Mountain America Credit Union

Nestled in the heart of American Fork, the Mountain America branch at 893 W State Rd is your friendly neighborhood credit union dedicated to helping you achieve your financial goals. Whether you’re looking for some of the best auto loans available to drive off in your dream vehicle or exploring competitive mortgage loans and refinancing options, this welcoming branch offers expert guidance tailored to your unique needs. Open Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays until 2:00 p.m., Mountain America American Fork provides personalized service without ATM or drive-thru facilities, but with convenient cash withdrawal services and robust online and mobile banking platforms that make managing your money easy anytime.
At Mountain America American Fork, you’ll find a full range of personal banking solutions including checking and savings accounts designed for everyday convenience, credit cards loaded with rewarding perks, flexible personal loans ideal for debt consolidation, and business banking services crafted to support local entrepreneurs. Join over 1.2 million members who trust Mountain America’s expertise in vehicle financing and mortgage lending. Visit us today or call 801-763-0133 to experience community-focused service and 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 partner in financial services located at 893 W State Rd, American Fork, UT 84003. Since our establishment in 1936, we have proudly served our community, growing to a membership of over 1,295,749 individuals who share our vision of financial well-being and success. Our branch is not just a place for transactions; it's a hub for support and growth for all members. At Mountain America, we understand the importance of personal connections and local impact. With total assets exceeding $20,276,595,321, we're committed to providing reliable banking solutions tailored to meet your needs. Whether you're looking for checking and savings accounts, auto loans, mortgages, or business banking services, we are here to help you achieve your financial goals. Our dedicated team of 3,426 employees, led by CEO Sterling Nielsen and Board President Scott Burt, works tirelessly to ensure that each member receives personalized service and expert guidance. We take pride in our strong financial standing with total deposits amounting to $2,498,647,369 and net worth reaching $1,866,422,746. This stability allows us to offer competitive loan products with a total of 1,010,477 loans and leases, empowering you to make important purchases or investments. While you can visit us directly at our branch address for any inquiries or transactions, please note that official correspondence should be sent to the same address as we maintain consistency in our communication. Explore the benefits of membership today! For more information about our services or to speak with one of our friendly representatives, feel free to call us at 801-763-0133. Join us at Mountain America where your financial future is bright! Visit us online at Mountain America for more details.

Branch History & Mission

Community Focus

At Mountain America, community support is at the heart of what we do. We actively engage in outreach initiatives and partnerships that aim to uplift local families and businesses. Whether it's sponsoring events or providing educational resources on financial literacy, we are dedicated to making a real impact where it counts.

Embracing Technology

As part of our commitment to serving you better, we have embraced digital advancements that make banking easier than ever. Our online and mobile banking platforms provide convenient access to your accounts anytime, anywhere. We also ensure ADA compliance for all our services so that everyone can bank with ease. With operating hours from Monday to Friday, 9:00 AM - 6:00 PM and Saturday from 9:00 AM - 2:00 PM, we're here when you need us most. While we currently do not offer ATM or drive-thru services at this location, our team is always ready to assist you with personalized service.

Join Us Today!

We invite you to become part of the Mountain America family! Experience first-hand how we can help you achieve your financial dreams while being an active member of your community. Contact us today at 801-763-0133 or visit us online at Mountain America for more information on membership benefits. Together, let's build a brighter financial future!

Our Mission

Our mission is simple yet profound: to help our members achieve their financial goals while also contributing positively to the communities we serve. We believe that everyone deserves access to quality financial services, and we strive to create opportunities through personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. While members can visit us at our branch location in American Fork, official correspondence should be sent to our mailing address: 893 W State Rd, American Fork, UT 84003-9731.

Branch Location & Accessibility

Convenient Access

Our branch is designed with your convenience in mind. While visiting us at 893 W State Rd, you'll find ample parking available, ensuring a hassle-free visit. We are also committed to accessibility, featuring ADA-compliant entrances and ramps, so everyone can enjoy our services comfortably.

Operating Hours and Services

We understand that life gets busy! That's why our lobby hours are set from 9 AM to 6 PM Monday through Friday and from 9 AM to 2 PM on Saturdays. Whether you need assistance with personal banking, auto loans, or mortgage refinancing, our team is here to help during these hours. While we currently do not offer ATM services or drive-thru banking at this location, rest assured that our staff is ready to assist you with all your banking needs inside the branch. Our services include checking and savings accounts, credit cards with rewards, business banking options, and online banking features for your convenience. If you need to send any official correspondence, please use our mailing address: 893 W State Rd, American Fork, UT 84003-9731.

Reach Out Today!

If you have any questions or need further information about our services, feel free to give us a call at 801-763-0133. We invite you to visit us soon and experience the personalized service that Mountain America is known for! Your financial well-being is our priority, and we look forward to assisting you in achieving your goals.

