Credit union · NCUA insured
MountainCrest Credit Union
A $154.8M credit union headquartered in Arlington, WA, with 10,342 members and 2 branches in Washington. Best rates: CDs 3.30% and savings 0.30% APY.
MountainCrest Credit Union Carrot Score
63
Carrot Score
Higher than 9% of U.S. banks and credit unions
#54 of 62 in Seattle, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MountainCrest Credit Union
MountainCrest Credit Union is a member-owned financial cooperative that has served its community in Washington for over 90 years.
The credit union serves communities including Arlington, Everett, and Marysville in Washington.
- Headquarters
- 3710 168th St NE Ste A108, Arlington, WA 98223-8462
- NCUA charter
- 68253
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This may be incomplete or out of date, so check with the credit union before you apply.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, or worship in Washington state are eligible to join MountainCrest Credit Union.
Family and household
- Extended family members of eligible individuals—including spouses, children, grandchildren, parents, grandparents, sisters, brothers, and their families—are eligible for membership.
Cost to join
- Opening an account requires a minimum initial deposit of $5.
Branches
2 branches in Washington
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Washington
2 branches
- Arlington BranchMain office3710 168th St NE, Ste A108, Arlington, WA 98223Directions
- Everett Branch1328 Broadway, Everett, WA 98201Directions
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 | 14.42% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.22% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.99% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $75 | $76 | — |
- CapitalNet worth ratio14.42%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.22%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.99%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$75Peers’ 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 MountainCrest Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.