Mountain America Credit Union

Nestled in the scenic community of Garden Valley, Idaho, the Mountain America branch at 292 Village Cir is your trusted local partner for achieving financial goals with ease. Whether you're looking to secure one of the best auto loans to drive your dream vehicle or exploring competitive mortgage loans and refinancing options, this friendly branch offers expert guidance tailored to your unique needs. Open Monday through Friday from 9:00 a.m. to 6:00 p.m., members can access a broad range of personalized banking services designed to support every stage of life.
At Mountain America Garden Valley, you’ll find comprehensive personal banking solutions including checking and savings accounts that fit your lifestyle, credit cards with rewarding perks, as well as flexible personal loans ideal for debt consolidation. Business owners benefit from merchant services and business loans crafted to help local enterprises grow. Although this location does not offer ATM or drive-thru services, their robust online and mobile banking platforms make managing your finances convenient anytime, anywhere.
Join over 1.2 million members who trust Mountain America’s expertise. Visit the Garden Valley branch today or call 208-462-4222 to experience friendly service and explore how our top auto loans and mortgage financing options can help you reach your financial dreams!

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, where we believe in building strong financial futures for our members. Located at 292 Village Cir, Garden Valley, ID 83622, our branch is not just a place to manage your money; it's a hub of community support and personalized service. Since our establishment in 1936, we've grown alongside our members, now proudly serving over 1,295,749 individuals with a commitment to their financial well-being. At Mountain America, we understand the importance of trust and reliability in your financial journey. With total assets reaching an impressive $20,276,595,321 and total deposits amounting to $2,498,647,369, we're dedicated to providing the resources you need to achieve your goals. Our robust portfolio includes more than 1,010,477 loans and leases that empower our members to make significant purchases like homes and vehicles. While members can visit us at 292 Village Cir, official correspondence should be sent to 292 Village Cir, Garden Valley, ID 83622-8038. Our team is here for you Monday through Friday from 9:00 AM to 6:00 PM. Whether you're looking for personal banking solutions such as checking and savings accounts or business banking services like merchant services and business loans, we've got you covered. Leadership plays a key role in fostering our community spirit. Under the guidance of CEO Sterling Nielsen and Board President Scott Burt, our dedicated team of 3,426 employees works tirelessly to ensure that you receive the best possible service. We are proud of our net worth of $1,866,422,746 and maintain a healthy cash reserve of $302,213,181 ensuring we're always prepared to serve you. Ready to take the next step in your financial journey? Visit us today or call us at 208-462-4222. At Mountain America, we are more than just a credit union; we are your trusted partner in achieving financial success!

Branch History & Mission

Welcome to Mountain America, where our story is one of growth, community, and dedicated service. Established in 1936, we have proudly served the residents of Garden Valley, Idaho, and beyond for over 85 years. Our branch at 292 Village Cir, Garden Valley, ID 83622, has become a trusted financial partner for individuals and families in the area. Over the years, Mountain America has evolved significantly. From our humble beginnings as a small credit union, we have grown into a robust institution with a total membership of over 1.2 million members and assets reaching an impressive $20.3 billion. This growth reflects our commitment to providing exceptional financial services tailored to meet the needs of our community. Our mission is simple yet profound: we aim to enhance the lives of our members by delivering quality financial services while also supporting the communities we serve. We believe that when our members thrive, our communities flourish. Our offerings include personal banking solutions like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. We also support local businesses through merchant services and business loans. While members can visit us at our physical location in Garden Valley, official correspondence should be sent to our mailing address at 292 Village Cir, Garden Valley, ID 83622-8038. At Mountain America, we are committed to embracing technology to better serve you. Our digital banking options include online banking, mobile payments, and person-to-person transfers making it easier than ever to manage your finances from anywhere. We prioritize accessibility and compliance with ADA standards to ensure that everyone in our community can benefit from our services. Community outreach is at the heart of what we do. Through various partnerships and initiatives, we strive to make a positive impact on local organizations and events. Whether it's sponsoring youth sports teams or organizing financial literacy workshops, we are dedicated to giving back. We invite you to experience the Mountain America difference for yourself. Join us today and discover how we can help you achieve your financial goals while being part of a supportive community network. For more information or assistance, feel free to reach out at 208-462-4222 during our operating hours: Monday through Friday from 9:00 AM to 6:00 PM. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access

Finding us is easy! We're situated near local favorites and landmarks that make it simple to drop by. Plus, we have ample parking available for our members. Our branch is designed with accessibility in mind, ensuring everyone can visit us comfortably. While members can visit us at 292 Village Cir, official correspondence should be sent to our mailing address at 292 Village Cir, Garden Valley, ID 83622-8038. We want to ensure your communications reach us without delay!

Get in Touch

If you have any questions or need assistance before your visit, don't hesitate to call us at 208-462-4222. We look forward to welcoming you into the Mountain America family! Come see how we can help you achieve your financial goals today!

Operating Hours

We understand that life can get busy, which is why we offer convenient banking hours from Monday through Friday, 9:00 AM to 6:00 PM. Whether you need assistance with checking and savings accounts, auto loans, or personal loans, our friendly team is ready to assist you during these hours.

