Mountain America Credit Union

Nestled in the heart of Reno, the Mountain America branch at 1181 Steamboat Pkwy is your trusted partner for personalized financial solutions that support your everyday needs and long-term goals. Whether you’re ready to secure one of the best auto loans available or explore competitive mortgage loans and refinancing options, this welcoming branch offers expert guidance designed with your success in mind. Open Monday through Friday from 9:00 a.m. to 6:00 p.m., members can enjoy seamless access to cash withdrawal services alongside a full suite of personal banking options.
At Mountain America Reno, you’ll find everything from checking and savings accounts tailored to fit your lifestyle, credit cards with rewarding perks, and flexible personal loans ideal for debt consolidation. Local entrepreneurs can also tap into business banking solutions including merchant services and business loans crafted to fuel growth. While this location does not feature an ATM or drive-thru, robust online and mobile banking platforms make managing your finances effortless anytime, anywhere.
Experience friendly service combined with top-tier vehicle financing and mortgage lending at Mountain America Reno. Visit us today or call 775-829-4900 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, your trusted financial partner located at 1181 Steamboat Pkwy, Reno, NV 89521. Since our establishment in 1936, we have been committed to serving our community with integrity and dedication. With a total membership of over 1.29 million, we pride ourselves on fostering strong relationships and providing exceptional service tailored to the unique needs of our members. At Mountain America, we believe in empowering you with the resources needed to achieve your financial goals. Our total assets stand at an impressive $20,276,595,321, reflecting our stability and reliability in the financial landscape. We currently hold $2,498,647,369 in deposits and have issued a total of 1,010,477 loans and leases, demonstrating our commitment to supporting both personal and business endeavors. Our dedicated team is led by CEO Sterling Nielsen and Board President Scott Burt, who work tirelessly to ensure that our members receive top-notch service. With a workforce of 3,426 employees, we are always here for you ready to answer your questions or assist you with any banking needs. While members can visit us at our branch for all their banking services including personal accounts, auto loans, mortgages, and business banking official correspondence should be sent to the same address: 1181 Steamboat Pkwy, Reno, NV 89521-6285. We encourage you to reach out to us at 775-829-4900 or explore more about our offerings on our website Mountain America. Whether you're looking for savings solutions or loan options, we are here to help you thrive financially. Stop by today; let's build a brighter future together!

Branch History & Mission

Join Us Today!

As we continue on this journey together, we invite you to become part of the Mountain America family. Experience firsthand the benefits of membership and discover how we can support you in achieving your financial dreams. For more information or inquiries, please call us at 775-829-4900 or visit us online at Mountain America. We look forward to serving you!

Our Mission

At Mountain America, our mission is simple yet powerful: to help our members succeed financially. We believe that every member deserves access to quality financial products and services tailored to their unique needs. Our commitment goes beyond traditional banking; we strive to make a positive impact in the communities we serve. Our branch offers convenient operating hours from Monday to Friday, 9:00 AM to 6:00 PM, ensuring that members can easily access our services. While we currently do not have ATM or drive-thru facilities at this location, we are dedicated to providing exceptional service during lobby hours and are always exploring ways to enhance your banking experience. In addition to our financial offerings, Mountain America actively engages in community outreach programs and partnerships aimed at uplifting local initiatives and supporting those in need. We understand that strong communities lead to successful members.

Branch Location & Accessibility

Accessibility Features

At Mountain America, we prioritize accessibility for all members. Our branch includes ADA-compliant features such as ramps and designated parking spaces to ensure everyone can easily visit us. We understand that convenience matters, which is why we also provide ample parking right outside our doors.

Operating Hours

We're open Monday through Friday from 9:00 AM to 6:00 PM, making it easy for you to stop by before or after work. Our friendly team is ready to assist you with everything from checking accounts to business banking solutions.

Services Offered

As part of our commitment to serve the community, Mountain America offers a variety of services tailored to meet your financial needs. From checking and savings accounts to personal loans and credit cards with rewards, we've got you covered. Plus, we provide online and mobile banking options for those who prefer managing their finances on the go. Although we currently do not have an ATM or drive-thru service available at this branch location, our staff is always happy to help you with cash withdrawals or any other transactions during lobby hours.

Visit Us Today!

We invite you to stop by Mountain America at Steamboat Parkway today! If you have any questions or need assistance before your visit, feel free to give us a call at 775-829-4900. Your financial journey starts here, and we look forward to welcoming you into our community!

Member Eligibility

Becoming a member of Mountain America is like joining a warm, welcoming community where your financial well-being is our top priority. If you're looking to enjoy the benefits of personalized service and competitive rates, you're in the right place! At Mountain America, we invite individuals who live, work, or worship in the surrounding areas to join us. This means that whether you're a local resident or just passing through, there's a spot for you here. For full eligibility details, feel free to check out our website at . Opening an account with us is a breeze! Simply reach out by calling (775) 829-4900, and our friendly staff will guide you through the straightforward process. You can visit us at our location at 1181 Steamboat Pkwy Reno Nv 89521, where we provide a range of services tailored to meet your needs. Join us today and experience the difference that comes with being part of the Mountain America family!

