Mountain Empire FCU offers New & Used Vehicle Loans, Recreational Vehicle Loans (including boats, RVs, motorcycles, 4-wheelers, etc.), Share-secured, Signature and Bill Consolidation Loans.

All of our loans are simple interest loans and have no pre-payment penalties or application fees. You only pay interest for the time you borrow the money.

Click here to apply for a loan online!

Mortgage Loans
Mortgage loans will be available soon.

Direct Deposit & Payroll Deductions
Payroll deposits, travel reimbursements, retirement, social security, and VA benefits are electronically deposited to your accounts. Loan payments can also be automatically credited.

Share Draft Checking
Your FREE checking benefits include NO monthly service fees or charges, NO minimum balance, NO per check fees, free VISA check card access, and easy-to-read monthly statements.

Overdraft protection from your share savings account is available.

Click here to reorder your checks.

VISA Check Cards and ATM Cards
A fast, easy way to make cash withdrawals. Use your VISA check card at thousands of locations around the world. Cash and point of sale transactions are available through the Star, Jeanie, Plus, AFFN, Maestro, and VISA networks.

Master Share (Savings) Account
A master share account must be opened in order to establish membership with the credit union. A balance of $25 must be maintained in this account at all times. Once you have become a member by opening the master share account, other accounts may be opened. Dividends are paid quarterly.

Individual Retirement Accounts
An IRA is a great way to get a tax advantage while you save for retirement. We offer Traditional, Roth and Education IRAs that can be invested in savings or share certificates. IRAs are insured up to $250,000.

Christmas Club and Vacation Club
Earn dividends while you save for Christmas or vacation spending the easy way.

Share Certificates
Certificates of deposit can be purchased for as little as $1,000. Terms from 6 months to 31 months are available at competitive rates.

Loan insurance products include Credit Life insurance, Credit Disability insurance, Accidental Death & Dismemberment insurance, Cancer Insurance, and GAP insurance.

Classic VISA
Stop paying outrageous credit card interest rates. MEFCU offers NO application fee, NO annual fee, NO transfer fee, a 25-day grace period on all purchases, VISA ATM access, LOW annual Percentage Rate, with Cash Advances available.

Additional Products & Services
MEARS (24-Hour Audio Teller), Wire Transfers, Teller Checks, Notary Services, NADA vehicle pricing, Member Newsletter, 24-hour Depository, Signature Guarantees.

Your money is insured by the National Credit Union Administration (NCUA). It is the government agency responsible for insuring your combined credit union accounts up to $250,000. Individual Retirement Accounts are insured separately. Not one person has ever lost a penny with a Federally-insured Credit Union!

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