Mountain Gem Credit Union offers a wide variety of loans at affordable rates. Are you looking for your first car, a new car or pickup, a motor home or RV? Are you purchasing or refinancing a home? Do you want to make use of the equity in your home?

You can expect all of our lending services to come with the prompt and friendly service you deserve as a member-owner of Mountain Gem CU. We think our combination of outstanding service, great rates and convenience just can't be beat!! Check out our rates, try different loan scenarios on the loan calculators, then complete the online loan application and submit it to our loan officer. Mountain Gem CU is able to offer one business day turn around on loan approvals under most circumstances.

Please feel free to contact us online if you have any questions.

  • We Offer New & Used:

    Looking for a new set of wheels? Whether you're looking to drive a brand-new car off the lot, or getting a pre-owned car, we can help you can drive home with some serious savings. We also offer refinancing options to get you a better deal on your current auto loan financed with another lender.
    Our Vehicle Loans offer:

    • Great low fixed rates
    • Low cost loan & debt protection
    • Flexible terms to better fit your financial situation

    Credit Builder Loans

    Looking to buy a car but have a less-than-stellar credit score? At Mountain Gem Credit Union we can empower you with Credit Builder Loans on new and used vehicles. Credit Builder Loans are designed for members who are ready to make a vehicle purchase but may not meet the credit requirements of a traditional loan.
    Credit Builder Vehicle Loan Details:

    • Flexible terms to better fit your financial situation
    • Interest rates fixed at time of approval
    • We’ll help you create a payment schedule that works for you

    Recreational Vehicle Loans:

    Experience the ultimate freedom that an RV provides with low recreational vehicle loan rates. Whether they have all-wheel, four wheel, two wheel, rudders, or skis you can have fun with help from us.
    Apply NowCurrent Rates

  • Personal Loans

    A Personal Loan is perfect for life’s now moments—plan that special occasion, manage unexpected expenses, or go on that ultimate trip.

    A Debt Consolidation Loan helps you budget all of your debit in one place. Combine multiple loan payments into one simple loan to reduce debt and save money.

    A Line of Credit will help you be ready for repairs, cash shortfalls and any unexpected expenses.

  • Other Loans

    Share/Certificate Loan uses your certificate as collateral while still earning dividends and avoiding any early withdrawal penalties at a rate of 3% over the stated share/certificate rate for up to 60 months. A great way to hold onto your cash or to re-build credit.

    Payday alternative loans, or PALs, allow members to borrow small amounts of money at a lower cost than traditional payday loans and repay the loan over a longer period. These features can help borrowers avoid the potential debt trap created by high-cost, for-profit lenders.

    Mortgage Loans offer you a personal experience with competitive rates and fast processing. We have many unique options to fit your needs.

    Visa® Classic Credit Card or Visa® Platinum Credit Cards come with chip and pin security and rates that will make you smile.

  • Loan Protection Services

    Credit Life Protection - is designed to cancel the remaining loan balance should the borrower die. The outstanding balance of the loan would be paid off in the event of the member’s death.

    Credit Disability Protection - is designed to make loan payments for as long as the borrower is disabled.

    Mechanical Breakdown Protection - Expensive repair bills can leave you stranded financially unless you have an extended protection plan. We offer this valuable protection at just a fraction of what you would pay elsewhere.

    Guaranteed Asset Protection (GAP) - covers the difference between the cash value of your vehicle and the loan value, if your auto is a total loss.

    Protect your loan balance or loan payments today so your family can worry less about tomorrow. Purchasing protection is voluntary and won’t affect your loan approval. Ask you loan officer about eligibility, conditions, or exclusions. Refer to the member agreement for a full explanation of terms and conditions.