Skip to main content
Skip to navigation
A smiling young girl with her mother and father.

Experience The Difference

Enjoy the benefits of membership!


At Mountain Credit Union, we are dedicated to serving the diverse communities of Western North Carolina. If you are looking for a financial institution that prioritizes personalized service and community support, you might be eligible to join us.

Eligibility Criteria

Residents and Workers in Specific Counties

If you live, work, worship, or attend school in any of the following North Carolina counties, you are eligible to open an account with us:

Eligible Counties

Federal Employees

All federal employees located in the 20 western counties of North Carolina, including Avery, Buncombe, Burke, Cherokee, Caldwell, Clay, Cleveland, Graham, Haywood, Henderson, Jackson, McDowell, Macon, Madison, Mitchell, Polk, Rutherford, Swain, Transylvania, and Yancey. This also includes field personnel paid from a headquarters office in these counties.

Residents and Workers on the Cherokee Indian Reservation

Anyone living or working on the Cherokee Indian Reservation is eligible to join.

Family Members of Current or Former Members

Family members of any current or former Mountain Credit Union account holder are also eligible to open an account.

When opening a new account, you will need to provide:

  • Your name, address, date of birth, and other identifying information.
  • A valid driver's license with your current and correct address.
  • If your driver's license is from out of state, you will need additional proof of residency, such as a utility bill or a lease agreement.
  • Your Social Security card.

Joining is easy and accessible to many in Western North Carolina. With our personalized service and community focus, we are here to support you every step of the way.

Request Information

Do not include sensitive information such as social security numbers or account numbers as this is not a secure form of communication.

Contact Information
  1. e.g. (828) 452-2216
  2. e.g. (828) 452-2216
  3. e.g.