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Mountain Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.mountaincu.org
828-452-2216
1700 Russ Avenue
Waynesville, NC 28786

Mountain Credit Union is headquartered in Waynesville and is the 18th largest credit union in the state of North Carolina. It is also the 931st largest credit union in the nation. It was established in 1963 and as of December of 2024, it had grown to 79 employees and 30,856 members at 7 locations. Mountain Credit Union has an A health rating.

Field of Membership Restrictions

Mountain Credit Union is open to those who live, work, worship, or attend school in the North Carolina counties of Buncombe, Cherokee, Clay, Graham, Haywood, Henderson, Jackson, Macon, Madison, McDowell, Swain, or Transylvania, or those who live or work on the Cherokee Indian Reservation. Membership is also open to all federal employees located in 20 western counties of North Carolina, including field personnel paid from an office located in those counties, and to immediate family of current members.
See current membership details

Reviews

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68531
Year Chartered1963
Employees79
Primary Regulator
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD7.32%
Annual Interest Income$17.5MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$348MM$341MM
LoansQ4 2024vs Q4 2023$208.4MM$222.7MM
DepositsQ4 2024vs Q4 2023$309.8MM$303.2MM
Equity CapitalQ4 2024vs Q4 2023$37.8MM$35.1MM
Loan Loss AllowanceQ4 2024vs Q4 2023$2.4MM$1.9MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$1.7MM$1.3MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Rates for Mountain Credit Union are currently being reviewed.

Locations


Mountain Credit Union Locations
Branch Office3533 US 441 NWhittier, NC 28789-8735
Branch Office30 Highway 107Sylva, NC 28779
Branch Office1453 Sand Hill RdCandler, NC 28715
Branch Office8005 NC Highway 141Marble, NC 28905-5520
Branch Office3270 Hendersonville RdFletcher, NC 28732-9242
Branch Office746 E Main StFranklin, NC 28734-2674
Corporate Office1700 Russ AveWaynesville, NC 28786

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