Mountain America Credit Union

Nestled in the heart of Rexburg, Idaho, the Mountain America branch at 18 N 2nd E is your trusted community partner for smart financial solutions. Whether you’re ready to secure some of the best auto loans or explore competitive mortgage loans and refinancing options, this friendly branch offers expert guidance tailored to your unique goals. Open Monday through Friday from 9:00 a.m. to 6:00 p.m., members enjoy personalized service alongside a full range of banking products designed to fit every stage of life.
At Mountain America Rexburg, you’ll find comprehensive personal banking options including checking and savings accounts, credit cards with rewarding perks, and flexible personal loans ideal for debt consolidation. Business owners can also access merchant services and business loans crafted to support local growth. While this location does not feature an ATM or drive-thru, convenient cash withdrawal services and robust online and mobile banking platforms ensure managing your finances is effortless anytime, anywhere.
Experience trusted local service combined with top-tier vehicle financing and mortgage solutions at Mountain America Rexburg. Visit today or call 208-356-3655 to discover how our dedicated team can help you take confident steps toward your financial future!

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 18 N 2Nd E, Rexburg, ID 83440. Since our establishment in 1936, we have dedicated ourselves to serving our community with a commitment to trust and reliability. With a robust membership of over 1,295,749, we take pride in offering personalized banking solutions that cater to your unique needs. As part of our mission, we manage total assets worth an impressive $20,276,595,321. This financial strength allows us to provide exceptional services, including personal banking accounts, auto loans, mortgages, and business banking options. Our total deposits stand at $2,498,647,369, reflecting the confidence our members place in us. While members can visit us at 18 N 2Nd E, official correspondence should be sent to 18 N 2nd E, Rexburg, ID 83440-1644. We understand that accessibility is important; that's why we offer online and mobile banking for your convenience. Our leadership team is dedicated to fostering a supportive environment. Under the guidance of CEO Sterling Nielsen and Board President Scott Burt, our experienced staff of 3,426 employees is here to help you navigate your financial journey confidently. Whether you're looking for auto financing or need assistance with debt consolidation, we are here for you. Don't hesitate to reach out by calling us at 208-356-3655 or visiting our website at Mountain America for more information. Join us today and discover how we can help you achieve your financial goals!

Branch History & Mission

At Mountain America, we take pride in our rich history and strong commitment to our community. Founded in 1936, our branch in Rexburg, Idaho has been a cornerstone of financial support for generations. Located at 18 N 2Nd E, Rexburg, ID 83440, we have grown alongside the community, evolving from a small credit union into a vital financial institution with over 1.2 million members and total assets exceeding $20 billion. Since our establishment, we've focused on providing exceptional service and innovative financial solutions tailored to the needs of our members. Our mission is simple yet powerful: to empower our members to achieve their financial dreams while fostering a spirit of community and support. We believe that every member deserves access to quality financial services that can help them thrive. Over the years, Mountain America has marked several milestones that reflect our dedication to growth and service. As we expanded our offerings from personal banking and auto loans to business services we remained committed to ensuring accessibility and convenience for all. Our operating hours are Monday through Friday from 9:00 AM to 6:00 PM, making it easy for you to visit us after work or during your lunch break. While members can visit us at our branch address, official correspondence should be sent to our mailing address at 18 N 2nd E, Rexburg, ID 83440-1644. We continuously strive for excellence by embracing digital advancements that make banking easier and more efficient. With features like online banking, mobile payments, and electronic statements, we ensure that managing your finances is straightforward and user-friendly. Our mission extends beyond just banking; we actively engage in community outreach initiatives that support local organizations and causes. We believe in giving back to the communities we serve because when our community thrives, we all benefit. As we look toward the future, we invite you to join us at Mountain America. Experience firsthand the benefits of membership personalized financial services, unwavering support, and a commitment to helping you succeed financially. Together, let's build a brighter future for ourselves and our community. Call us today at 208-356-3655 or visit Mountain America for more information about how we can help you achieve your financial goals!

Branch Location & Accessibility

Welcome to Mountain America, your friendly neighborhood credit union located at 18 N 2Nd E in beautiful Rexburg, Idaho! Our branch is conveniently situated near local landmarks, making it easy for you to pop in for all your banking needs. Whether you're heading to the nearby Rexburg Rapids or enjoying a day at the Rexburg Idaho Temple, we're just around the corner. At Mountain America, we understand that accessibility matters. Our branch is designed to welcome everyone, featuring ADA-compliant entrances and ramps for easy access. Plus, we offer ample parking right outside, so you can park with ease when you visit us. Our lobby hours are perfect for fitting into your busy schedule come see us Monday through Friday from 9:00 AM to 6:00 PM. If you have any questions or need assistance, our friendly staff is just a phone call away at 208-356-3655. While members can visit us at our branch address, official correspondence should be sent to our mailing address: 18 N 2nd E, Rexburg, ID 83440-1644. At Mountain America, we offer a variety of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got your financial needs covered. Although we currently do not have ATM or drive-thru services available at this location, our dedicated team is here to assist you directly. We invite you to come by and experience the Mountain America difference. Whether you're looking for a new account or simply have questions about our services, we're here to help. Stop by today we can't wait to meet you!

