Mountain America Credit Union

Mountain America Credit Union proudly serves members throughout Montana, delivering a full spectrum of financial services designed to meet your everyday banking needs and long-term goals. With a strong commitment to Montana’s communities, Mountain America offers convenient ATM and cash withdrawal services statewide, ensuring easy access to your funds whenever and wherever you need them.
Whether you’re looking to finance a new vehicle with competitive auto loans or secure mortgage loans and refinancing options tailored for Montana homeowners, Mountain America provides personalized solutions crafted with your success in mind. Members enjoy robust personal banking options including checking and savings accounts, credit cards with rewarding perks, and flexible personal loans ideal for debt consolidation.
Business owners across the state benefit from merchant services and business loans designed to support local growth. Plus, basic drive-thru banking for deposits, withdrawals, and simple transactions makes banking hassle-free. With user-friendly online and mobile banking platforms, managing your finances is effortless no matter where life takes you in Montana.
Beyond financial products, Mountain America actively invests in community programs that strengthen neighborhoods and promote financial education statewide. Experience the value of membership rooted in service, convenience, and a genuine dedication to Montana’s prosperity.

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 putting our members first and serving our community with integrity and dedication. Under the leadership of CEO Sterling Nielsen and Board President Scott Burt, we are committed to providing a financial experience that reflects the unique needs of our members across Montana. Our mission is to empower individuals and families by offering personalized services tailored to their financial goals. In this fast-paced digital age, we ensure that our members have access to modern conveniences such as electronic signature authorization, e-statements, mobile payments, a dedicated mobile app, online banking, and person-to-person payment support. We strive to create an environment where every member feels valued and supported. For more information about how we can assist you on your financial journey, visit us at https://www.macu.com/ or reach out via fax at nan. Join us in building a brighter financial future together!

Services & Financial Solutions

At Mountain America, we understand that managing your finances is an integral part of your everyday life in Montana. Our diverse range of personal banking services is designed to meet your needs, whether you're opening a checking or savings account, or looking for an easy way to access cash through our ATM and cash withdrawal services. We prioritize accessibility and flexibility, ensuring that you can manage your daily expenses with ease. With our online banking platform and mobile application, you can check balances, transfer funds, and pay bills from the comfort of your home or on the go. Plus, features like e-statements help you keep track of your finances without the clutter of paper.
When it comes to larger financial goals—like buying a home or consolidating debt—Mountain America offers a variety of loan options tailored for every member's situation. From auto loans to mortgage refinancing, our competitive rates make it easier for you to achieve what matters most. Additionally, we support local businesses with specialized banking solutions, including merchant services and business loans. All these services are further enhanced by our commitment to digital convenience; whether you're making person-to-person payments or signing documents electronically, we ensure that your banking experience is seamless and secure. At Mountain America, we're here to empower you every step of the way in achieving your financial aspirations in beautiful Montana.

Why Choose Us

At mountain-america in , becoming a member is as easy as pie! We pride ourselves on a straightforward account opening process that makes your financial journey smooth and hassle-free. Curious about your eligibility? You can review it anytime at: . Our core values revolve around trust, community engagement, personalized service, and financial reliability, ensuring that we are not just another financial institution but a partner invested in your success. We believe in building lasting relationships with our members, offering tailored solutions that meet your unique needs. Whether you're looking for personal banking options or seeking to secure a loan, you can trust us to provide reliable support every step of the way. And remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. Compare real-time loan offers today at LendMesh and find the best rates for your needs! We’re excited to welcome you to our community!

Branch Details

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

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