Mountaincrest Credit Union
MountainCrest Credit Union is a member-owned, not-for-profit financial cooperative serving Washington-state residents from branches in Arlington and Everett with deposit products, consumer loans, and card services delivered through Banno-powered digital banking and the CO-OP shared branch and ATM networks.
- Company typePrivate
- Founded1935
- HeadquartersArlington, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Mountaincrest Credit Union does
MountainCrest Credit Union is a member-owned, not-for-profit financial cooperative headquartered in Arlington, Washington with a second branch in Everett. Founded in the mid-1930s, the institution serves individuals who live, work, or worship in Washington state, with primary market concentration in Snohomish County. Membership deposits are federally insured up to $250,000 through the NCUSIF.
The credit union operates a full-service retail banking platform across deposits (Personal Checking, Savings, Cash Management, Holiday Club, CDs, IRAs), consumer lending (auto, RV, home mortgage, home equity, HELOC, signature, personal line of credit), and card products (Visa debit and Visa Platinum credit with ScoreCard Rewards). Underlying technology includes the Banno-powered online and mobile banking platform with two-factor authentication, remote deposit capture, secure messaging, native iOS/Android apps, Card Suite Lite for card controls, P2P payments, and digital wallet tokenization through Apple Pay, Google Pay, and Samsung Pay. Distribution is extended through the CO-OP Shared Branch network (5,000+ branches) and CO-OP ATM network (30,000+ surcharge-free ATMs).
Revenue is generated primarily through net interest income on the consumer loan portfolio, supplemented by overdraft and account fees, card interchange, gift-card sales, and ancillary service charges. Marketing is community-led, emphasizing cooperative ownership, local decision-making, and member-first pricing rather than shareholder returns, with a hybrid physical-and-digital go-to-market that targets Washington-state residents across consumer use cases.
Mountaincrest Credit Union firmographics
Firmographics- Name
- Mountaincrest Credit Union
- Legal name
- MountainCrest Credit Union
- Website
- https://mountaincrestcu.com
- Company type
- Private
- Founded year
- 1935
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- MountainCrest Credit Union is a member-owned, not-for-profit financial cooperative serving Washington-state residents from branches in Arlington and Everett with deposit products, consumer loans, and card services delivered through Banno-powered digital banking and the CO-OP shared branch and ATM networks.
- Ownership category
- akta.pro rank
Mountaincrest Credit Union industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (52213), Credit Card Issuing (522210), Consumer Lending (522291)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
- akta.pro secondary industry
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Mountaincrest Credit Union is headquartered
LocationHeadquarters
- HQ city
- Arlington
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Mountaincrest Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income on Loans: Primary revenue stream from interest charged on various loan products including auto loans, home mortgages, home equity loans, personal loans, credit cards, and recreational vehicle loans. Interest rates vary by product type, with APRs ranging from approximately 4.50% to 18.00% depending on creditworthiness and loan type.
- Overdraft and Fee-based Income: Fees charged for overdraft coverage services ($30 per overdraft), skip-a-payment processing ($35), and other account-related services including wire transfers, certified checks, and safe deposit boxes.
- Card and Transaction Services: Income from credit card interchange, Visa gift card sales ($3.50 per card), and other card-related services. Also includes travel card reloadable balances from $100 to $5,000.
- Deposit Account Fees: IRA annual maintenance fee of $15, though the credit union emphasizes not-for-profit structure where profits return to members through better rates and lower fees compared to traditional banks.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Savings Account - 0.10% APY |
| Unit Pricing | Monthly | Cash Management - 0.30%-0.40% APY |
| Unit Pricing | Multi-year contract | Certificate of Deposit (CD) Rates |
| Unit Pricing | Monthly | New Auto Loans - 4.50% to 16.75% APR |
| Unit Pricing | Monthly | Home Equity Line of Credit (HELOC) - 4.99% intro APR |
| Unit Pricing | Pay-as-you-go | Personal Line of Credit - 11.74% to 18.00% APR |
| Unit Pricing | Monthly | Signature Loans - 9.74% to 17.99% APR |
| Unit Pricing | Monthly | Visa Credit Card - 12.25% to 18.00% APR |
| Unit Pricing | Pay-as-you-go | Overdraft Coverage Fee - $30 per occurrence |
| Unit Pricing | Pay-as-you-go | Skip-a-Payment Fee - $35 |
| Unit Pricing | Pay-as-you-go | Pay Now Online Payment - $12 fee |
| Unit Pricing | Annual | IRA Annual Fee - $15 |
| Unit Pricing | One time/ perpetual license | Visa Gift Cards - $3.50 |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
Mountaincrest Credit Union product offering
Product offeringCore offering
MountainCrest Credit Union is a member-owned, not-for-profit financial cooperative offering personal banking products including checking and savings accounts, certificates of deposit, IRAs, auto and recreational vehicle loans, home mortgages and refinances, home equity loans and HELOCs, signature loans, personal lines of credit, and Visa credit and debit cards. Members access these products through two physical branches in Arlington and Everett, Washington, Banno-powered online and mobile banking, digital wallets, and a network of over 30,000 surcharge-free ATMs and 5,000 shared branches via the CO-OP Network.
