions
#30 of 38 in Charlotte, NC-SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Charlotte Fire Department CU
Charlotte Fire Department Credit Union has served its community since 1936 from Charlotte, North Carolina.
The institution operates as a member-owned, not-for-profit financial cooperative.
- Headquarters
- 2121 Commonwealth Ave, Charlotte, NC 28205-5100
- NCUA charter
- 63566
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of the Charlotte Fire Department are eligible to join.
- Volunteer firefighters from surrounding counties are eligible to join.
Family and household
- Family members of Charlotte Fire Department employees and volunteer firefighters from surrounding counties are eligible to join.
Branches
1 branch in North Carolina
Loading map…
North Carolina
1 branch
- CorporateOfficeMain office2121 Commonwealth Ave, Charlotte, NC 28205Directions
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 | 14.00% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.59% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.89% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $39 | $59 | — |
- CapitalNet worth ratio14.00%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.59%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.89%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$39Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Charlotte Fire Department CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.