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Blue Flame Credit Union Charlotte, NC Rates & Review November 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 29, 2026
Blue Flame Credit Union Charlotte, NC's 60 Month CDs rates are at 3.90%, Young CDs - 60 month rates are at 3.90%, 48 Month CDs rates are at 3.75%, Young CDs - 48 month rates are at 3.75%, 36 Month CDs rates are at 3.65%. Blue Flame Credit Union Charlotte, NC's money market rates are at 1.20%. Blue Flame Credit Union Charlotte, NC's checking rates are as high as 0.01%. Blue Flame Credit Union Charlotte, NC's Personal Loan Rates are as low as 8.99%. Blue Flame Credit Union Charlotte, NC's Credit Card Rates are at 9.90%. Blue Flame Credit Union Charlotte, NC's CD rates are 19% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.
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 Share Certificates
-
3.90%
60 Months
Min Balance$500
DetailsEffective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Young Certificates - 60 month
-
3.90%
60 Months
Min Balance$500
DetailsFor Youth (under age 18) and Young Adults (through age 23); Early withdrawal penalties apply; Additional deposits may be made to Youth/Young Adult Certificates; Dividends compounded and paid monthly; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
48 Month Share Certificates
-
3.75%
48 Months
Min Balance$500
DetailsEffective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Young Certificates - 48 month
-
3.75%
48 Months
Min Balance$500
DetailsFor Youth (under age 18) and Young Adults (through age 23); Early withdrawal penalties apply; Additional deposits may be made to Youth/Young Adult Certificates; Dividends compounded and paid monthly; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
36 Month Share Certificates
-
3.65%
36 Months
Min Balance$500
DetailsEffective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Young Certificates - 36 month
-
3.65%
36 Months
Min Balance$500
DetailsFor Youth (under age 18) and Young Adults (through age 23); Early withdrawal penalties apply; Additional deposits may be made to Youth/Young Adult Certificates; Dividends compounded and paid monthly; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
24 Month Share Certificates
-
3.60%
24 Months
Min Balance$500
DetailsEffective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Young Certificates - 24 month
-
3.60%
24 Months
Min Balance$500
DetailsFor Youth (under age 18) and Young Adults (through age 23); Early withdrawal penalties apply; Additional deposits may be made to Youth/Young Adult Certificates; Dividends compounded and paid monthly; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
18 Month Share Certificates
-
3.55%
18 Months
Min Balance$500
DetailsEffective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Young Certificates - 18 month
-
3.55%
18 Months
Min Balance$500
DetailsFor Youth (under age 18) and Young Adults (through age 23); Early withdrawal penalties apply; Additional deposits may be made to Youth/Young Adult Certificates; Dividends compounded and paid monthly; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
12 Month Share Certificates
-
3.50%
12 Months
Min Balance$500
DetailsEffective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Young Certificates - 12 month
-
3.50%
12 Months
Min Balance$500
DetailsFor Youth (under age 18) and Young Adults (through age 23); Early withdrawal penalties apply; Additional deposits may be made to Youth/Young Adult Certificates; Dividends compounded and paid monthly; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
9 Month Share Certificates
-
3.15%
9 Months
Min Balance$500
DetailsEffective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Young Certificates - 9 month
-
3.15%
9 Months
Min Balance$500
DetailsFor Youth (under age 18) and Young Adults (through age 23); Early withdrawal penalties apply; Additional deposits may be made to Youth/Young Adult Certificates; Dividends compounded and paid monthly; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
6 Month Share Certificates
-
2.65%
6 Months
Min Balance$500
DetailsEffective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Young Certificates - 6 month
-
2.65%
6 Months
Min Balance$500
DetailsFor Youth (under age 18) and Young Adults (through age 23); Early withdrawal penalties apply; Additional deposits may be made to Youth/Young Adult Certificates; Dividends compounded and paid monthly; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
3 Month Share Certificates
-
2.15%
3 Months
Min Balance$500
DetailsEffective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Young Certificates - 3 month
-
2.15%
3 Months
Min Balance$500
DetailsFor Youth (under age 18) and Young Adults (through age 23); Early withdrawal penalties apply; Additional deposits may be made to Youth/Young Adult Certificates; Dividends compounded and paid monthly; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Blue Flame Credit Union Charlotte, NC Savings Rates
Product
Rate
APY
View More
Young Adult Shares
-
0.10%
DetailsDividends paid quarterly; Effective August 1, 2025
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Youth Shares
-
0.10%
DetailsDividends paid quarterly; Effective August 1, 2025
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Regular Shares
