Mountain America Credit Union

Nestled in the heart of Nampa, the Mountain America branch at 112 2nd St S is your friendly neighborhood credit union dedicated to helping you reach your financial goals. Whether you're ready to drive off with some of the best auto loans available or looking to secure low mortgage rates for your dream home, this branch offers personalized support and expert advice Monday through Friday from 9:00 a.m. to 6:00 p.m. With a commitment to member success, Mountain America Nampa provides comprehensive personal banking services including checking and savings accounts, credit cards with rewarding perks, and flexible personal loans perfect for debt consolidation.
Although this location does not offer ATM or drive-thru access, members benefit from convenient cash withdrawal services and robust online and mobile banking platforms that make managing finances effortless anytime, anywhere. Business owners also have access to tailored merchant services and business loans designed to support local growth.
Join over 1.2 million members who trust Mountain America’s expertise and community-focused approach. Visit the Nampa branch today or call 208-466-8163 to experience personalized service and discover how our top auto financing and mortgage solutions can help you achieve financial 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

At Mountain America, we believe in building a strong financial foundation for our members and the community. Located at 112 2Nd St S, Nampa, ID 83651, our branch has been serving you since 1936. With a commitment to providing exceptional service, we proudly support over 1,295,749 members with a wide range of financial products tailored to meet your needs. Whether you're looking for checking and savings accounts, auto loans, or even mortgage refinancing, we are here to help. Our total assets stand at an impressive $20,276,595,321, reflecting our strength and stability. We also have $2,498,647,369 in total deposits and a robust net worth of $1,866,422,746 numbers that underscore our reliability as your trusted financial partner. While you can always visit us at our branch address for personal assistance, please direct any official correspondence to our mailing address at 112 2nd St S, Nampa, ID 83651-3708. Under the leadership of CEO Sterling Nielsen and Board President Scott Burt, our dedicated team of 3,426 employees is committed to enhancing your banking experience. We take pride in offering personalized service and understanding the unique needs of each member. With a focus on community impact and member satisfaction, Mountain America is more than just a credit union; we're a part of your journey towards achieving financial goals. For any questions or support needed along the way, don't hesitate to reach out to us at 208-466-8163. Explore how we can assist you today by visiting our website at Mountain America. Let's build a brighter financial future together!

Branch History & Mission

Mountain America has a proud history rooted in community service and financial empowerment. Established in 1936, our branch in Nampa, Idaho, has been a vital part of the local landscape for decades. Located at 112 2Nd St S, Nampa, ID 83651, we have served countless members with dedication and care. Over the years, we have grown significantly, now boasting a total membership of over 1.29 million and assets totaling more than $20 billion. Our mission is simple yet powerful: to provide accessible financial services while making a positive impact in our community. We believe that everyone deserves the opportunity to achieve their financial goals, whether that's buying a home, financing a vehicle, or starting a business. Our team is committed to guiding members on their journey to financial wellness through personal banking services such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. As we evolved from our humble beginnings into a robust financial institution, we embraced technology to enhance member experiences. Today, we offer online and mobile banking options that allow our members to manage their finances anytime, anywhere. We also ensure our services are accessible to all by maintaining ADA compliance across our facilities. Community outreach remains at the heart of what we do. We actively engage with local organizations and participate in various initiatives aimed at supporting education, health, and economic development in Nampa and beyond. Through partnerships with schools and nonprofits, we strive to make a meaningful difference in the lives of those around us. While you can visit us at our branch location for all your banking needs during our lobby hours from Monday to Friday between 9:00 AM and 6:00 PM, official correspondence should be sent to our mailing address at 112 2nd St S, Nampa, ID 83651-3708. At Mountain America, we invite you to join our growing family. Experience the benefits of being a member-focused credit union dedicated to your success. Together, let's build a brighter financial future! For more information or to get started today, give us a call at 208-466-8163 or visit us online at Mountain America.

Branch Location & Accessibility

Welcome to Mountain America, your friendly neighborhood credit union located at 112 2Nd St S, Nampa, ID 83651. We are proud to serve our members in the heart of Nampa, a vibrant community known for its beautiful parks and bustling local businesses. Our branch is conveniently situated near popular landmarks such as the Nampa Civic Center and Lakeview Park, making it easy for you to stop by while enjoying everything our city has to offer. At Mountain America, we prioritize accessibility for all our members. Our branch is fully ADA compliant, featuring ramps and other accommodations to ensure that everyone can visit us comfortably. While you're here, you'll find ample parking available, allowing for a hassle-free banking experience. We're open Monday through Friday from 9:00 AM to 6:00 PM, providing plenty of opportunities for you to take care of your banking needs. Whether you're looking to open a new checking account or explore our loan options, our friendly staff is ready to assist you every step of the way. Although we currently do not have ATM services or drive-thru banking at this location, rest assured that we offer a wide range of personal and business banking services right inside our branch. From checking and savings accounts to auto loans and mortgages, we strive to meet your financial needs with exceptional service. While members can visit us at 112 2Nd St S, official correspondence should be sent to 112 2nd St S, Nampa, ID 83651-3708 if needed. We invite you to visit us soon! If you have any questions or need assistance before coming in, feel free to call us at 208-466-8163. Your financial well-being is our top priority at Mountain America!