Business Banking & Commercial Services

Financing Solutions Tailored for You

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. Each loan represents a story of ambition and determination, like that of a local bakery expanding its production or a tech startup launching its innovative product line. We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that cater to diverse needs. With an outstanding commercial loan portfolio of $2,148,145,550, we continue to drive economic growth by financing new and expanding businesses right here in Reno, NV.

Merchant Services That Make Life Easier

In addition to loans, our merchant services help streamline payment processing so you can focus on what really matters growing your business. Imagine being able to accept payments seamlessly from customers at your store or online, all while keeping track of sales effortlessly. Our solutions are designed with the busy entrepreneur in mind. Visit us at 1181 Steamboat Pkwy Reno Nv 89521 or give us a call at (775) 829-4900 to discover how we can assist your business today!

Comprehensive List Of Services

Accessing Your Money

While we do not currently offer ATM services directly at this branch, we ensure that cash withdrawal needs are met through various means available in the community. At Mountain America, we're committed to making banking accessible and hassle-free for everyone. Whether you're stepping into our branch or accessing services online at macu.com, know that we are here to help you every step of the way. For any questions or assistance regarding our services, feel free to give us a call at 775-829-4900 during our lobby hours from Monday to Friday, 9:00 AM to 6:00 PM. Join us today and experience how we can help you achieve your financial goals!

Business Banking Services

If you're a business owner, our Business Banking services are designed to help you thrive. From merchant services that simplify transactions to business loans that fuel growth, we have the tools to support your entrepreneurial dreams.

Credit and Loan Options

Sometimes life throws unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options to help you manage those costs without stress. Additionally, our Credit Cards with Rewards program allows you to earn points on everyday purchases, making each transaction work for you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our Online & Mobile Banking services allow you to access your accounts anytime and anywhere. With features like electronic statements and mobile payments, managing your finances has never been easier. Plus, our person-to-person payment feature makes it simple to send money to friends or family right from your phone.

Personal Banking Solutions

Understanding that managing your finances can sometimes feel overwhelming, we offer Personal Banking options that include checking and savings accounts designed for everyday needs. Whether you're saving for a dream vacation or just need a reliable place for your paycheck, our accounts come with features that help you keep track of your money effortlessly. For those considering a new vehicle, our Auto Loans & Vehicle Financing options provide flexible terms and competitive rates. Imagine driving off in your new car, knowing you got a great deal! If you're thinking about buying a home or refinancing your existing mortgage, we also have comprehensive Mortgage Loans & Refinancing services available. Our knowledgeable team will guide you through the process, ensuring you understand every step.

Digital & Online Banking

Key Features

Need to sign documents quickly? Our electronic signature authorization feature allows you to complete transactions without the hassle of printing or mailing paperwork. You can also opt for e-statements, giving you instant access to your account statements without cluttering your mailbox. For those on the go, our mobile application makes banking even more convenient. Whether you're making mobile payments or sending money to friends through person-to-person transfers, everything is right at your fingertips. Just download our app and experience how easy banking can be! We prioritize your security with every transaction you make. You can bank with peace of mind knowing that all your information is protected through advanced security measures. At Mountain America, we believe in providing accessible and efficient banking solutions tailored to meet your needs. Join us today and enjoy the flexibility of real-time account management from the comfort of your home or while you're out and about!

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 are proud to share our financial health with you, which reflects our commitment to serving your needs effectively. 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 is robust; we offer $285,235 in used auto loans and have a total of $16,366,923,635 in loans and leases available to support members' financial goals across various sectors. Our operational efficiency is reflected in our $0, which enables us to continue providing 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 dedicated to assisting you with expert advice and personalized service. With net shares amounting to $180,378,688, our resources are strategically allocated for lending and investment opportunities. The trust placed in us by our growing member base is evident with a total of 3,572,351 share and deposit accounts. 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 1181 Steamboat Pkwy Reno Nv 89521 or call (775) 829-4900 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 that suit your budget while making it easy for you to drive away with confidence.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to expand your operations. We're committed to helping local businesses thrive with tailored financing options that align with your goals. At Mountain America in Reno (1181 Steamboat Pkwy), our dedicated team is here to discuss all available loan products and eligibility options. You can reach us at 775-829-4900 during our operating hours from Monday through Friday between 9:00 AM and 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 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. We offer competitive rates and friendly guidance through the entire process to help you settle into your new home with ease.

Personal and 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 personal loans can assist with various needs from debt consolidation to unexpected expenses making sure you have the support you need when life happens.

Loan Aggregator

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