Mountain America Credit Union

Nestled in the charming community of Ephraim, Utah, the Mountain America branch at 620 N Main St is your local partner for trusted financial solutions designed to help you reach your goals. Whether you're looking for some of the best auto loans available to get behind the wheel of your next vehicle or exploring low mortgage rates and refinancing options to make homeownership more affordable, this welcoming branch provides personalized service tailored to your unique needs. Open Monday through Friday from 9:00 a.m. to 6:00 p.m., members enjoy convenient cash withdrawal services alongside a full suite of personal banking products.
At Mountain America Ephraim, you’ll find checking and savings accounts built for everyday convenience, credit cards packed with rewarding perks, and flexible personal loans ideal for debt consolidation. Local business owners can also access specialized merchant services and business loans designed to support growth in the community. While this location does not feature an ATM or drive-thru, robust online and mobile banking platforms ensure managing your finances is simple anytime, anywhere.
Experience friendly, community-focused service combined with top-tier vehicle financing and mortgage solutions at Mountain America Ephraim. Visit us today or call 435-283-5222 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 partner in achieving financial success right here at our branch located at 620 N Main St, Ephraim, UT 84627. Since our establishment in 1936, we have proudly served the community with a commitment to exceptional service and support. With a robust membership of over 1,295,749 members, we are dedicated to providing tailored financial solutions that meet your unique needs. At Mountain America, we understand that your financial goals are important. That's why we offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and even business banking services to help local entrepreneurs thrive. Our total assets stand strong at an impressive $20,276,595,321, reflecting our stability and reliability as a credit union. While you can visit us at our Ephraim location for all your banking needs, please note that official correspondence should be directed to our mailing address: 620 N Main St, Ephraim, UT 84627-1119. We are proud to maintain a strong community presence while offering advanced online and mobile banking services for your convenience. Our leadership team is dedicated to fostering trust within the community. Under the guidance of CEO Sterling Nielsen and Board President Scott Burt, we strive to create an environment where every member feels valued. With a team of 3,426 employees, we're here to assist you every step of the way. With total deposits amounting to $2,498,647,369 and a net worth of $1,866,422,746, you can feel confident knowing that your finances are in safe hands. Additionally, we maintain a cash reserve of $302,213,181 ensuring liquidity for all our members' needs. Whether you're looking for competitive loan options having issued over 1,010,477 loans and leases or simply want to explore how we can assist you in managing your finances better, we invite you to reach out. Feel free to call us at 435-283-5222 or visit our website at Mountain America for more information. Join us today and experience the difference a member-focused credit union can make!

Branch History & Mission

Join Us!

We invite you to experience the benefits of being part of Mountain America. Whether you are looking for savings accounts with competitive rates or personalized loan options tailored just for you, we are here to help every step of the way. Together, let's build a brighter financial future. For any inquiries or assistance, feel free to reach us at 435-283-5222 or visit us online at Mountain America. Join us today and become part of a community that cares!

Our Mission

Our mission focuses on making a positive impact in people's lives by offering accessible financial products and services while fostering a sense of community. We believe that when our members succeed, we all succeed. That's why we actively engage in community outreach efforts and partnerships aimed at supporting local initiatives and charities. In addition to traditional banking services available during our operating hours of Monday through Friday from 9:00 AM to 6:00 PM, we embrace modern conveniences such as online and mobile banking. This ensures that our members can manage their finances anytime, anywhere. We are also committed to accessibility for all with ADA-compliant facilities. While members can visit us at 620 N Main St, official correspondence should be sent to 620 N Main St, Ephraim, UT 84627-1119 if needed. Though we currently do not offer ATM or drive-thru services at this location, our staff is always ready to assist you with your banking needs directly within the branch.

Our Story

Mountain America's story is one of commitment and growth. From our humble beginnings to becoming a cornerstone of financial support in Ephraim and beyond, we have continuously adapted to meet the needs of our members. Our branch has witnessed significant milestones along the way like expanding our services to include personal banking, auto loans, mortgages, and business banking solutions. With our headquarters in Sandy, UT, we are deeply rooted in the communities we serve. Our mission is simple: to empower our members through financial education and personalized service. We aim to provide not just banking solutions but also guidance that helps individuals achieve their financial goals.

Branch Location & Accessibility

Contact Us

For any questions or to learn more about what we offer, feel free to give us a call at 435-283-5222. We invite you to visit us at our Ephraim branch or check out our website at Mountain America for further information. We look forward to serving you soon!

Operating Hours

We understand that your schedule can be busy, so we offer flexible operating hours from Monday to Friday, opening our doors at 9:00 AM and closing at 6:00 PM. Our team is here to assist you during these hours, ready to help with everything from personal banking services to loan inquiries.

Services Offered

At Mountain America, we provide a variety of services tailored to meet your financial needs. Whether you're interested in checking and savings accounts, auto loans, mortgages, or credit cards with rewards, we have options designed just for you. And if you own a business, our merchant services and business loans can help support your ventures. While we currently don't have ATM access or drive-thru banking available at this location, our friendly staff is always on hand to assist you directly. Should you need additional assistance outside of regular hours or prefer online options, we also offer robust mobile and online banking solutions.