Product overview
MountainCrest Credit Union operates as a member-owned financial cooperative offering a comprehensive suite of banking and lending products organized around core account services (checking, savings, CDs, IRAs), loan products (vehicle, home, and personal loans plus credit cards), and digital banking channels. The product portfolio centers on Personal Checking with Free Checking options, multiple Savings vehicles including youth (PAWS, Teen) and goal-based accounts (Holiday Club, Cash Management), and Certificate of Deposit products with tiered rates. Lending offerings span Auto Loans with dealer integrations via AutoSMART, Home Mortgage products including conventional and government-backed programs with refinancing options, and Personal Loans including Lines of Credit and Signature Loans. Digital services include Online and Mobile Banking (powered by Banno platform), Digital Wallet support for Apple Pay/Google Pay/Samsung Pay, Card Suite Lite for card controls, P2P payments, and extensive ATM/branch access through CO-OP Network partnerships. Additional products include credit protection insurance, mechanical breakdown coverage, gift/travel cards, and financial education resources through Banzai. The architecture is a unified platform approach where core banking services are extended through partner integrations (Visa for cards, CO-OP for ATM/branch networks, Allied Solutions for GAP/depreciation protection) rather than a modular software product.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking
- Free Checking
- Savings Account
- PAWS Club Youth Savings
- Teen Savings Account
- Holiday Club Account
- Cash Management
- Certificates of Deposit (CDs)
- Individual Retirement Accounts (IRAs)
- Visa Platinum Credit Card
- Visa Debit Card
- Auto Loans
- Recreational Vehicle (RV) Loans
- Home Mortgage Loans
- Home Mortgage Refinance
- No-Cost Home Refinance
- Home Equity Loans
- Personal Line of Credit
- Signature Loans
- Buy Now, Pay Later
- Online Banking & Bill Pay
- Mobile Banking
- Digital Wallet
- Card Suite Lite
- Person-to-Person (P2P) Payments
- e-Statements
- Shared Branching
- Surcharge-Free ATMs
- Telephone Banking (ITalk)
Companies that use Mountaincrest Credit Union
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Mountaincrest Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature5 records
Mountaincrest Credit Union partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and supporting.
- CO-OP Shared Branch NetworkcoreMountainCrest Credit Union partners with CO-OP Shared Branch network to provide members access to over 5,000 credit union branches nationwide and over 2,000 self-service locations (open 24/7) in all 50 states and 14 countries. Members can perform deposits, withdrawals, loan payments, and transfers at any shared branch as if at their home branch.
- CO-OP ATM NetworkcorePartnership provides access to over 30,000 surcharge-free ATMs nationwide and over 9,000 surcharge-free deposit ATMs. Members can locate ATMs via mobile app, text message to 692667, phone call to 888-748-3266, or online search.
- Banzai (BALANCE)supportingMountainCrest partners with Banzai to offer free financial fitness resources, calculators, and educational programs including Preventing Identity Theft courses. Partnership provides industry-leading financial education tools for members at no cost.
- AudioEyesupportingAudioEye provides 3rd-party web accessibility testing and monitoring services. The certification confirms the MountainCrest website conforms to WCAG 2.2 Level AA Success Criteria, ensuring accessibility for users with disabilities.
- AutoSMARTsupportingAutoSMART vehicle shopping marketplace partnership allows members to research, browse dealer inventory, and shop for new and used vehicles while applying for loan pre-approval from MountainCrest Credit Union.
- Apple PaycoreMountainCrest debit and credit cards are compatible with Apple Pay digital wallet, allowing secure contactless payments using device account numbers instead of actual card details.
