Blue Flame

PO Box 12400, Charlotte, NC 28220

NCUA Insured4.5 (21 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Charlotte, NC may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 12400

Charlotte, NC 28220

Google Maps 🗺Waze

(704) 523-0075

Service Area

This credit union is located in Charlotte and serves members in the NC area. Currently serving 2,971 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.59%

Used Auto Loan

5.59%

Personal Loan

8.99%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NC

Lowest rates currently reported by credit unions in NC (NCUA Q4 2025).

Self-Help— New Auto Loan

Durham, NC

2.49%

Internal Revenue Employees— Used Auto Loan

Greensboro, NC

2.90%

First Carolina People'S— Personal Loan

Goldsboro, NC

8.00%

First Carolina People'S— Credit Card APR

Goldsboro, NC

8.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.5

21 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Katie Yanulis - Tillman

7 months ago

Very disappointing, was simply looking to establish a savings account but they require proof of residency by means of a utility bill. They do not accept pay stubs showing proof of residency, they do not accept renters insurance that shows proof of residency or even phone bills. It pretty much has to be a utility bill or internet bill or your W2 which has to be the current address. So even if your trying to apply before you recieve your W2 and it isn't up to date with the current address then this also will be deined. If you do not have any of these things in your name specifically, then your most likely going to be denied through the application process. This company makes it very hard for people in the Mecklenburg community who are simply trying to start a savings account without certain bills listed in their name, even though technically there is proof of residency in other areas. Don't waste your time.

Levon Jones

2 years ago

One of the best experiences I’ve ever had with a credit union. The staff is very helpful and friendly. You will always be greeted with a smile. Stephanie Harrison is simply the best with loans and made buying a car a seamless process. I would highly recommend Blue Flame for all of your banking needs. No long wait times and a phenomenal staff ⭐️⭐️⭐️⭐️⭐️

Shalini Sounderrajan

2 years ago

Had a great experience with Blue Flame CU from account opening to car loan funding. Loan rate was unbeatable. It was always easy to get a response from someone either by phone or email and each person was so helpful and made the process simple. It's like a hidden gem for Mecklenburg County.

Sergio Villanueva

2 years ago

AWESOME FROM DAY ONE! I chose to open on the Internet and so far BFCU has exceeded my expectations through and through. Free financial services, friendly people, easy branch access from my home in Belmont, NC? Score!!

Kay Klem

3 years ago

It is hard to describe the level of professionalism, efficiency and values held by everyone at Blue Flame. Lending, deposits or general involvement with the community – you are sure to be as pleased with the bank as I have been.