Type of Loan Offerings
Home Equity Loans
Mortgage Loans
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Vehicle Loans
Introduction
Welcome to Mountain America, your trusted financial partner located at 410 N Main St, Cedar City, UT 84720. Since our establishment in 1936, we have been dedicated to serving our community with integrity and reliability. With a robust membership of over 1,295,749 individuals, we take pride in offering personalized banking solutions that cater to your unique financial needs. At Mountain America, we believe in empowering our members. Our total assets stand strong at an impressive $20,276,595,321, ensuring that we have the resources necessary to support you through every stage of life. Whether you're looking for auto loans, mortgages, or business banking services, we've got you covered with a total loan portfolio exceeding 1,010,477 loans and leases. Financial security is essential for everyone. That's why our total deposits amount to $2,498,647,369, reflecting the trust our members place in us. With a net worth of $1,866,422,746, we are committed to maintaining a solid foundation that enables us to serve you better. Led by our dedicated CEO Sterling Nielsen and Board President Scott Burt, our team of 3,426 employees works tirelessly to provide exceptional service. We invite you to reach out to us at 435-586-0143 or visit us during our lobby hours from Monday to Friday, 9:00 AM to 6:00 PM. While members can visit us at our Cedar City branch address for all your banking needs, official correspondence should be sent to the same address as we strive for transparency and ease in communication. Explore the many ways Mountain America can enhance your financial journey by visiting our website at Mountain America Credit Union. Your financial wellness is just a step away!
Branch History & Mission
Mountain America, located at 410 N Main St in Cedar City, UT, has been a cornerstone of our community since it opened its doors in 1936. Over the years, we have proudly served our members and fostered strong relationships that extend beyond just financial transactions. With a total membership of over 1.2 million and assets exceeding $20 billion, we have grown from humble beginnings into a trusted financial partner for many. Our mission at Mountain America is straightforward yet powerful: to help our members achieve their financial dreams while enhancing the communities we serve. We believe that banking should be accessible and friendly. That's why we offer a range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our commitment goes beyond providing financial products; we strive to uplift our community through various outreach programs and partnerships. While you can visit us at our Cedar City location, official correspondence should be sent to the same address: 410 N Main St, Cedar City, UT 84720. Our operating hours are Monday through Friday from 9 AM to 6 PM, making it easy for you to stop by whenever you need assistance. At Mountain America, we continuously embrace advancements that enhance your experience. From online banking and mobile payments to person-to-person transfers, we ensure that managing your finances is as convenient as possible. Although we currently do not offer ATM or drive-thru services at this branch, our team is dedicated to providing personalized support in a welcoming environment. As we reflect on our history and the journey ahead, we're excited about what the future holds. We invite you to join Mountain America and experience firsthand the benefits of being part of a credit union that truly values its members and their aspirations. Together, let's build a brighter future for ourselves and our community! For more information or to become a member today, please call us at 435-586-0143 or visit our website at Mountain America.
Branch Location & Accessibility
Welcome to Mountain America's Cedar City branch, conveniently located at 410 N Main St, Cedar City, UT 84720. This prime location makes it easy for our members to access a range of personal and business banking services right in the heart of Cedar City. Whether you're visiting us after exploring the nearby Southern Utah Museum of Art or enjoying a day out in the beautiful outdoors, our friendly team is here to assist you. At Mountain America, we understand the importance of accessibility. Our branch is designed to be welcoming and accommodating for everyone, featuring ADA-compliant entrances and ample parking to ensure a smooth visit. If you need assistance or have any questions during your visit, don't hesitate to ask our staff we're always ready to help! We are open Monday through Friday from 9:00 AM to 6:00 PM, making it easy for you to fit banking into your busy schedule. While we currently do not offer drive-thru services or ATMs at this location, our knowledgeable staff can guide you on how to manage your transactions seamlessly online or via mobile banking. For any official correspondence, please note that while members can visit us at our branch address, all mail should be sent to the same address: 410 N Main St, Cedar City, UT 84720. Ready to take charge of your financial future? We invite you to stop by or give us a call at 435-586-0143. At Mountain America, we're excited to support you on your journey!
Member Eligibility
Joining the Mountain America family is like stepping into a community where you're valued and supported. To become a member at our Cedar City branch located at 410 N Main St, simply meet a few friendly eligibility requirements. Generally, if you live, work, worship, or attend school in our local area, you can easily join us. We believe in making banking accessible for everyone, so whether you're looking to open a checking account, apply for a loan, or explore other financial services, becoming a member opens up a world of benefits tailored just for you. For more detailed information about eligibility criteria, feel free to visit our website at Mountain America. If you have any questions or need assistance along the way, don't hesitate to reach out to us at 435-586-0143. We're here to help!
