What are the current interest rates at Blue Flame Credit Union Charlotte, NC?

Current rates for Blue Flame Credit Union Charlotte, NC include: 12-Month CD: 3.50%, 18-Month CD: 3.55%, 24-Month CD: 3.60%, 60-Month CD: 3.90%, MMA: 1.20%

MonitorBankRates

☰

Home›
Credit Unions›
Blue Flame Credit Union Charlotte, NC

iAdvertiser Disclosure

Blue Flame Credit Union Charlotte, NC Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Blue Flame Credit Union Charlotte, NC's top rates as of October 13, 2026 are 3.90% APY on its 60 Month 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 Young CDs at 3.90%, 48 Month CD at 3.75%, and 48 Month Young CDs 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 10/13/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.32%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Blue Flame Credit Union Charlotte, NC
Charlotte

2000 Continental Blvd
Charlotte, NC 28273

https://www.blueflamecu.org

Customer Reviews

Be the first to review

Write a Review

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
60 Month Share Certificate	-	3.90%	60 Months
Min Balance $500 Details Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.90% APY · checked 2 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 Details For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.90% APY · checked 5 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 Details Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.75% APY · checked 2 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 Details For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 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 Details Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 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 Details For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 5 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 Details Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 2 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 Details For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 5 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 Details Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 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 Details For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 5 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 Details Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 2 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 Details For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 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 Details Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.15% APY · checked 2 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 Details For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 5 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 Details Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 2.65% APY · checked 2 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 Details For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.65% APY · checked 5 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 Details Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 2.15% APY · checked 2 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 Details For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.15% APY · checked 5 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
Money Markets	-	1.20%
Min Balance $250,000 Details Balance: $250,000.01 and up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Money Markets	-	0.95%
Min Balance $100,000 Details Balance: $100,000.01 to 250,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Money Markets	-	0.70%
Min Balance $50,000 Details Balance: $50,000.01 to $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Money Markets	-	0.40%
Min Balance $25,000 Details Balance: $25,000.01 to $50,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Money Markets	-	0.30%
Min Balance $10,000 Details Balance: $10,000.01 to $25,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Money Markets	-	0.20%
Min Balance $500 Details Balance: $500 to $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 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 Details Balance: $200 minimum average daily balance before dividends can be earned; dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 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
New Cars Loan	-	-	4.49%	36 Months
Details As Low As; Min. Amount: $5,001+; Effective October 1, 2026; APR = Annual Percentage Rate; actual rate based on individual credit and terms of loan Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Vehicle or Equipment Refinance	-	-	4.49%
Details As Low As; Current Refinance Offer for a vehicle or equipment; rate type not specified on page Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New Cars Loan	-	-	4.99%	48 Months
Details As Low As; Min. Amount: $7,501+; Effective October 1, 2026; APR = Annual Percentage Rate; actual rate based on individual credit and terms of loan Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New Cars Loan	-	-	5.49%	60 Months
Details As Low As; Min. Amount: $10,001+; Effective October 1, 2026; APR = Annual Percentage Rate; actual rate based on individual credit and terms of loan Last Updated 10/13/2026 Rate History 1 change since Oct 9, 2026 · 4.49% → 5.49% ▲ 1.00 pts · high 5.49% / low 4.49% Oct 13, 20265.49%▲ from 4.49% Oct 9, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Used Cars Loan	-	-	5.49%	36 Months
Details As Low As; Min. Amount: $5,001; Used car loan. 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 Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New Cars Loan	-	-	5.79%	72 Months
