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Weather Alert: Due to weather conditions, all branches will open at 12 PM and close at 4 PM on Monday, February 2. Some locations will be drive through only. Please plan ahead and use Online/Mobile Banking and ATMs when available. Stay safe.

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Budget Boost

Our Tax Loan makes it easier to manage bills, refunds, and unexpected costs.

Learn More about tax loans.

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Local Help, Big Savings

Our mortgage experts are here to help you refinance with confidence.

Learn More about mortgage refinances

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Flexible Funds. Local Lending.

Use your equity to simplify debt, fund projects, or plan ahead with rates as low as 5.49% APR*.

Learn More about home equity loans.

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Climb Higher

Make the most of 2026 with 6.00% APY* on Summit Personal Checking!

Learn More about Summit Personal Checking.

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Building Brighter Futures

Seven $2,000 scholarships are available to help local students achieve their dreams!

Mountain Credit Union

Serving Western North Carolina Since 1963!