Mountain Credit Union Sylva NC | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Mountain Credit Union, your trusted financial partner in the heart of Sylva, North Carolina. Located at 30 Highway 107, our branch has been serving the community since 1963. With a commitment to providing exceptional service and fostering a sense of belonging, we proudly support over 30,784 members with tailored financial solutions. At Mountain Credit Union, we understand that every member has unique needs. That's why we offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our robust offerings also extend to business banking, ensuring that local entrepreneurs have the resources they need to thrive. Our financial health speaks volumes about our dedication to our members. With total assets of $339,660,465 and deposits amounting to $79,813,984, we stand strong as a reliable institution. We prioritize your financial security with a net worth of $37,755,054 and maintain healthy cash reserves of $4,169,305. Led by our CEO Amy Woody and Board President Joey Webb, our team is passionate about making a positive impact in the community. We're not just here to provide services; we aim to build lasting relationships with our members. While you can visit us at our Sylva location for all your banking needs, please note that official correspondence should be sent to the same address: 30 Highway 107, Sylva, NC 28779. Whether you're looking for personal loans or want to explore business banking options, we're here to help! Feel free to call us at 828-586-0425 during our operating hours Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 5:30 PM. Join us today at Mountain Credit Union where your financial success is our priority! Visit our website at Mountain Credit Union for more information or start your application process online.

Branch History & Mission

Mountain Credit Union has proudly served the vibrant community of Sylva, North Carolina, since its establishment in 1963. Over the past six decades, we have grown from a small local credit union into a trusted financial partner for more than 30,000 members. Our journey began with a simple mission: to provide accessible and affordable financial services tailored to the unique needs of our members. Located at 30 Highway 107, Sylva, NC 28779, our branch is conveniently situated near local landmarks that many in the community recognize. As we've evolved, we've prioritized not only expanding our financial offerings but also enhancing our connection with the community through various outreach efforts and partnerships. Today, we are proud to manage total assets exceeding $339 million, reflecting our commitment to responsible growth and member service. At Mountain Credit Union, our mission goes beyond just providing traditional banking services. We strive to empower individuals and families by offering personal banking solutions such as checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. We believe in fostering financial literacy and stability within our community. Our dedicated team is here to guide you through every step of your financial journey. We understand that convenience is essential in today's fast-paced world. That's why we offer comprehensive online and mobile banking options, making it easy for members to manage their accounts anytime, anywhere. For those who prefer face-to-face interactions, our lobby hours are designed with you in mind: open Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 5:30 PM. We also provide drive-thru banking services for quick transactions without leaving your vehicle. For any official correspondence or inquiries beyond visits to our branch, members can reach us at the same address 30 Highway 107, Sylva, NC 28779 or by phone at 828-586-0425. As a member-focused institution, we pride ourselves on being more than just a place to bank; we are an integral part of the Sylva community. Join us today at Mountain Credit Union and experience firsthand how we can help you achieve your financial goals while supporting local initiatives that matter most to you. Together, let's build a brighter future!

Branch Location & Accessibility

Connect With Us

Have questions or need assistance? Don't hesitate to give us a call at 828-586-0425. Our friendly staff is here to help you navigate your financial journey. We invite you to stop by Mountain Credit Union today and discover how we can support your financial goals!

Easy Access and Parking

At Mountain Credit Union, we prioritize your convenience. Our branch offers ample parking with designated spots for those who need accessible options. We are proud to be ADA compliant, ensuring that everyone can easily visit us without hassle.

Operating Hours

We understand that life can be busy, so we offer flexible operating hours to serve you better. You can drop by our lobby from Monday to Thursday between 8:30 AM and 5:00 PM, and on Fridays until 5:30 PM. If you prefer banking on-the-go, we also provide drive-thru banking for quick deposits, withdrawals, and simple transactions.

Services at Your Fingertips

Whether you're looking to open a checking account, apply for an auto loan, or explore mortgage refinancing options, Mountain Credit Union has you covered. We offer personal banking solutions tailored to meet your needs. Plus, our ATM is available for cash withdrawals and balance checks whenever you need it. For official correspondence, please note that while members can visit us at our branch address, any mail should be sent to the same location at 30 Highway 107, Sylva, NC 28779.

Member Eligibility

At Mountain, we believe that everyone deserves a supportive financial community, and becoming a member is simple and welcoming. If you live, work, or worship in the area around 30 Highway 107 Sylva Nc 28779, you are likely eligible to join us! We're dedicated to helping our members achieve their financial goals with personalized services and a range of products designed just for you. Whether you're looking for a checking account, loans, or savings options, our team is here to guide you every step of the way. To start your journey with us, simply visit our website for more detailed eligibility criteria at . Once you're ready to take the next step, opening an account is easy; just head over to http://www.mountaincu.org/loans/apply/. If you have any questions or need assistance along the way, don't hesitate to call us at (828) 586-0425. Join us at Mountain, where we're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer merchant services that simplify transactions and improve customer experiences. Picture this: a small boutique using our mobile payment solutions to process sales at local markets. This flexibility not only enhances customer satisfaction but also opens up new revenue streams. Our dedicated team at Mountain is here to guide you every step of the way. Visit us at 30 Highway 107 Sylva Nc 28779 in Sylva, NC or call us at (828) 586-0425 to discover how we can help your business grow!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $11 in non-member commercial loans, providing flexible financing solutions. These loans can help with everything from purchasing new equipment to managing cash flow during slow seasons.

