Bank Branches › Closed and merged banks › North Carolina › North Carolina Federal Savings and Loan Association
What happened to North Carolina Federal Savings and Loan Association?
North Carolina Federal Savings and Loan Association in Charlotte, NC failed, and North Carolina Savings and Loan Association, F.A. of Charlotte, NC took it over on Mar 2, 1990. After 1 more change of hands, what was North Carolina Federal Savings and Loan Association is today part of First-Citizens Bank & Trust Company (Raleigh, NC).
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1974North Carolina Federal Savings and Loan Association opens in Charlotte, NC
- Mar 2, 1990FAILEDNorth Carolina Federal Savings and Loan Association failed, and North Carolina Savings and Loan Association, F.A. of Charlotte, NC took it over.FDIC certificate 31744 ends; its business continues under certificate 32936.
- Sep 21, 1990RESOLVEDNorth Carolina Savings and Loan Association, F.A. of Charlotte, NC was closed in a federal resolution, and its business passed to First-Citizens Bank & Trust Company of Raleigh, NC.FDIC certificate 32936 ends; its business continues under certificate 11063.
- TodayOPEN
First-Citizens Bank & Trust CompanyMain office Raleigh, NC · FDIC certificate 11063 · 518 offices in 23 states on June 30, 2026Every First-Citizens Bank & Trust Company office → Website on file with the FDIC: www.firstcitizens.com
If you still have something from North Carolina Federal Savings and Loan Association
A lien that was never released
North Carolina Federal Savings and Loan Association failed on Mar 2, 1990, handled by the Resolution Trust Corporation, the agency that closed failed savings institutions from 1989 to 1995. The FDIC's lien-release page covers failed banks and savings and loans placed in FDIC receivership; it does not say how releases work for resolutions this old.
Call FDIC Resolution Inquiries at 888-206-4662 (8am–4pm Central, weekdays) and ask whether the FDIC holds this institution's receivership. Ask First-Citizens Bank & Trust Company as well: the chain above leads there. The FDIC's own instructions are at FDIC, Obtaining a Lien Release.
An old account, passbook or CD
When a healthy bank assumes a failed bank's deposits, insured depositors become its customers right away (here, North Carolina Savings and Loan Association, F.A.). Start with First-Citizens Bank & Trust Company, and ask them to search under the name North Carolina Federal Savings and Loan Association.
This failure is older than the current federal rule on unclaimed deposits (mid-1993), so different rules apply. Search FDIC unclaimed funds search, search the unclaimed-property program of the state of the owner's last known address on the bank's records, and ask FDIC Resolution Inquiries at 888-206-4662 what applies to this institution.
A safe deposit box
The FDIC says that when a healthy bank assumes a failed bank's deposits, the branches usually reopen the next business day with box access. Today, ask First-Citizens Bank & Trust Company. A box abandoned for years may have been turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Banks folded into North Carolina Federal Savings and Loan Association
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| North Carolina Federal Savings and Loan AssociationCharlotte, NC | Jul 31, 1982 |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 31744 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.