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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Mountain Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 9, 2026
Mountain Credit Union's Personal Loan Rates are at 6.99%. MonitorBankRates evaluates the financial stability of Mountain Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.06%. Rates were last updated on 04/09/2026. Mountain Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mountain Credit Union? Share your experience about Mountain Credit Union by leaving a review below, or read customer reviews before you decide to use Mountain Credit Union. Mountain Credit Union
Mountain Credit Union 1700 Russ Ave
https://www.mountaincu.org Waynesville, NC 28786 5807 
Mountain Credit Union Checking Rates
Mountain Credit Union Home Equity & HELOC
Mountain Credit Union Auto Loan Rates
Mountain Credit Union Credit Card Rates
Mountain Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Mountain Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Mountain Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Mountain Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Mountain Credit Union
Website
https://www.mountaincu.org
Address
1700 Russ Ave,
Waynesville, NC 28786 5807
Phone
828-456-8627
Fax
President
Joey Webb
CEO
Amy Woody
Full-Time Employees
76
Part-Time Employees
2
Branch Locations
7
ATM Locations
15
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.06%
Return on Assets (ROA)
0.6500%
Return on Equity (ROE)
5.7757%
Non-Performing Loans Ratio (NPL)
0.81%
Total Assets
359,620,724
Total Amount of Shares and Deposits
317,175,049
Total Shares and Deposits < 1 Year
310,214,558
Total Shares and Deposits 1 3 Years
6,574,085
Total Shares and Deposits > 3 Years
386,406
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
18,356,391
Total Uninsured Shares and Deposits > $250K (F+J)
18,356,391
Total Insured Shares and Deposits > $250K (item 17 less item K)
298,818,658
Total Interest Expense (Sum of items 6 8)
2,386,297
Share Certificates
1,225
Number of Accounts for Share Drafts
21,934
IRA KEOGH Accounts
736
Number of Accounts for Regular Shares
29,424
All other shares
3,650
Money Market Shares
1,085
Net Income (unless the amount is already included in Undivided Earnings)
841,761
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
83,997,009
Total Liabilities
319,484,374
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Mountain Credit UnionIs Mountain Credit Union a safe place to deposit money?Yes, Mountain Credit Union is considered a safe financial institution. With a Texas Ratio of 4.0593532267644%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Mountain Credit Union operate?Mountain Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Mountain Credit Union?Yes, to access services at Mountain Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Mountain Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Mountain Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Mountain Credit Union offer online and mobile banking?Most modern institutions like Mountain Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mountaincu.org. Compare to Other Credit Unions
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