Mountain America Credit Union

Nestled in the heart of Apache Junction, the Mountain America branch at 220 E Old West Hwy is more than just a convenient banking location—it’s a community cornerstone where members enjoy trusted financial solutions tailored to their needs. Whether you’re looking for some of the best auto loans to drive your dreams forward or seeking low mortgage rates to make homeownership a reality, this branch offers personalized service with a friendly touch. Open Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays until 2:00 p.m., members benefit from full-service drive-thru banking and easy ATM access for deposits, withdrawals, and balance checks.
Mountain America proudly serves over 1.2 million members with more than $20 billion in assets, offering a comprehensive suite of services including personal checking and savings accounts, credit cards with rewarding perks, business banking solutions, and flexible personal loans for debt consolidation. Their robust online and mobile platforms ensure you can manage your finances anytime, anywhere.
Experience local service combined with expert guidance on auto financing and mortgage refinancing at Mountain America Apache Junction. Visit today or call 480-372-2531 to explore how this welcoming branch can help you achieve your financial goals!

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
home equity
10-year fixed home equity loan
7.24 %
0.8 Yrs
home equity
12-year fixed home equity loan
7.74 %
1 Yrs
home equity
15-year fixed home equity loan
8.24 %
1.2 Yrs
heloc
Home equity line of credit
8.25 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
15-year fixed mortgage
5.625 %
5.838 %
15.0 Yrs
CONVENTIONAL
FIXED
10-year fixed mini mortgage
5.74 %
5.74 %
10.0 Yrs
CONVENTIONAL
FIXED
20-year fixed mortgage
6.125 %
6.297 %
20.0 Yrs
CONVENTIONAL
FIXED
12-year fixed mini mortgage
6.24 %
6.24 %
12.0 Yrs
CONVENTIONAL
FIXED
30-year fixed mortgage
6.49 %
6.623 %
30.0 Yrs
CONVENTIONAL
FIXED
15-year fixed mini mortgage
6.74 %
6.74 %
15.0 Yrs
CONVENTIONAL
FIXED
15-year fixed mortgage
5.625 %
5.838 %
15.0 Yrs
CONVENTIONAL
FIXED
20-year fixed mortgage
5.99 %
6.161 %
20.0 Yrs
CONVENTIONAL
ADJUSTABLE
7/6 adjustable rate mortgage
6.25 %
6.861 %
7.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/6 adjustable rate mortgage
6.25 %
6.98 %
5.0 Yrs
CONVENTIONAL
FIXED
30-year fixed mortgage
6.49 %
6.623 %
30.0 Yrs
CONVENTIONAL
ADJUSTABLE
7/6 first-time homebuyer adjustable rate mortgage
7.0 %
7.296 %
7.0 Yrs
CONVENTIONAL
FIXED
40-year first-time homebuyer with 15-year balloon
7.125 %
7.328 %
40.0 Yrs
CONVENTIONAL
ADJUSTABLE
10/6 adjustable rate mortgage
7.25 %
7.389 %
10.0 Yrs
CONVENTIONAL
FIXED
Construction loan
7.25 %
7.933 %
30.0 Yrs
CONVENTIONAL
FIXED
100% first-time-homebuyer
7.5 %
7.684 %
40.0 Yrs
CONVENTIONAL
FIXED
20-year lot loan with 7-year balloon
7.625 %
8.088 %
20.0 Yrs
CONVENTIONAL
FIXED
15-year fixed second mortgage
7.75 %
8.038 %
15.0 Yrs
CONVENTIONAL
FIXED
30-year fixed second mortgage with 15-year balloon
8.0 %
8.216 %
30.0 Yrs
CONVENTIONAL
FIXED
20-year fixed second mortgage
8.25 %
8.488 %
20.0 Yrs
CONVENTIONAL
FIXED
10-year lot loan
8.25 %
8.783 %
10.0 Yrs
JUMBO
FIXED
30-year jumbo
6.5 %
6.609 %
30.0 Yrs
JUMBO
FIXED
15-year jumbo
7.0 %
7.183 %
15.0 Yrs
JUMBO
FIXED
20-year jumbo
7.625 %
7.776 %
20.0 Yrs
VA
FIXED
15-year VA
5.5 %
5.989 %
15.0 Yrs
VA
FIXED
30-year VA
5.99 %
6.287 %
30.0 Yrs
FHA
FIXED
15-year FHA
5.25 %
6.108 %
15.0 Yrs
FHA
FIXED
30-year FHA
5.875 %
6.705 %
30.0 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
New & used
5.74 % - 5.99 %
5 Yrs - 6 Yrs
Recreational
Large RV
7.99 %
15 Yrs
Recreational
Boat loan
7.99 %
15 Yrs
Recreational
Small RV/ATV
7.99 % - 8.24 %
5 Yrs - 6 Yrs

