Mountain America Credit Union

Nestled in the vibrant community of Mesa, the Mountain America branch at 4325 E Southern Ave is your trusted partner for achieving financial success. Whether you're looking to secure some of the best auto loans in Arizona or exploring competitive mortgage loans and refinancing options, this branch provides personalized service tailored to your goals. Open Monday through Friday from 9:00 a.m. to 6:00 p.m., members enjoy expert guidance on vehicle financing and homeownership solutions designed to fit their unique needs.
With over 1.2 million members and assets exceeding $20 billion, Mountain America Mesa offers a comprehensive range of services including personal checking and savings accounts, credit cards with rewarding benefits, business banking solutions like merchant services and business loans, plus flexible personal loans for debt consolidation. While this location does not have an ATM or drive-thru, its robust online and mobile banking platforms make managing your finances convenient anytime, anywhere.
Experience friendly local service combined with top-tier auto financing and mortgage products that empower your financial journey. Visit Mountain America Mesa today or call 480-985-2268 to discover how we can help you drive forward with confidence!

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

Welcome to Mountain America at 4325 E Southern Ave, Mesa, AZ 85206, where our commitment to your financial well-being is at the heart of everything we do. Established in 1936, we have proudly served our community for over 85 years, growing alongside our valued members. Today, we are honored to support a robust membership of 1,295,749 individuals and families who trust us with their financial needs. At Mountain America, we understand that managing finances can be overwhelming, which is why we offer a range of services designed to simplify your banking experience. From personal checking and savings accounts to auto loans and mortgage refinancing, our diverse offerings are tailored to help you achieve your financial goals. With total assets of $20,276,595,321 and total deposits reaching $2,498,647,369, we are dedicated to ensuring your money is safe and secure. Our leadership team reflects our dedication to serving you better. Led by CEO Sterling Nielsen and Board President Scott Burt, our talented staff of 3,426 employees works tirelessly to provide exceptional service. Whether you have questions about loans or need assistance with online banking, we are here for you every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 4325 E Southern Ave, Mesa, AZ 85206. If you're ready to take the next step in managing your finances or have any inquiries, feel free to reach out by phone at (480) 985-2268 during our lobby hours from Monday through Friday between 9:00 AM - 6:00 PM. Join us at Mountain America where community matters and your financial journey begins! Visit our website at www.macu.com for more information on how we can assist you today.

Branch History & Mission

Community Engagement

Our commitment extends beyond banking. We actively participate in various community initiatives and partnerships aimed at making a positive difference in the lives of those around us. Whether it's sponsoring local events or providing financial literacy workshops, we strive to uplift our neighbors and foster a vibrant community spirit. Join us at Mountain America! Experience how we can help you achieve your financial goals while being part of something greater. Connect with us today by calling 480-985-2268 or visiting our website for more information about membership and services. Together, let's build a brighter future!

Our Journey

From our humble beginnings to becoming a trusted financial partner, Mountain America's story is one of dedication and growth. We started as a small credit union focused on helping local residents achieve their financial goals. Today, we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Each step of our journey has been guided by our commitment to providing exceptional service while fostering a sense of community.

Our Mission

At Mountain America, our mission is simple yet impactful: to serve our members with integrity and compassion while supporting the communities we call home. We believe in not just offering financial services but also empowering individuals through education and resources. This mission drives us to build long-lasting relationships with our members and engage in meaningful outreach efforts across Mesa and beyond. While members can visit us at 4325 E Southern Ave, official correspondence should be sent to the same address as our mailing address is identical. We are committed to accessibility; though we currently do not have ATM or drive-thru services available at this location, our friendly staff is ready to assist you during our operating hours from Monday to Friday from 9:00 AM to 6:00 PM.

Branch Location & Accessibility

Call to Action

We invite you to stop by Mountain America at 4325 E Southern Ave in Mesa or give us a call at 480-985-2268 for any questions or assistance you may need. Come experience how we can help you achieve your financial goals today!

Nearby Landmarks and Accessibility Features

You can find us conveniently located near popular spots like the Mesa Riverview Park and just a short drive from the bustling Mesa Marketplace. Our branch is equipped with ample parking spaces and features that comply with ADA standards, ensuring everyone has easy access to our services. While members can visit us at our physical location, all official correspondence should be sent to our mailing address: 4325 E Southern Ave, Mesa, AZ 85206. We want to make sure you have all the information you need at your fingertips!

Operating Hours and Services Offered

Our friendly staff is ready to serve you during our operating hours from Monday through Friday, 9:00 AM to 6:00 PM. If you're looking for a wide range of banking options, we offer everything from checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards. Plus, enjoy the ease of online and mobile banking managing your finances has never been easier!

Member Eligibility

At Mountain America, we believe in creating a welcoming community where everyone can feel at home. Becoming a member is as simple as meeting a few friendly criteria. If you live, work, or attend school in certain areas, or if you have family members who are already part of our credit union, you're likely eligible to join us! We are committed to supporting our members with personalized services that make financial management easier and more rewarding. To learn more about the specific eligibility details, check out this resource: . Once you know you're eligible, opening an account is straightforward and hassle-free. Just stop by our branch located at 4325 E Southern Ave Mesa Az 85206 during business hours, or give us a call at (480) 985-2268 for assistance. Our team is here to guide you every step of the way, ensuring your experience is smooth and enjoyable. Join us today and discover all the benefits that come with being a part of Mountain America!

