Mountain America Credit Union

Nestled in the welcoming community of Twin Falls, the Mountain America branch at 1061 Blue Lakes Blvd N is your trusted partner for achieving financial success. Whether you're looking to secure some of the best auto loans to drive your dream car or explore competitive mortgage loans and refinancing options, this branch offers expert guidance tailored to your unique goals. Open Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays until 2:00 p.m., Mountain America Twin Falls provides convenient access to a full range of financial services designed for your lifestyle.
Members enjoy personalized personal banking solutions including checking and savings accounts, credit cards with rewarding perks, and flexible personal loans ideal for debt consolidation. Local business owners can also benefit from merchant services and business loans crafted to support growth and success. While this location does not have an ATM or drive-thru, robust online and mobile banking platforms ensure you can manage your finances anytime, anywhere.
Experience trusted local service combined with top-tier vehicle financing and mortgage products at Mountain America Twin Falls. Visit today or call 208-732-7890 to discover how we 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

At Mountain America, we understand that your financial journey is as unique as you are. Located at 1061 Blue Lakes Blvd N, Twin Falls, ID 83301, our branch has been serving the community since 1936. With over 1,295,749 members and a commitment to providing excellent service, we're here to support you every step of the way. While members can visit us at our Twin Falls location, official correspondence should be sent to the same address: 1061 Blue Lakes Blvd N, Twin Falls, ID 83301-3347. Our branch operates with a strong foundation, boasting total assets of over $20.28 billion and total deposits exceeding $2.5 billion. This stability allows us to offer a variety of services tailored to meet your needs, including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Under the leadership of CEO Sterling Nielsen and Board President Scott Burt, we pride ourselves on creating a welcoming environment where members can thrive. With a dedicated team of 3,426 employees, we're committed to providing the personalized service you deserve. Our goal is not just to provide financial products but also to make a positive impact in our community. Whether you're looking for assistance with loans over 1 million already provided or seeking guidance on saving for the future, we are here for you. Feel free to reach out to us at (208) 732-7890 or visit our website at Mountain America for more information. We invite you to stop by our branch and experience firsthand how we can help you achieve your financial goals!

Branch History & Mission

At Mountain America, we take pride in our rich legacy of serving the community of Twin Falls, Idaho. Established in 1936, our branch has been a cornerstone of financial support for nearly nine decades. Located at 1061 Blue Lakes Blvd N, Twin Falls, ID 83301, we are dedicated to not just meeting the financial needs of our members but also enhancing their lives through meaningful connections and community involvement. From our humble beginnings to becoming a trusted financial institution, Mountain America has grown tremendously. Today, we proudly serve over 1.2 million members with total assets exceeding $20 billion. This growth reflects our commitment to providing exceptional service and innovative financial solutions tailored to the needs of our diverse membership. Our mission is simple yet powerful: to guide our members on their journey to financial success. We aim to empower individuals and families by offering a wide range of services from checking and savings accounts to auto loans and mortgages all designed with your best interests in mind. Our focus extends beyond banking; we strive to make a positive impact in the communities we serve through various outreach programs and partnerships that promote financial literacy and well-being. While you can visit us at our branch address for personalized assistance, any official correspondence should be sent to the same address: 1061 Blue Lakes Blvd N, Twin Falls, ID 83301-3347. 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, ensuring that we are available when you need us most. Though we do not currently offer ATM or drive-thru services, we have embraced technology by providing online and mobile banking options. This allows our members to manage their finances conveniently from anywhere. Additionally, our dedication to accessibility ensures that everyone can benefit from our services. As part of the Mountain America family, you will find more than just a credit union; you'll discover a community partner committed to your financial future. We invite you to join us at Mountain America where your dreams become achievable goals. Experience the difference today by reaching out or visiting us! For more information, call us at 208-732-7890 or explore our website at www.macu.com.

Branch Location & Accessibility

Comfortable Access and Amenities

At Mountain America, we prioritize your convenience. Our branch is fully ADA compliant, featuring ramps and accessible entrances to ensure everyone can visit us without hassle. Ample parking is available right outside, making it simple to pop in for a quick transaction or a longer consultation with one of our friendly team members. While you can reach us at our physical address, if you need to send any official correspondence, please use our mailing address: 1061 Blue Lakes Blvd N, Twin Falls, ID 83301-3347.

Operating Hours That Fit Your Schedule

We understand that life gets busy! That's why we are open Monday through Friday from 9:00 AM to 6:00 PM and on Saturday from 9:00 AM to 2:00 PM. Whether you need help with personal banking, auto loans, or business services, our knowledgeable staff is ready to assist you during these hours.

Services Tailored for You

At Mountain America, we offer a variety of services tailored to meet your needs. From checking and savings accounts to mortgage loans and credit cards with rewards our offerings are designed with you in mind. While we currently do not have ATM or drive-thru services available at this location, rest assured that we're here to provide personalized service inside the branch. We invite you to stop by or call us at 208-732-7890 for any inquiries. Experience the welcoming atmosphere of Mountain America today we look forward to serving you!

