Mountain America Credit Union

Mountain America Credit Union proudly serves members across New Mexico with a wide range of financial services designed to support your goals and lifestyle. Whether you’re seeking competitive auto loans to finance your next vehicle or exploring mortgage loans and refinancing options, Mountain America offers tailored solutions that put you first. Members statewide enjoy convenient ATM and cash withdrawal services, making access to funds easy wherever you are in New Mexico.
Personal banking is simple with checking and savings accounts built for everyday convenience, plus credit cards that reward your spending. Need help managing debt? Flexible personal loans and debt consolidation options are here to give you peace of mind. Business owners benefit from specialized merchant services and business loans crafted to fuel local growth.
Mountain America’s user-friendly online and mobile banking platforms let you manage your finances anytime, anywhere—perfect for busy New Mexicans on the go. Beyond banking, Mountain America invests in community programs across the state, fostering financial education and stronger neighborhoods.
Experience the value of membership in Mountain America New Mexico—where personalized service meets a genuine commitment to helping you achieve financial confidence throughout the state.

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, our mission is to empower our members in New Mexico by providing exceptional, community-focused financial services that prioritize their needs above all else. Under the leadership of CEO Sterling Nielsen and Board President Scott Burt, we are dedicated to fostering a member-first culture that resonates throughout every aspect of our operations. We understand the importance of convenience in today’s fast-paced world, which is why we offer modern conveniences such as electronic signature authorization, e-statements, mobile payments, a dedicated mobile app, online banking, and person-to-person payment support. These features ensure that our members can manage their finances seamlessly and efficiently. For more information about our services or to become a member, please visit us at https://www.macu.com/ or reach out via fax at nan. Join us as we continue to serve and uplift the communities across New Mexico!

Services & Financial Solutions

At Mountain America, we pride ourselves on offering a wide range of financial services tailored to meet the diverse needs of our members across New Mexico. Whether you are looking to manage your daily expenses or make a significant investment like buying a home, our personal banking solutions provide the flexibility and accessibility you need. From checking and savings accounts that help you keep track of your finances to credit cards with rewards that enhance your purchasing power, we ensure that our members have the tools they need to achieve their financial goals. With features such as online banking and e-statements, keeping tabs on your finances has never been easier or more convenient.
When it comes to loans, we understand that life can be unpredictable. That's why our auto loans and mortgage refinancing options are designed with your unique situation in mind, allowing you to secure financing that fits within your budget. For those venturing into business, Mountain America offers comprehensive support through our business banking services, including merchant services and business loans that empower local entrepreneurs to thrive. Our digital platforms—like our user-friendly mobile application and mobile payment options—make managing your finances on-the-go effortless. Plus, with person-to-person payment capabilities and electronic signatures for hassle-free transactions, you can experience true convenience in every aspect of your banking experience. We're here to support you every step of the way as you navigate your financial journey.

Why Choose Us

At mountain-america in , we believe that financial services should be accessible and tailored to your needs. Joining our community is as easy as 1-2-3! With a straightforward membership process, you can quickly open an account and start enjoying all the benefits we offer. Curious if you qualify? Take a moment to review our membership eligibility at: . Our core values of trust, community engagement, personalized service, and financial reliability guide everything we do. We’re not just another financial institution; we’re your neighbors, dedicated to helping you achieve your financial goals. Plus, with our robust mobile application and online banking services, managing your finances has never been easier or more convenient. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. Join us today and experience the difference!

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

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

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