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Blue Flame Credit Union Charlotte, NC Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 9, 2026
Blue Flame Credit Union Charlotte, NC's top rates as of October 9, 2026 are 3.90% APY on its 60 Month IRA CD, 1.20% APY on money market accounts, 0.01% APY on checking, personal loans from 9.99% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Blue Flame Credit Union Charlotte, NC CD rates include 60 Month CD at 3.90%, 60 Month Young CDs at 3.90%, and 48 Month IRA CD at 3.75%. 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 1.32%. Rates last updated and verified on 10/09/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Blue Flame Credit Union Charlotte, NC has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.32%
ExcellentLower than avg
Blue Flame Credit Union Charlotte, NC Texas Ratio
Blue Flame Credit Union Charlotte, NC's Texas Ratio is 1.32%, which is considered excellent and is lower than the national average of 6.13%.
Blue Flame Credit Union Charlotte, NC has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Blue Flame Credit Union Charlotte, NC Health Trend
2.49% to 1.32% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Blue Flame Credit Union Charlotte, NC CD Rates
Product
Rate
APY
Term
View More
60 Month IRA Certificate
-
3.90%
60 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
60 Month Share Certificate
-
3.90%
60 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
60 Month Young Certificates
-
3.90%
60 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
48 Month IRA Certificate
-
3.75%
48 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
48 Month Share Certificate
-
3.75%
48 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
48 Month Young Certificates
-
3.75%
48 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
36 Month IRA Certificate
-
3.65%
36 months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
36 Month Share Certificate
-
3.65%
36 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
36 Month Young Certificates
-
3.65%
36 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
24 Month IRA Certificate
-
3.60%
24 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
24 Month Share Certificate
-
3.60%
24 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
24 Month Young Certificates
-
3.60%
24 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
18 Month IRA Certificate
-
3.55%
18 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
18 Month Share Certificate
-
3.55%
18 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
18 Month Young Certificates
-
3.55%
18 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
12 Month IRA Certificate
-
3.50%
12 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
12 Month Share Certificate
-
3.50%
12 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
12 Month Young Certificates
-
3.50%
12 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
9 Month IRA Certificate
-
3.15%
9 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
9 Month Share Certificate
-
3.15%
9 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
9 Month Young Certificates
-
3.15%
9 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
6 Month IRA Certificate
-
2.65%
6 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
6 Month Share Certificate
-
2.65%
6 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
6 Month Young Certificates
-
2.65%
6 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
3 Month IRA Certificate
-
2.15%
3 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
3 Month Share Certificate
-
2.15%
3 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
3 Month Young Certificates
-
2.15%
3 Months
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Blue Flame Credit Union Charlotte, NC Money Market Rates
Product
Rate
APY
View More
Money Markets
-
1.20%
Min Balance$250,000
DetailsBalance: $250,000.01 and up
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Money Markets
-
0.95%
Min Balance$100,000
DetailsBalance: $100,000.01 to 250,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Money Markets
-
0.70%
Min Balance$50,000
DetailsBalance: $50,000.01 to $100,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Money Markets
-
0.40%
Min Balance$25,000
DetailsBalance: $25,000.01 to $50,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Money Markets
-
0.30%
Min Balance$10,000
DetailsBalance: $10,000.01 to $25,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Money Markets
-
0.20%
Min Balance$500
DetailsBalance: $500 to $10,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Blue Flame Credit Union Charlotte, NC Checking Rates
Product
Rate
APY
View More
Checking
-
0.01%
Min Balance$200
DetailsAPY is variable and subject to change. Minimum balance to earn APY is $200.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Blue Flame Credit Union Charlotte, NC Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New & Used SUVs & Trucks Loan