-
0.05%
Min Balance$200
DetailsBalance: minimum average daily balance before dividends can be earned; Dividends paid quarterly; Effective August 1, 2025
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 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; Dividends compounded and paid monthly; Some withdrawal limitations apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 9 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; Dividends compounded and paid monthly; Some withdrawal limitations apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 9 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; Dividends compounded and paid monthly; Some withdrawal limitations apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 9 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; Dividends compounded and paid monthly; Some withdrawal limitations apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 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; Dividends compounded and paid monthly; Some withdrawal limitations apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 9 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; Dividends compounded and paid monthly; Some withdrawal limitations apply
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 9 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
DetailsBalance: minimum average daily balance before dividends can be earned; Dividends paid monthly; Effective August 1, 2025
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 9 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 Car Loan - 36 Months
-
-
4.49%
36 Months
DetailsAs Low As; Min. Amount: $5,001+; Effective October 1, 2026; vehicle must have less than 5k miles and less than 90 days in service
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Vehicle or Equipment Refinance
-
-
4.49%
DetailsAs Low As; Current Refinance Offer for refinancing a vehicle or equipment
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New Car Loan - 48 Months
-
-
4.99%
48 Months
DetailsAs Low As; Min. Amount: $7,501+; Effective October 1, 2026; vehicle must have less than 5k miles and less than 90 days in service
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New Car Loan - 60 Months
-
-
5.49%
60 Months
DetailsAs Low As; Min. Amount: $10,001+; Effective October 1, 2026; vehicle must have less than 5k miles and less than 90 days in service
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Used Car Loan - 36 Months
-
-
5.49%
36 Months
DetailsAs Low As; Min. Amount: $5,001; Used vehicles; Effective October 1, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New Car Loan - 72 Months
-
-
5.79%
72 Months
DetailsAs Low As; Min. Amount: $20,001+; Effective October 1, 2026; vehicle must have less than 5k miles and less than 90 days in service
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Used Car Loan - 48 Months
-
-
5.99%
48 Months
DetailsAs Low As; Min. Amount: $7,501+; Used vehicles; Effective October 1, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New Car Loan - 84 Months
-
-
6.29%
84 Months
DetailsAs Low As; Min. Amount: $30,001+; Effective October 1, 2026; vehicle must have less than 5k miles and less than 90 days in service
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.29% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Private Party Vehicle Title Sales Loan
-
-
6.49%
36 Months
DetailsAs Low As; Min. Amount: $5,001+; Effective October 1, 2026
Last Updated10/29/2026
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%
Used Car Loan - 60 Months
-
-
6.49%
60 Months
DetailsAs Low As; Min. Amount: $10,001+; Used vehicles; Effective October 1, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Used Car Loan - 72 Months
-
-
6.69%
72 Months
DetailsAs Low As; Min. Amount: $20,001+; Used vehicles; Effective October 1, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New Car Loan - 96 Months
-
-
6.89%
96 Months
DetailsAs Low As; Min. Amount: $40,001+; Effective October 1, 2026; vehicle must have less than 5k miles and less than 90 days in service
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.89% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Private Party Vehicle Title Sales Loan
-
-
6.99%
48 Months
DetailsAs Low As; Min. Amount: $7,501+; Effective October 1, 2026
Last Updated10/29/2026
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%
Used Car Loan - 84 Months
-
-
6.99%
84 Months
DetailsAs Low As; Min. Amount: $30,001+; Used vehicles; Effective October 1, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New Trucks & SUVs Loan
-
-
7.39%
up to 120 Months
DetailsAs Low As; Min Amount: $50,001+; Minimum required finance amount must exceed amount listed; Shorter terms with lower minimum finance amounts follow our New or Used Car Loan rates
Last Updated10/29/2026
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
DetailsAs Low As; Min. Amount: $10,001+; Effective October 1, 2026
Last Updated10/29/2026
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
DetailsAs Low As; Min Amount: $40,001+; 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 Updated10/29/2026
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
DetailsAs Low As; Min. Amount: $20,001+; Effective October 1, 2026