Member Eligibility

At Mountain America, we believe that everyone deserves access to financial services in a friendly and welcoming environment. Becoming a member is easy and opens the door to a community that truly cares about your financial well-being. If you live, work, or worship in the area, you're likely eligible to join us! We also welcome family members of existing members, making it simple for you to share the benefits of membership with those you love. To learn more about specific eligibility criteria, feel free to visit our website at . Once you're ready to take the next step, opening an account with us is straightforward! Our team at Mountain America, located at 620 N Main St Ephraim Ut 84627, is here to guide you through the process and answer any questions you might have. You can reach us at (435) 283-5222 during our operating hours from Monday to Friday, 9:00 AM to 6:00 PM. Join us today and experience the advantages of being part of a supportive community where your financial goals are our priority!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services designed to make transactions easier. Imagine a busy café using our point-of-sale solutions streamlining payments and allowing owners to focus on serving customers instead of dealing with complex payment systems. This kind of support helps local businesses thrive in today's competitive market. If you're interested in learning more about how we can assist your business, feel free to visit us at 620 N Main St Ephraim Ut 84627 in Ephraim, UT, or call us at (435) 283-5222. Let's work together to write the next chapter of your business success!

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. - 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

Auto Loans & Vehicle Financing

If you're planning to purchase a new car or refinance an existing auto loan, our Auto Loans & Vehicle Financing services can help you find the right fit for your budget. With competitive rates and flexible terms, we make it easier for you to get behind the wheel of your dream vehicle without breaking the bank.

Business Banking

For entrepreneurs and business owners, our Business Banking services include merchant services and business loans designed to help your enterprise grow. We know how crucial it is to have reliable financial support, so we strive to provide tailored solutions that meet your business needs.

Credit Cards with Rewards

Our Credit Cards with Rewards give you more than just purchasing power; they offer benefits like cashback or travel rewards on every dollar spent. It's a great way to earn while you spend, making your everyday purchases work for you.

Mortgage Loans & Refinancing

Thinking about buying a home? Our Mortgage Loans & Refinancing options offer personalized solutions tailored to your needs. We guide you through every step of the mortgage process, ensuring that you understand your choices and helping you secure the best possible rates.

Online & Mobile Banking

In today's fast-paced world, having access to your finances on-the-go is essential. With our Online & Mobile Banking features, managing your accounts has never been easier. You can perform transactions anytime and anywhere using our user-friendly app or website. At Mountain America, we value convenience and accessibility in all our services. Whether you're visiting us in person or connecting online at https://www.macu.com/, we're here to help ensure that your banking experience is smooth and efficient. To learn more about how we can assist with your financial journey or if you have any questions about our offerings, don't hesitate to reach out at (435) 283-5222 during our operating hours: Monday through Friday from 9 AM to 6 PM. Join us today and discover all the ways we can support your financial well-being!

Personal Banking

We understand that everyone has unique financial goals. That's why our Personal Banking options include checking and savings accounts designed for everyday convenience. Imagine easily managing your money online or through our mobile app, allowing you to check balances, transfer funds, and pay bills from anywhere.

Personal Loans & Debt Consolidation

Sometimes life brings unexpected expenses. Our Personal Loans & Debt Consolidation services provide quick access to cash when you need it most. Whether it's for home repairs, medical bills, or consolidating higher-interest debts into one manageable payment, we are here to support you.

Digital & Online Banking

E-Statements and Mobile Solutions

Say goodbye to paper clutter! We provide e-statements that you can easily access online whenever you need them. This not only helps the environment but also keeps your financial information organized and secure. If you're always on the go, you'll love our mobile application, which puts all of your banking needs right at your fingertips. Whether you want to check your balance or make a quick payment, everything is just a tap away.

Online Banking Features

Our online banking platform is available 24/7 at https://www.macu.com/, allowing you to check balances, pay bills, and transfer funds with just a few clicks. You'll find that managing your finances has never been easier or more secure. Plus, with our electronic signature authorization feature, signing documents is a breeze no need for paper or in-person visits!

Person-to-Person Transfers and Mobile Payments

Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast. You can quickly send money without the hassle of cash or checks. Plus, if you're using mobile payments, you can make purchases directly from your phone convenience has never been this accessible! In summary, Mountain America offers comprehensive digital banking solutions that prioritize both ease-of-use and security. With features like 24/7 online access, e-statements, electronic signatures, mobile payments, and person-to-person transfers, managing your finances has never been easier. Join us today and experience banking tailored for your lifestyle!

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. Located at 620 N Main St Ephraim Ut 84627 in Ephraim, UT, we are proud to showcase our strong financial foundation, which reassures you that your money is in safe hands. 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. Our commitment to reinvesting in our community is evident with $1,845,749,365 in undivided earnings. This allows us to enhance banking tools, strengthen lending options, and implement better security measures for our members. With $285,235 in used auto loans and $16,366,923,635 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling us to continue offering 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 ready to assist you with a knowledgeable, committed team. Net Shares (funds available for lending and investments) stand at $180,378,688, while the total number of share accounts has reached an impressive 3,572,351, showcasing 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 620 N Main St Ephraim Ut 84627 or call (435) 283-5222 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Financing Options

For business owners looking to expand or improve operations, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed for growth. At Mountain America in Ephraim (620 N Main St), we are dedicated to helping our members navigate their financial paths successfully. For more information about our loan offerings or to explore refinancing options and eligibility criteria, feel free to reach out at (435) 283-5222 during our operating hours from Monday to 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. Let us help you find the right loan product that suits your needs today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With $4,936,086,560 in used vehicle loans and $1,444,883,578 in new vehicle loans already helping members get on the road, you can trust us to provide competitive financing options that fit your budget.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $981,936,213 in unsecured credit card loans helping members manage their finances effectively, you can enjoy peace of mind knowing that you have access to funds when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $1,967,627,006. We make buying or refinancing simple and straightforward so you can focus on what matters most turning your house into a home.

Loan Aggregator

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