Business Banking & Commercial Services
Merchant Services
Beyond loans, our merchant services simplify transactions for your business. Imagine providing customers with easy payment options while managing your finances effortlessly. From credit card processing to invoicing tools, we make it easier for you to focus on what you do best running your business. Visit us at 410 N Main St Cedar City Ut 84720 in Cedar City, UT or give us a call at (435) 586-0143. Let's work together to fuel your business ambitions!
Tailored Loan Options
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 means more opportunities for you to invest in equipment, hire staff, or expand your operations. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that help bring your vision to life. - 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 Banking
For entrepreneurs and business owners in Cedar City, Mountain America offers robust business banking services, including merchant services and business loans. Whether you're just starting out or looking to expand, our dedicated staff can help tailor solutions that fit your unique business needs.
Digital Banking Convenience
In today's fast-paced world, convenience matters. That's why we provide top-notch online and mobile banking features that allow you to manage your accounts anytime, anywhere. With services like mobile payments and person-to-person transfers, staying on top of your finances has never been easier. While we currently do not have ATM or drive-thru services at this branch, our online platforms ensure that accessing your funds is just a click away.
Financial Assistance
Life can be unpredictable, which is why we also offer personal loans and debt consolidation services. If unexpected expenses arise or you're looking to simplify your finances by consolidating debt, we're here to assist you in finding the right solution. Additionally, our credit cards with rewards program lets you earn points on everyday purchases. It's a great way to make your spending work for you while enjoying the benefits of cash back or travel rewards.
Get in Touch
If you have questions about our services or want personalized guidance tailored to your financial situation, don't hesitate to reach out! You can call us at 435-586-0143 during our lobby hours from Monday through Friday between 9:00 AM and 6:00 PM. We look forward to helping you achieve all of your financial goals! Visit us at Mountain America today!
Personal Banking
Managing your finances is easier than ever with our personal banking options. We offer checking and savings accounts that cater to your daily needs and long-term goals. Imagine having a flexible checking account with no monthly fees, allowing you to manage your spending without any stress. For those looking to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates and terms, making it simple to drive away in the car of your dreams. When it comes to homeownership, we have you covered with our mortgage loans and refinancing solutions. Whether you are buying your first home or looking to refinance your existing mortgage for better rates, our team is here to help you through every step of the process.
Digital & Online Banking
Convenient Payment Options
For those times when you need to send money quickly, our person-to-person transfer option makes it simple to pay friends or family directly from your account. Plus, with mobile payments enabled, making purchases using your phone is not only convenient but also secure. At Mountain America, we are committed to providing accessible financial solutions tailored to fit your lifestyle. Embrace the ease of digital banking and take charge of your financial future today!
User-Friendly Features
We know that security is a top concern for our members. That's why we utilize electronic signature authorization to keep your transactions safe and secure. You can confidently complete important documents from the comfort of your home without worrying about the safety of your information. Additionally, our e-statements feature allows you to view and manage your statements digitally. No more waiting for mail or worrying about paperwork piling up! And if you're looking for even more flexibility, our mobile application is available for download, making it easy to bank right from your smartphone.
Financial Strength
A Growing Community
With total share accounts reaching 3,572,351, we showcase a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $180,378,688, reinforcing our commitment to being a reliable partner for your financial journey. 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 410 N Main St Cedar City Ut 84720 or call (435) 586-0143 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.
A Team You Can Trust
Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 3,027 full-time employees and 399 part-time employees ready to assist you with knowledgeable service.
Commitment to Your Savings
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.
Investing Back into Services
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 have $285,235 in used auto loans and $16,366,923,635 in total loans and leases available to support your financial goals across various sectors.
Solid Financial Foundation
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.
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 purchasing a new vehicle or a reliable used car, we have financing solutions that make it easy for you to drive away happy.
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 terms and competitive rates to ensure you find the right fit for your financial situation.
Refinancing Options
If you're considering refinancing any of your existing loans be it an auto loan or mortgage we're here to guide you through the process. Our knowledgeable staff can provide insights into eligibility and help you find the best options available. Whether you're looking for a personal loan or business financing with our outstanding commercial loans totaling $2,148,145,550, Mountain America is committed to supporting your financial journey. For more information or to discuss which loan products might be right for you, please don't hesitate to reach out. You can contact us at (435) 586-0143 or visit us at 410 N Main St Cedar City UT 84720. 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 our offerings today and let us help you take the next step toward achieving your dreams!
Unsecured Credit Cards
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 benefits that can make daily spending easier and more rewarding.
Loan Aggregator
Ensuring Accurate Comparisons
LendMesh stands out for its commitment to accuracy and transparency. 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 ensures that users receive fair and transparent offers tailored to their needs.
Key Benefits of Using LendMesh
- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring that you have access to genuine and trustworthy information. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. This approach guarantees that users receive unbiased results. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, you can make informed decisions quickly and efficiently. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective the platform is in assisting borrowers like you. 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.