Charlotte Metro Credit Union (Company)
· Insured by NCUA
Unaffiliated Learn More

Charlotte Metro Credit Union (Company)

· Insured by NCUA
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Charlotte Metro Credit Union Review

Charlotte Metro Credit Union was founded in 1962 and is based in Charlotte, NC.

Learn more about Charlotte Metro Credit Union and its products by browsing the services it offers. You can also read our community reviews and hear what others have to say about their experience with Charlotte Metro Credit Union.

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Message From Charlotte Metro Credit Union

Charlotte Metro is rooted in the Carolinas. Founded in 1962 by Charlotte’s first traffic engineer, Herman J. Hoose, Charlotte Metro was originally named Charlotte City Employees Credit Union. Can you guess who joined? Charlotte city employees. In the 1970’s, Charlotte City Employees Credit Union doubled in assets to nearly $6 million. In 1983, membership was expanded from Charlotte city employees to include the Charlotte transit and local housing authority, prompting a name change to Charlotte City Credit Union. In 1984, construction of a new branch and headquarters began at 718 Central Avenue, which is still our main branch and headquarters today. To fund the building, the “Square Footer Club” was created. This program offered a high rate of return on certificates of deposit, encouraging additional memberships and deposits. This initiative kicked off our now well-known inclination toward innovation in financial product development and service delivery excellence. In 1985, membership was again expanded to include Mercy Hospital employees and, in 1989, Presbyterian Hospital. Also in 1985, Charlotte City Employees Credit Union merged with Mecklenburg County Credit Union, which added Carolinas Medical Center employees, bringing total membership to nearly 8,500. In 1986, Charlotte City Credit Union became Charlotte Metro Credit Union. We became a community chartered financial institution in 2001 and received our federal charter in December of 2008. Finally in 2015 – Charlotte Metro’s request to expand its field of membership to nine additional counties was approved. In addition to Mecklenburg, CMCU can now serve members in Union, Cabarrus, Gaston, Iredell, Rowan, Lincoln, York, Chester and Lancaster counties.

At Charlotte Metro, our mission is simple – helping members prosper. Not some members – ALL members! What you really want to know is can we handle your banking needs? Of course! We are your partner for financial growth and management, making your money work harder for you with smarter, less complicated, and readily available tools and services. What sets us apart is how vested we are in the community – we’re local people benefiting local people. Our goals revolve around you. At Charlotte Metro, we were founded on the principle of equality – and that still rings true today! Our credit union team and members include people of all races, religions, cultures, physical abilities, sexual orientations, and gender identity or expressions. Together, we are the community we serve. And we believe that a community is strongest when there is diversity, equality, and inclusion. Stronger leaders. Stronger coworkers. Stronger friends.What does that mean? If you live in an area or work for an employer that qualifies you for a Charlotte Metro membership. If not – no worries! You’re eligible to join via our partner association – the NC Consumers Council. The best part? It’s at no cost or obligation to you.


Hours of Operation

Eastern Time
  • Sunday Closed
  • Monday 9:00am - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 9:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

Services Offered by Charlotte Metro Credit Union

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