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 Blue Flame Credit Union Charlotte, NC Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Blue Flame Credit Union Charlotte, NC's 60 Month IRA CDs rates are at 3.90%, 60 Month CDs rates are at 3.90%, 60 Month Young CDs rates are at 3.90%, 48 Month IRA CDs rates are at 3.75%, 48 Month CDs rates are at 3.75%. Blue Flame Credit Union Charlotte, NC's money market rates are at 0.20%. Blue Flame Credit Union Charlotte, NC's Personal Loan Rates are as low as 9.99%. Blue Flame Credit Union Charlotte, NC's Credit Card Rates are at 3.99%. MonitorBankRates evaluates the financial stability of Blue Flame Credit Union Charlotte, NC with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.18%. Rates last updated and verified on 09/22/2026. Blue Flame Credit Union Charlotte, NC money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Blue Flame Credit Union Charlotte, NC? Share your experience about Blue Flame Credit Union Charlotte, NC by leaving a review below, or read customer reviews before you decide to use Blue Flame Credit Union Charlotte, NC. Blue Flame Credit Union Charlotte, NC
Charlotte 2000 Continental Blvd
https://www.blueflamecu.org Charlotte, NC 28273 
Blue Flame Credit Union Charlotte, NC CD Rates
Blue Flame Credit Union Charlotte, NC Money Market Rates
Blue Flame Credit Union Charlotte, NC Checking Rates
Blue Flame Credit Union Charlotte, NC Auto Loan Rates
Blue Flame Credit Union Charlotte, NC RV, Boat and Powersport Loan Rates
Blue Flame Credit Union Charlotte, NC Credit Card Rates
Blue Flame Credit Union Charlotte, NC Personal Loan Rates
Blue Flame Credit Union Charlotte, NC Other Rates
Financial Health HistoryBlue Flame Credit Union Charlotte, NC’s Texas Ratio rose from 1.58% in Q2 2023 to 2.18% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Blue Flame Credit Union Charlotte, NC is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Blue Flame Credit Union Charlotte, NC rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Blue Flame Credit Union Charlotte, NC's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Blue Flame Credit Union Charlotte, NC
Website
https://www.blueflamecu.org
Address
2000 Continental Blvd,
Charlotte, NC 28273
Phone
704-523-0075
Fax
704-523-8906
President
Michael Dyches
CEO
Charles Lowe
Full-Time Employees
7
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.18%
Return on Assets (ROA)
-0.2420%
Return on Equity (ROE)
-2.1487%
Non-Performing Loans Ratio (NPL)
0.34%
Total Assets
30,578,518
Total Amount of Shares and Deposits
26,770,028
Total Shares and Deposits < 1 Year
25,547,836
Total Shares and Deposits 1 3 Years
1,212,186
Total Shares and Deposits > 3 Years
10,006
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,793,549
Total Uninsured Shares and Deposits > $250K (F+J)
1,793,549
Total Insured Shares and Deposits > $250K (item 17 less item K)
24,976,479
Total Interest Expense (Sum of items 6 8)
91,397
Share Certificates
155
Number of Accounts for Share Drafts
1,306
IRA KEOGH Accounts
81
Number of Accounts for Regular Shares
3,130
Non Member Deposits
8
Money Market Shares
115
Net Income (unless the amount is already included in Undivided Earnings)
-73,987
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,638,529
Total Liabilities
27,135,116
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Blue Flame Credit Union Charlotte, NC yet. Feel free to create one below.
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Add Your Rating and Review for Blue Flame Credit Union Charlotte, NC
Frequently Asked Questions About Blue Flame Credit Union Charlotte, NCHow many branches does Blue Flame Credit Union Charlotte, NC operate?Blue Flame Credit Union Charlotte, NC currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Blue Flame Credit Union Charlotte, NC?Yes, to access services at Blue Flame Credit Union Charlotte, NC, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Blue Flame Credit Union Charlotte, NC does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Blue Flame Credit Union Charlotte, NC provides members with tools to manage their accounts and build a solid financial history. Does Blue Flame Credit Union Charlotte, NC offer online and mobile banking?Most modern institutions like Blue Flame Credit Union Charlotte, NC provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.blueflamecu.org. Current Blue Flame Credit Union Charlotte, NC Rates
Retrieved from our database of financial products. Rates subject to change.
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