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Advertiser Disclosure
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 Charlotte Fire Department Credit Union Rates & Review November 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: October 29, 2026
Charlotte Fire Department Credit Union's 24 Month CDs rates are at 3.60%, 12 Month CDs rates are at 3.50%, 6 Month CDs rates are at 2.50%. Charlotte Fire Department Credit Union's savings rates are at 2.00%. Charlotte Fire Department Credit Union's checking rates are as high as 0.10%. Charlotte Fire Department Credit Union's Auto Loan Rates are as low as 6.00%. Charlotte Fire Department Credit Union's Credit Card Rates are at 14.00%. Charlotte Fire Department Credit Union's CD rates are 10% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Charlotte Fire Department Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.79%. Rates last updated and verified on 10/29/2026. Charlotte Fire Department Credit Union 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 Charlotte Fire Department Credit Union? Share your experience about Charlotte Fire Department Credit Union by leaving a review below, or read customer reviews before you decide to use Charlotte Fire Department Credit Union. Charlotte Fire Department Credit Union
CorporateOffice 2121 Commonwealth Ave
https://www.cfdcu.org Charlotte, NC 28205-5100  Customer Reviews
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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. Charlotte Fire Department Credit Union CD Rates
Charlotte Fire Department Credit Union Savings Rates
Charlotte Fire Department Credit Union Checking Rates
Charlotte Fire Department Credit Union Home Equity & HELOC
Charlotte Fire Department Credit Union Auto Loan Rates
Charlotte Fire Department Credit Union RV, Boat and Powersport Loan Rates
Charlotte Fire Department Credit Union Credit Card Rates
Charlotte Fire Department Credit Union Other Rates
Financial Health HistoryCharlotte Fire Department Credit Union’s Texas Ratio rose from 0.13% in Q3 2023 to 3.79% in Q2 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 Charlotte Fire Department Credit Union 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 Charlotte Fire Department Credit Union 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 Charlotte Fire Department Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Charlotte Fire Department Credit Union
Website
https://www.cfdcu.org
Address
2121 Commonwealth Ave,
Charlotte, NC 28205-5100
Phone
704-375-3950
Fax
704-344-8369
President
Brian Kurzel
CEO
Deborah Trotter
Full-Time Employees
8
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.79%
Return on Assets (ROA)
0.4350%
Return on Equity (ROE)
3.1076%
Non-Performing Loans Ratio (NPL)
1.59%
Total Assets
55,963,595
Total Amount of Shares and Deposits
47,766,099
Total Shares and Deposits < 1 Year
47,142,875
Total Shares and Deposits 1 3 Years
623,224
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,904,817
Total Uninsured Shares and Deposits > $250K (F+J)
1,904,817
Total Insured Shares and Deposits > $250K (item 17 less item K)
45,861,282
Total Interest Expense (Sum of items 6 8)
263,206
Share Certificates
282
Number of Accounts for Share Drafts
1,295
IRA KEOGH Accounts
62
Number of Accounts for Regular Shares
3,301
Net Income (unless the amount is already included in Undivided Earnings)
243,467
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)
8,298,324
Total Liabilities
48,246,836
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Charlotte Fire Department Credit UnionDoes Charlotte Fire Department Credit Union offer CDs?Yes. Charlotte Fire Department Credit Union current CD rates include its 24 Month CDs at 3.60% APY, its 12 Month CDs at 3.50% APY and its 6 Month CDs at 2.50% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Charlotte Fire Department Credit Union NCUA insured?Yes. Charlotte Fire Department Credit Union 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 Charlotte Fire Department Credit Union?The highest Charlotte Fire Department Credit Union CD rate is its 24 Month CDs at 3.60% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Charlotte Fire Department Credit Union offer?Charlotte Fire Department Credit Union CD rates are 2.50% APY for a 6 month CD, 3.50% APY for a 12 month CD and 3.60% APY for a 2 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 Charlotte Fire Department Credit Union for its full lineup. What is the highest savings rate at Charlotte Fire Department Credit Union?The highest Charlotte Fire Department Credit Union savings rate is its Savings Account - IRA at 2.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Charlotte Fire Department Credit Union?The lowest Charlotte Fire Department Credit Union auto loan rate is its New Vehicles Loan at 6.00% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Charlotte Fire Department Credit Union?The lowest Charlotte Fire Department Credit Union credit card APR is its VISA Credit Card at 14.00% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Charlotte Fire Department Credit Union operate?Charlotte Fire Department Credit Union 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 Charlotte Fire Department Credit Union?Yes, to access services at Charlotte Fire Department Credit Union, 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, Charlotte Fire Department Credit Union 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, Charlotte Fire Department Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Charlotte Fire Department Credit Union offer online and mobile banking?Most modern institutions like Charlotte Fire Department Credit Union 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.cfdcu.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 Charlotte Fire Department Credit Union rates compare?Charlotte Fire Department Credit Union's CD rates are 10% higher than the MonitorBankRates national average, and it has an A+ health rating. Charlotte Fire Department Credit Union's top rates are its 24 Month CDs at 3.60% APY, its Savings Account - IRA at 2.00% APY, its Share Draft at 0.10% APY, its New Vehicles Loan at 6.00% APR and its VISA Credit Card at 14.00% APR, verified by MonitorBankRates on October 29, 2026. Current Charlotte Fire Department Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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