Member Eligibility

At Mountain America, we believe that becoming a member means joining a caring community that supports your financial goals. If you're looking to become part of our family, the good news is that eligibility is straightforward and welcoming! Generally, anyone who lives, works, or worships in the areas we serve can join us. Additionally, if you have a family member who is already a member, you're eligible as well! This means you can enjoy all the benefits we offer, from competitive rates on loans to personalized service that feels like home. For more detailed information on eligibility criteria, feel free to check out our website at . Opening an account with us is a breeze! Whether you're ready to dive into personal banking, auto loans, or any of our other services, we're here to help you every step of the way. You can easily start the process by giving us a call at (801) 763-0133, and our friendly staff will guide you through the steps. We look forward to welcoming you at Mountain America, located at 893 W State Rd American Fork Ut 84003 your first step towards achieving your financial dreams!

Business Banking & Commercial Services

Commercial Loans 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. - With an outstanding commercial loan portfolio of $2,148,145,550, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Life Easier

Picture this: Your store is bustling with customers, but processing payments is slowing things down. With our merchant services, you can streamline transactions, making it easier for your customers to complete their purchases. This not only enhances the shopping experience but also helps improve your cash flow. Located at 893 W State Rd American Fork Ut 84003 in American Fork, UT, we invite you to explore how our dedicated team can support your business dreams. For more information or to get started, give us a call at (801) 763-0133. Let's grow together!

Comprehensive List Of Services

Business Banking Services

For small business owners or entrepreneurs, we understand that every penny counts. Our business banking solutions include merchant services and business loans tailored to help you grow. Whether you need funds for inventory or equipment purchases, we're here to support your ambitions.

Convenience at Your Fingertips

We pride ourselves on making banking as convenient as possible. You can easily manage your accounts through our robust online and mobile banking platforms. With features like mobile payments and person-to-person transfers, handling transactions has never been simpler. While we currently do not have ATM access or drive-thru services at this location, our commitment remains strong in providing exceptional service during lobby hours: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM.

Credit and Debt Management

Managing debt can be overwhelming, but with our personal loans and debt consolidation options, you can simplify payments and reduce interest rates. Plus, if you're seeking rewards on your purchases, check out our credit cards with rewards perfect for those who want to earn benefits while spending.

Get Started Today!

We invite you to visit us at Mountain America, where our friendly staff is ready to help you with all of your financial needs. If you have any questions or would like more information about our services, feel free to call us at 801-763-0133 or explore more on our website here. Your financial success is our priority!

Personal Banking Solutions

Our personal banking services are designed to make your financial life easier. We offer checking and savings accounts that help you manage your day-to-day expenses while also saving for the future. Imagine having easy access to your funds through online and mobile banking you can check balances, pay bills, and transfer money anytime, anywhere. If you're in the market for a new vehicle, our auto loans and vehicle financing options can get you behind the wheel quickly and affordably. We provide competitive rates that fit your budget. For those looking to invest in a home, our mortgage loans and refinancing services offer flexible terms to help you secure the best deal possible.

Digital & Online Banking

Key Features

Our online banking platform allows you to manage your accounts with ease. Need to check your balance? Transfer money? Pay bills? You can do it all in just a few clicks. We also provide e-statements, so you can say goodbye to paper clutter and enjoy a more eco-friendly option for viewing your account statements. For those on the go, our mobile application makes banking even more convenient. With features like mobile payments, you can make purchases directly from your smartphone without reaching for your wallet. Plus, our person-to-person transfer option lets you send money to friends or family quickly and securely.

Security You Can Trust

We prioritize your security. Our electronic signature authorization feature ensures that your transactions are safe and verified. You can feel confident knowing that your information is protected as you manage your accounts online. Whether you're checking balances, setting up transfers, or reviewing e-statements, you'll find our online banking services user-friendly and accessible. Join us at Mountain America and experience the convenience of modern banking at your fingertips!

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 that our financial health is robust, ensuring you can trust us with your hard-earned money. 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. While we strive for operational efficiency, our $0 reflects our commitment to maintaining 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. 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 893 W State Rd American Fork Ut 84003 or call (801) 763-0133 to learn more about how we can help you achieve your financial goals.

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 considering a brand-new model or a reliable pre-owned vehicle, we have financing options that can help make your purchase more affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. We recognize the importance of supporting local businesses and are dedicated to providing accessible financing options tailored for entrepreneurs. At Mountain America located at 893 W State Rd American Fork Ut 84003, our team is ready to assist you with your loan needs. For more information or to get started on your application today, give us a call at 801-763-0133 during our operating hours: Monday-Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 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. Let us help you take the next step toward achieving your financial aspirations!

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 provide various mortgage solutions that cater to different budgets and preferences. If you're looking to refinance an existing loan or explore eligibility options for purchasing a new home, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes feel overwhelming. 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 rewards and benefits designed to fit your lifestyle while keeping your spending manageable.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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!" This testimonial highlights how effective LendMesh can be in securing better rates for borrowers. Compare real-time loan offers today at LendMesh and find the best rates for your needs. 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.

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means that users can trust the data they see, knowing it comes from legitimate sources committed to fair lending practices.

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.