Details As Low As; Min. Amount: $20,001+; Effective October 1, 2026; APR = Annual Percentage Rate; actual rate based on individual credit and terms of loan Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Used Cars Loan	-	-	5.99%	48 Months
Details As Low As; Min. Amount: $7,501+; Used car loan. 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 Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New Cars Loan	-	-	6.29%	84 Months
Details As Low As; Min. Amount: $30,001+; Effective October 1, 2026; APR = Annual Percentage Rate; actual rate based on individual credit and terms of loan Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Private Party Vehicle Title Sales Loan	-	-	6.49%	36 Months
Details As Low As; Min. Amount: $5,001+; Finance amount based on individual credit; Vehicles older than 10 model years are financed up to 90% LTV Last Updated 10/13/2026 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 Cars Loan	-	-	6.49%	60 Months
Details As Low As; Min. Amount: $10,001+; Used car loan. 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 Updated 10/13/2026 Rate History 1 change since Oct 9, 2026 · 4.49% → 6.49% ▲ 2.00 pts · high 6.49% / low 4.49% Oct 13, 20266.49%▲ from 4.49% Oct 9, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Used Cars Loan	-	-	6.69%	72 Months
Details As Low As; Min. Amount: $20,001+; Used car loan. 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 Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New Cars Loan	-	-	6.89%	96 Months
Details As Low As; Min. Amount: $40,001+; Effective October 1, 2026; APR = Annual Percentage Rate; actual rate based on individual credit and terms of loan Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Private Party Vehicle Title Sales Loan	-	-	6.99%	48 Months
Details As Low As; Min. Amount: $7,501+; Finance amount based on individual credit; Vehicles older than 10 model years are financed up to 90% LTV Last Updated 10/13/2026 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 Cars Loan	-	-	6.99%	84 Months
Details As Low As; Min. Amount: $30,001+; Used car loan. 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 Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New Trucks & SUVs Loan	-	-	7.39%	Up to 120 Months
Details As Low As; Min Amount: $50,001+; Actual rate based on individual credit and terms of loan; Effective October 1, 2026 Last Updated 10/13/2026 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
Details As Low As; Min. Amount: $10,001+; Finance amount based on individual credit; Vehicles older than 10 model years are financed up to 90% LTV Last Updated 10/13/2026 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
Details As Low As; Min Amount: $40,001+; Actual rate based on individual credit and terms of loan; Vehicles older than 10 model years are financed up to 90% LTV; Effective October 1, 2026 Last Updated 10/13/2026 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
Details As Low As; Min. Amount: $20,001+; Finance amount based on individual credit; Vehicles older than 10 model years are financed up to 90% LTV Last Updated 10/13/2026 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
Details As Low As; Min. Amount: $30,001+; Finance amount based on individual credit; Vehicles older than 10 model years are financed up to 90% LTV Last Updated 10/13/2026 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
New & Used Motorcycles Loan	-	6.49%	36 Months
Details As Low As; Min Amount: $5,001+; Effective October 1, 2026 Last Updated 10/13/2026 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
Details As Low As; Min Amount: $7,501+; Effective October 1, 2026 Last Updated 10/13/2026 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
Details As Low As; Min Amount: $5,001+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New & Used Motorcycles Loan	-	7.49%	60 Months
Details As Low As; Min Amount: $10,001+; Effective October 1, 2026 Last Updated 10/13/2026 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
Details As Low As; Min Amount: $10,001+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New & Used Motorcycles Loan	-	7.69%	72 Months
Details As Low As; Min Amount: $20,001+; Effective October 1, 2026 Last Updated 10/13/2026 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
Details As Low As; Min Amount: $30,001+; Effective October 1, 2026 Last Updated 10/13/2026 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
Details As Low As; Min Amount: $20,001+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan	-	8.49%	84 Months
Details As Low As; Min Amount: $30,001+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan	-	8.99%	96 Months
Details As Low As; Min Amount: $40,001+ Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New & Used RVs & Boats Loan	-	8.99%	84 Months
Details As Low As; Min Amount: $30,001+; Rates listed are as low as. Actual rate based on individual credit and terms of loan. Last Updated 10/13/2026 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
Details As Low As; Min Amount: $50,001+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 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%
Details As Low As; Purchase APR, Balance Transfer APR and Cash Advance APR as low as 9.90%; Delinquent Account APR 15.99%; Annual Fee; Late Payment Fee $15; Grace Period 25 Days Last Updated 10/13/2026 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%
Details As Low As; Max Term: Based on Balance; Table: Personal Lending Last Updated 10/13/2026 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 Other Rates