-
-
4.49%
60 months
DetailsRates listed are as low as. Actual rate based on individual credit and terms of loan. Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Minimum required finance amount must exceed amount listed. Shorter terms with lower minimum finance amounts follow our New or Used Car Loan rates.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New Cars Loan
-
-
4.49%
60 months
DetailsRates listed are as low as. Actual rate based on individual credit and terms of loan. Finance amount based on individual credit. Shorter terms available with lower minimum finance amount. To qualify for new car loan rates, vehicle must have less than 5k miles and less than 90 days in service.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Private Party Vehicle Title Sales Loan
-
-
4.49%
60 months
DetailsRates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.79% → 4.49% ▼ 2.30 pts · high 6.79% / low 4.49%
Oct 9, 20264.49%▼ from 6.79%
Sep 14, 20266.79%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Used Cars Loan
-
-
4.49%
60 months
DetailsRates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Private Party Vehicle Title Sales Loan
-
-
6.49%
36 Months
DetailsMin. Amount**: $5,001+
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99%
Oct 9, 20266.49%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Private Party Vehicle Title Sales Loan
-
-
6.99%
48 Months
DetailsMin. Amount**: $7,501+
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.39% → 6.99% ▲ 0.60 pts · high 6.99% / low 6.39%
Oct 9, 20266.99%▲ from 6.39%
Sep 14, 20266.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New Trucks & SUVs Loan
-
-
7.39%
up to 120 Months
DetailsMin Amount: $50,001+
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 7.39% ▲ 1.40 pts · high 7.39% / low 5.99%
Oct 9, 20267.39%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Private Party Vehicle Title Sales Loan
-
-
7.49%
60 Months
DetailsMin. Amount**: $10,001+
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.79% → 7.49% ▲ 0.70 pts · high 7.49% / low 6.79%
Oct 9, 20267.49%▲ from 6.79%
Sep 14, 20266.79%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Used Trucks & SUVs Loan
-
-
7.49%
up to 96 Months
DetailsMin Amount: $40,001+
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.49% → 7.49% ▲ 1.00 pts · high 7.49% / low 6.49%
Oct 9, 20267.49%▲ from 6.49%
Sep 14, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Private Party Vehicle Title Sales Loan
-
-
7.99%
72 Months
DetailsMin. Amount**: $20,001+
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.09% → 7.99% ▲ 0.90 pts · high 7.99% / low 7.09%
Oct 9, 20267.99%▲ from 7.09%
Sep 14, 20267.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Private Party Vehicle Title Sales Loan
-
-
8.49%
84 Months
DetailsMin. Amount**: $30,001+
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.39% → 8.49% ▲ 1.10 pts · high 8.49% / low 7.39%
Oct 9, 20268.49%▲ from 7.39%
Sep 14, 20267.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Blue Flame Credit Union Charlotte, NC RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New & Used Motorcycles Loan
-
4.49%
60 months
DetailsRates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.49% → 4.49% ▼ 2.00 pts · high 6.49% / low 4.49%
Oct 9, 20264.49%▼ from 6.49%
Sep 14, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used Powersport, ATV, UTV & Dirt Bikes Loan
-
4.49%
60 months
DetailsRates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
4.49%
60 months
DetailsRates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. Finance amount based on individual credit. Recreational vehicles older than 10 model years are financed up to 90% LTV. Shorter terms with lower minimum finance amount available.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.19% → 4.49% ▼ 1.70 pts · high 6.19% / low 4.49%
Oct 9, 20264.49%▼ from 6.19%
Sep 14, 20266.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used Motorcycles Loan
-
6.49%
36 Months
DetailsAs Low As; *
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99%
Oct 9, 20266.49%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used Motorcycles Loan
-
6.99%
48 Months
DetailsAs Low As; *
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.29% → 6.99% ▲ 0.70 pts · high 6.99% / low 6.29%
Oct 9, 20266.99%▲ from 6.29%
Sep 14, 20266.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
6.99%
48 Months
DetailsMin Amount: $5,001+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used Motorcycles Loan
-
7.49%
60 Months
DetailsAs Low As; *
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.49% → 7.49% ▲ 1.00 pts · high 7.49% / low 6.49%
Oct 9, 20267.49%▲ from 6.49%
Sep 14, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
7.49%
60 Months