Last Updated10/29/2026
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
DetailsAs Low As; Min. Amount: $30,001+; Effective October 1, 2026
Last Updated10/29/2026
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 Motorcycle Loan - 36 Months
-
6.49%
36 Months
DetailsAs Low As; Min Amount: $5,001+; Actual rate based on individual credit, age of vehicle and terms of loan; Vehicles older than 10 model years are financed up to 90% LTV
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used Motorcycle Loan - 48 Months
-
6.99%
48 Months
DetailsAs Low As; Min Amount: $7,501+; Actual rate based on individual credit, age of vehicle and terms of loan; Vehicles older than 10 model years are financed up to 90% LTV
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
6.99%
48 Months
DetailsAs Low As; Min Amount: $5,001+; Actual rate based on individual credit and terms of loan; Effective October 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used Motorcycle Loan - 60 Months
-
7.49%
60 Months
DetailsAs Low As; Min Amount: $10,001+; Actual rate based on individual credit, age of vehicle and terms of loan; Vehicles older than 10 model years are financed up to 90% LTV
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
7.49%
60 Months
DetailsAs Low As; Min Amount: $10,001+; Actual rate based on individual credit and terms of loan; Effective October 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used Motorcycle Loan - 72 Months
-
7.69%
72 Months
DetailsAs Low As; Min Amount: $20,001+; Actual rate based on individual credit, age of vehicle and terms of loan; Vehicles older than 10 model years are financed up to 90% LTV
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used Motorcycle Loan - 84 Months
-
7.99%
84 Months
DetailsAs Low As; Min Amount: $30,001+; Actual rate based on individual credit, age of vehicle and terms of loan; Vehicles older than 10 model years are financed up to 90% LTV
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
7.99%
72 Months
DetailsAs Low As; Min Amount: $20,001+; Actual rate based on individual credit and terms of loan; Effective October 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
8.49%
84 Months
DetailsAs Low As; Min Amount: $30,001+; Actual rate based on individual credit and terms of loan; Effective October 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
8.99%
96 Months
DetailsAs Low As; Min Amount: $40,001+; Actual rate based on individual credit and terms of loan; Effective October 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 8.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan
-
8.99%
84 Months
DetailsAs Low As; Min Amount: $30,001+; Actual rate based on individual credit and terms of loan
Last Updated10/29/2026
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
DetailsAs Low As; Min Amount: $50,001+; Actual rate based on individual credit and terms of loan; Effective October 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 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%
DetailsAs Low As; Balance Transfer APR as low as 9.90%; Cash Advance APR as low as 9.90%; Delinquent Account APR: 15.99%; Annual Fee:; Late Payment Fee: $15; Credit Card Replacement Fee: $10; Over the Credit Limit Fee: $10; Grace Period: 25 Days
Last Updated10/29/2026
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 Lending - Line of Credit
8.99%
DetailsAs Low As; Max Term: Based on Balance
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Personal Lending - Personal Loan
9.99%
DetailsAs Low As; Max Term: Based on Balance
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 9.99% APR · checked 2 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; Loan Purpose: Disaster Recovery; Max Amount: $5,000; Max Term: 12 months
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Holiday Loan
-
-
5.49%
12 months
DetailsAs Low As; Loan Purpose: Holiday; Max Amount: $5,000; Max Term: 12 months
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Vacation Loan
-
-
5.49%
12 months
DetailsAs Low As; Loan Purpose: Vacation; Max Amount: $5,000; Max Term: 12 months
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Christmas
-
-
0.15%
DetailsDividends paid monthly; Effective August 1, 2025
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
IRA
-
-
0.50%
DetailsDividends paid monthly; Effective August 1, 2025
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
IRA Certificate - 12 Months
-
-
3.50%
12 Months
Min Balance$500
DetailsMinimum balance before dividends can be earned; IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings; Dividends compounded and paid monthly; Early withdrawal penalties apply; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
IRA Certificate - 18 Months
-
-
3.55%
18 Months
Min Balance$500
DetailsMinimum balance before dividends can be earned; IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings; Dividends compounded and paid monthly; Early withdrawal penalties apply; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.55% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
IRA Certificate - 24 Months
-
-
3.60%
24 Months
Min Balance$500
DetailsMinimum balance before dividends can be earned; IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings; Dividends compounded and paid monthly; Early withdrawal penalties apply; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