Comprehensive List Of Services

Accessing Cash Made Easy

Need cash quickly? We have you covered with our ATM services which are accessible for withdrawals and balance checks whenever you need them. Plus, our Drive-Thru Banking provides a simple way for you to handle deposits, withdrawals, and other transactions without leaving your car.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking features that allow you to manage your finances on-the-go. With just a few clicks or taps, you can check balances, transfer funds, pay bills, and even make person-to-person payments easily.

Credit Cards and Business Services

Do you enjoy earning rewards while spending? Check out our Credit Cards with Rewards program! It's perfect for those who love benefits from everyday purchases. For our business members, we offer essential Business Banking services including merchant services and business loans tailored to support your entrepreneurial journey.

Let Us Help You Today!

At Mountain, we're more than just a credit union; we're a community partner ready to support your financial needs. Our team is here to answer any questions you might have about these services or help you get started today! Feel free to reach out at (828) 586-0425, or visit us at Mountain Credit Union for more information. Your financial well-being is just a call or click away!

Personal Banking Solutions

We offer various Personal Banking options including checking and savings accounts that cater to different lifestyles and preferences. If you're planning to buy a car, consider our Auto Loans & Vehicle Financing designed to make your journey easier with competitive rates and flexible terms. For those who wish to invest in real estate or refinance an existing mortgage, our Mortgage Loans & Refinancing options can help you achieve your goals without unnecessary stress. In addition, we provide Personal Loans & Debt Consolidation services. Life can throw unexpected expenses at us, and having access to personal loans can help ease those burdens. Our loans come with straightforward terms so you know exactly what you're getting into.

Digital & Online Banking

At Mountain, we understand that managing your finances should be as easy and secure as possible. That's why we offer a comprehensive suite of digital and online banking services designed to keep you connected and in control, no matter where you are. With our 24/7 online banking services available at https://www.mountaincu.org/, you can access your accounts anytime, day or night. Whether you're checking balances, transferring funds, or paying bills, everything is just a click away. Plus, if you prefer to manage your money on the go, our mobile application makes banking even more convenient. It's user-friendly and packed with features that help you stay on top of your finances. Worried about security? Rest assured that we prioritize your safety. Our system includes electronic signature authorization, ensuring that your transactions are secure and verified. You can also opt for e-statements, which not only reduce paper waste but also provide a safe way to view your account statements from anywhere. Need to send money quickly? Our person-to-person transfers feature allows you to easily send funds to friends or family without any hassle. And if you're looking to make payments from your smartphone, our mobile payments option is here to simplify your life even more. At Mountain, we believe that banking should fit seamlessly into your lifestyle. With all these tools at your disposal, managing your finances has never been easier or more secure. Join us today at https://www.mountaincu.org/ and discover how our digital banking services can benefit you!

Financial Strength

Commitment to Growth

With $33,538,983 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust: with $5,387 in used auto loans and $210,720,003 in total loans and leases, we support members' financial goals across various sectors.

Growing Member Base

We are also pleased to report that total share accounts stand at 56,448, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $8,916,462, allowing us to continually support your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mountain is your trusted partner. Visit us at 30 Highway 107 Sylva Nc 28779 or call (828) 586-0425 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Operational Efficiency

Our operational efficiency is reflected in our $641,284, which empowers us to continue offering competitive loan rates and solid financial products for our members. The dedicated team at Mountain comprises 75 full-time employees and 2 part-time employees who are always ready to serve you with knowledge and commitment.

Secure Savings Options

Members' savings are secured through $37,440,791 in share certificates and $42,288,806 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize our members over traditional banking practices; with non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $37,755,054, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,109 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Support for Business Owners

For business owners, while we currently do not have outstanding commercial loans available, our commitment remains strong in providing support for future ventures as opportunities arise. If you're ready to take the next step in securing a loan or have questions about refinancing options, please don't hesitate to reach out! You can contact us at (828) 586-0425 or visit us at our branch located at 30 Highway 107 Sylva Nc 28779 in Sylva, NC. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you achieve your financial goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $89,957,532 in used vehicle loans and $20,002,781 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure that financing your next vehicle is straightforward and stress-free.

Credit Lines

For those who need additional flexibility, our total credit lines available amount to $111,250,750. This option allows you to access funds when needed without the hassle of applying for a new loan each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,315,467, make buying or refinancing simple. We strive to make the process as easy as possible, guiding you through each step from application to closing. If you're considering refinancing, our team can help explore eligibility options that may save you money.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $6,119,384 in loans helping members manage their finances effectively. Our credit cards come with various rewards and benefits tailored to enhance your spending experience while ensuring you stay within your budget.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means you can trust that the offers displayed are fair and transparent. Each financial institution included in the comparison has been verified to ensure that users receive only legitimate loan options.

Mountain