Mountain America Credit Union

Nestled in the vibrant Phoenix community, the Mountain America branch at 10810 N Tatum Blvd Ste 114 is your local destination for trusted financial solutions designed to fit your lifestyle. Whether you’re gearing up to finance your next vehicle with some of the best auto loans available or looking to secure low mortgage rates for your dream home, this branch offers expert guidance and personalized service Monday through Friday from 9:00 a.m. to 6:00 p.m. While there’s no drive-thru, members enjoy convenient ATM access for quick cash withdrawals and balance checks.
Serving over 1.2 million members with assets surpassing $20 billion, Mountain America provides a full range of services including personal checking and savings accounts, credit cards with rewarding perks, business banking solutions like merchant services and business loans, plus flexible personal loans ideal for debt consolidation. Their robust online and mobile banking platforms make managing your finances effortless anytime, anywhere.
Experience friendly, community-focused banking combined with top-tier auto financing and mortgage refinancing options at Mountain America Phoenix. Visit today or call 480-448-2297 to discover how this welcoming branch can help you unlock your financial potential!

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, your trusted financial partner located at 10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028. Since our establishment in 1936, we have proudly served over 1,295,749 members with a commitment to enhancing their financial well-being. With total assets exceeding $20,276,595,321 and total deposits of $2,498,647,369, we are dedicated to providing you with reliable banking solutions tailored to your needs. At Mountain America, we understand the importance of community and strive to make a positive impact. Whether you're looking for personal banking options like checking and savings accounts or financing solutions such as auto loans and mortgages, we've got you covered. Our experienced team is here to guide you through every step of your financial journey. With a strong net worth of $1,866,422,746 and cash in hand totaling $302,213,181, we ensure that your hard-earned money is not just safe but also working for you. Our CEO, Sterling Nielsen, along with Board President Scott Burt, leads our talented workforce of 3,426 employees who are dedicated to serving you better every day. While members can visit us at our branch location on Tatum Boulevard for all their banking needs, official correspondence should be directed to the same address. If you have any questions or need assistance, don't hesitate to give us a call at 480-448-2297. Join us at Mountain America and experience the difference of a credit union that truly cares about its members. Visit our website at www.macu.com to learn more about our services or stop by today!

Branch History & Mission

Join Us

We invite you to become part of our growing family at Mountain America. Experience firsthand how we can help you navigate your financial journey while making meaningful contributions to the community we all cherish. Visit us during our operating hours, Monday through Friday from 9:00 AM to 6:00 PM, and discover the difference that membership can make in your life!

Our Journey

From our humble beginnings, Mountain America has evolved significantly. Initially established to meet the financial needs of a few, we have now amassed total assets of over $20.28 billion. This growth has enabled us to offer a wide array of services including personal banking, auto loans, mortgages, and business banking solutions. We pride ourselves on being more than just a bank; we are a resource for individuals and families looking to build better futures. Our evolution reflects not only our growth but also our dedication to innovation. We have embraced digital advancements that ensure our members can access their accounts through online and mobile banking whenever they need it. With features like electronic signatures and mobile payments, managing finances has never been easier or more convenient.

Our Mission

At Mountain America, our mission is simple yet profound: we are here to help you achieve your financial goals while supporting our community. We believe that everyone deserves access to quality financial services. Our team is committed to providing personalized support and guidance tailored to your unique needs. We also actively engage in community outreach initiatives, partnering with local organizations to uplift those around us. Whether it's sponsoring events or offering financial education workshops, we strive to make a positive impact within Phoenix and beyond. While members can visit us at 10810 N Tatum Blvd Ste 114, official correspondence should be sent to the same address as our mailing address. We invite you to reach out with any questions at 480-448-2297.

Branch Location & Accessibility

Contact Us Today!

Have questions? Feel free to call us at 480-448-2297. We're excited to help you navigate your financial journey at Mountain America. Come visit us soon!

Nearby Landmarks and Accessibility

Our branch sits near popular spots like the Paradise Valley Mall, making it easy to drop in while running errands or enjoying a day out. We prioritize accessibility for all members, featuring ADA-compliant entrances and ample parking to ensure that your visit is comfortable and hassle-free.

Operating Hours and Services

We understand that your time is valuable. That's why we're open Monday through Friday from 9:00 AM to 6:00 PM, providing flexibility for your banking schedule. Our friendly staff is here to assist you with a range of services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. For those on the go, we also offer ATM access right at our branch for quick withdrawals and balance checks.

Member Eligibility

Becoming a member of Mountain America is like joining a warm, welcoming family that's dedicated to your financial well-being. To be eligible, you simply need to live, work, or worship in the areas we serve, or have a connection with our existing members. This means whether you're a long-time resident or new to the community, there's a place for you here. Membership not only opens the door to competitive rates and personalized service but also gives you access to a wide range of financial products tailored just for you. If you want to learn more about the specific eligibility criteria, feel free to check out this resource. When you're ready to take the next step, opening an account at Mountain America is easy and straightforward. You can reach us at (480) 448-2297 for any questions or visit us at our branch located at 10810 N Tatum Blvd Ste 114 Phoenix Az 85028. We're excited to help you start your journey with us!