Introduction

At Mountain America, we believe in building strong relationships and supporting our community, one member at a time. Located at 220 E Old West Hwy, Apache Junction, AZ 85119, our branch has been a trusted financial partner since 1936. With a commitment to exceptional service, we proudly serve over 1,295,749 members who rely on us for their personal and business banking needs. As a member-owned credit union, we prioritize your financial well-being. With total assets exceeding $20,276,595,321 and deposits reaching $2,498,647,369, we have the stability and resources to help you achieve your financial goals. Whether you're looking for auto loans or personal banking services, we offer tailored solutions to meet your needs. Our experienced team, led by CEO Sterling Nielsen and Board President Scott Burt, is dedicated to providing personalized assistance and guidance. We understand that convenience matters. That's why our branch features both ATM and drive-thru services to make banking easier for you. While you can visit us at our physical location for all your banking needs, official correspondence should be sent to the same address: 220 E Old West Hwy, Apache Junction, AZ 85119. Join us at Mountain America today! Give us a call at 480-372-2531 or visit our website at www.macu.com to learn more about how we can support you on your financial journey. Your success is our mission!

Branch History & Mission

Mountain America, located at 220 E Old West Hwy in Apache Junction, AZ, has been a vital part of this community since it opened its doors in 1936. With a rich history spanning over eight decades, our branch has grown from humble beginnings into a robust financial institution serving over 1.2 million members and holding total assets of $20.3 billion. As we reflect on our journey, it's clear that our mission has always been about more than just banking. We strive to empower our members to achieve their financial goals while providing unwavering support to the communities we serve. Our commitment to personal banking services ranging from checking and savings accounts to auto loans and mortgages ensures that we meet the diverse needs of those who walk through our doors. At Mountain America, we believe in making banking accessible for everyone. That's why we offer modern conveniences like online and mobile banking, along with ATM services available on-site for quick cash withdrawals and balance checks. For those who prefer face-to-face interactions, our drive-thru service provides easy access for simple transactions without leaving your vehicle. While members can visit us at 220 E Old West Hwy, official correspondence should be sent to the same address. We are proud to be ADA compliant, ensuring that all individuals can enjoy our services without barriers. Our mission extends beyond financial services; it includes a strong commitment to community outreach. We actively engage in various local initiatives, partnering with organizations that uplift and support residents of Apache Junction and surrounding areas. This dedication is evident in everything we do. Today, as we stand at the forefront of financial innovation while honoring our legacy, we invite you to become part of the Mountain America family. Join us and experience the benefits of personalized service and community-focused banking. For more information or assistance, feel free to reach out at 480-372-2531 during our operating hours: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. Let's build a brighter financial future together!

Branch Location & Accessibility

Accessibility Features

At Mountain America, we prioritize accessibility for all our members. Our branch is ADA compliant and features ramps and designated parking spaces to ensure that everyone can access our services comfortably. Whether you're visiting us for a quick transaction or spending some time with one of our financial advisors, we aim to provide a welcoming environment.

Operating Hours

We understand that life can get busy! That's why our lobby hours are designed with your schedule in mind. We're open Monday through Friday from 9:00 AM to 6:00 PM and on Saturdays from 9:00 AM to 2:00 PM. If you need assistance outside of these hours, feel free to use our ATM services available on-site, providing you with around-the-clock access to your funds.

Services Offered

Our Apache Junction branch offers a wide range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Additionally, we provide convenient drive-thru banking for deposits and withdrawals along with online and mobile banking solutions. We invite you to drop by or give us a call at 480-372-2531 if you have any questions or need assistance. At Mountain America, we're not just about banking; we're about building relationships with our members. Come see how we can help you achieve your financial goals today!

Member Eligibility

At Mountain America, we believe that becoming a member is like joining a close-knit community where your financial wellbeing is our priority. If you're wondering whether you can join us, the good news is that membership is open to a variety of individuals! Generally, anyone who lives, works, or worships in the Apache Junction area qualifies. It's all about bringing people together to help each other thrive financially. You can find more specific details about eligibility at this link, which will guide you through the criteria and make sure you're all set to enjoy our services. Opening an account with us is simple and welcoming. Just give us a call at (480) 372-2531, and we'll be happy to walk you through the process or answer any questions you might have. Whether you're interested in personal banking, auto loans, or any of our other services, becoming a member at Mountain America means gaining access to competitive rates and personalized support tailored just for you. We can't wait to welcome you into our family at 220 E Old West Hwy Apache Junction Az 85119!

Business Banking & Commercial Services

Merchant Services that Matter

In addition to loans, we offer merchant services that simplify transactions for business owners. Imagine being able to accept payments easily, whether online or in-person. This not only enhances customer satisfaction but also boosts your bottom line. Our services ensure you can focus on what truly matters running your business. Visit us at 220 E Old West Hwy Apache Junction Az 85119 in Apache Junction, AZ or call us at (480) 372-2531 to learn more about how we can help your business thrive!

