Mountain America Credit Union

Nestled in the vibrant community of Missoula, Mountain America Credit Union at 2825 N Reserve St is your friendly neighborhood financial partner committed to helping you achieve your dreams. Whether you're looking to drive off with one of the best auto loans available or take advantage of low mortgage rates for buying or refinancing your home, this branch offers expert advice and personalized solutions 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., members enjoy convenient access to ATM and drive-thru banking services that make managing everyday transactions simple and efficient.
At Mountain America Missoula, you’ll find a full range of personal banking options including checking and savings accounts designed for your lifestyle, credit cards with rewarding perks, flexible personal loans ideal for debt consolidation, and robust online and mobile banking platforms that let you bank anytime, anywhere. Local business owners can also benefit from merchant services and business loans crafted to support growth.
Experience trusted local service combined with top-tier auto financing and mortgage solutions at Mountain America Missoula. Visit today or call 406-317-7181 to discover how we 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

Welcome to Mountain America at our Missoula Reserve St branch, located at 2825 N Reserve St, Missoula, MT 59808. With a rich history dating back to 1936, we have proudly served our community for over eight decades. Our commitment to providing exceptional financial services is reflected in our growing membership of 1,295,749 individuals who trust us with their financial needs. At Mountain America, we understand that managing your finances can sometimes feel overwhelming. That's why we're here to offer personalized support and a range of services tailored just for you from checking and savings accounts to auto loans and mortgage refinancing. Our total assets exceed an impressive $20,276,595,321, allowing us to offer competitive rates and flexible options designed to help you achieve your financial goals. Our dedicated team of 3,426 employees, led by CEO Sterling Nielsen and Board President Scott Burt, is passionate about making a positive impact in the lives of our members and the communities we serve. We believe in building lasting relationships based on trust and reliability. While you can visit us at our branch location for all your banking needs, official correspondence should be sent to the same address: 2825 N Reserve St, Missoula, MT 59808. Feel free to reach out via phone at 406-317-7181 or explore our website at www.macu.com for more information about our services. Join us in experiencing the difference that comes from being part of a member-focused credit union. We invite you to come by or give us a call today!

Branch History & Mission

Our Mission

At Mountain America, our mission is clear: we strive to empower our members by providing personalized financial solutions while supporting our local communities. We believe that every individual deserves access to affordable financial services. That's why we focus not just on transactions but also on building relationships that make a difference in people's lives. Our commitment extends beyond banking; we are deeply involved in community outreach efforts and partnerships that uplift those around us. By investing in local initiatives and supporting various charitable causes, we aim to create a positive impact that resonates throughout Missoula and beyond. As technology advances, we are dedicated to enhancing your banking experience through digital solutions like online banking and mobile payments. We ensure that our services are ADA compliant so everyone can access their accounts comfortably and securely. While members can visit us at 2825 N Reserve St for all their banking needs, official correspondence should be sent to the same address. 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, making it easy for you to find time to connect with us. Join us at Mountain America today! Experience a financial institution that values you as a member and works tirelessly to support both your aspirations and the community's growth. Together, we can build a brighter future for everyone in Missoula. For more information or assistance, feel free to call us at 406-317-7181 or visit our website at Mountain America.

Branch Location & Accessibility

Accessibility Features

We understand that convenience is key, which is why our branch offers ample parking and features that comply with ADA standards to ensure everyone can access our services comfortably. Our team is here to assist you with a variety of banking needs.

Call to Action

If you're looking for a friendly place where you can manage your finances with ease, come visit us at Mountain America! Feel free to give us a call at 406-317-7181 if you have any questions or need assistance before your visit. We look forward to welcoming you!

Location Highlights

While you can visit us at our main location on Reserve Street, if you need to send any official correspondence, please direct it to the same address as our mailing address: 2825 N Reserve St, Missoula, MT 59808. We're proud to serve the Missoula County community and are dedicated to providing top-notch service.

Operating Hours & Services

Our lobby hours are designed to fit your busy schedule. We're open Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. With services like personal banking including checking and savings accounts auto loans, mortgage financing, and credit cards with rewards, we have something for everyone. Plus, enjoy the ease of drive-thru banking for quick deposits and withdrawals without leaving your car.

Member Eligibility

At Mountain America, we believe that everyone deserves a chance to be part of a caring community. Becoming a member is simple and welcoming! If you're living, working, or attending school in our area, you're likely eligible to join us. We also welcome family members of current members, so there's a good chance you can become part of our supportive network. Joining Mountain America means you'll enjoy great benefits like lower fees, competitive rates on loans and savings accounts, and access to personalized financial services tailored just for you. For the latest details on eligibility criteria, feel free to check out our website at . If you're ready to take the next step and open an account, visit us at 2825 N Reserve St Missoula Mt 59808, or give us a call at (406) 317-7181. We're excited to help you start your journey with us!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine being able to accept payments seamlessly, whether online or in-store. This not only enhances customer satisfaction but also boosts your sales potential. At Mountain America, our goal is to provide solutions that fit your unique business needs. Ready to take your business to the next level? Visit us at 2825 N Reserve St Missoula Mt 59808 in Missoula, MT or call us at (406) 317-7181 to learn more about how our business banking and commercial services can help you thrive.