Member Eligibility

At Mountain America, we believe that everyone deserves a chance to be part of a friendly and supportive community. Becoming a member is simple and welcoming! If you live, work, or attend school in the areas we serve, you're likely eligible to join us. We love serving individuals and families who share our values of cooperation and mutual benefit. By becoming a member, you'll gain access to a variety of financial products and services tailored just for you, including checking accounts, auto loans, mortgages, and more all designed with your needs in mind. To learn more about the specific eligibility criteria, feel free to check out the details at . If you're ready to start your journey with us or have questions, don't hesitate to give us a call at (208) 732-7890. We're here to help you every step of the way!

Business Banking & Commercial Services

Member 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. This support allows local entrepreneurs to turn their dreams into reality.

Merchant Services

In addition to loans, our merchant services simplify payment processing for your business. Imagine being able to accept payments easily from customers, ensuring smooth transactions that keep your operations running efficiently. Our solutions help you focus on what matters most growing your business. Visit us at 1061 Blue Lakes Blvd N Twin Falls Id 83301 in Twin Falls, ID, or call us at (208) 732-7890 to discover how we can assist you today!

Non-Member Support

While we proudly serve our members, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions to those who need it most.

Outstanding Loan Portfolio

With an outstanding commercial loan portfolio of $2,148,145,550, we continue to drive economic growth by financing new and expanding businesses. Whether you're just starting out or looking to take your established business to the next level, Mountain America is here to provide the financial support you need.

Comprehensive List Of Services

Accessibility

While we do not currently offer ATM services at our branch, our team is always ready to assist you with cash withdrawal services during regular business hours: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. If you're ever in need of assistance or have questions about any of our services, don't hesitate to reach out at (208) 732-7890. At Mountain America, we're committed to helping you achieve your financial goals with ease and confidence. Explore all that we have to offer today! Visit us at our branch or check out more details online at our website. Let's embark on this financial journey together!

Business Banking

For small business owners, we have dedicated services just for you. Our business banking solutions include essential tools like merchant services and business loans, ensuring that you have what you need to grow and succeed.

Credit Cards and Rewards

With our credit cards with rewards, you can earn points on your purchases that can be redeemed for exciting rewards. This means that every time you shop, you're also working toward something special!

Digital Banking Features

In today's fast-paced world, convenience matters. That's why we've invested in robust online and mobile banking services. With these features, managing your accounts is as simple as a few taps on your smartphone. You can check balances, transfer funds, pay bills, and even enjoy mobile payments without having to visit the branch.

Personal Banking

When it comes to personal banking, we offer an array of options designed for your everyday needs. Our checking and savings accounts make it easy for you to manage your money while earning interest on your savings. For those looking to finance a new car or improve their current vehicle, our auto loans and vehicle financing solutions come with competitive rates and flexible terms. If you're considering buying a home or refinancing your existing mortgage, our mortgage loans and refinancing options provide great rates and personalized service to guide you through the process. Additionally, our personal loans and debt consolidation offerings can help simplify your finances, whether you're looking to fund a special project or reduce existing debt.

Digital & Online Banking

Key Features

One of the standout features of our digital banking services is the ability to conduct person-to-person transfers. This means you can send money to friends and family quickly and securely without needing cash or checks. Additionally, if you're looking for a way to manage your statements more efficiently, we offer e-statements that allow you to view your account activity electronically saving paper and making it easier to keep track of your finances. Security is a top priority at Mountain America. Our electronic signature authorization feature ensures that all your transactions are verified safely and efficiently. You can feel confident that your sensitive information is protected while enjoying the convenience of online banking. For those who enjoy shopping or dining out, our mobile payments feature allows you to make purchases directly from your phone with ease. No more digging through your wallet for cards; simply tap and go! In summary, Mountain America's digital and online banking services are crafted with you in mind. We prioritize accessibility and user-friendliness, making it easy for you to manage your finances in real time. Embrace the convenience today by visiting us at https://www.macu.com/!

Financial Strength

A Growing Community

Total Share 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 amount to $180,378,688, reflecting our robust lending capacity. 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 1061 Blue Lakes Blvd N Twin Falls Id 83301 or call (208) 732-7890 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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 capacity to lend is substantial; with $285,235 in used auto loans and $16,366,923,635 in total loans and leases, we support our members' financial goals across various sectors.

Member-Centric Savings

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.

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.

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. Whether you're purchasing a brand-new vehicle or a reliable used one, we provide competitive terms and flexible repayment options.

Business Loans

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. We understand the challenges businesses face and strive to support local enterprises through tailored financing solutions.

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. These loans are structured to fit your budget and lifestyle, ensuring that owning a home is within reach.

Refinancing Options

If you're looking for better rates on existing loans or credit lines, we also provide refinancing options that can help reduce your monthly payments and overall interest costs. Be sure to ask about eligibility when you contact us! Our team at Mountain America is dedicated to providing personalized service and clear information so you can make informed decisions about your financial future. If you have any questions or need assistance, please don't hesitate to reach out at (208) 732-7890 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. Come visit us today and discover how we can help you achieve your dreams!

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. Our credit cards come with various rewards and benefits designed to enhance your spending experience while keeping costs manageable.

Loan Aggregator

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