Services Offered

At Mountain America, we pride ourselves on providing a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards there's something for everyone. While we do not have an ATM or drive-thru service at this location, our knowledgeable staff is always on hand to help you navigate online and mobile banking options.

Member Eligibility

Becoming a member of Mountain America is like joining a welcoming family that's dedicated to supporting your financial journey. If you're looking to join, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in the areas we serve. This means you could be just a step away from accessing a range of personalized services designed to help you achieve your goals. Whether you're interested in checking and savings accounts, auto loans, or credit cards with rewards, there's something here for everyone. To explore more about how you can become a member at Mountain America, you can visit our detailed eligibility page at . It's easy to get started just give us a call at (208) 462-4222, and our friendly team will guide you through the process. We're excited to welcome you into our community at 292 Village Cir Garden Valley Id 83622!

Business Banking & Commercial Services

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.

Merchant Services

Imagine having a reliable partner that makes transactions easy for your customers. Our merchant services provide the tools you need to accept payments effortlessly. From credit card processing to mobile payments, we help simplify sales so you can focus on what you do best running your business. If you're located near 292 Village Cir, Garden Valley, ID 83622, visit us or call us at 208-462-4222 to learn how we can tailor our services to meet your business needs. At Mountain America, your success is our priority!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options are here to help make that dream a reality. With competitive rates and personalized service, securing the right loan has never been easier. Picture yourself driving off in your new vehicle while knowing you got an excellent deal through Mountain America.

Business Banking Solutions

Business owners also have a place at Mountain America. With our business banking services, including merchant services and business loans, we support local enterprises in thriving within the community. Whether you're starting a new venture or expanding an existing one, we're here to provide the financial backing you need.

Credit Cards with Rewards

For those who enjoy rewards on their purchases, our credit cards come with enticing benefits that can enhance your shopping experience. Use them for everyday expenses and watch as points accumulate towards exciting rewards making it feel like every purchase counts!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can easily manage accounts from anywhere at any time whether it's transferring money between accounts or making payments using mobile payments. Plus, our person-to-person payment feature makes sending money to friends or family as easy as a few taps on your smartphone. We invite you to visit us at 292 Village Cir Garden Valley Id 83622 or call us at (208) 462-4222 for more information about how we can serve your financial needs better. With Mountain America, you're not just a member; you're part of a community that cares about your success!

Mortgage Loans & Refinancing

If home ownership is on your radar, consider our mortgage loans and refinancing services. We aim to simplify the process so that you can focus on what matters most finding the perfect home for you and your family. Our knowledgeable staff will guide you through each step, ensuring you get the best possible terms.

Personal Banking

For those seeking personal banking solutions, we provide a variety of checking and savings accounts tailored to fit your lifestyle. Imagine easily accessing your funds online or through our mobile app while keeping track of your budget with e-statements. We understand that life can be unpredictable, which is why our personal loans and debt consolidation options are designed to help you navigate financial bumps in the road smoothly.

Digital & Online Banking

Key Features

We know that security is a top priority for our members. That's why we provide electronic signature authorization, allowing you to sign documents safely online without any hassle. Plus, our commitment to privacy means you can trust that your information is protected. If you're looking to go paperless, we also offer e-statements for easy access to your financial records. You'll receive your statements electronically no more clutter from paper statements piling up! Our mobile application makes banking even simpler. With just a few taps, you can make person-to-person transfers effortlessly. Want to split the bill with friends? It's as easy as sending a text! And if you're on the go, our mobile payments feature lets you pay directly from your phone at participating merchants. At Mountain America, we're dedicated to providing services that enhance your banking experience. Whether it's managing your accounts or making payments quickly and securely, our digital solutions are tailored for today's busy lifestyle. Join us online and discover how simple banking can be!

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 understand that trust is built through transparency and reliability, which is why we are proud to share our financial strength with you. 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 commitment to your financial goals is reflected in the $285,235 in used auto loans and $16,366,923,635 in total loans and leases that support your diverse needs. Our operational efficiency is also evident in our performance reflected by our $0. This enables 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. Total Share and Deposit Accounts stand at 3,572,351, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments are at $180,378,688, further demonstrating our capacity to support your financial aspirations. 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 292 Village Cir Garden Valley Id 83622 or call (208) 462-4222 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

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. We provide flexible terms and competitive rates to ensure that financing your next vehicle is as easy as possible.

Business Financing

For business owners looking to expand or invest in their ventures, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and succeed. At Mountain America Credit Union, we're dedicated to providing personalized service and support throughout your borrowing journey. If you're considering refinancing options or want to learn more about eligibility requirements for any of our loan products, feel free to reach out. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. We look forward to helping you secure the financing you need!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,967,627,006, perfect for those looking to invest in their future.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why 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. Whether you're planning a big purchase or need help with cash flow management, our credit cards are designed with your needs in mind.

Loan Aggregator

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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). This commitment ensures fair and transparent offers for users.

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