Mountain America Credit Union

Nestled in the vibrant Layton community, the Mountain America branch at 955 W Antelope Dr is your trusted local credit union dedicated to helping you achieve financial success. Whether you’re aiming to secure one of the best auto loans on the market or exploring competitive mortgage loans and refinancing options, this friendly branch offers expert guidance tailored to your unique goals. Open Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays until 2:00 p.m., members enjoy convenient cash withdrawal services alongside seamless online and mobile banking platforms that make managing your finances effortless anytime, anywhere.
At Mountain America Layton, you’ll find a full range of personal banking solutions including checking and savings accounts designed for everyday convenience, credit cards with rewarding perks, flexible personal loans ideal for debt consolidation, and comprehensive business banking services such as merchant solutions and business loans crafted to support local entrepreneurs. Although this location does not feature an ATM or drive-thru, its dedicated team ensures you receive personalized service and access to top-tier vehicle financing and mortgage lending.
Experience community-focused financial care combined with exceptional auto loan and mortgage options at Mountain America Layton. Visit us today or call 801-776-4212 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 financial growth and community support. Located at 955 W Antelope Dr, Layton, UT 84041, we have been proudly serving our members since 1936. With a strong commitment to enhancing the financial well-being of our members, we are more than just a credit union; we are a part of your community. At Mountain America, we believe in empowering you with the tools and resources you need to achieve your financial goals. Our total assets stand at an impressive $20,276,595,321, reflecting our stability and commitment to providing you with secure banking options. With over 1,295,749 members, we are dedicated to ensuring that everyone has access to the services they need. Our total deposits reach $2,498,647,369, demonstrating the trust our members place in us. Our leadership team, led by CEO Sterling Nielsen and Board President Scott Burt, is passionate about fostering a welcoming environment for all members. They understand that each member's journey is unique and strive to provide personalized solutions that fit your needs. While you can visit us at our branch for any of your banking needs, please note that official correspondence should be sent to our mailing address: 955 W Antelope Dr, Layton, UT 84041-1634. Whether you're looking for personal banking options like checking and savings accounts or exploring loans for vehicles or homes, we've got you covered. Our offerings also include business banking services and online banking solutions designed for convenience and flexibility. Ready to take control of your financial future? Call us at 801-776-4212 or visit our website at Mountain America today! We're here to help you every step of the way.

Branch History & Mission

Welcome to Mountain America, a credit union with a proud history and a strong commitment to serving the community in Layton, Utah. Since our doors opened in 1936, we have grown from a small organization into a trusted financial institution that now serves over 1.2 million members across the nation. Our branch is located at 955 W Antelope Dr, Layton, UT 84041, making it easily accessible for all who seek our services. Over the decades, Mountain America has achieved remarkable milestones. With total assets exceeding $20 billion, we have become one of the leading credit unions in the region. This growth reflects our dedication to providing excellent financial services and building strong relationships with our members. We take pride in our mission to empower individuals and families by offering personalized banking solutions that meet their unique needs. At Mountain America, our mission is more than just numbers; it's about people. We strive to enhance the financial well-being of our members through a wide range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and credit cards with rewards. Our commitment extends beyond financial services as we actively engage in community outreach programs to support local initiatives and charitable causes. Our operating hours are designed for your convenience: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. While we currently do not offer ATM or drive-thru services at this branch, we provide robust online and mobile banking options that allow you to manage your finances anytime, anywhere. As part of our commitment to accessibility and inclusivity, we ensure that all facilities meet ADA compliance standards so everyone can benefit from our services. We invite you to experience the difference at Mountain America by visiting us or exploring our offerings online at Mountain America Website. Join us on this journey where your financial health is our priority! Whether you're looking for assistance with loans or seeking ways to grow your savings, Mountain America is here for you every step of the way. Let's build a brighter financial future together!

Branch Location & Accessibility

Get in Touch

Have questions or need assistance? Don't hesitate to call us at 801-776-4212. Our team is eager to assist you! We invite you to visit us soon and experience the exceptional service that Mountain America offers. Come see how we can help make your financial journey a little smoother!

Operating Hours

We're here for you during the week! Our lobby hours are Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. Whether you need assistance with personal banking, loans, or any other service we offer, our friendly staff is ready to help during these times.

Services We Offer

Mountain America provides a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we have solutions for individuals and businesses alike. Even if you're looking for credit cards with rewards or online banking options, we've got you covered!

Member Eligibility

At Mountain America, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming! To qualify for membership, you just need to live, work, or attend school in the areas we serve. This means if you're in our local community, you can enjoy all the benefits we offer, from competitive rates on loans to personalized banking services that truly cater to your needs. For more details on eligibility, feel free to check out our website at . Opening an account at Mountain America is straightforward and friendly just visit us at 955 W Antelope Dr Layton Ut 84041, or give us a call at (801) 776-4212 for any questions you might have. We're here to help you every step of the way as you join our family of members who are already enjoying the advantages of being with us. Your journey toward financial wellness starts here!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner that streamlines your payment processing so you can focus on what you do best running your business. Our merchant services provide the tools you need to accept payments easily, ensuring you never miss a sale. From card transactions to digital wallets, we've got you covered. Located at 955 W Antelope Dr, Layton, UT 84041, our branch is ready to assist you with all your business banking needs. Call us today at 801-776-4212 or visit Mountain America for more information!

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

ATM Services

While we currently do not have ATMs on-site, rest assured that we are committed to providing easy access to cash through various withdrawal options. We invite you to visit us at 955 W Antelope Dr Layton Ut 84041 or call us at (801) 776-4212 during our operating hours: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. Our friendly staff is eager to assist you with any inquiries regarding our services or help you get started on your financial journey. At Mountain America, we're not just about banking; we're about building relationships that last a lifetime! Come see how we can help you thrive financially today!

Business Banking Support

For our business members, we provide comprehensive Business Banking solutions that include Merchant Services and Business Loans. Whether you're starting a new venture or looking to expand an existing one, we understand that every dollar counts. That's why we tailor our services to support your unique business needs.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why at Mountain America, we offer robust Online & Mobile Banking features. You can manage your accounts anytime and anywhere with ease whether it's checking balances, transferring funds, or making payments on the go. Our platform includes features like e-statements and mobile payments for added convenience.

Credit Card Options

Don't forget about our Credit Cards with Rewards, which offer cash back and points for everyday purchases. This means every time you swipe your card, you're earning rewards that can go towards future purchases or even travel experiences!

Personal Banking Solutions

Our Personal Banking services include checking and savings accounts designed to help you manage your finances easily. Imagine having access to tools that simplify budgeting and saving, putting you one step closer to your goals. We also offer competitive Auto Loans & Vehicle Financing options, making it easier for you to hit the road with confidence. With our flexible terms and personalized service, getting behind the wheel has never been simpler. If buying a home is on your agenda, check out our Mortgage Loans & Refinancing options. We're here to guide you through the process, ensuring you find the right mortgage that fits your lifestyle. Additionally, our Personal Loans & Debt Consolidation services can help streamline your finances by consolidating multiple debts into one manageable payment, freeing up cash for what matters most.

Digital & Online Banking

Key Features

We're proud to provide features that prioritize both ease of use and security. For instance, our electronic signature authorization allows you to sign documents quickly without needing to visit a branch. Want to keep track of your statements? With e-statements available, you can view your financial activity anytime and reduce paper clutter. If you're always on the move, our mobile application offers you full access to your accounts right from your smartphone. You can even make mobile payments effortlessly perfect for those quick trips to the store! Plus, our person-to-person transfers let you send money to friends or family with just a few taps. At Mountain America, we believe managing your money should be straightforward and hassle-free. Whether you're checking balances or sending money, our user-friendly tools are designed with you in mind. Experience the future of banking today convenience is just a click away!

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. With a commitment to transparency and trust, we want to reassure you about our 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. 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 impressive; with $285,235 in used auto loans and $16,366,923,635 in total loans and leases, we support members' financial goals across various sectors. Our financial performance is reflected in our operational efficiency with a net income of $0. This enables 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. Together, they ensure 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 955 W Antelope Dr Layton Ut 84041 or call (801) 776-4212 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. Whether you're purchasing a brand-new vehicle or a reliable used car, our financing options are tailored to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. Whether you're looking to invest in equipment or cover operational costs, we have tailored solutions to support your business ambitions. At Mountain America, we believe in empowering our members through financial literacy and responsible lending. Our team is available to discuss eligibility options and refinancing opportunities that may suit your financial needs better. For more details about our loan offerings or to speak with one of our knowledgeable representatives, feel free to call us at (801) 776-4212 during our operating hours: Monday-Friday 9:00 AM - 6:00 PM and Saturday 9:00 AM - 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. We look forward to helping you reach your financial goals at Mountain America, located at 955 W Antelope Dr Layton Ut 84041!

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 can assist you through every step of the process, ensuring you find the right mortgage product for your situation.

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our unsecured credit card loans. We offer flexible terms on unsecured credit card loans, with a total of $981,936,213 in loans helping members manage their finances effectively. These cards come with benefits that cater to your spending habits while maintaining control over your budget.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to using verified information guarantees that users receive fair and transparent offers tailored to their needs.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they see is accurate and up-to-date. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This approach allows users to make informed decisions without being influenced by marketing tactics. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping users compare options efficiently. This feature is crucial for finding the best deal available. 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!" Testimonials like this highlight how LendMesh has positively impacted individuals seeking better financial solutions. 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.

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