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What is a Credit Union?
  A message from CMCU's President  

Welcome to Charlotte Metro

At Charlotte Metro Federal Credit Union our mission statement is simple: to be the trusted not-for-profit financial services leader exceeding community expectations by helping people prosper.

How is Charlotte Metro different than the big banks? A credit union is a not-for-profit cooperative owned, governed by, and for the benefit of, its members. Unlike banks that serve shareholders by providing services to customers, our members are both our customers and our shareholders. When you become a member of a credit union, you automatically become a shareholder.

If you don't already know about Charlotte Metro, I hope you'll take a moment to get to know us a little better. We are your personal solution for all your banking needs and I invite you to experience the positive difference Charlotte Metro Federal Credit Union can make in your life.

I'm sure you'll be glad you did.

Bob Bruns, President,
Charlotte Metro Federal Credit Union

  Have you ever wondered?  

What is a credit union? Is it like a bank? Can I join a credit union? Believe it or not, these are all really good questions. And the answers may just surprise you.

What Is A Credit Union?

The technical term for a credit union is not-for-profit cooperative financial institution. But in reality, credit unions are much like the banks you see every day.

In addition to loans and mortgages they also offer checking, savings and investment accounts. Many also have cutting edge products like online banking, Internet bill pay and electronic statements.

A credit union is ultimately managed by a volunteer board of directors, elected by the general membership, which hires and manages a team of financial professionals to oversee the credit union's day-to-day operations.

Is It Like A Bank?

In a lot of ways, credit unions are indeed like banks. They offer many of the same services and each depositor is insured up to $250,000 by the NCUA, a federal agency. In fact, Charlotte Metro Federal Credit Union depositors have an additional $250,000.00 of private insurance for their deposits for a total of $500,000 in coverage.

Can I Join A Credit Union?

For many years, credit unions were open to membership only to people who worked for specific employers like city governments, hospitals or railroads. This was because the credit union was chartered to those employers.

Today, some credit unions are chartered to communities rather than employment groups. So if you live or participate in that community in any way, you are eligible for membership in a credit union chartered to that community.

Charlotte Metro is chartered to Cabarrus, Gaston, Iredell, Lincoln, Mecklenburg, Rowan, and Union Counties in North Carolina; and York, Lancaster, and Chester Counties in South Carolina. And if you live, work, attend school or go to church in any of those communities, we’d love to have you as a member.

You Can Apply Online

With Charlotte Metro's online account opening, you can apply right now. Online! Simply click the blue "Apply Now" button below to go to our online account opening page.

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