IRA Certificate - 3 Months
-
-
2.15%
3 Months
Min Balance$500
DetailsMinimum balance before dividends can be earned; IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings; Dividends compounded and paid monthly; Early withdrawal penalties apply; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
IRA Certificate - 36 months
-
-
3.65%
36 months
Min Balance$500
DetailsMinimum balance before dividends can be earned; IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings; Dividends compounded and paid monthly; Early withdrawal penalties apply; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
IRA Certificate - 48 Months
-
-
3.75%
48 Months
Min Balance$500
DetailsMinimum balance before dividends can be earned; IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings; Dividends compounded and paid monthly; Early withdrawal penalties apply; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
IRA Certificate - 6 Months
-
-
2.65%
6 Months
Min Balance$500
DetailsMinimum balance before dividends can be earned; IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings; Dividends compounded and paid monthly; Early withdrawal penalties apply; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
IRA Certificate - 60 Months
-
-
3.90%
60 Months
Min Balance$500
DetailsMinimum balance before dividends can be earned; IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings; Dividends compounded and paid monthly; Early withdrawal penalties apply; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
IRA Certificate - 9 Months
-
-
3.15%
9 Months
Min Balance$500
DetailsMinimum balance before dividends can be earned; IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings; Dividends compounded and paid monthly; Early withdrawal penalties apply; Effective January 2, 2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Vacation
-
-
0.15%
DetailsDividends paid monthly; Effective August 1, 2025
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 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
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 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, and this profile page always shows the latest results, so the code never needs to change.
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
Does Blue Flame Credit Union Charlotte, NC offer CDs?
Yes. Blue Flame Credit Union Charlotte, NC current CD rates include its 60 Month CDs at 3.90% APY, its Young CDs - 60 month at 3.90% APY and its 48 Month CDs at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Blue Flame Credit Union Charlotte, NC NCUA insured?
Yes. Blue Flame Credit Union Charlotte, NC is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Blue Flame Credit Union Charlotte, NC?
The highest Blue Flame Credit Union Charlotte, NC CD rate is its 60 Month CDs at 3.90% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Blue Flame Credit Union Charlotte, NC offer?
Blue Flame Credit Union Charlotte, NC CD rates are 3.50% APY for a 12 month CD, 3.55% APY for an 18 month CD, 3.60% APY for a 2 year CD, 3.65% APY for a 3 year CD, 3.75% APY for a 4 year CD and 3.90% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Blue Flame Credit Union Charlotte, NC for its full lineup.
What is the highest money market rate at Blue Flame Credit Union Charlotte, NC?
The highest Blue Flame Credit Union Charlotte, NC money market rate is its Money Market at 1.20% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Blue Flame Credit Union Charlotte, NC?
The highest Blue Flame Credit Union Charlotte, NC checking rate is its Checking at 0.01% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Blue Flame Credit Union Charlotte, NC?
The lowest Blue Flame Credit Union Charlotte, NC auto loan rate is its New Car Loan - 36 Months at 4.49% APR, verified by MonitorBankRates as of October 29, 2026. Blue Flame Credit Union Charlotte, NC auto loan rates are 4.49% APR for a 36 month auto loan, 4.99% APR for a 48 month auto loan, 5.49% APR for a 60 month auto loan, 5.79% APR for a 72 month auto loan, 6.29% APR for an 84 month auto loan and 6.89% APR for a 96 month auto loan.
What is the lowest personal loan rate at Blue Flame Credit Union Charlotte, NC?
The lowest Blue Flame Credit Union Charlotte, NC personal loan rate is its Personal Lending - Line of Credit at 8.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Blue Flame Credit Union Charlotte, NC?
The lowest Blue Flame Credit Union Charlotte, NC credit card APR is its Mastercard Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026.
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.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Blue Flame Credit Union Charlotte, NC rates compare?
Blue Flame Credit Union Charlotte, NC's CD rates are 19% higher than the MonitorBankRates national average, and it has an A+ health rating. Blue Flame Credit Union Charlotte, NC's top rates are its 60 Month CDs at 3.90% APY, its Money Market at 1.20% APY, its Checking at 0.01% APY, its Personal Lending - Line of Credit at 8.99% APR and its Mastercard Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026.
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.