Credit union · NCUA insured
Mountain Credit Union Savings Rates
Top CarrotMountain Credit Union’s best savings rate is 1.25% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Mountain Credit Union’s savings 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
1.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $125
Money Market Account
Top rate
Skyla Credit Union
4.01%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $401
2nd-highest rate
Movement Bank
3.05%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $305
Mountain Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.25%APY
Monthly dividend payments; access to funds without penalty at any time.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $5,000Dividends paid monthly. | 1.00% | — | Dividends paid monthly. |
| $5,000 – $25,000Dividends paid monthly. | 1.25% | $125 | Dividends paid monthly. |
| $25,000 and upDividends paid monthly. | 1.50% | — | Dividends paid monthly. |
Sources (2)
All captured Oct 4, 2026
Credit Card Secured
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Minimum to earn dividends is $0.00.Any balance | 0.20% | $20 | Dividends paid quarterly. Minimum to earn dividends is $0.00. |
Sources (1)
- mountaincu.org/rates/deposits · captured Sep 19, 2026
Main Share
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly. Minimum to earn dividends is $100.00.$100 and up | 0.20% | $20 | Dividends paid quarterly. Minimum to earn dividends is $100.00. |
Sources (1)
- mountaincu.org/rates/deposits · captured Sep 19, 2026
Sub Share
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Minimum to earn dividends is $0.00.Any balance | 0.20% | $20 | Dividends paid quarterly. Minimum to earn dividends is $0.00. |
Sources (1)
- mountaincu.org/rates/deposits · captured Sep 19, 2026
Special-purpose accounts
Health Savings Account
2.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 2.25% | $225 | Dividends paid quarterly. |
Sources (1)
- mountaincu.org/rates/deposits · captured Sep 19, 2026
Individual Retirement Account
2.25%APY
Available as Traditional, Roth, and Coverdell ESA (Education Savings Account) IRAs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Covers Traditional IRA, Roth IRA, and Education IRA.Any balance | 2.25% | $225 | Dividends paid quarterly. Covers Traditional IRA, Roth IRA, and Education IRA. |
Christmas Club
0.20%APY
Funds are automatically transferred to your savings or checking account in early October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Minimum to earn dividends is $0.00.Any balance | 0.20% | $20 | Dividends paid quarterly. Minimum to earn dividends is $0.00. |
Sources (2)
All captured Sep 19, 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.