Mountain America Credit Union

Nestled in the vibrant community of Midvale, the Mountain America branch at 7325 S Union Park Ave is your friendly neighborhood credit union committed to helping you take confident steps toward your financial goals. Known for offering some of the best auto loans and vehicle financing options, this welcoming branch makes it easy to get behind the wheel with competitive rates and flexible terms tailored just for you. Open Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays from 9:00 a.m. to 2:00 p.m., members also enjoy convenient cash withdrawal services paired with seamless online and mobile banking platforms that put your finances at your fingertips.
At Mountain America Midvale, you'll find a full suite of personal banking solutions including checking and savings accounts designed for everyday convenience, credit cards loaded with rewarding perks, as well as mortgage loans and refinancing options to help make homeownership more affordable. Business owners can also access merchant services and business loans crafted to support local growth. While this location does not feature an ATM or drive-thru, its dedicated team ensures personalized service every step of the way.
Experience trusted, community-focused financial care combined with top-tier vehicle financing and mortgage lending at Mountain America Midvale. Visit us today or call 801-566-0278 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 financial partner located at 7325 S Union Park Ave, Midvale, UT 84047. Since our establishment in 1936, we have proudly served our community with a commitment to providing exceptional banking services tailored to meet your needs. With a robust membership of over 1.29 million individuals, we strive to create lasting relationships built on trust and support. At Mountain America, we understand the importance of reliable financial services. Our total assets amount to an impressive $20,276,595,321, reflecting our stability and ability to serve you better. We are dedicated to empowering our members through various offerings including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Our leadership team is here to ensure that your experience with us is nothing short of excellent. Led by CEO Sterling Nielsen and Board President Scott Burt, our staff of 3,426 employees is always ready to assist you in achieving your financial goals. While members can visit us at 7325 S Union Park Ave, official correspondence should be sent to the same address as our mailing address: 7325 S Union Park Ave, Midvale, UT 84047-1816. With total deposits reaching $2,498,647,369 and a net worth of $1,866,422,746, you can be confident in the security of your finances with us. Additionally, we hold more than $302,213,181 in cash on hand for added peace of mind. Discover how Mountain America can help you thrive financially. Feel free to reach out via phone at 801-566-0278 or explore our website at Mountain America for more information about our services. We look forward to welcoming you into our community!

Branch History & Mission

Mountain America, located at 7325 S Union Park Ave in Midvale, Utah, has a rich history that dates back to its founding in 1936. Over the decades, we have grown from a small local credit union into a vibrant financial institution serving over 1.2 million members and managing total assets of more than $20 billion. Our journey reflects not just growth in numbers but also an unwavering commitment to our community. From the very beginning, Mountain America's mission has been clear: to empower individuals and families through affordable financial services and support. We believe that everyone deserves access to quality banking solutions that can help them achieve their financial goals. Whether it's through checking and savings accounts, auto loans, mortgages, or business financing, our focus remains on providing value and fostering financial wellness for all members. As we evolved, we embraced modern technology to enhance member experiences. Today, we offer convenient online and mobile banking options that allow our members to manage their finances anytime and anywhere. We are proud of our ADA-compliant facilities and customer-centric initiatives that make banking easier for everyone. While you can visit us at our branch location in Midvale, official correspondence should be sent to the same address: 7325 S Union Park Ave, Midvale, UT 84047-1816. Our doors are open 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 have ATM or drive-thru services available at this branch, our dedicated staff is always ready to assist with any questions or needs you may have. At Mountain America, community involvement is at the heart of what we do. We actively engage in partnerships with local organizations and support various outreach efforts aimed at improving the lives of those around us. This commitment is reflected in every service we provide and every interaction we have with our members. Join us today at Mountain America and experience the difference that a member-focused credit union can make in your life. Together, let's work towards building a brighter financial future! For more information or assistance, feel free to call us at 801-566-0278 or visit our website at www.macu.com.

Branch Location & Accessibility

Connect with Us

If you have any questions or need assistance before your visit, don't hesitate to call us at 801-566-0278. We look forward to welcoming you at Mountain America and helping you achieve your financial goals!

Getting Here

Our branch is not only easy to locate but also provides ample parking for all visitors. We take pride in being fully ADA compliant, ensuring that everyone can access our services comfortably. If you're planning to send any official correspondence, please note that it should be directed to our mailing address: 7325 S Union Park Ave, Midvale, UT 84047-1816.

Service Hours

At Mountain America, we prioritize your time. Our lobby hours are convenient for busy schedules: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM. Whether you need help with personal banking or business services, our friendly staff is here to assist you during these times.

Services Offered

While you're here, explore a range of services designed with you in mind. We offer everything from checking and savings accounts to auto loans and mortgage refinancing. You can also take advantage of our online and mobile banking options for added flexibility. Unfortunately, we currently do not have ATM services or drive-thru banking available at this location.

Member Eligibility

At Mountain America, we believe that becoming a member is more than just opening an account; it's about joining a caring community that supports your financial journey. If you're looking to become part of our family, you'll find it easy and welcoming! To qualify for membership, you need to meet certain criteria, which may include living, working, or worshiping in specific areas or being affiliated with certain organizations. We encourage you to check the detailed eligibility requirements on our website at for the most current information. Once you know you're eligible, opening an account with us is a breeze! You can visit us at our branch located at 7325 S Union Park Ave Midvale Ut 84047, give us a call at (801) 566-0278, or explore our online resources for further assistance. Joining Mountain America not only gives you access to a wide range of financial products but also connects you with a network of support designed to help you thrive. We can't wait to welcome you!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

In addition to our loans, we offer merchant services that simplify payment processing for your business. Picture this: customers coming in ready to buy, and you have the tools in place to accept their payments easily and securely. From credit card processing to mobile payment solutions, we provide the resources that keep your cash flow steady. Visit us at 7325 S Union Park Ave Midvale Ut 84047 in Midvale, UT or call us at (801) 566-0278 to learn how we can assist you with tailored financial solutions that fit your business needs. Let's work together to achieve your goals!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, our services extend to meet your needs as well. We offer comprehensive business banking solutions, including merchant services to facilitate payments and business loans tailored for various purposes. At Mountain America, we support local businesses in achieving their goals.

Credit Cards and Rewards

We understand that credit plays an important role in managing finances, which is why we offer credit cards with rewards. Earn points on every purchase that can be redeemed for travel, gift cards, and more. This service not only helps you build credit but also rewards you for your everyday spending.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why we have robust online and mobile banking services that allow you to manage your accounts from anywhere. With features like mobile payments and person-to-person transfers, staying on top of your finances has never been easier. You can access your accounts, transfer funds, and pay bills all at the touch of a button.

Personal Banking Solutions

Managing your personal finances is easier than ever with our array of banking options. Our checking and savings accounts offer flexibility and ease of access, allowing you to handle your everyday transactions without hassle. Need assistance with large purchases? Our auto loans and vehicle financing options are designed to help you get behind the wheel with competitive rates and terms. For those considering homeownership or refinancing their current mortgage, our mortgage loans provide personalized solutions to fit your budget. Additionally, if you're facing unexpected expenses or looking to consolidate debt, our personal loans can be a great resource to help you regain control over your finances.

Visit Us Today!

Our friendly staff at Mountain America is ready to assist you with any questions about our services or help you find the right financial products for your needs. Don't hesitate to reach out by calling us at (801) 566-0278, or better yet, visit us 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. Your financial well-being is our priority. Discover how we can serve you best at 0055 Midvale Union Park Ave!

Digital & Online Banking

Key Features

One of the standout features is our support for e-statements. Say goodbye to paper clutter and enjoy the convenience of viewing your statements online whenever you need them. If you're in a hurry, our mobile application allows you to bank on-the-go. With just a few taps on your smartphone, you can check your account balance, deposit checks, and even make person-to-person transfers no more fumbling with cash or checks! For those who love simplicity in payments, our mobile payments feature lets you make purchases directly from your phone. It's fast and secure, so you can pay for groceries or coffee without reaching for your wallet. Security is at the forefront of our digital services. Our electronic signature authorization ensures that all your transactions are secure and verified. You can have peace of mind knowing that your information is protected while you enjoy the flexibility of managing your finances online. In today's fast-paced world, we aim to provide not just services but solutions that empower you to take control of your financial health. Experience the convenience and security of online banking at Mountain America today!

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 understand how important it is for you to feel confident in your financial institution, which is why we are committed to maintaining robust financial health. 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 you is further 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. Additionally, 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. Our operational efficiency is highlighted by 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, 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 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 7325 S Union Park Ave Midvale Ut 84047 or call (801) 566-0278 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 opting for a reliable used one, we provide flexible financing options tailored to your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. We understand the unique challenges faced by small businesses and are here to provide support every step of the way. If you're interested in refinancing any of these loans or want to explore eligibility options, feel free to reach out! You can contact us at (801) 566-0278 or visit us at our branch located at 7325 S Union Park Ave Midvale Ut 84047 in Midvale, UT. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Mountain America, we prioritize your financial well-being and are dedicated to offering you exceptional service and competitive loan products.

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're committed to guiding you through the process, ensuring that you have all the resources needed for a smooth experience.

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. Our credit cards come with rewards and benefits that make everyday spending more rewarding.

Loan Aggregator

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