Mountain America Credit Union

Nestled in the heart of Duchesne, the Mountain America branch at 39 E Main St is your welcoming financial partner committed to helping you achieve your dreams. Whether you're ready to take advantage of some of the best auto loans in Utah or exploring competitive mortgage loans and refinancing options, this friendly branch offers personalized guidance tailored to your unique financial journey. Open Monday through Friday from 9:00 a.m. to 6:00 p.m., members enjoy convenient cash withdrawal services alongside a full range of personal banking solutions.
At Mountain America Duchesne, discover checking and savings accounts designed for everyday convenience, credit cards with rewarding perks, and flexible personal loans ideal for debt consolidation. Local business owners can also benefit from merchant services and business loans crafted to support growth within the community. While this location does not have an ATM or drive-thru, robust online and mobile banking platforms make managing your money simple anytime, anywhere.
Experience trusted local service combined with top-tier vehicle financing and mortgage lending at Mountain America Duchesne. Visit us today or call 435-738-0558 to explore 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 39 E Main St, Duchesne, UT 84021. Since our establishment in 1936, we have been dedicated to serving the needs of our community with a personal touch. With over 1,295,749 members and assets totaling an impressive $20,276,595,321, we pride ourselves on being a cornerstone of financial stability and support for individuals and families alike. At Mountain America, we understand that each member has unique financial goals and dreams. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. Our commitment to fostering strong relationships means that you can always count on us for guidance tailored to your specific needs. Our leadership team is led by CEO Sterling Nielsen and Board President Scott Burt, who both share a passion for helping our members achieve their financial aspirations. With a dedicated staff of 3,426 employees, we ensure that every visit or call you make is met with knowledgeable and friendly service. While members can visit us at our branch location in Duchesne, official correspondence should be sent to the same address: 39 E Main St, Duchesne, UT 84021. Feel free to reach out to us at (435) 738-0558 for any inquiries or assistance regarding your accounts. Join us at Mountain America as we continue to build a brighter financial future together! Visit our website at www.macu.com to learn more about how we can assist you today.

Branch History & Mission

At Mountain America, we take pride in our rich history and unwavering commitment to serving our community. Established in 1936, our branch located at 39 E Main St, Duchesne, UT 84021 has been a cornerstone of financial support for generations. Over the years, we've grown alongside our members, evolving into a trusted credit union with a total membership of over 1.2 million and assets exceeding $20 billion. From our humble beginnings, we have focused on building strong relationships with our members. Our mission is simple yet powerful: to help our members achieve their financial dreams while fostering a sense of belonging within our community. We believe that everyone deserves access to quality financial services, and we are dedicated to providing personalized solutions that meet the unique needs of each member. While members can visit us at our physical location in Duchesne, official correspondence should be sent to the same address. As part of our mission, we ensure that all individuals have access to essential banking services. Although we currently do not offer ATM or drive-thru services at this branch, we have made significant strides in digital banking advancements. Members can enjoy online and mobile banking options that allow for easy account management from anywhere. Our branch is more than just a place for transactions; it's a hub for community support and outreach. We actively participate in local events and initiatives that uplift the residents of Duchesne and surrounding areas. By partnering with local organizations, we strive to make a positive impact on those around us. As we look toward the future, Mountain America remains committed to maintaining high standards of service while embracing new technologies to enhance member experiences. Our team is passionate about helping you navigate your financial journey, whether you're seeking personal banking options like checking accounts or loans or business banking solutions tailored for your small business. Join us at Mountain America as we continue this legacy of trust and service. Experience firsthand how we can help you achieve your financial goals together, let's build a brighter future! For more information or assistance, feel free to call us at 435-738-0558 during our operating hours from Monday to Friday, 9:00 AM to 6:00 PM.

Branch Location & Accessibility

Connect With Us

Feel free to call us at 435-738-0558 if you have any questions or would like more information about our services. We look forward to welcoming you at Mountain America! Your financial journey starts here come see how we can help you achieve your goals today!

Nearby Landmarks and Accessibility

Situated near the heart of Duchesne, our branch is just a stone's throw away from local favorites like the Duchesne County Library and the beautiful Strawberry Reservoir. This makes it simple for you to stop by during your errands or while enjoying a day out. Our location is designed with accessibility in mind, ensuring that everyone can visit us comfortably. We comply with ADA standards and have ramps available for those who need them.

Operating Hours and Services

We invite you to visit us Monday through Friday from 9:00 AM to 6:00 PM. Our operating hours are crafted to fit your busy schedule, allowing you to manage your banking needs conveniently. While we currently do not offer ATM services or drive-thru banking, our team is ready to assist you inside the branch with personal banking services including checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and more. If you ever need to send us official correspondence, please note that our mailing address is also 39 E Main St, Duchesne, UT 84021.

Member Eligibility

Becoming a member of Mountain America is like joining a caring family that's dedicated to your financial well-being. We welcome individuals who live, work, or worship in our community, making it easy for you to connect and thrive with us. Whether you're looking for personal banking services or business solutions, our friendly team is here to help you every step of the way. You can find all the details about eligibility and what it means to be part of our community at . Ready to get started? Opening an account is simple! Just give us a call at (435) 738-0558, or stop by our branch located at 39 E Main St Duchesne Ut 84021 during our convenient hours. Join us today and experience the benefits of being a valued member of Mountain America!

