Mountain Credit Union
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Mountain Credit Union Loans

Click Here To See Our Lending Products Brochure

At Mountain Credit Union, we can help finance your dreams. Use our on-line calculators to calculate different payment options and terms. Our goal at Mountain Credit Union is to provide low-cost, affordable loans to our members. Our rates and monthly payments are very competitive.

If you are a member of Mountain Credit Union and a MCU Online subscriber you can apply for a loan 24 hours a day/7 days a week.

Mountain Credit Union Members: Click here to sign-in to MCU Online and then click on the 'Loans' button.

Non-Members: If you are not currently a member, and would like to apply for a loan, please call or come by any of our convenient locations to speak with a Loan Officer.

Disability and Life Insurance is available at affordable prices on all loans. Be prepared for the unexpected by purchasing insurance that will pay your loan in the event of disability or death.

Car & Truck Loans

If you’re looking to purchase a new or used vehicle let Mountain Credit Union be a part of the deal! Get pre-approved before you go car shopping so that you know exactly how much you have to spend. Then you can spend your time shopping instead of negotiating the price!

If you have a vehicle financed at another institution ask your Mountain Credit Union Loan Officer if we can reduce your monthly payments and save you money over the life of the loan! We’re here to help you get the best deal possible!

Mountain Credit Union offers repossessed vehicles for sale. Click here for our current listing.

Mountain Credit Union will provide 0% financing to qualified borrowers that agree to pay full retail value for repossessed vehicles.

Click here to find dealers that can finance your vehicle with Mountain Credit Union.  Make sure to notify the dealer that you want to finance with Mountain Credit Union!

Save on New and Used Cars

Secured Loans

Mountain Credit Union offers loans for any purpose.

  • Boats, Motors & Trailers
  • Jet Skis
  • Recreational Vehicles
  • Campers & Travel Trailers
  • Motorcycles
  • Farm Equipment Including Riding Mowers and Small Equipment
  • 4 Wheelers

Home Equity Loans

Take advantage of the equity in your home! If you plan to do home improvements, purchase a car, a college education or debt consolidation; talk with a Mountain Credit Union Loan Officer to see if a Home Equity Loan is for you. At this time Mountain Credit Union offers Home Equity Loans with NO CLOSING COSTS. Variable rate line-of-credit or closed end-fixed rate available.


Mortgage Loans

Mountain Credit Union has a solution for your home financing needs.  Purchase or Refinance.  We have:

  • Competitive Rates
  • Fixed & Adjustable Rate Mortgages
  • First-time Homebuyer Programs
  • Conventional Loans
  • VA, USDA & FHA Loans
  • Up to 100% Financing
  • Investment Property
  • Second Homes


Contact Wanda Lupfer, Mortgage Loan Originator by calling your local branch office number and choosing extension 2710.  Click Here to print out a Mortgage Loan Application

Unimproved Property Loan

Do you want to buy now and build later? Mountain Credit Union can help with our Unimproved Property Loan. This loan can be granted on property located in North Carolina with approved credit.

Share Secured Loan

Mountain Credit Union offers a loan secured by the balance in your savings account. This is a great loan for someone who has a short term need for financing but doesn’t want to spend their savings. This is a great option for someone just starting to build credit.

Student Loans

This Sallie Mae Student Loan Program is a referral program that allows Mountain Credit Union members to apply for student loans on-line. Click Here to get started on your application.

Overdraft Loan Protection

Mountain Credit Union offers two overdraft loan products.

Basic Overdraft Loan Protection

  • Maximum Loan Amount is $1,000
  • Overdraft loan transfers will be made to your checking account as needed, up to the maximum loan amount, and in increments of $100.

Reserve Overdraft Line of Credit

  • Maximum Loan Amount Up To $10,000
  • Advances on this loan may be granted directly to members in addition to overdraft advances. This loan can be accessed through MCU @NYTIME, Mountain Credit Union's online banking platform.


Mountain Credit Union offers a Seasonal Loan that is available from November 1 through April 15. 

  • Maximum Loan Amount $1,200
  • Term:  12 Months

Click Here To Access Mountain Credit Union's Fee Schedule Or Contact Your Member Service Representative To Obtain A Copy.

Mountain Credit Union, Loans in Asheville, NC; Loans in Candler, NC; Loans in Cherokee, NC; Loans in Enka, NC; Loans in Fletcher, NC; Loans in Franklin, NC; Loans in Sylva, NC; Loans in Waynesville, NC

Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act
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