Credit union · NCUA insured
Mountain Credit Union
Top CarrotA $370.2M credit union headquartered in Waynesville, NC, with 31,225 members and 7 branches in North Carolina. Best rates: CDs 3.64% and savings 1.25% APY.
Mountain Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#5 of 18 in Asheville, NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mountain Credit Union
Mountain Credit Union has been serving Western North Carolina since 1963.
- Headquarters
- 1700 Russ Ave, Waynesville, NC 28786
- NCUA charter
- 68531
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in specific North Carolina counties are eligible for membership.
- Anyone living or working on the Cherokee Indian Reservation is eligible to join.
Military, government and schools
- Federal employees located in 20 western counties of North Carolina or field personnel paid from headquarters offices in those counties are eligible to join.
Family and household
- Family members of any current or former Mountain Credit Union account holder are eligible to open an account.
Branches
7 branches in North Carolina
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North Carolina
7 branches
Asheville area · 2
- Mountain Credit Union1453 Sand Hill Rd, Candler, NC 28715Directions
- Mountain Credit Union3270 Hendersonville Rd, Fletcher, NC 28732Directions
Waynesville area · 1
- Mountain Credit UnionMain office1700 Russ Ave, Waynesville, NC 28786Directions
Franklin area · 1
- Mountain Credit Union746 E Main St, Franklin, NC 28734Directions
Marble area · 1
- Mountain Credit Union8005 NC Highway 141, Marble, NC 28905Directions
Sylva area · 1
- Mountain Credit Union30 Highway 107, Sylva, NC 28779Directions
Whittier area · 1
- Mountain Credit Union3533 US-441 N, Whittier, NC 28789Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.22% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.67% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.59% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $65 | $76 | — |
- CapitalNet worth ratio11.22%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.67%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.59%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$65Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Mountain Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.