Business Banking & Commercial Services

Merchant Services for Smooth Operations

In today's fast-paced world, having efficient merchant services is crucial for any business. From processing payments seamlessly to managing transactions easily, our solutions help you focus on what really matters growing your business. Located conveniently at 4325 E Southern Ave Mesa Az 85206, Mesa, AZ 85206, we're here to assist you every step of the way. Contact us at (480) 985-2268 or visit us during lobby hours from Monday to Friday, 9 AM to 6 PM, and let's explore how we can support your business journey together!

Tailored 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. Imagine being able to purchase new equipment or renovate your space without the financial strain. Our flexible loan options can provide the necessary funds to turn your vision into reality.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options offer competitive rates that make it easier for you to drive home in the car of your dreams. Picture yourself behind the wheel of a reliable vehicle, all while enjoying manageable monthly payments tailored to your budget.

Business Banking Services

For small business owners, our business banking services include merchant services and business loans tailored to meet the unique demands of running a business. Whether you're starting a new venture or expanding an existing one, we've got the tools and support you need.

Cash Withdrawal Services

While we currently do not have ATMs at this branch location, we ensure that cash withdrawal services are easily accessible whenever you need them. At Mountain America, we're committed to providing comprehensive financial services that empower our members. With friendly staff ready to assist you and modern conveniences at your fingertips, banking has never been easier. If you're ready to explore how we can help you achieve your financial dreams or if you have any questions about our services, don't hesitate to reach out! Call us at 480-985-2268, or visit us today at 4325 E Southern Ave, Mesa, AZ 85206. Your journey towards financial wellness starts here!

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your accounts anytime, anywhere. Pay bills, transfer funds, or check balances all from the comfort of your home or on-the-go.

Home Loans Made Easy

If buying a home is on your mind, we can assist with mortgage loans and refinancing. Navigating the world of real estate can be overwhelming, but our experienced team is here to guide you through the process. Imagine unlocking the door to your new home with confidence, knowing you've made an informed decision.

Personal Banking Solutions

For those looking to manage their day-to-day finances, our personal banking services include checking and savings accounts designed to help you save and grow your money. Whether you're saving for a vacation or managing everyday expenses, we have options that suit various needs.

Personal Loans & Debt Consolidation

Need extra cash for unexpected expenses? Our personal loans can help cover costs like medical bills or home repairs. Additionally, if you're juggling multiple debts, consider our debt consolidation options to simplify your payments into one easy monthly bill.

Rewarding Credit Cards

Looking for a way to earn while you spend? Our credit cards with rewards allow you to earn points on every purchase. Use them for everyday expenses or special occasions every swipe brings you closer to rewards that can enhance your lifestyle.

Digital & Online Banking

At Mountain America, we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to make managing your finances as easy and secure as possible. With our user-friendly tools, you can access your accounts anytime, anywhere. Our online banking platform at https://www.macu.com/ provides you with 24/7 access to your accounts. Whether you want to check your balance, pay bills, or transfer funds, everything is just a few clicks away. Plus, our electronic signature authorization makes it simple for you to sign documents from the comfort of your home. We also offer e-statements, so you can stay organized and track your transactions without the clutter of paper statements. This feature not only helps the environment but also ensures that your financial information is easily accessible whenever you need it. For those on the go, our mobile application allows you to manage your finances right from your smartphone. You can make mobile payments effortlessly, send money to friends or family with our person-to-person transfers, and keep an eye on your account in real-time all from the palm of your hand. At Mountain America, we prioritize security alongside convenience. You can trust that our digital banking services are equipped with robust security measures to protect your personal information. We strive to provide a banking experience that is both secure and straightforward, allowing you to focus on what matters most. Explore all these features and more by visiting https://www.macu.com/. With Mountain America, banking is not just about numbers; it's about making life easier for you!

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. We pride ourselves on our strong financial foundation, which allows us to provide you with reliable banking services that meet your needs. With a net worth of $1,866,422,746, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $920 demonstrates a solid capital foundation, ensuring 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. With $1,845,749,365 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant, with $285,235 in used auto loans and $16,366,923,635 in total loans and leases supporting your financial goals across various sectors. Our commitment to operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 3,027 full-time employees and 399 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $180,378,688. Total Share and Deposit Accounts: 3,572,351, showing a strong and growing member base that trusts us with their finances. 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. Visit us at 4325 E Southern Ave Mesa Az 85206 or call (480) 985-2268 to learn more about how we can help you achieve your financial goals. *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

Additional Options

If you're considering refinancing options or exploring eligibility for any of our products, please don't hesitate to reach out. Our knowledgeable staff at Mountain America is ready to assist you in understanding all available options so you can make informed decisions. For more information on our loan offerings or to discuss your financial needs, contact us at (480) 985-2268. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,936,086,560 in used vehicle loans and $1,444,883,578 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, our team is here to guide you through the process.

Business Loans

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand your business. Whether you're starting a new venture or looking to upgrade existing operations, we have lending options that can support your ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,967,627,006, make buying or refinancing simple. We know that purchasing a home is one of the most significant decisions you'll make, and we strive to provide you with competitive rates and personalized service.

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. Our credit cards come with various rewards and benefits tailored to meet your spending habits.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures that all loan data is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. By relying on the latest results from trusted institutions (Source: https://www.ncua.gov), LendMesh guarantees that users receive fair and transparent offers. Each comparison reflects genuine rates that you can trust.

Benefits of Using LendMesh

- Verified Data: The loan offers displayed are sourced exclusively from legitimate financial institutions. This ensures a level of transparency that empowers users to understand their options clearly. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The focus is solely on delivering unbiased results, ensuring you can compare loans fairly. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh allows users to see the most current offers available, making it easier to find the right loan for your needs. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness and reliability of the tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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