Featured Savings Rates
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Mountain Gem Credit Union

Popular Accounts at this Credit Union

1.00%1-year CD1 Year CD
0.03%SavingsRegular Shares Account
1.35%3-year CD3 Year CD

Overview / Commentary
421 11th Ave S
Nampa, ID 83651

Mountain Gem Credit Union is headquartered in Nampa and is the 26th largest credit union in the state of Idaho. It is also the 3,398th largest credit union in the nation. It was established in 1956 and as of September of 2016, it had grown to 9 employees and 3,294 members at 2 locations. Mountain Gem Credit Union's CD rates are 11% higher than the national average, but it has a C health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Gem, Canyon, Owyhee, Adams, Payette or Washington Counties in Idaho.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Mountain Gem Credit Union has a low asset base.

Health Grade Components

NCUA #65858
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD8.48%
Annual Interest Income$795.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$20.7MM$18.7MM
LoansQ3 2016vs Q3 2015$17.6MM$16.4MM
DepositsQ3 2016vs Q3 2015$18.5MM$16.6MM
Equity CapitalQ3 2016vs Q3 2015$1.7MM$1.6MM
Loan Loss AllowanceQ3 2016vs Q3 2015$192.00K$157.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$175.00K$92.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mountain Gem Credit Union Savings Account Rates

0.30%*$50k*-Member Bonus Accounts
OTHER TIERS: 0.03% $50 - $2,500 | 0.05% $2,500 - $10k | 0.10% $10k - $25k | 0.20% $25k - $50k
0.03%$100-Regular Shares Account
0.03%$100-Holiday Club Account
0.03%$25-Scottie Saver (Kids Account)
0.03%$25-Q-Club (Young Adults 14-24)
0.03%$100-IRA Passbook Account

Mountain Gem Credit Union CD Rates

1.35%$500-3 Year CD
1.25%$500-2 Year CD
1.00%$500-1 Year CD
0.50%$500-6 Month CD

Mountain Gem Credit Union Locations
Branch Office421 11th Ave SNampa, ID 83651
Branch Office1804 N Midland BlvdNampa, ID 83651-1747