Credit union · NCUA insured
Mountain Credit Union CD Rates
Top CarrotMountain Credit Union’s best CD rate is 3.64% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Mountain Credit Union’s CD rates compare
Compared with banks and credit unions near Asheville, NC, where Mountain Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mountain Credit Union
3.64%APY
- Term
- 6 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $180
6 Month Certificate
Top rate
Skyla Credit Union
4.50%APY
- Term
- 21 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $801
2nd-highest rate
Civic Federal Credit Union
4.30%APY
- Term
- 17 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $615
Mountain Credit Union CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo3.64%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo3.64%
- 31–60 months31–60 mo3.54%
- QualifiedQualified3.64%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Mountain Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
24 Month Certificate
3.64%APY · 1 term
Dividends paid monthly. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsDividends paid monthly. Rates subject to change without notice | 3.64% | $741 |
Sources (1)
- mountaincu.org/rates/deposits · captured Oct 22, 2026
6 Month Certificate
3.64%APY · 1 term
Dividends paid monthly. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid monthly. Rates subject to change without notice | 3.64% | $180 |
Sources (1)
- mountaincu.org/rates/deposits · captured Oct 22, 2026
18 Month Certificate
3.54%APY · 1 term
Dividends paid monthly. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsDividends paid monthly. Rates subject to change without notice | 3.54% | $536 |
Sources (1)
- mountaincu.org/rates/deposits · captured Oct 22, 2026
36 Month Certificate
3.54%APY · 1 term
Dividends paid monthly. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsDividends paid monthly. Rates subject to change without notice | 3.54% | $1,100 |
Sources (1)
- mountaincu.org/rates/deposits · captured Oct 22, 2026
48 Month Certificate
3.49%APY · 1 term
Dividends paid monthly. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsDividends paid monthly. Rates subject to change without notice | 3.49% | $1,471 |
Sources (1)
- mountaincu.org/rates/deposits · captured Oct 22, 2026
60 Month Certificate
3.40%APY · 1 term
Dividends paid monthly. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsDividends paid monthly. Rates subject to change without notice | 3.40% | $1,820 |
Sources (1)
- mountaincu.org/rates/deposits · captured Oct 22, 2026
SAVE Certificate
3.40%APY
Dividends paid monthly. Rates subject to change without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid monthly. Rates subject to change without notice.$25 and up | 3.40% | $340 | Dividends paid monthly. Rates subject to change without notice. |
Sources (1)
- mountaincu.org/rates/deposits · captured Oct 22, 2026
12 Month Certificate
3.35%APY · 1 term
Dividends paid monthly. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends paid monthly. Rates subject to change without notice | 3.35% | $335 |
Sources (1)
- mountaincu.org/rates/deposits · captured Oct 22, 2026
Who can join Mountain Credit Union
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.
Membership information collected October 4, 2026.