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 manage my account?
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?
Deposits can be made by mail, or in our office.

How do I set up Direct Deposit?
To enroll in Direct Deposit, please contact your Human Resources department to file the paperwork necessary to enroll and make sure to use our routing number and your account number. You can also call or come by the credit union and we can assist you with the paperwork.

Online Banking/Bill Pay

What if I forget my Online Banking Password?
If you need assistance, please contact us and one of our member service representatives will be happy to help. We also have a Forgot Password button that you can use as well. 

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 have Bill Pay through my Savings Account?
Under federal regulations, Savings accounts are classified as non-transactional accounts. This regulation does not apply to Checking accounts.

What Online Banking Services are available?
Our Online Banking site offers many services including access to account balances, funds transfers, e-statements, loan payments, bill pay, recurring transfers, text and email alerts, and more!

Debit & Credit Cards

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

To report a Lost or Stolen Debit Card, contact:

Weekdays 276-782-9639

After Hours 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:

Weekdays 276-782-9639

After Hours 800-991-4964

I am traveling soon, what do I need to do to ensure that my card works?
Please call our office at 276-782-9639 to let us know where and when you are 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 set up 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 and can be initiated by calling us or coming to the credit union.

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 will verify the problem and adjust your account.