Mountain Credit Union Will Continue To Provide Financial Services To Our Members
Message From Patty Idol, President/CEO of Mountain Credit Union:

I want to assure our members that as an integral part of the Western North Carolina community, we are prepared to provide assistance with your financial needs and are taking steps to avoid potential disruptions of service to our members. We will continue to stay abreast of recommendations or mandates from Health Officials, the North Carolina Credit Union Division, the National Credit Union Administration, and the North Carolina Governor's Office.

As of Friday, March 20, in order to minimize potential exposure to our staff and members, we closed all Mountain Credit Union lobbies. All financial transactions are now being processed through the drive-thru window or via electronic and remote channels. If you need assistance please call your local branch or submit your contact information by clicking on the orange tab below. A Mountain Credit Union representative will contact you no later than the next business day.

A reminder to you - your money is safe at Mountain Credit Union. Mountain Credit Union is financially secure and all deposits are insured up to $250,000.00 by the National Credit Union Administration (NCUA). While we could never have envisioned this scenario we are prepared financially and operationally with a formal Business Continuity Plan. We have invested in state-of-the-art technology to continue to provide services to you remotely as long as necessary. We hope to get back to normal as quickly as possible.


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Electronic Options For Accessing Your Mountain Credit Union Account
Rest assured that all direct deposits and pre-authorized debits will continue to be posted as scheduled.
If you are not enrolled in MCU Online and you are in need of a loan or other services, please click on the link to the left and submit your contact information. A representative will contact you no later than the next business day.
  • MCU Online is our online banking platform. Sign in securely with your secure USER ID and password. MCU Online will allow you to view balances and transaction history, access statements, transfer funds, make payments, and apply for loans. MCU Online is available on your desktop or mobile device.

  • MCU OnCall is our audio response line. Sign in securely with your secure USER ID and password to check balances, hear transaction history, transfer funds, and make payments. You can access MCU OnCall when you dial: 877-699-6328 or 828-456-6474

  • BillPay is a platform within MCU Online that will allow you to pay bills electronically. You can choose to pay a one time bill or set up recurring payments.

  • MCU Mastercard Debit Card allows you to withdraw funds from an ATM or use to purchase items at any merchant that accepts Mastercard. The funds will be debited directly from your checking account. Mountain Credit Union Mastercard Debit Cards are available for Instant Issue at all of our offices and can be delivered to you through our drive-thru windows.

  • MCU Mastercard Credit Card provides purchases or cash advances with monthly payback terms.

  • Snap-A-Check allows you to take a photo of a check and submit to Mountain Credit Union for deposit.

  • ATMs are located at each of our offices. ATMs at all offices will dispense cash. The ATM at our Waynesville facility will dispense cash and accept deposits.

  • Drop Boxes are available at all of our offices with the exception of Waynesville. The drop-box is in the drive-thru window area and documents or payments can be left in the drop box 24 hours a day/7 days a week.
  • MCU Mobile is a mobile app that can be accessed from your mobile device. Sign in securely with your USER ID and password. MCU Mobile will allow you to view balances, transaction history, transfer funds, and make payments.