Routing Number

Mountain Empire Federal Credit Union’s routing number is: 251481148


I’m moving out of the area but would like to continue banking with Mountain Empire Federal Credit Union. Where can I access my accounts by ATM?
We are happy to offer our members access to over 80,000 fee-free ATM locations. Locate the ATM nearest you.

How do I become a member?
To view member eligibility requirements, please click here.

How do I make deposits?
There are several ways to make deposits into your MEFCU account. Deposits can be made at the Credit Union, by mail, or can be dropped off in our Night Depository located at our front entrance.

How do I set up Direct Deposit?
To enroll in Direct Deposit, please visit MEFCU to obtain a Payroll Deduction Form containing your routing and account information. Then, visit your employer's Human Resources Department to file your Direct Deposit paperwork.

Online Banking/Bill Pay

What if I forget my Online Banking Password?
If you need assistance resetting your password, please contact us. One of our Member Service Representatives will be happy to help! Do you have access to your email? Feel free to use our Forgot Password button. 

How do I sign up for Online Bill Pay?
When you log-in to Online Banking, click on the Bill Pay link and it will prompt you to sign up for Bill Pay. You must have a checking account with us to sign up for Bill Pay.

Why can’t I use Bill Pay through my savings account?
Due to federal regulations, savings accounts are classified as non-transactional accounts. This regulation does not apply to checking accounts.

What services are available through Internet Banking?
Our Internet Banking site offers several services providing you with secure access to your accounts. Enjoy access to account balances, funds transfers, e-statements, loan payments, Bill Pay services, receive text and email alerts, and more!

Debit & Credit Cards

What do I do if my debit card is lost or stolen?

To report a Lost or Stolen Debit Card, contact:

During Business Hours: 276-782-9639

After Business Hours and/or Weekends: 800-528-2273

What do I do if my credit card is lost or has been stolen?

To report a Lost or Stolen Credit Card, contact:

During Business Hours: 276-782-9639

After Business Hours and/or Weekends: 800-991-4964

I am traveling soon, what do I need to do to ensure that my card works?
Please contact us at 276-782-9639 and let us know when and where you will be traveling.

Lending FAQs

Can I pay an additional amount towards the principal balance of my loan?
Yes. Any accrued interest will first be credited to your loan from the additional payment. The remainder of the payment will be applied to your principal balance.

About Credit Unions

Is my money insured at Mountain Empire FCU?
Yes, a member’s funds are federally insured through the NCUA (National Credit Union Administration).  The NCUA Share Insurance Fund (NCUSIF) is very similar to the FDIC for banks. Depending on how an account is titled, the account can be eligible for more than $250,000 coverage through the NCUA.  In addition, federal law provides for insurance coverage of up to $250,000 for IRA accounts.

What is a Credit Union?
A Credit Union is a cooperative, not-for-profit financial institution organized to promote healthy financial practices amongst its members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the Credit Union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.

Other Service FAQs

Does Mountain Empire FCU offer Notary Services?
We do! Please contact us to schedule an appointment to meet with our Notary.

Checks and Stop Payments

How do I order checks?
If ordering checks for the first time, contact the credit union for assistance.

How long are stop payments good for?
Written stop payment orders on checks are valid for 6 months. Standard fees may apply.

Can I extend my stop payment past the expiration date?
Yes, give us a call to extend your stop payment expiration date.

What do I do if a check clears my account for the wrong amount?
Please contact our office at 276-782-9639 and we can discuss options for issues such as this.