Mountain Credit Union

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 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

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 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 18^th largest credit union in the state of North Carolina. It is also the 927^th largest credit union in the nation. It was established in 1963 and as of March of 2025, it had grown to 77 employees and 30,923 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

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68531
Year Chartered	1963
Employees	77
Primary Regulator

Profit Margin
Return on Assets - YTD	0.73%
Return on Equity - YTD	6.73%
Annual Interest Income	$4.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$356.1MM$341.8MM
Loans	Q1 2025vs Q1 2024	$204.5MM$221.6MM
Deposits	Q1 2025vs Q1 2024	$318MM$303MM
Equity Capital	Q1 2025vs Q1 2024	$38.4MM$35.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.4MM$2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.8MM$1.6MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 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

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 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 Office	3533 US 441 N	Whittier, NC 28789-8735
Branch Office	30 Highway 107	Sylva, NC 28779
Branch Office	1453 Sand Hill Rd	Candler, NC 28715
Branch Office	8005 NC Highway 141	Marble, NC 28905-5520
Branch Office	3270 Hendersonville Rd	Fletcher, NC 28732-9242
Branch Office	746 E Main St	Franklin, NC 28734-2674
Corporate Office	1700 Russ Ave	Waynesville, NC 28786

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