Truliant Federal Credit Union Charlotte logo

Truliant Federal Credit Union Charlotte in Charlotte, NC

4.3/5
Google rating from 167 reviews

Truliant Federal Credit Union's Charlotte University branch offers full-service banking with checking, savings, and member services at a single location in Charlotte, NC.

Data compiled from public sources · Google rating shown when a stored review count is available

Truliant Federal Credit Union Charlotte Review

Truliant Federal Credit Union is a member-owned financial cooperative serving the Charlotte area through multiple branch locations, including the University branch located at 1915 Back Creek Drive. As a credit union, Truliant operates on a not-for-profit basis, returning earnings to members through rate claims to verify and lower fees compared to traditional banks. The organization provides comprehensive banking services including checking and savings accounts, loans, and financial products typical of full-service credit unions serving individuals and families in North Carolina.

The Charlotte University branch offers extended hours and multiple service channels to accommodate member needs. The branch features both lobby and drive-thru services Monday through Friday, with Saturday hours available for weekend banking. Members can access their accounts through ATMs, night depositories, and drive-up options, providing flexibility for those with varied schedules.

Phone support is available at 800-822-0382 for member inquiries and account services. As a credit union rather than a commercial bank, Truliant distinguishes itself through member ownership and mission-driven financial services. The organization serves multiple communities across North Carolina with four additional branches in the Charlotte metropolitan area, including Harrisburg, South End Charlotte, Mint Hill, and Huntersville.

This network provides members with convenient access and local decision-making typical of community-based credit unions. The University branch provides standard banking conveniences but represents a single location within a larger credit union system. Members should review specific product offerings, rates, and fees on the main Truliant website, as the branch page focuses on location services rather than comprehensive product information.

For consumers seeking personalized service and member-owned banking, Truliant offers a traditional credit union alternative to commercial banks.

Services & Features

Change machine
Checking accounts
Drive-thru banking
Drive-up ATM access
Financial consultations
In-branch appointments and consultations
Membership account access
Night depository services
Phone-based member services
Savings accounts

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Extended Friday hours until 6:00 pm and Saturday hours until noon for working members
  • Multiple service channels including drive-thru, drive-up ATM, and night depository for convenience
  • Member-owned credit union structure typically offering rate claims to verify and lower fees than banks
  • Four additional branches in Charlotte metro area (South End, Mint Hill, Huntersville, Harrisburg) for network access
  • Direct phone support at 800-822-0382 for account inquiries and member services
  • Change machine available for member convenience
  • Appointment scheduling available for member consultations

Cons

  • Single location information provided does not detail specific product offerings, rates, or APYs
  • Limited hours compared to some 24/7 banking options (closes at 5pm weekdays, noon Saturday)
  • Website branch page lacks comprehensive information about loan products, credit cards, or investment services
  • No mention of online banking features, mobile app, or digital service capabilities on this branch page
  • Membership eligibility requirements not specified on branch page

State Consumer Finance Context

This is state-level context for Credit Unions consumers in Charlotte, NC. It does not confirm that Truliant Federal Credit Union Charlotte or this specific location is licensed.

State regulator

North Carolina Commissioner of Banks

Key state rules to check

  • Payday lending banned since 2001 when the Check Cashers Act authorization expired.
  • Consumer finance companies limited to 30% APR on loans under $10,000.
  • The North Carolina Consumer Finance Act regulates all licensed consumer lending.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Truliant Federal Credit Union Charlotte offer?

Truliant Federal Credit Union Charlotte offers 10 services including Checking accounts, Savings accounts, Drive-thru banking, Drive-up ATM access, Night depository services, and 5 more.

What profile signals are listed for Truliant Federal Credit Union Charlotte?

Truliant Federal Credit Union Charlotte has profile signals associated with Charlotte-area residents seeking member-owned credit union banking with personal service, Working professionals needing extended weekday hours (until 6pm Friday) and Saturday access, Members preferring local branch relationships over large national banks.

What are the strengths and weaknesses of Truliant Federal Credit Union Charlotte?

Key strengths: Extended Friday hours until 6:00 pm and Saturday hours until noon for working members; Multiple service channels including drive-thru, drive-up ATM, and night depository for convenience; Member-owned credit union structure typically offering rate claims to verify and lower fees than banks. Areas to consider: Single location information provided does not detail specific product offerings, rates, or APYs; Limited hours compared to some 24/7 banking options (closes at 5pm weekdays, noon Saturday).

How does Truliant Federal Credit Union Charlotte compare to similar companies?

In the Credit Unions category, comparable providers include First Community Credit Union - Alief, National Police Federal Credit Union | Chicago, The District Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

CreditDoc Profile Note

Research Note on Truliant Federal Credit Union Charlotte

Truliant Federal Credit Union's Charlotte University branch is profile signals for North Carolina residents seeking traditional credit union banking with member ownership benefits and convenient local access. The main caveat is that this branch location page provides limited information about specific products, rates, and full service offerings—consumers should visit the main Truliant website or contact the branch directly to compare rates and terms against other banking options.

Profile Signals

  • Charlotte-area residents seeking member-owned credit union banking with personal service
  • Working professionals needing extended weekday hours (until 6pm Friday) and Saturday access
  • Members preferring local branch relationships over large national banks
Updated 2026-04-29

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Quick Summary

  • Truliant Federal Credit Union Charlotte is listed as a Credit Unions provider in Charlotte, NC on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
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