Member Resources 

Click Here To See Our Membership Guide

Did you know that we have a chat feature on our MCU Mobile App?  Download the MCU Mobile App & chat with a Member Service Rep. when you need assistance!

24/7 Emergency Credit & Debit Card Phone Numbers

MasterCard Debit Card Services & Maintenance

After Hours Lost/Stolen 888-297-3416
Activate a New Card 800-290-7893
Real Time PIN Change/Pick a PIN 800-290-7893
International 260-624-7998
MasterCard Debit Decline Assistance 800-547-0529                                        

Mastercard Payments Should Be Mailed To: Mountain Credit Union, P O Box 133, Waynesville, NC 28786

Click Here To Find CU Service Center Participating Credit Unions

Credit Union Service Centers

Mountain Credit Union Scholarships

Mountain Credit Union awards a $1,000 scholarship to a member in each one of our branch offices.  Scholarship applications are available on or about the first working day in January of each year and are available until the application deadline date which is noted on the application each year.  Scholarships are awarded in April of each year.  You can access an application on Mountain Credit Union's website or at any of our branch locations during the application period. 

Click here for the 2023 Scholarship Application                                     

Love My Credit Union Rewards

Love your savings! Credit Union members receive exclusive discounts and benefits from trusted partners such as Spectrum Mobile, Turbo Tax, H&R Block, and TruStage. The more offers you take advantage of, the more you save. Start saving today at

Georgia Aquarium Discount Tickets


Carowinds Discount Offer

Mountain Credit Union members can qualify for special savings when you purchase tickets through the Carowinds Savings site and use the User Name:  CCUL and the Password:  CCUL

Click Here For More Information

Kings Dominion Discount Offer

Mountain Credit Union members can qualify for special savings when you purchase tickets through the Kings Dominion Savings site and use the User Name: KDCCUL and the Password:  KDCCUL

Click Here For More Information

Rescue Id Identity Theft Protection 

 Get fully managed Identity Theft Recovery when you purchase a Rescue ID Identity Theft Protection plan.  Plans start at $2.95 per month.  Get more information

Mountaineer Club

Mountain Credit Union has great money saving offers for our members 55 years old or better.  Join the Mountaineer Club and start enjoying the benefits today!  It's easy to join, just tell your Member Service Representative that you would like to join the Mountaineer Club! 

How do you qualify?  You must be 55 years old or better.  You must have Direct Deposit coming into your checking account at Mountain Credit Union or have a Savings or Money Market account of $2,500 or more.

  • No monthly maintenance fee on Regular Checking 
  • Free Mastercard Debit Card, Unlimited Transactions 
  • Free MCU Online Service with Electronic Statements and Check Images
  • Free MCU On-Call Audio Response Access
  • Free BillPayer
  • Free Notary Service For Credit Union Business
  • Free Money Orders
  • Free Official Checks
  • Free Direct Deposit and Overdraft Transfers From Savings 
  • Free Christmas Club Account

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