Tailored Loan 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 funding has empowered local entrepreneurs to invest in equipment, hire new staff, and expand their operations. - 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 Solutions

For our business members, we offer comprehensive Business Banking solutions. From Merchant Services that simplify payment processing to Business Loans that fuel growth and expansion, we're committed to supporting local businesses thrive in our community.

Convenient Access

Your time is valuable, which is why we provide easy access to your funds through our ATM & Cash Withdrawal Services, along with basic drive-thru banking for deposits and simple transactions. Need assistance? Just give us a call at (406) 317-7181 during our lobby hours: Monday-Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM.

Home Ownership Support

If homeownership is on your mind, consider our Mortgage Loans & Refinancing services. Our knowledgeable staff will guide you through the process, making it as seamless as possible. You'll find competitive rates and personalized service that can help turn your dream home into reality.

Join Us Today!

At Mountain America, we're not just about transactions; we're about building relationships and helping you achieve your financial goals. Explore all the services we offer by visiting us online at 0167 Missoula Reserve St or stop by our branch today! Let us help you take control of your finances and create a brighter future together.

Personal Banking Made Easy

Managing your finances should be straightforward and stress-free. That's why we offer Personal Banking services, including checking and savings accounts designed to fit your lifestyle. Imagine having the flexibility to access your funds anytime through our Online & Mobile Banking platforms. With just a few taps on your smartphone, you can check balances, transfer money, and even pay bills from the comfort of your home. Need a new car? Our Auto Loans & Vehicle Financing options can help you get behind the wheel quickly and affordably. We understand that life happens, which is why we also provide Personal Loans & Debt Consolidation solutions. Whether it's unexpected expenses or managing existing debts, we're here to assist you in finding a manageable path forward.

Rewards for Everyday Spending

Don't forget about our Credit Cards with Rewards! Enjoy perks for everyday purchases while building your credit score. This means every time you shop, you're not just buying necessities; you're earning rewards that add value to your spending.

Digital & Online Banking

Convenient Online Access

Visit us at https://www.macu.com/ to explore our online banking platform. Here, you can view account balances, transfer funds, and pay bills with just a few clicks. Our user-friendly design makes it simple for everyone, whether you're tech-savvy or just getting started with online banking.

Enhanced Security Features

Your security is our top priority. We use electronic signature authorization for transactions, ensuring that only you can approve important actions on your account. Plus, our mobile payments feature allows for quick and secure transactions straight from your smartphone.

Manage Your Money On-the-Go

With our mobile application available, banking has never been more accessible. You can check your balance, deposit checks, or make person-to-person transfers all from the palm of your hand. Whether you're grabbing coffee or waiting in line, managing your money is just a tap away. At Mountain America, we're committed to providing you with the tools you need for real-time account management while keeping your information safe and sound. Experience the convenience of modern banking today!

Stay Updated with E-Statements

Say goodbye to paper clutter! With e-statements available at Mountain America, you can receive your account statements electronically. This not only helps the environment but also allows you to access your financial information anytime, anywhere.

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 pride ourselves on our robust financial foundation, which allows us to offer competitive services tailored to your needs. 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 reflected 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. With net shares available for lending and investments amounting to $180,378,688, we're well-positioned to support your financial journey. Total Share and Deposit Accounts stand at 3,572,351, showcasing 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 2825 N Reserve St Missoula Mt 59808 or call (406) 317-7181 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Options

If you're considering refinancing any existing loans or want more information about eligibility for our products, please reach out to us. Our team is here to guide you through the process and ensure you find the best solution for your financial situation. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Feel free to contact us at 406-317-7181 during our operating hours Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM for any questions or assistance regarding our loan offerings. At Mountain America, we're committed to helping you succeed financially!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $4,936,086,560 in used vehicle loans and $1,444,883,578 in new vehicle loans to help members get on the road with confidence. Whether you're interested in financing a brand-new model or a dependable used vehicle, we have options that suit your budget.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to expand your operations and invest in your future.

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. This means you can secure the home you've always wanted without the hassle often associated with mortgages.

Unsecured Credit Card Loans

Managing finances can sometimes be challenging. To help with this, we also offer flexible terms on unsecured credit card loans, with a total of $981,936,213 in loans available for members. This gives you access to funds when you need them most while helping you build your credit history.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This transparency helps borrowers make informed decisions without the confusion often associated with navigating different lenders. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to accuracy is based on the latest results from the NCUA, which you can verify at ncua.gov. By focusing on verified institutions, LendMesh guarantees fair and transparent offers. Using LendMesh comes with significant benefits for users. First, all loan offers are derived from legitimate financial institutions, ensuring transparency in the information presented. Additionally, LendMesh does not feature sponsored listings, meaning lenders are not prioritized based on paid promotions. This approach allows users to receive unbiased results that reflect true market offerings. Furthermore, LendMesh provides real-time rate comparisons from multiple institutions, allowing users to stay updated and make choices that best suit their financial needs. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of the platform in delivering savings and satisfaction to its users. If you're looking to compare real-time loan offers and find the best rates for your needs, visit LendMesh today! 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.

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