Mountain America Credit Union

Nestled in the vibrant community of Idaho Falls, the Mountain America branch at 525 W Sunnyside Rd is your trusted partner for personalized financial solutions. Whether you're ready to take advantage of some of the best auto loans or exploring low mortgage rates to purchase or refinance your home, this branch offers expert guidance paired with friendly, local service. Open Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays until 2:00 p.m., members enjoy access to a broad range of services designed to fit every stage of life.
At Mountain America Idaho Falls, you’ll find comprehensive personal banking options including checking and savings accounts, credit cards with rewarding perks, flexible personal loans ideal for debt consolidation, and tailored business banking solutions such as merchant services and business loans. While this location does not offer ATM or drive-thru access, robust online and mobile banking platforms make managing your finances simple and convenient anytime, anywhere.
Join over 1.2 million members who trust Mountain America’s expertise in vehicle financing and mortgage lending. Contact the Idaho Falls branch today at 208-523-1459 or visit http://www.macu.com to experience personalized service and discover how we 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

Welcome to Mountain America, your trusted partner in financial growth and community support. Located at 525 W Sunnyside Rd, Idaho Falls, ID 83402, our branch has been dedicated to serving the needs of our members since 1936. Over the years, we've built a strong foundation with a total membership of 1,295,749 individuals who rely on us for their banking needs. At Mountain America, we take pride in our robust financial health, boasting total assets of $20,276,595,321 and total deposits reaching $2,498,647,369. Our commitment to you is reflected in our substantial loan offerings over 1,010,477 loans and leases which help our members achieve their dreams, from purchasing vehicles to financing homes. Our leadership team is here to guide you every step of the way. Under the direction of CEO Sterling Nielsen and Board President Scott Burt, we strive to create an environment that prioritizes member satisfaction and community involvement. We believe that when our members succeed, so does our community. While members can visit us at our branch for personal banking services such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards, official correspondence should be sent to our mailing address: 525 W Sunnyside Rd, Idaho Falls, ID 83402-4641. Ready to experience personalized banking? Call us today at 208-523-1459 or visit our website at Mountain America to learn more about how we can assist you in achieving your financial goals. Your journey towards financial success starts here!

Branch History & Mission

Our Mission

Our mission at Mountain America is simple yet powerful: we strive to empower our members to achieve their financial goals while fostering a sense of community. We believe in more than just banking; we are dedicated to making a real difference in the lives of those we serve. This commitment extends beyond financial transactions; it encompasses support for local initiatives, charitable events, and partnerships that uplift our neighbors. In addition to traditional banking services, we embrace technology to enhance member experience. With online and mobile banking options available, members can manage their finances conveniently from anywhere. We prioritize accessibility and inclusivity through ADA-compliant facilities and services. While you can visit us at our branch location for all your banking needs 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 official correspondence should be sent to 525 W Sunnyside Rd, Idaho Falls, ID 83402-4641 if different from our physical address. At Mountain America, we also recognize the importance of giving back. Through various outreach programs and community involvement efforts, we aim to strengthen ties within Idaho Falls and beyond. Whether it's sponsoring local events or providing financial literacy workshops, we're here not only as a bank but as an integral part of your community. We invite you to join us on this journey. Experience the benefits of membership with Mountain America today! For more information about our services or how to become a member, please call us at 208-523-1459 or visit our website at www.macu.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Call Us Today!

If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at 208-523-1459. We look forward to welcoming you to Mountain America where your financial goals are our priority!

Convenient Access and Parking

At Mountain America, we prioritize your convenience. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and ample parking spaces right outside our doors. Whether you're visiting us for personal banking or exploring options for auto loans and mortgages, you'll find that getting here is a breeze.

Welcoming Atmosphere and Services

Step inside and experience our friendly atmosphere. Our dedicated team is here to assist you 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. We offer a range of services tailored to meet your needs, including checking and savings accounts, vehicle financing, personal loans, credit cards with rewards, and business banking solutions. While members can visit us at our branch on Sunnyside Road, please note that any official correspondence should be sent to the same address for consistency.

Member Eligibility

At Mountain America, we believe that everyone deserves a chance to join our supportive community and enjoy the many benefits of membership. Becoming a member is simple! If you live, work, or worship in our local area, you're likely eligible to join us. We welcome individuals and families who are looking for a financial partner that truly cares about their needs. For detailed eligibility criteria, feel free to check out our website at . Once you know you qualify, opening an account is straightforward and friendly. You can visit us at 525 W Sunnyside Rd Idaho Falls Id 83402, or give us a call at (208) 523-1459 for any questions you might have. Our dedicated team is here to guide you through the process and help you get started on your journey with Mountain America. We look forward to having you as part of our family!