Business Banking & Commercial Services

Financing That Fuels Growth

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 like the local café that expanded its menu and hired more staff or the retail store that opened a second location thanks to our flexible financing options. For those outside our member community, we also support the broader business landscape with $0 in non-member commercial loans. This means we are here to help all businesses thrive, providing the financial backing they need to realize their visions.

Merchant Services Tailored for You

In today's fast-paced environment, efficient merchant services can be a game-changer for your business. At Mountain America, we offer solutions that simplify transactions and improve customer experiences. Imagine being able to accept payments seamlessly whether it's through mobile devices or online platforms making it easier for your customers to shop with you. With an outstanding commercial loan portfolio of $2,148,145,550, we continue to drive economic growth by financing new and expanding businesses in Duchesne, UT. Let us partner with you on this journey; together, we can build a brighter future for your business. Feel free to reach out at (435) 738-0558 or visit us at 39 E Main St Duchesne Ut 84021 for personalized assistance tailored to your business needs!

Comprehensive List Of Services

Business Banking Support

If you're a business owner, our business banking services can help streamline your operations. From merchant services that facilitate payments to business loans that fuel growth, we are committed to helping your business thrive.

Cash Withdrawal Services

Although we currently do not offer ATM services at this location, our staff is always available during lobby hours Monday through Friday from 9:00 AM to 6:00 PM to assist with any cash withdrawal needs or inquiries about our services. At Mountain America, we understand that each member's journey is unique. That's why we're here to provide tailored financial solutions just for you. If you're ready to take the next step towards achieving your financial goals or if you have questions about any of our services, please give us a call at 435-738-0558. Visit us today and discover how we can support you on your path to financial success! Explore more about what we offer by visiting our website: Mountain America.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. Manage your accounts from anywhere with ease check balances, transfer funds, and pay bills right from your smartphone or computer.

Home Financing Made Easy

For those dreaming of homeownership or looking to refinance their existing mortgage, we provide competitive mortgage loans and refinancing options. Our team will guide you through the process, ensuring that you find a plan that works best for your budget.

Personal Banking Solutions

Whether you're looking to open a checking account or save for the future, our personal banking services have got you covered. We offer various checking and savings accounts tailored to fit your lifestyle. Need a vehicle? Our auto loans and vehicle financing options make it easy for you to drive away in the car you want without breaking the bank.

Rewarding Credit Card Options

Our credit cards with rewards allow you to earn points while making everyday purchases. Enjoy the benefits of cashback or travel rewards, giving you more reasons to choose Mountain America for your spending needs.

Simplifying Personal Finances

Life can be unpredictable, but with our personal loans and debt consolidation services, you can manage your finances with confidence. Whether it's unexpected expenses or consolidating high-interest debt, we're here to assist you every step of the way.

Digital & Online Banking

Key Services

With our online banking platform available at https://www.macu.com/, members can enjoy a range of services designed to enhance their banking experience. You can check your balance, transfer funds, and pay bills all in real-time. If you're looking for an easier way to manage your payments, our mobile payments feature allows you to make secure transactions right from your smartphone.

Security You Can Trust

We prioritize your safety with robust security measures in place. With electronic signature authorization available, signing important documents is quick and hassle-free, ensuring that your sensitive information remains protected. Our commitment to providing 24/7 online banking services means you can bank whenever it suits you best without worrying about security. In summary, Mountain America is dedicated to making banking easy and accessible for all members through our comprehensive digital and online services. Explore everything we have to offer today!

User-Friendly Features

Managing your finances has never been simpler! Our mobile application lets you access all of these features from the palm of your hand. Plus, you can send money to friends or family quickly with our person-to-person transfers. And for those who prefer going paperless, we offer electronic statements that keep your information secure while being environmentally friendly.

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 committed to providing a safe and reliable banking experience that you can trust. 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. Our commitment to growth is reflected in our $1,845,749,365 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $285,235 in used auto loans and $16,366,923,635 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Although our net income is currently at $0, it reflects our operational efficiency as we continue working diligently to provide 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. Net Shares (Funds available for lending and investments): $180,378,688. Total Share and Deposit Accounts: 3,572,351, showing 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 39 E Main St Duchesne Ut 84021 or call (435) 738-0558 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 and competitive rates designed to fit your budget and help you drive away happy.

Business Financing

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. We understand that running a business comes with unique challenges; thus we are dedicated to supporting local businesses through tailored lending solutions. At Mountain America in Duchesne, we strive to empower our members by providing clear information and helpful resources about our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're looking for personal loans for debt consolidation or financing for a new venture, we're here to guide you every step of the way. Visit us today or give us a call; let's make your financial dreams come true!

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 various mortgage solutions that cater to different needs and situations. If you're considering refinancing your current mortgage, our team is ready to assist you through every step of the process.

Unsecured 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. This option allows for easy access to credit without needing collateral. You can use it for everyday expenses or unexpected costs while enjoying peace of mind knowing that we are here to help.

Loan Aggregator

Benefits of Using LendMesh

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