Member Eligibility

Joining the Mountain America family is like stepping into a warm, welcoming community where your financial well-being is our priority. To become a member at our Rexburg branch, located at 18 N 2Nd E, Rexburg, ID 83440, you simply need to meet some friendly eligibility criteria. Generally, we welcome anyone who lives, works, or worships in our service areas. This inclusivity means that many of your friends and neighbors could already be enjoying the benefits of membership with us. For more detailed information about specific eligibility requirements, feel free to visit our website at www.macu.com. Once you're ready to take the next step, opening an account is a breeze! You can easily start the process by reaching out to us at 208-356-3655. Our team is here to guide you through everything from setting up your new account to explaining all the great services we offer like checking and savings accounts, auto loans, and much more. We look forward to welcoming you into our community and helping you achieve your financial goals!

Business Banking & Commercial Services

Practical Merchant Services

Imagine having the ability to accept payments anytime, anywhere. Our merchant services empower you to do just that. By providing easy payment solutions, we help streamline your transactions, making it simpler for customers to pay and for you to manage cash flow. Visit us at 18 N 2Nd E Rexburg Id 83440 in Rexburg, ID or call us at (208) 356-3655 to learn how our business banking solutions can help your company thrive!

Tailored Financing Solutions

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. This means more opportunities for you to invest in equipment, expand your team, or launch new projects. - 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

Business Banking Solutions

For those running a business or planning to start one, our Business Banking services include merchant services and business loans. We know how important it is for small businesses to have access to reliable financial support, so we're here to ensure you have the tools necessary for success.

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features like Online & Mobile Banking, allowing you to manage your accounts easily from your smartphone or computer. You can make payments, transfer funds, and even send money person-to-person all with just a few taps. If you're ready to explore how our comprehensive services can benefit you or if you have any questions about what we offer, don't hesitate to reach out! Call us at (208) 356-3655 during our lobby hours from Monday through Friday between 9:00 AM and 6:00 PM. At Mountain America, we're committed to helping you achieve financial success every step of the way!

Credit Options

To reward our members for their loyalty, we provide Credit Cards with Rewards that allow you to earn points on everyday purchases. These rewards can be redeemed for travel, merchandise, or cash back making it more enjoyable every time you swipe.

Loans and Financing

When it comes to achieving your goals, having the right financing is crucial. At Mountain America, we offer competitive Auto Loans & Vehicle Financing options to help you get behind the wheel of that dream car without breaking the bank. If you're looking for a place to call home, consider our Mortgage Loans & Refinancing services, which provide flexible terms tailored to your unique situation. Additionally, our Personal Loans & Debt Consolidation solutions can assist you in managing expenses or consolidating debt into one easy payment.

Personal Banking

We understand that managing personal finances can be overwhelming at times. That's why our Personal Banking options are designed to simplify your banking experience. With checking and savings accounts that fit your lifestyle, you'll find it easy to save for emergencies or everyday purchases. Plus, our online and mobile banking services allow you to access your accounts anytime, anywhere making it simple to keep track of your money on the go.

Digital & Online Banking

At Mountain America, we understand that your time is valuable. That's why our digital and online banking services are designed to provide you with convenience and security, all at your fingertips. Whether you're managing your finances from home or on the go, our user-friendly platform makes it easy to stay in control of your money. With our online banking services available 24/7, you can access your accounts anytime, anywhere. Visit us at https://www.macu.com/ to get started. From checking balances to transferring funds, everything is just a few clicks away. Plus, with features like electronic signature authorization, you can sign documents securely without the hassle of paper. We also offer e-statements to help you manage your finances more efficiently. This eco-friendly option not only saves paper but allows you to view your statements anytime you need them. If you're looking for quick ways to send money, our person-to-person transfer service makes it simple to send cash directly to friends and family without any fuss. For those who prefer mobile banking, our mobile application brings all these features right into your pocket. You can even make mobile payments easily and securely, allowing for a smooth shopping experience whether you're at the store or online. At Mountain America, we prioritize your security and ease of use while managing your finances. With real-time account management and multiple access options, banking has never been easier or more accessible. Join us today and experience how digital banking can fit seamlessly into your lifestyle!

Financial Strength

Commitment to Innovation

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.

Growing Member Base

Total Share and Deposit Accounts: 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 18 N 2Nd E Rexburg Id 83440 or call (208) 356-3655 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

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.

Secure Savings Options

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.

Strong Financial Health

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.

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 tailored to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. We understand the unique needs of businesses and are committed to supporting them with suitable financing options. If you're interested in refinancing any of these loans or want to check eligibility options, our staff at Mountain America is always ready to assist you. You can reach us at (208) 356-3655 or visit us at 18 N 2Nd E Rexburg Id 83440 in Rexburg, ID during our operating hours from Monday to Friday, 9:00 AM - 6:00 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. Explore how we can help you achieve your financial dreams today!

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. Our team is here to guide you through the process and help you find a loan that suits your financial situation.

Unsecured Credit Card Loans

Managing expenses can be tough, which is 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, our credit cards come with rewards that can benefit your everyday purchases.

Loan Aggregator

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