Business Banking & Commercial Services

Loan Options for Growth

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.

Merchant Services that Matter

In addition to loans, we offer practical merchant services designed to make your daily operations smoother. From easy payment processing solutions that keep your cash flow steady to tools that simplify managing transactions, we have what it takes to help your business run efficiently. You can focus on what you do best serving your customers while we handle the financial side. Visit us at our branch located at 10810 N Tatum Blvd Ste 114 Phoenix Az 85028 in Phoenix, AZ or give us a call at (480) 448-2297 to learn how we can partner together for your business success!

Comprehensive List Of Services

Business Banking Support

If you're a business owner in need of support, Mountain America has got you covered. Our business banking services, including merchant services and business loans, are tailored to help your business thrive. We believe that supporting local businesses strengthens our community as a whole.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking services so you can manage your finances anytime, anywhere. With features like mobile payments and person-to-person transfers, staying on top of your finances has never been easier. Our branch also provides ATM and cash withdrawal services, ensuring that accessing your money is quick and hassle-free. You can rely on our basic ATM access for withdrawals and balance checks whenever needed.

Personal Banking Solutions

We understand that managing your finances is a top priority. That's why we offer a variety of personal banking services including checking and savings accounts tailored to fit your lifestyle. If you're in the market for a new car, our auto loans and vehicle financing options can help make that dream a reality without stretching your budget too thin. Plus, if you're considering buying a home or refinancing an existing mortgage, our mortgage loans and refinancing options are designed to guide you through the process smoothly. For those looking to consolidate debt or simply need some extra cash for personal projects, our personal loans can provide quick access to funds at competitive rates. And don't forget about our credit cards with rewards they're perfect for everyday purchases while earning you benefits!

Visit Us Today!

At Mountain America in Phoenix, AZ, we pride ourselves on being more than just a financial institution; we're your partners in achieving financial well-being. If you're ready to explore how we can assist you further or have any questions about our services, don't hesitate to call us at 480-448-2297 during our lobby hours from Monday to Friday, 9:00 AM - 6:00 PM. Let us help you take the next step towards financial success! Visit us today at Mountain America or stop by our branch to get started!

Digital & Online Banking

Key Features

Our online banking platform offers a range of user-friendly features that cater to all your financial needs. Need to check your balance or transfer funds? You can do this easily from the comfort of your home. We also provide electronic statement options, allowing you to view your account statements whenever you need them no more waiting for paper copies in the mail. Plus, with electronic signature authorization, signing documents has never been simpler or more efficient. For those on the go, our mobile application is designed to fit seamlessly into your lifestyle. You can make mobile payments with ease, whether you're shopping at the store or paying for services online. If you want to send money to friends or family, our person-to-person transfer feature lets you do that quickly and securely without any hassle.

Security and Accessibility

Your security is our priority. Our digital banking services come equipped with robust security measures to keep your information safe while giving you peace of mind. Accessing your accounts is straightforward and intuitive, ensuring that everyone regardless of tech-savviness can navigate their finances without stress. Whether you're checking balances, making payments, or managing transfers, Mountain America ensures that you have real-time access to your accounts right at your fingertips. Join us today and experience the convenience of modern banking designed with you in mind!

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 maintaining a strong financial foundation, allowing us to serve our community with confidence and reliability. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 supports members' financial goals across various sectors, with $285,235 in used auto loans and $16,366,923,635 in total loans and leases. Our 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 10810 N Tatum Blvd Ste 114 Phoenix Az 85028 or call (480) 448-2297 to learn more about how we can help you achieve your financial goals.

Loan Offering

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 a new model or a reliable pre-owned vehicle, our auto loan options can fit your budget and lifestyle. We also offer refinancing options if you're looking to lower your monthly payments or adjust your loan terms.

Business Financing

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand your operations. Whether you're starting a new venture or enhancing an existing one, our dedicated team is ready to support your business aspirations. Our team at Mountain America, located at 10810 N Tatum Blvd Ste 114 Phoenix Az 85028, Phoenix, AZ, is committed to finding the right solutions for you. If you're interested in exploring any of these loan products further or have questions about eligibility, please feel free to reach out at (480) 448-2297. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey starts here let us guide you every step of the way!

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 provide competitive rates and personalized service to help you navigate the path to owning your own home.

Unsecured Credit Card Loans

Managing finances can be challenging, but we're here to help with flexible terms on unsecured credit card loans. With a total of $981,936,213 in loans assisting our members, you can enjoy the benefits of easy access to funds when you need them most. This option is great for unexpected expenses or consolidating debt.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh helps users navigate the often confusing world of loans. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This commitment to accuracy means that users can trust the information they receive when comparing loan options. One of the standout features of LendMesh is its emphasis on verified data. All loan offers come from legitimate financial institutions, which enhances transparency in the comparison process. Furthermore, LendMesh does not include sponsored listings; lenders are not prioritized based on paid promotions. This means users see unbiased results that truly reflect the best options available. In addition to offering verified data and unbiased listings, LendMesh provides real-time rate comparisons from multiple institutions. This ensures that users have access to up-to-date loan rates, helping them make informed decisions tailored to their specific needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this 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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