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Charlotte Fire Department Credit Union

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Charlotte Fire Department Credit Union Rates & Review April 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Charlotte Fire Department Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.05%, 6-month share certificate rates at 3.75% and 3-month share certificate rates at 2.60%. Savings rates are at 0.01% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 6.06%. All these rates can be compared to Charlotte Fire Department Credit Union rates. 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 4.29%. Rates were last updated on 04/23/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.29%

Excellent Lower than avg

Charlotte Fire Department Credit Union
CorporateOffice

2121 Commonwealth Ave
Charlotte, NC 28205 5100

https://www.cfdcu.org

Charlotte Fire Department Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity LOC	-	-	7.75%	10 year draw / 20 year repay
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Charlotte Fire Department Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA®	-	14.00%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates 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 10

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.29%

Return on Assets (ROA)

0.7572%

Return on Equity (ROE)

5.4183%

Non-Performing Loans Ratio (NPL)

1.52%

Total Assets

53,218,587

Total Amount of Shares and Deposits

45,135,185

Total Shares and Deposits < 1 Year

44,803,895

Total Shares and Deposits 1 3 Years

331,290

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

770,829

Total Uninsured Shares and Deposits > $250K (F+J)

770,829

Total Insured Shares and Deposits > $250K (item 17 less item K)

44,364,356

Total Interest Expense (Sum of items 6 8)

441,035

Share Certificates

258

Number of Accounts for Share Drafts

1,307

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,311

Net Income (unless the amount is already included in Undivided Earnings)

402,958

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,391,648

Total Liabilities

45,730,839

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Charlotte Fire Department Credit Union

Is Charlotte Fire Department Credit Union a safe place to deposit money?

Yes, Charlotte Fire Department Credit Union is considered a safe financial institution. With a Texas Ratio of 4.2904068542812%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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.