Credit Unions in Charlotte, NC
6 member-owned, NCUA-insured credit unions headquartered in or near Charlotte, serving a combined 169,825 members. The largest is Skyla. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Skyla
Charlotte, NC🇺🇸
113,123 members
Credit Unions & BankingView details →Carolinas Telco
Charlotte, NC🇺🇸
31,584 members
Credit Unions & BankingView details →Nova
CHARLOTTE, NC🇺🇸
11,173 members
Credit Unions & BankingView details →Carolina Cooperative
CHARLOTTE, NC🇺🇸
7,860 members
Credit Unions & BankingView details →Blue Flame
Charlotte, NC🇺🇸
3,075 members
Credit Unions & BankingView details →Charlotte Fire Department
Charlotte, NC🇺🇸
3,010 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Charlotte: they are based in or near Charlotte. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Charlotte
11 more credit unions headquartered elsewhere have a branch in Charlotte, NC. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
State Employees'
RALEIGH, NC🇺🇸
2,998,339 members
Credit Unions & BankingView details →American Airlines
Fort Worth, TX🇺🇸
374,627 members
Credit Unions & BankingView details →Civic
RALEIGH, NC🇺🇸
336,107 members
Credit Unions & BankingView details →Truliant
Winston Salem, NC🇺🇸
328,760 members
Credit Unions & BankingView details →Founders
Lancaster, SC🇺🇸
294,048 members
Credit Unions & BankingView details →Allegacy
Winston Salem, NC🇺🇸
187,784 members
Credit Unions & BankingView details →Advancial
Dallas, TX🇺🇸
142,749 members
Credit Unions & BankingView details →Latino Community
Durham, NC🇺🇸
124,269 members
Credit Unions & BankingView details →Self-Help
DURHAM, NC🇺🇸
101,911 members
Credit Unions & BankingView details →Sharonview
Fort Mill, SC🇺🇸
81,582 members
Credit Unions & BankingView details →Piedmont Advantage Credit Union
Winston Salem, NC🇺🇸
27,002 members
Credit Unions & BankingView details →- State Employees' — branches: 4720 AIRPORT CENTER PKWY CHARLOTTE, NC 28208; 6630 EXECUTIVE CIR CHARLOTTE, NC 28212; 4819 PARK RD CHARLOTTE, NC 28209; 10820 S TRYON ST CHARLOTTE, NC 28273; 1130 E 3RD ST CHARLOTTE, NC 28204; 8605 UNIVERSITY CITY BLVD CHARLOTTE, NC 28213; 1720 OAKHURST COMMONS DR CHARLOTTE, NC 28211; 10120 COULOAK DR CHARLOTTE, NC 28216; 10910 ARDREY KELL RD CHARLOTTE, NC 28277; 11225 GOLF LINKS DR N CHARLOTTE, NC 28277
- American Airlines — branches: 5501 Josh Birmingham Pkwy CLT Airport Baggage Level Charlotte, NC 28208-5750; 4800 Hangar Rd CLT Training Center Charlotte, NC 28208-7318
- Civic — branch: 9605 N Tryon St Ste Q Charlotte, NC 28262-8572
- Truliant — branches: 1915 Back Creek Dr Charlotte, NC 28213; 4530 Park Rd Ste 110 Charlotte, NC 28209; 2400 South Blvd ste 102 Charlotte, NC 28203; 7107 Waverly Walk Ave Unit A1 Charlotte, NC 28277; 14154 Steele Creek Rd Charlotte, NC 28273-4374
- Founders — branches: 11115 S Tryon St Charlotte, NC 28273; 800 E Arrowood Rd Charlotte, NC 28217-5811
- Allegacy — branches: 100 Queens Rd Charlotte, NC 28204; 3021 Prosperity Church Rd Charlotte, NC 28269
- Advancial — branch: 7521 Pineville Matthews Rd Charlotte, NC 28226
- Latino Community — branches: 2510 Vista Dr Charlotte, NC 28212-6253; 3130 Milton Rd Charlotte, NC 28215; 5910 South Blvd Charlotte, NC 28217; 8601 University City Blvd Charlotte, NC 28213-3583
- Self-Help — branches: 1065 Providence Rd Charlotte, NC 28207-2568; 431 Beatties Ford Rd Charlotte, NC 28216
- Sharonview — branches: 7422 Carmel Executive Park Dr Ste 100 Charlotte, NC 28226-0426; 4418 Park Rd Charlotte, NC 28209; 10922 S Tryon St Ste A Charlotte, NC 28273-4152; 8944 J M Keynes Dr Ste 320 Charlotte, NC 28262
- Piedmont Advantage Credit Union — branch: 2830 Boyer St Charlotte, NC 28208
How to join a credit union in North Carolina
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Charlotte or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Charlotte — common questions
How many credit unions are in Charlotte?
6 member-owned, NCUA-insured credit unions are headquartered in or near Charlotte, North Carolina, with a combined 169,825 members. The largest is Skyla.
Are these the closest credit unions to me in Charlotte?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Charlotte, geocoded to the city. The second list adds 11 more credit unions headquartered elsewhere that NCUA shows with a branch in Charlotte, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Charlotte?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in North Carolina accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Charlotte?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.