At a glance
From its website, read 2 Nov 2026Bragg Mutual FCU is a credit union based in Fayetteville, North Carolina. Its website describes auto loans. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (910) 222-1500 source |
|---|---|
| Website | www.braggmutual.org |
| Office (official list) | 2917 Village Drive, Fayetteville, NC 28304 |
What their website says about applying
Apply for pre-approval before heading to the dealership, or let them know you want to finance through Bragg Mutual FCU when you’re ready to sign.
sourceGet preapproved in minutes and start your vehicle search with confidence.
sourceHead to our Online Mortgage Center now for all BMFCU Mortgage resources.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Term: see their wording | Terms Up to 72 Months for Used Vehicles | source |
| Auto / vehicle loans | Term: see their wording | Terms Up to 84 Months for New Vehicles | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
Members with limited or imperfect credit histories are still encouraged to apply
source - No or thin credit history considered
Even if you have limited credit history, we’ll work with you to get you into a reliable vehicle with terms you can afford.
source - Collateral flexible or not always required
And no collateral required.
source - Membership required
The credit union may make loans to members for provident, business or productive purposes in accordance with applicable law and regulations.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 20 Jul 2026 |
| RSSD ID | 454283 |
| Address | 2917 Village Drive, Fayetteville, NC 28304 Directions (Google Maps) |
| Website | www.braggmutual.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No loan amount ranges are stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Drive away with competitive rates, flexible terms, and local service you can count on. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.braggmutual.org/
- https://www.braggmutual.org/loans/auto-loans/
- https://www.braggmutual.org/loans/personal-loans/
- https://www.braggmutual.org/loans/home-real-estate-loans/
- https://www.braggmutual.org/auto-loans/
- https://www.braggmutual.org/about/your-credit-union/
- https://www.braggmutual.org/category/personal-finance/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as BRAGG MUTUAL (charter 7955). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $131.1 million (as of 30 Jun 2026) |
|---|---|
| Members | 9,157 (as of 30 Jun 2026) |
| Offices | 4 (as of 30 Jun 2026) |
Offices by state and county (4)
North Carolina (4 offices)
- Cumberland County (2): 2917 Village Dr, Fayetteville 28304 (main office); 1638 Owen Dr Fl 1, Fayetteville 28304
- Duplin County (1): 174 Liberty Square Shopping Center, Kenansville 28349
- Harnett County (1): 1570 Nc Hwy 24/87, Cameron 28326
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Bragg Mutual FCU (NCUA charter 7955, filed as “BRAGG MUTUAL”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $89.6 million, 4,993 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 26.0% from $71.1 million on 30 Jun 2025 |
| Members | 9,157 (as of 30 Jun 2026); 9,605 (as of 30 Jun 2025) |
| Loans per member | $9,785 (total loans divided by members, 30 Jun 2026) |
| Total assets | $131.1 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $7.4 million | 8.3% |
| Used vehicle loans | $7.9 million | 8.8% |
| First-lien home mortgages (1-4 family) | $31.5 million | 35.2% |
| Other real estate loans (junior liens, other) | $16.6 million | 18.5% |
| Commercial (business) loans | $13.3 million | 14.8% |
| Credit cards | $1.3 million | 1.5% |
| Other unsecured loans | $3.5 million | 3.9% |
| Leases and other secured loans | $8.1 million | 9.1% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $131.1 million | Larger than 44% of the 9 other certified credit unions in North Carolina (median $1.04 billion). |
| Loans as a share of assets | 68% | Median of the same 9 credit unions: 77%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $71.1 million → $89.6 million (+26%) | Median change of 9 other certified credit unions in North Carolina: +2%. Rank by loans held among these 10: 7 → 6. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in North Carolina | 9 | larger than 44% |
| Loans held then vs now | certified credit unions in North Carolina reporting both dates | 9 | rank 7 → 6 of 10 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Fayetteville and North Carolina
- Business Expansion Funding CorporationLoan fund · Charlotte, NCSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- CAHEC Capital, Inc.Loan fund · Raleigh, NCAffordable housing development loansVerified
- Cares Project, Inc., TheLoan fund · Winston Salem, NCAuto / vehicle loansVerified
- Carolina Small Business Development Fund (The Support Center)Loan fund · Raleigh, NCMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Institute Capital, Inc.Loan fund · Durham, NCAffordable housing development loans, Small-business loansVerified
- Latino Community Credit UnionCredit union · Durham, NCAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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