Tailored Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5,373 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $2,148,145,550, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Financial Services

We also understand that life can throw unexpected expenses your way. That's why our personal loans and debt consolidation services are here to help you regain control over your finances. Plus, our credit cards come with rewards that allow you to earn points on everyday purchases think of it as a little bonus for spending! If you're a business owner, we have you covered too! Our business banking solutions include merchant services and business loans tailored for entrepreneurs looking to grow their ventures.

Convenient Access and Support

At Mountain America, convenience is key. We have an ATM available at our location for quick cash withdrawals or balance checks whenever you need them. Our basic drive-thru banking allows for easy deposits and withdrawals without leaving your vehicle perfect for busy days when every minute counts. And if you prefer conducting transactions from home or on the go, take advantage of our mobile payments feature. With just a few taps on your device, managing your finances becomes effortless. Feel free to reach out to us at 480-372-2531 if you have any questions about our services or need assistance opening an account. Our friendly team is eager to help!

Join Us Today!

Whether you're starting fresh with a new account or seeking support for existing financial goals, Mountain America is committed to being there for you. Visit us today at 220 E Old West Hwy, explore what we offer, and experience firsthand how we can assist you in achieving financial success. Your journey begins here!

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that are perfect for managing your day-to-day finances. Imagine having easy access to your money through our online and mobile banking options. You can check balances, transfer funds, and pay bills right from your smartphone making banking simpler than ever. For those in need of financing, we provide auto loans and vehicle financing options tailored to fit various budgets. Picture yourself cruising in that new car while enjoying competitive rates and flexible terms. If homeownership is on your mind, our mortgage loans and refinancing services make buying or upgrading your home more accessible.

Digital & Online Banking

Key Services

Our online banking service allows you to check balances, transfer funds, and pay bills with just a few clicks. You can even set up electronic statements, making it easy to stay organized and environmentally friendly no more paper clutter! Plus, if you're on the go, our mobile application provides all the functionality you need right in the palm of your hand. When it comes to transactions, we've got you covered with features like person-to-person transfers. Whether you're splitting a dinner bill or sending money to a friend, it's simple and quick. For added convenience, our mobile payments feature lets you make purchases directly from your smartphone.

Security and Accessibility

Security is our top priority. With electronic signature authorization available, signing documents has never been easier or safer. You can trust that your information is protected while still enjoying the ease of accessing your accounts whenever you need to. At Mountain America, we strive to make banking accessible for everyone. Whether you prefer using a computer or your mobile device, managing your finances has never been simpler. Experience the freedom of real-time account management with our digital banking tools today!

Financial Strength

At Mountain America, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a strong commitment to serving our community, we are proud to showcase our financial strength and the measures we take to ensure your peace of mind. With a net worth of $1,866,422,746, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is further emphasized by our net worth ratio of $920, which ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $6,145,617,325 in share certificates and $6,008,999,239 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $393,835,221, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our strong performance is also reflected in our undivided earnings of $1,845,749,365, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures for your benefit. With $285,235 in used auto loans and $16,366,923,635 in total loans and leases, our lending capacity supports your financial goals across various sectors. We are committed to operational efficiency as demonstrated by our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. Our dedicated team consists of 3,027 full-time employees and 399 part-time employees who are always ready to serve you with knowledge and care. Our commitment to you goes beyond just numbers; it reflects the trust placed in us by over 3,572,351 members who choose us for their financial needs. We encourage you to reach out with any questions or visit us at 220 E Old West Hwy Apache Junction Az 85119, located conveniently in Apache Junction, AZ. You can also call us at (480) 372-2531 for more information about how we can help you achieve your financial goals. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mountain America is your trusted partner. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already issued $4,936,086,560 in used vehicle loans and $1,444,883,578 in new vehicle loans, helping our members get on the road efficiently. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, our auto loans can be tailored to fit your budget.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to expand operations or invest in new equipment. Our team at Mountain America is committed to supporting our members through personalized service and guidance throughout the borrowing process. We are here to answer any questions you may have about eligibility for our various loan products and assist you with refinancing options if needed. You can find us at 220 E Old West Hwy, Apache Junction, AZ 85119. Feel free to reach out at 480-372-2531 during our lobby hours: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how we can assist you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $1,967,627,006. These solutions make buying or refinancing straightforward and accessible. If you're considering refinancing your existing mortgage, we have options available to help reduce your monthly payments or tap into your home's equity.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $981,936,213 in loans helping members manage their finances effectively, these credit cards can be an excellent way to cover unexpected expenses while building your credit history.

Loan Aggregator

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