Member Eligibility

Welcome to the community at Mountain America! Joining us as a member is about more than just banking; it's about becoming part of a supportive family that truly cares for your financial well-being. If you're interested in becoming a member, you'll be pleased to know that eligibility is open to a wide range of individuals. Generally, if you live, work, worship, or go to school in the areas we serve, you can become part of our credit union family. We encourage you to check out the detailed eligibility criteria on our website at for the most current information. Getting started is simple! Once you see that you're eligible, opening an account is a breeze. You can find all the details on how to proceed with this process by visiting . If you have any questions or need assistance, feel free to call us at (208) 466-8163. We're here to help you every step of the way and excited to welcome you into the Mountain America family!

Business Banking & Commercial Services

Commercial Loans

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

In addition to loans, we offer merchant services that simplify payment processing. Imagine being able to accept payments effortlessly while focusing on what you do best running your business. Our solutions are designed to enhance customer satisfaction and streamline operations. Visit us at 112 2Nd St S Nampa Id 83651 in Nampa, ID, or give us a call at (208) 466-8163 to learn more about how we can partner with you in achieving your business goals!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about upgrading your ride? Our auto loans and vehicle financing options make it easier than ever to get behind the wheel of a new car. We offer competitive rates that can fit any budget, ensuring that you drive away feeling confident in your decision.

Business Banking

For entrepreneurs and small business owners, we offer specialized business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our financial solutions are designed to support your growth.

Credit Cards with Rewards

Earn rewards while you spend! Our credit cards come with attractive benefits that allow you to earn points on purchases, which can be redeemed for travel, cash back, or other exciting rewards. It's our way of saying thank you for choosing us as your financial partner.

Mortgage Loans & Refinancing

When it comes to homeownership, having the right mortgage can make all the difference. At Mountain America, we provide a variety of mortgage loans and refinancing options. Whether you're purchasing your first home or looking to refinance an existing loan, our team will guide you through each step, making the process simple and straightforward.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that let you manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, banking with us is easy and accessible. At Mountain America, we strive to meet all your financial needs under one roof. Visit us today at 112 2Nd St S Nampa Id 83651 in Nampa, ID, or call us at (208) 466-8163 to learn more about how we can help you achieve your financial dreams!

Personal Banking

We understand that managing your finances is essential for a stress-free life. That's why we offer personal banking services such as checking and savings accounts tailored for every member's unique situation. Whether you're saving for a dream vacation or just want a reliable place for your everyday transactions, our accounts provide the flexibility and support you need.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. Our personal loans can help cover those costs while also offering options for debt consolidation. If you're juggling multiple debts, consolidating them into one manageable payment could be the solution you need to regain control over your finances.

Digital & Online Banking

Key Features

One standout feature is our electronic signature authorization. This allows you to sign documents securely from the comfort of your home, eliminating the need for in-person visits. Plus, with e-statements readily available, you can keep track of your finances without the clutter of paper statements saving trees and keeping things organized! If you're always on the move, you'll appreciate our mobile application. It lets you manage your accounts right from your smartphone. Need to send money to a friend? Our person-to-person transfers make it quick and easy. You can also enjoy the convenience of mobile payments, allowing you to make purchases directly from your phone.

Security and User-Friendliness

Security is a top priority at Mountain America. We utilize advanced security measures to protect your information so you can bank with confidence. Our user-friendly interface ensures that all members, regardless of tech-savviness, can navigate our digital services effortlessly. In short, our digital and online banking solutions provide the accessibility and ease-of-use that modern banking demands. At Mountain America, we're committed to making your banking experience smooth and efficient because you deserve it!

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 are proud to highlight our strong financial foundation, which ensures that we can continue to serve our community with reliability and trust. 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 evident 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 112 2Nd St S Nampa Id 83651 or call (208) 466-8163 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 flexible terms and competitive interest rates that make it easy for you to drive away in the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand your business. We understand the unique challenges businesses face and are committed to offering solutions that meet your specific needs. If you're considering refinancing any existing loans or exploring eligibility options, our team is ready to assist you. We're dedicated to making the loan process as straightforward as possible. At Mountain America, we pride ourselves on being a trusted partner in your financial journey. For more information about our loan offerings or to speak with one of our representatives, please contact us at (208) 466-8163 or visit us at 112 2Nd St S Nampa Id 83651 in Nampa, ID. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial dreams!

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 work closely with you to tailor a mortgage solution that fits your budget and lifestyle.

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 cards come with various benefits designed to give you control over your spending while rewarding you for your loyalty.

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