Credit union · NCUA insured
Mountain Credit Union Credit Card Rates
Top CarrotMountain Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Mountain Credit Union’s credit card rates compare
Compared with banks and credit unions near Asheville, NC, where Mountain Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Mountain Credit Union
9.99%APR
Mastercard Credit Card
2nd-lowest rate
Champion Credit Union
10.00%APR
3rd-lowest rate
Telco Community Credit Union
10.90%APR
Mountain Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mountain Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
MasterCard Credit Builder Secured Credit Card
Credit limits up to $5,000. Cash advances available. Members must maintain the credit limit in a secured savings account, and after 12 months of responsible use, may qualify for MCU's Mastercard Credit Card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.99% | None | Fixed interest rate. Credit limits up to $5,000. Cash advances available. Members must maintain the credit limit in a secured savings account. Rates and terms subject to credit approval. |
Mastercard Credit Card
Credit limits up to $25,000. Cash advances available. No annual fee. Rates and terms are subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Fixed interest rate as low as 9.99% APR. Credit limits up to $25,000. Cash advances available. Rates and terms are subject to credit approval. |
Sources (3)
- mountaincu.org/promotions/loan…redit-cards/credit-cards
- mountaincu.org/rates/loans
- mountaincu.org/loans/credit-cards
All captured Oct 4, 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This may be incomplete or out of date, so check with the credit union before you apply.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.