Product	Rate	Points	APY/APR	Term
Disaster Recovery Loan	-	-	3.99%	12 months
Details As Low As; Max Amount: $5,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Holiday Loan	-	-	5.49%	12 months
Details As Low As; Max Amount: $5,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Line of Credit	-	-	8.99%
Details As Low As; Max Term: Based on Balance; Table: Personal Lending Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Vacation Loan	-	-	5.49%	12 months
Details As Low As; Max Amount: $5,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Christmas	-	-	0.15%
Details Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA	-	-	0.50%
Details Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificates - 12 Months	-	-	3.50%	12 Months
Min Balance $500 Details IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificates - 18 Months	-	-	3.55%	18 Months
Min Balance $500 Details IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificates - 24 Months	-	-	3.60%	24 Months
Min Balance $500 Details IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificates - 3 Months	-	-	2.15%	3 Months
Min Balance $500 Details IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificates - 36 months	-	-	3.65%	36 months
Min Balance $500 Details IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificates - 48 Months	-	-	3.75%	48 Months
Min Balance $500 Details IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificates - 6 Months	-	-	2.65%	6 Months
Min Balance $500 Details IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificates - 60 Months	-	-	3.90%	60 Months
Min Balance $500 Details IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
IRA Certificates - 9 Months	-	-	3.15%	9 Months
Min Balance $500 Details IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Regular Shares	-	-	0.05%
Min Balance $200 Details Balance: $200 minimum average daily balance before dividends can be earned; dividends paid quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Vacation	-	-	0.15%
Details Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Young Adult Shares	-	-	0.10%
Details Dividends paid quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Youth Shares	-	-	0.10%
Details Dividends paid quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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 Name Blue Flame Credit Union Charlotte, NC

Website https://www.blueflamecu.org

Address 2000 Continental Blvd, Charlotte, NC 28273

Phone 704-523-0075

Fax 704-523-8906

President Michael Dyches

CEO Charles Lowe

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.32%

Return on Assets (ROA)

-0.5805%

Return on Equity (ROE)

-5.2572%

Non-Performing Loans Ratio (NPL)

0.19%

Total Assets

30,266,203

Total Amount of Shares and Deposits

26,579,828

Total Shares and Deposits < 1 Year

25,541,565

Total Shares and Deposits 1 3 Years

1,023,155

Total Shares and Deposits > 3 Years

15,108

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

Number of Accounts for Regular Shares

3,143

Non Member Deposits

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.

<a href="https://www.monitorbankrates.com/credit-unions/blue-flame-credit-union-rates-review-63519">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Blue Flame Credit Union Charlotte, NC yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Blue Flame Credit Union Charlotte, NC

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.

Compare to Other Credit Unions

Blue Flame Credit Union Charlotte, NC Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Blue Flame Credit Union Charlotte, NC Texas Ratio

Blue Flame Credit Union Charlotte, NC Health Trend

Blue Flame Credit Union Charlotte, NC CD Rates

Blue Flame Credit Union Charlotte, NC Money Market Rates

Blue Flame Credit Union Charlotte, NC Checking Rates

Blue Flame Credit Union Charlotte, NC Auto Loan Rates

Blue Flame Credit Union Charlotte, NC RV, Boat and Powersport Loan Rates

Blue Flame Credit Union Charlotte, NC Credit Card Rates

Blue Flame Credit Union Charlotte, NC Personal Loan Rates

Blue Flame Credit Union Charlotte, NC Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Blue Flame Credit Union Charlotte, NC earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Blue Flame Credit Union Charlotte, NC

How many branches does Blue Flame Credit Union Charlotte, NC operate?

Is a member application needed to join Blue Flame Credit Union Charlotte, NC?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Blue Flame Credit Union Charlotte, NC offer online and mobile banking?

Current Blue Flame Credit Union Charlotte, NC Rates

Compare to Other Credit Unions