Mountain Laurel

413 S MICHAEL ST, PO BOX 193, Saint Marys, PA 15857

NCUA Insured3.0 (13 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1970

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

Membership Eligibility

Anyone who lives, works, or worships in or around Saint Marys, PA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1970

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

413 S MICHAEL ST, PO BOX 193

Saint Marys, PA 15857

Google Maps 🗺Waze

(814) 834-9518

Service Area

This credit union is located in Saint Marys and serves members in the PA area. Currently serving 17,975 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

6.59%

Used Auto Loan

6.70%

Personal Loan

7.13%

Credit Card APR

12.90%

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 PA

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

Fort Ligonier— New Auto Loan

Jerome, PA

3.22%

Ingersoll-Rand— Used Auto Loan

Sayre, PA

0.95%

Mckeesport Congregational— Personal Loan

Mckeesport, PA

6.00%

New Cumberland— Credit Card APR

New Cumberland, PA

6.90%

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

Branches & Locations(6 total)

Member Reviews

3.0

13 Google reviews

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

View on Google Maps

2 years ago

These people are extremely incompetent, they don't follow proper banking protocols. Not to mention the rude personalities (St.Marys). Take your business to Warren MFCU or Bradford, it's worth the travel. No stars is more accurate.

Adam Fox

6 years ago

Best rates on used and new. I have been with MLFCU for years and if I need a loan this is the best place to start. Service has been great. I wish they had a branch in Dubois, PA.

Dan B

4 years ago

They said I am obligated to make a monthly payment on my car loan that I've had for 13 months. Well on a $10k, 5 yr loan at $170/mo., I owe $5.2k and at least 3 months in advance on payments, besides making payments on principle. But if I don't make a monthly payment (which was due Sept. 1st) I'm behind? I guess you don't need an education to work there. Unfortunately, I cant give zero stars.

Sydney Schreckengost

8 years ago

Found out *six hours* after a power outage took out their system, when my card wouldn't work when I went to get groceries. Found out because of a post on Facebook, rather than because they made an effort to inform me, or even put it on their website. Would not recommend.