DetailsMin Amount: $10,001+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used Motorcycles Loan
-
7.69%
72 Months
DetailsAs Low As; *
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.79% → 7.69% ▲ 0.90 pts · high 7.69% / low 6.79%
Oct 9, 20267.69%▲ from 6.79%
Sep 14, 20266.79%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used Motorcycles Loan
-
7.99%
84 Months
DetailsAs Low As; *
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.09% → 7.99% ▲ 0.90 pts · high 7.99% / low 7.09%
Oct 9, 20267.99%▲ from 7.09%
Sep 14, 20267.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
7.99%
72 Months
DetailsMin Amount: $20,001+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
8.49%
84 Months
DetailsMin Amount: $30,001+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
8.99%
96 Months
DetailsMin Amount: $40,001+
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 8.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
8.99%
84 Months
DetailsMin Amount**: $30,001+
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.49% → 8.99% ▲ 0.50 pts · high 8.99% / low 8.49%
Oct 9, 20268.99%▲ from 8.49%
Sep 14, 20268.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
9.99%
120 Months
DetailsMin Amount: $50,001+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Blue Flame Credit Union Charlotte, NC Credit Card Rates
Product
Rate
APR
View More
Mastercard
-
9.90%
DetailsPurchase APR*; as low as 9.90%
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 15.99% → 9.90% ▼ 6.09 pts · high 15.99% / low 3.99%
Oct 9, 20269.90%▲ from 3.99%
Sep 22, 20263.99%▼ from 15.99%
Sep 14, 202615.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Blue Flame Credit Union Charlotte, NC Personal Loan Rates
Product
APR
Term
View More
Personal Loan
9.99%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Blue Flame Credit Union Charlotte, NC Other Rates
Product
Rate
Points
APY/APR
Term
View More
Disaster Recovery Loan
-
-
3.99%
12 months
DetailsAs Low As; Special Rate
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Holiday Loan
-
-
5.49%
12 months
DetailsAs Low As; Special Rate
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Line of Credit
-
-
8.99%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Vacation Loan
-
-
5.49%
12 months
DetailsAs Low As; Special Rate
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Christmas
-
-
0.15%
DetailsAPY is variable and subject to change.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
IRA
-
-
0.50%
DetailsAPY is variable and subject to change.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Regular Shares
-
-
0.05%
Min Balance$200
DetailsAPY is variable and subject to change. Minimum balance to earn APY is $200.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Vacation
-
-
0.15%
DetailsAPY is variable and subject to change.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Young Adult Shares
-
-
0.10%
DetailsAPY is variable and subject to change.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Youth Shares
-
-
0.10%
DetailsAPY is variable and subject to change.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Financial Health History
Blue Flame Credit Union Charlotte, NC’s Texas Ratio fell from 2.49% in Q3 2023 to 1.32% in Q2 2026, so its financial health has improved and is now 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
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$30M
1.32%
5.0
A+
March 31, 2026
$31M
2.18%
5.0
A+
December 31, 2025
$30M
1.24%
5.0
A+
September 30, 2025
$29M
0.29%
5.0
A+
June 30, 2025
$30M
0.78%
5.0
A+
March 31, 2025
$30M
1.34%
5.0
A+
December 31, 2024
$29M
2.00%
5.0
A+
September 30, 2024
$29M
1.35%
5.0
A+
June 30, 2024
$29M
0.79%
5.0
A+
March 31, 2024
$29M
1.16%
5.0
A+
December 31, 2023
$30M
1.74%
5.0
A+
September 30, 2023
$30M
2.49%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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 NameBlue Flame Credit Union Charlotte, NC
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,750,782
Total Uninsured Shares and Deposits > $250K (F+J)
1,750,782
Total Insured Shares and Deposits > $250K (item 17 less item K)
24,829,046
Total Interest Expense (Sum of items 6 8)
183,265
Share Certificates
152
Number of Accounts for Share Drafts
1,320
IRA KEOGH Accounts
80
Number of Accounts for Regular Shares
3,143
Non Member Deposits
8
Money Market Shares
114
Net Income (unless the amount is already included in Undivided Earnings)
-175,681
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)
1,013,319
Total Liabilities
26,924,494
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Blue Flame Credit Union Charlotte, NC earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Blue Flame Credit Union Charlotte, NC
How 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
12-Month CD3.50%
18-Month CD3.55%
24-Month CD3.60%
60-Month CD3.90%
MMA1.20%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
