Mountain America Credit Union

Nestled in the heart of Post Falls, Idaho, the Mountain America branch at 1729 E Seltice Way is your friendly neighborhood credit union dedicated to helping you reach your financial goals. Whether you're looking for some of the best auto loans to get behind the wheel of a new vehicle or exploring competitive mortgage loans and refinancing options, this location offers personalized guidance with a community-focused approach. Open Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays until 2:00 p.m., Mountain America Post Falls provides a wide range of services designed to fit your lifestyle.
Members enjoy access to personal banking products such as checking and savings accounts, credit cards with rewarding perks, and flexible personal loans ideal for debt consolidation. Business owners also benefit from tailored merchant services and business loans crafted to support local growth. While this branch does not have an ATM or drive-thru, robust online and mobile banking platforms make managing your finances convenient anytime, anywhere.
Experience trusted local service combined with top-tier vehicle financing and mortgage solutions at Mountain America Post Falls. Visit today or call 208-262-4469 to explore 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

At Mountain America, we believe in building strong relationships with our members and the communities we serve. Located at 1729 E Seltice Way, Post Falls, ID 83854, our branch is a welcoming place where you can manage your finances and find solutions tailored to your needs. With a legacy that began in 1936, we've grown to serve over 1,295,749 members, providing them with financial tools and services designed to help them achieve their goals. Our commitment to you goes beyond just banking; it's about community impact and support. We proudly hold total assets of $20,276,595,321 and total deposits reaching $2,498,647,369. This strength allows us to offer a wide range of services including personal banking, auto loans, mortgages, and business loans. With a net worth of $1,866,422,746 and cash in hand amounting to $302,213,181, we stand ready to support our members through every financial journey. Led by our dedicated CEO, Sterling Nielsen, and Board President Scott Burt, our team of 3,426 employees is here to ensure you receive personalized service every time you visit or call. You can reach us at 208-262-4469 during our lobby hours: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. While you can visit us at our physical location for all your banking needs, please note that any official correspondence should be directed to the same address as our branch. Join us at Mountain America where your financial success is our priority! For more information or to explore what we offer online, visit us at www.macu.com. We look forward to serving you!

Branch History & Mission

Community Commitment

Our mission extends beyond banking; it is about making a positive impact in our community. We actively participate in local outreach initiatives and partner with various organizations to support education, health, and economic development efforts in Kootenai County. This dedication helps us create meaningful connections and foster a supportive environment for all residents. While members can visit us at 1729 E Seltice Way, official correspondence should be sent to 1729 E Seltice Way, Post Falls, ID 83854 if different from our branch address.

Join Us Today

As we continue on this journey together, we invite you to become part of the Mountain America family. Experience firsthand how our commitment to service can help you achieve your financial dreams. Together, let's build a brighter future for ourselves and our community! For more information or assistance, please reach out at (208) 262-4469 or visit us online at Mountain America.

Member-Centric Services

At Mountain America, we offer a wide range of services tailored to meet diverse needs: personal banking including checking and savings accounts; auto loans and vehicle financing; mortgage loans; personal loans; credit cards with rewards; business banking services; and more. With operating hours from Monday through Friday (9:00 AM - 6:00 PM) and Saturday (9:00 AM - 2:00 PM), we're here when you need us most. We also prioritize digital advancements such as mobile payments and online banking to ensure convenience for our members. While we currently do not offer ATM or drive-thru services at this branch location, we strive to provide quality service that meets your needs directly within our lobby.

Our Evolution

From humble beginnings, Mountain America has evolved into a leading credit union with total assets exceeding $20.2 billion. Our journey reflects not just growth in numbers but also a commitment to improving the lives of those we serve. We have embraced technology to enhance member experiences, offering online and mobile banking solutions that fit modern lifestyles while ensuring accessibility for all. Though we've expanded significantly over the decades, our mission remains unchanged: to empower our members by providing personalized financial solutions and promoting financial literacy. We believe that everyone deserves the opportunity to achieve their financial goals, whether that's buying a home, financing a vehicle, or simply saving for the future.

Branch Location & Accessibility

Accessibility Features

At Mountain America, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, featuring ramps and clear pathways to ensure everyone can visit comfortably. We strive to create an inviting environment where everyone feels welcome.

Operating Hours

We know your time is valuable, which is why we offer flexible operating hours to suit your busy schedule. Visit us Monday through Friday from 9:00 AM to 6:00 PM, or stop by on Saturday from 9:00 AM to 2:00 PM. Whether you need assistance during the week or on the weekend, our friendly staff is ready to serve you.

Services Offered

At Mountain America, we offer a variety of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing options, we're here for all your financial goals. Plus, enjoy the convenience of online and mobile banking at your fingertips. If you have any questions or would like more information about how we can assist you, don't hesitate to give us a call at 208-262-4469. We look forward to welcoming you into our branch soon!