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 by your side when managing payments and transactions. Our merchant services simplify this process, allowing you to focus on what truly matters your customers. Whether you're accepting payments online or in-store, we provide solutions that streamline operations and enhance your cash flow. If you're looking for a supportive financial partner in Idaho Falls, ID, visit us at 525 W Sunnyside Rd Idaho Falls ID 83402 or give us a call at 208-523-1459. Let's work together to turn your business vision into reality!

Comprehensive List Of Services

Business Banking Services

For business owners, Mountain America offers tailored banking solutions including merchant services and business loans. We understand how vital it is for businesses to have access to funds quickly and efficiently. Our dedicated team is here to support your growth with services crafted specifically for entrepreneurs.

Convenient Access Anytime, Anywhere

With our commitment to digital banking, accessing your accounts has never been easier. Our online platform allows for effortless transactions from the comfort of your home or on-the-go via our mobile application. You can also utilize ATM services for cash withdrawals whenever necessary. If you're ready to explore all that Mountain America has to offer, give us a call at (208) 523-1459 or visit us at 525 W Sunnyside Rd Idaho Falls Id 83402. Let's work together towards achieving your financial dreams!

Home Financing Made Easy

When it comes to home ownership, we offer mortgage loans and refinancing options that make the process straightforward. Our experienced team will guide you through each step, ensuring you understand every detail. Whether you're buying your first home or refinancing an existing mortgage for better rates, we're here to make it easy for you.

Personal Banking Solutions

Our personal banking services include checking and savings accounts tailored to help you reach your financial goals. Imagine being able to track your spending easily with our online and mobile banking platforms. You can deposit checks from home, transfer money instantly, and even set up alerts to stay on top of your finances all at your fingertips! For those planning a big purchase or looking for reliable transportation, our auto loans and vehicle financing options can get you on the road without the stress of high payments. Picture yourself driving away in your dream car with a loan that fits comfortably within your budget.

Supporting Your Financial Well-being

Life can throw unexpected challenges your way, which is why our personal loans and debt consolidation services are designed to provide relief when you need it most. With flexible terms and competitive rates, you can focus on what matters getting back on track financially. Credit is essential for many aspects of life; that's why our credit cards come with rewards that benefit you as you spend. Earn points on everyday purchases while enjoying the convenience of managing everything through our digital banking tools.

Digital & Online Banking

Mobile Application and Payments

Our user-friendly mobile application makes banking on the go a breeze. You can access all your accounts, pay bills, and even make mobile payments effortlessly. Plus, with our person-to-person transfer feature, sending money to friends or family is quick and easy.

Online Banking Services

With our 24/7 online banking services available at https://www.macu.com/, you can check your account balances, view transaction history, and transfer funds with just a few clicks. No need to rush to the branch; everything you need is right at your fingertips.

Real-Time Account Management

Managing your money has never been more straightforward. With features like mobile payments and person-to-person transfers, you'll have real-time control over your finances. This accessibility ensures that you're always in charge of your spending and savings. In summary, Mountain America combines advanced technology with user-friendly design to provide a robust digital banking experience tailored just for you. Whether you prefer using our website or mobile app, we're committed to making your banking experience as smooth as possible. Explore these features today!

Security Features

Your security is our top priority. We offer electronic signature authorization for a safe way to complete transactions without needing paper forms. You can also opt for e-statements to keep your financial information secure and environmentally friendly.

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 strong financial health and a commitment to our community, we are well-equipped to support your financial needs now and in the future. 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 robust financial strength, 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 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, which 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. Net Shares available for lending and investments stand at $180,378,688, while our growing member base is evident with a total of 3,572,351 share accounts. 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 525 W Sunnyside Rd Idaho Falls Id 83402 or call (208) 523-1459 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. We provide financing for both new and used vehicles, ensuring you can choose the best option that suits your needs. Plus, we offer refinancing options if you're looking to lower your current payments.

Business Loans

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. We recognize the importance of supporting local businesses and are dedicated to providing tailored solutions that meet your business needs. We invite you to explore our loan offerings at our branch located at 525 W Sunnyside Rd Idaho Falls ID 83402. If you have any questions or would like more information about our products and services, feel free to reach out to us at 208-523-1459 during our operating hours: Monday-Friday 9:00 AM - 6:00 PM and Saturday 9:00 AM - 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. Your journey toward achieving your financial goals begins here with Mountain America!

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 strive to guide you through the home-buying process and offer personalized assistance every step of the way.

Unsecured Credit Card Loans

Managing day-to-day expenses is essential for everyone. 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. These credit cards come with rewards programs that allow you to earn while you spend.

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 ensures that users receive fair and transparent offers. By collaborating with reputable lenders, LendMesh guarantees that all loan comparisons are accurate and up-to-date.

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