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Mountain

1700 Russ Ave, Waynesville, NC 28786
NCUA Insured4.0 (96 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1963

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1700 Russ Ave

Waynesville, NC 28786

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(828) 456-8627

Service Area

This credit union is located in Waynesville and serves members in the NC area. Currently serving 31,129 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

9.10%

Used Auto Loan

8.73%

Personal Loan

9.56%

Credit Card APR

13.40%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NC

Lowest rates currently reported by credit unions in NC (NCUA Q4 2025).

Self-Help— New Auto Loan

Durham, NC

2.49%
Internal Revenue Employees— Used Auto Loan

Greensboro, NC

2.90%
First Carolina People'S— Personal Loan

Goldsboro, NC

8.00%
First Carolina People'S— Credit Card APR

Goldsboro, NC

8.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

4.0

96 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Robert Pilcher

Robert Pilcher

5 months ago

Was the first ever recipient of a construction loan from MCU. Josh Farmer made the process from beginning to end (over a year) an easy one. The team worked as if they had done this for years and worked with the contractor and myself closely throughout the project.

Seth Henson

Seth Henson

a year ago

Recently took out a mortgage loan through Mountain Credit Union and they were great throughout the whole process. Couldn’t say enough good things about them! They made the process about as smooth as I could imagine. Highly recommend! Josh and Karen, thanks so much!

R Engblom

R Engblom

2 years ago

Mountain credit union is the best ever. I had a scam that got my credit card and Ryan took great care of this problem for me. I was so stressed out over it. But he had it took care of in just minutes. Reported it to better business bureau and is sending me my new card. I now have peace of mind knowing that this taken care of. It pays to have a good place to keep your money and have security knowing it is being taken care of. Thank you so much Mountain Credit Union For Great service and my peace of mind knowing you have my personal interest number 1 priority.

G Au

G Au

a year ago

This institution is awful. There ATM is regularly down and customer service rep Nancy is not helpful at all. I called about getting the member number and could not over the phone to log into there online app which if it wasn't rest by the institution would not have been an issue. Do yourself a favor and go to United Bank good people and way more helpful than any staff member has ever been at Mountain Credit Union terrible customer service!!! I wish o could give them a zero.

Sean Telfer

Sean Telfer

a year ago

Have been banking with MCU since 2001. This is the 4th time my card has had fraudlent charges from out of it and I have had to shut my card down and get a new one. I don't know if this bank has had data breaches or what. But I'm in the process of looking for a new bank. In this day and age it's nearly impossible to not attach your card to bills to be auto drafted out of the account. Seems to be a recurring issue with fraudulent charges. Not happy.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).