- Google PaycoreMountainCrest debit and credit cards are compatible with Google Pay digital wallet, enabling secure payments from Android devices with encrypted device account numbers.
- Samsung PaycoreMountainCrest debit and credit cards support Samsung Pay for secure mobile payments using tokenization technology with device account numbers.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Mountaincrest Credit Union competitors and assessment
Company assessmentBroad incumbents
- BECU (Boeing Employees Credit Union): Washington's largest credit union, serving members statewide with the broadest product and branch footprint in the region. Represents the upper-scale benchmark of the same cooperative model in MountainCrest's home geography.
Regional players
- Peninsula Credit Union: Washington-state community credit union serving the Olympic Peninsula region. Similar scale and member-owned structure, with a distinct but adjacent Washington geography.
- OnPoint Community Credit Union: Large Pacific Northwest community credit union headquartered in Portland, OR, serving Oregon and Southwest Washington. Comparable cooperative model, product breadth, and digital banking infrastructure, with adjacent regional presence.
Emerging players
- Alliant Credit Union: National online-first credit union with no physical branch model, offering high-yield savings and consumer lending. Represents the digital-native competitive threat that MountainCrest's Banno upgrade is partly designed to address.
- Connexus Credit Union: Online-focused credit union offering high-yield deposit products and consumer lending nationally. Demonstrates the digital yield-pricing pressure that small community credit unions like MountainCrest must counter.
- DCU (Digital Federal Credit Union): Large national digital-first credit union offering consumer banking and lending via web and mobile. Provides a benchmark for how a member-owned cooperative can scale digitally without a physical branch network.
Direct peers
- Verity Credit Union: Washington-state community credit union serving the Seattle metro area with comparable personal banking, lending, and member-owned cooperative model. Most direct like-for-like competitor in geographic footprint and product mix.
- Numerica Credit Union: Washington-state community credit union serving Eastern Washington and the Inland Northwest, with full consumer banking and lending product set and similar member-owned structure.
- Kitsap Credit Union: Washington-state community credit union of similar scale, offering checking, savings, lending, and digital banking to a defined regional membership. Comparable cooperative model and product breadth.
- Sound Credit Union: Washington-state community credit union serving the Puget Sound region, including Snohomish and Pierce counties. Direct overlap in geographic service area, member segments, and product offerings.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Mountaincrest Credit Union social profiles
Digital presenceMountaincrest Credit Union compliance and trust
Trust signalCompliance3 records
Mountaincrest Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mountaincrest Credit Union leadership team
Management profileNumber of profiles
Profiles2 records
Mountaincrest Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mountaincrest Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mountaincrest Credit Union
What does Mountaincrest Credit Union do?
MountainCrest Credit Union is a member-owned, not-for-profit financial cooperative offering personal banking products including checking and savings accounts, certificates of deposit, IRAs, auto and recreational vehicle loans, home mortgages and refinances, home equity loans and HELOCs, signature loans, personal lines of credit, and Visa credit and debit cards. Members access these products through two physical branches in Arlington and Everett, Washington, Banno-powered online and mobile banking, digital wallets, and a network of over 30,000 surcharge-free ATMs and 5,000 shared branches via the CO-OP Network.
Is Mountaincrest Credit Union a public or private company?
Mountaincrest Credit Union is a private company. It is classified as management employee owned and is currently operating.
When was Mountaincrest Credit Union founded?
Mountaincrest Credit Union was founded in 1935. It employs 11 to 50 people.
Where is Mountaincrest Credit Union based?
Mountaincrest Credit Union is headquartered in Arlington, United States, in the North America region.
How does Mountaincrest Credit Union make money?
Four revenue lines are on record. Interest Income on Loans are the primary driver. The others are overdraft and Fee-based Income, card and Transaction Services and deposit Account Fees.
Who are Mountaincrest Credit Union's main competitors?
BECU (Boeing Employees Credit Union) is listed as a broad incumbent. Regional players are Peninsula Credit Union and OnPoint Community Credit Union. Emerging players are Alliant Credit Union, Connexus Credit Union and DCU (Digital Federal Credit Union). Direct peers are Verity Credit Union, Numerica Credit Union, Kitsap Credit Union and Sound Credit Union.
Does Mountaincrest Credit Union have an API?
No public API is recorded for Mountaincrest Credit Union.
What industry is Mountaincrest Credit Union in?
Mountaincrest Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 52213 and its SIC code is 6141.