Mountain Gem Credit Union

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A short history of Mountain Gem CU

Since its inception in 1956 the Mountain Gem Credit Union has been serving its members in the NAMPA, Idaho area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Cheri Schaafs, the Mountain Gem CU has grown its membership to over 3,353 with assets of more than $20,173,194. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (208) 466-9455 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in NAMPA, ID.

General Information For Mountain Gem CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 65858
Address PO BOX 309 
State Idaho 
Zip-Code 83653
Phone Number (208) 466-9455
Fax Number (208) 466-5615
Email Address:
CEO/President Cheri Schaafs
Members 3,353 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 20,173,194 

Compare Mountain Gem Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Northwest Christian CU OVERLAND BRANCH 6115 W Overland Rd 83709 (208) 376-5525 No 1.31
Clarity CU Court House Branch 1115 Albany St Rm 132 83653 (208) 318-0444 No 4.47
Desert Sage CU Desert Sage FCU 1104 W Finch DR 83651 (208) 461-9141 No 4.61
Capital Educators CU South Nampa 1023 12th Ave S 83680 (208) 844-0150 No 9.90
Idaho United CU Main Office 3103 E Saint Lukes ST 83701 (208) 388-2138 No 11.34

Mountain Gem Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Mountain Gem Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 3.25 3.25 4.25 4.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 174 120 174 168
Rank Among All Idaho Credit Unions 15 10 7 11 9

Mountain Gem Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.03 0.05 0.20 2.00 2.00
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 130 143 114 38 49
Rank Among All Idaho Credit Unions 6 9 10 2 2
Mountain Gem Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.900496375,973
All Other Unsecured Loans/Lines of Credit 9.000388580,553
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.25040854,796
Used Vehicle Loans 3.2501,36613,316,782
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.250171,210,204
Total Other Real Estate Loans/Lines of Credit 4.5006143,569
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 10.0001311,303,866
TOTAL LOANS & LEASES 2,44417,785,743

Mountain Gem Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 171,210,2043386,614
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 6143,56900
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 231,353,7733386,614


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Mountain Gem Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes