If you wish to file a formal complaint, please do so by either one of the following methods:

1. filing online via our website or
2. requesting, completing, and submitting a hard-copy form to be mailed or faxed to us by contacting us at support@nccud.nc.gov or call (984) 275-6730.

Please redact, remove, or mark out any confidential information such as account numbers, social security numbers, etc. prior to sending attachments or supporting documents. 

Once NCCUD receives a completed complaint form either through the website or a hard-copy form via mail or fax, NCCUD will begin a review of your complaint.   Your information may be shared with the credit union as part of the review and investigation process.  NCCUD will respond to you with findings after the review and investigation is completed. 

All North Carolina state-chartered credits are federally insured by the NCUA which provides insurance for accounts such as share drafts, share certificates, and other types of deposit accounts up to $250,000.  For more information, please visit MyCreditUnion.

Contact NCCUD by phone at 984-275-6730 or email your questions to support@nccud.nc.gov.

You can visit www.nmlsconsumeraccess.org, a free service to confirm that the financial services company (credit union, bank, etc.) or professional with whom you wish to conduct business is authorized to do so in your state.

Each state-chartered credit union is required to display at its main office and all branches, copies of its monthly financial statement.  The statement shall be posted in a manner that is accessible for inspection by members.  You may access publicly available call reports, profile reports, and financial performance reports on the NCUA website.

We regulate 28 North Carolina state-chartered credit unions with branches located throughout North Carolina. Please visit our Credit Union Directory for more information.

Each credit union has its own policies and procedures for eligibility and elections for the board of directors and committees.  Board members are elected by the membership at the credit union’s annual meeting, and committee members are appointed by the board.  Please contact your credit union management for information on the nomination and election processes. 

No. Credit unions are owned by their members who are required to have deposits (called "shares") in the credit unions.  Because credit unions are non-profit and member-owned, profits are returned directly to the members instead of outside investors through lower loan rates, higher savings dividends, fewer fees, bonus dividends, and loan interest rebates. 

Credit unions offer members a low-cost alternative to other financial institutions. Historically, credit unions afford their members lower rates on loans, higher rates on savings, and lower fees on financial products. Members' savings in all state-chartered credit unions are protected by federal deposit insurance, through the National Credit Union Administration up to $250,000 per individual depositor.

Members can email the National Credit Union Administration's Office of Consumer Protection (NCUA OCP) consumerassistance@ncua.gov, contact them via telephone at 703-518-6339 or fax 703-518-6682, or visit their website at https://complaint.mycreditunion.gov/Complaint/ to file a complaint.

Members can also submit their complaint to:

NCUA OCP
1775 Duke St.
Alexandria, VA 22315

Yes.  The National Credit Union Administration administers the Share Insurance Fund which protects North Carolina state-chartered credit union member accounts up to $250,000. The Share Insurance Fund has the backing of the full faith and credit of the United States.

Our Credit Union Directory provides a listing of all North Carolina state-chartered credit unions regulated by NCCUD.