Member Eligibility

At Mountain America, we believe that becoming a member is like joining a caring family where your financial well-being is our top priority. If you live, work, or attend school in the communities we serve, you're likely eligible to join us! This includes anyone who resides in Idaho and surrounding areas. We welcome individuals from all walks of life to experience the benefits of membership, including competitive rates on loans, personalized service, and a range of financial products tailored to your needs. To get started, simply visit us at 1729 E Seltice Way Post Falls Id 83854 or give us a call at (208) 262-4469. You can check out more detailed eligibility criteria at . Opening an account with us is straightforward and designed for your convenience; you'll find all the information you need on how to open an account right here: . Join Mountain America today and take the first step towards achieving your financial goals!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine running your day-to-day operations without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what you do best serving your customers. From point-of-sale systems to online payment solutions, we provide the tools you need to thrive in today's competitive market. Located at 1729 E Seltice Way Post Falls Id 83854 in Post Falls, ID, our team is ready to partner with you. For more information, give us a call at (208) 262-4469 or visit us online at https://www.macu.com/. Let's work together to turn your business goals into reality!

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.

Comprehensive List Of Services

Accessibility

While we currently do not have ATM services at this branch, our friendly staff is available during lobby hours from Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM to assist you with any cash withdrawal needs. At Mountain America in Post Falls, we believe in building relationships with our members by offering services that genuinely make their lives easier. If you're interested in learning more about how we can help you reach your financial goals or if you have any questions about our offerings, don't hesitate to reach out! Give us a call at 208-262-4469, or visit us at mountainamerica.com today!

Business Banking

For entrepreneurs and business owners in the community, Mountain America provides comprehensive business banking solutions. From merchant services that simplify transactions to tailored business loans, we're committed to helping local businesses thrive.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options. You can check balances, transfer funds, and pay bills all from the comfort of your home or while on the go. Our mobile app even allows for easy access to features like person-to-person payments, making it simple to send money to friends or family when they need it most.

Personal Banking

We understand that managing everyday expenses is crucial for our members. That's why we offer checking and savings accounts designed for simplicity and ease. Whether you're saving for a vacation or need a reliable account for your daily transactions, we have options that fit your lifestyle. When it comes to buying a new car, our auto loans and vehicle financing services can help you hit the road quickly without breaking the bank. Imagine driving off in your dream car with a loan that fits comfortably within your budget. For those looking to invest in a home, we provide mortgage loans and refinancing options. We know how important it is to find the right mortgage solution, and our team is here to guide you through the process, making it as smooth as possible. If life throws unexpected expenses your way, our personal loans and debt consolidation services can provide you with the financial support you need. Picture consolidating multiple debts into one manageable payment, easing your financial stress. To reward our members for their loyalty, we also offer credit cards with rewards. You can earn points on everyday purchases, giving you something back every time you swipe.

Digital & Online Banking

Accessibility and Security

Security is our top priority. Our digital banking tools are equipped with advanced security features to protect your personal information. You can manage your accounts in real-time, ensuring that you always have the latest information at your fingertips. With our mobile application available for download, accessing your accounts has never been easier. Enjoy the flexibility of banking whenever it suits you best, whether it's early in the morning or late at night. At Mountain America, we're committed to providing services that enhance your financial experience while keeping it secure and user-friendly. Join us today and take advantage of our comprehensive digital banking solutions!

Key Features for Your Convenience

Need to send money to a friend? Our person-to-person transfer feature makes it easy and quick. Plus, with our mobile payments option, you can make purchases right from your phone without needing to carry cash or cards. We also offer electronic signatures for documents, so you can sign forms securely without ever needing to visit a branch. And if you're looking to go paperless, e-statements are readily available for all members who prefer them.

User-Friendly Online Banking

Our online banking platform is available 24/7 at https://www.macu.com/. You can check your balance, pay bills, and transfer money all from the comfort of your home or on the go. Whether you're using a computer or our mobile application, navigating your accounts is straightforward and intuitive.

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 share our financial strength, which reflects our commitment to providing you with the best possible services and support. 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 robust; we have $285,235 in used auto loans and $16,366,923,635 in total loans and leases to support your financial goals across various sectors. While our $0 reflects our operational efficiency, 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. Our total share accounts stand at 3,572,351, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $180,378,688. 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 1729 E Seltice Way Post Falls Id 83854 or call (208) 262-4469 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 options that fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or fund operational expenses, we have solutions designed specifically for small businesses. If you're considering refinancing or exploring eligibility options for any of these loan products, our dedicated team is here to guide you through every step. Our goal is to ensure you find the right financial solution that aligns with your needs. Feel free to reach out to us at (208) 262-4469, or visit us at our branch located at 1729 E Seltice Way Post Falls Id 83854 in Post Falls, ID. Our operating hours are Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 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. Let's work together to help you take the next step toward your financial future!

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 pride ourselves on making the process straightforward so you can focus on creating memories in your new home.

Unsecured Credit Card Loans

Managing finances effectively is essential for every member. We also offer flexible terms on unsecured credit card loans, with a total of $981,936,213 in loans helping members navigate their financial journeys. These cards come with various benefits tailored to suit your spending habits.

Loan Aggregator

Real-Time Insights

With real-time rate comparisons from multiple institutions, LendMesh helps you stay updated with the latest loan offerings. Users benefit from timely information, allowing them to seize favorable rates as they become available. 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!" Testimonials like this highlight how effective LendMesh can be in helping individuals save money and secure better financing options. 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.

Transparency and Reliability

One of the key features of LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. This means you can be confident that the rates and terms displayed reflect actual offers from credible lenders. LendMesh also stands out because it does not prioritize lenders based on paid promotions. You will not find sponsored listings here; instead, our goal is to provide unbiased results that empower you to choose what's best for your financial needs.

Join Our Community

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