Mountain America Credit Union

Nestled in the scenic Millcreek community, the Mountain America branch at 1298 E Murray Holladay Rd is your friendly neighborhood credit union dedicated to helping you drive toward your financial goals. Open Monday through Friday from 9:00 a.m. to 6:00 p.m., this welcoming branch specializes in some of the best auto loans and vehicle financing options designed to get you on the road with competitive rates and flexible terms tailored just for you. Whether you're purchasing a new ride or refinancing your current loan, Mountain America Millcreek makes the process smooth and stress-free.
Beyond outstanding auto loans, members enjoy access to low mortgage rates and refinancing solutions that make homeownership more affordable. This branch also offers a full suite of personal banking services including checking and savings accounts, credit cards packed with rewarding perks, personal loans ideal for debt consolidation, and business banking options like merchant services and business loans crafted to support local entrepreneurs. While there is no on-site ATM or drive-thru, convenient cash withdrawal services combined with robust online and mobile banking platforms ensure you can manage your money anytime, anywhere.
Experience personalized service focused on top-tier vehicle financing and mortgage lending at Mountain America Millcreek. Visit us today or call 801-293-8696 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 partner in financial wellness located at 1298 E Murray Holladay Rd, Millcreek, UT 84117. Since our establishment in 1936, we have proudly served our community, growing to a membership of over 1,295,749 individuals. Our commitment to providing exceptional financial services is evident in our total assets of $20,276,595,321 and total deposits reaching $2,498,647,369. At Mountain America, we understand that every member has unique financial needs. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we have tailored options just for you. With over 3426 employees, led by CEO Sterling Nielsen and Board President Scott Burt, our team is dedicated to ensuring that you receive the best service possible. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 1298 E Murray Holladay Rd, Millcreek, UT 84117-4929. Our robust lending portfolio includes a total of 1,010,477 loans and leases, showcasing our dedication to helping you achieve your financial goals. Whether you're starting a new business or financing your dream vehicle, we're here to support you every step of the way. We invite you to explore what we can offer by visiting our website at Mountain America. For any inquiries or assistance, don't hesitate to call us at 801-293-8696 during our operating hours from Monday to Friday, 9:00 AM to 6:00 PM. Together, let's build a brighter financial future!

Branch History & Mission

Welcome to Mountain America, a credit union that has been dedicated to serving the community since its founding in 1936. Located at 1298 E Murray Holladay Rd, Millcreek, UT 84117, our branch stands as a testament to our commitment to providing exceptional financial services and fostering strong community ties. Over the years, Mountain America has grown significantly. Today, we proudly serve over 1.2 million members and manage total assets of more than $20 billion. Our journey began with a simple mission: to empower individuals and families by offering reliable financial solutions. As we evolved, we remained steadfast in our goal of helping our members achieve their financial dreams while actively participating in community support initiatives. At Mountain America, we believe that banking should be accessible to everyone. While we do not have ATM or drive-thru services at this location, our operating hours from Monday to Friday, 9:00 AM to 6:00 PM, allow us to assist you personally with all your banking needs. Our friendly staff is here to guide you through our range of services including personal banking, auto loans, mortgages, and business loans. Our mission goes beyond just providing financial services; it focuses on building relationships and supporting our community. We engage in various outreach programs and partnerships that aim to enhance the quality of life for those around us. From educational workshops to local sponsorships, Mountain America strives to make a positive impact. If you need to reach us for any inquiries or support, feel free to call us at 801-293-8696. While members can visit us at our branch address for personal assistance, official correspondence should be sent to our mailing address at 1298 E Murray Holladay Rd, Millcreek, UT 84117-4929. Join us at Mountain America and discover how we can help you on your financial journey. Together, we can build a brighter future for ourselves and our community.

Branch Location & Accessibility

Get in Touch

If you have questions or need assistance before visiting us, don't hesitate to give us a call at 801-293-8696. We look forward to welcoming you at Mountain America your trusted partner for all your financial needs!

Operating Hours

Our team is ready to assist you from Monday to Friday between 9:00 AM and 6:00 PM. We know that life can get busy, so we aim to provide convenient hours that fit into your schedule. Whether you're looking to open a new account or discuss loans and refinancing options, we encourage you to drop by during these hours.

Parking and Accessibility

We understand that accessibility is key for our members. Our branch features ample parking with ADA-compliant spaces available, ensuring that everyone can access our services easily. If you're driving through the area or just need a quick banking errand during your day, we're here to help make it as smooth as possible.

Services Offered

At Mountain America, we offer a variety of personal and business banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgages, we strive to make banking simple and accessible for everyone. While we currently do not have an ATM or drive-thru service at this location, our dedicated staff is here to provide personalized service that goes beyond traditional banking.

Member Eligibility

Joining the Mountain America community is more than just opening an account it's about becoming part of a supportive family dedicated to your financial well-being. If you're wondering how to become a member, it's quite simple! Generally, anyone who lives, works, or worships in our service areas can join us. We're here for everyone, whether you're a first-time bank user or looking for a fresh start with better financial options. For the most detailed and updated information on eligibility, feel free to check out our website at . Once you confirm your eligibility, opening an account with us is a breeze. Our friendly staff at the branch located at 1298 E Murray Holladay Rd Millcreek Ut 84117 is ready to assist you every step of the way. You can also reach us at (801) 293-8696 if you have any questions before visiting. We look forward to welcoming you to Mountain America and helping you achieve your financial goals!

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 today's competitive market, efficient payment processing can make all the difference. Our merchant services offer reliable solutions that allow you to accept payments seamlessly, ensuring you never miss a sale. Imagine serving customers swiftly at your store while keeping track of transactions effortlessly this is what we aim to provide for your business. Located conveniently at 1298 E Murray Holladay Rd Millcreek Ut 84117, Millcreek, UT 84117, we invite you to explore how Mountain America can be your partner in success. For inquiries, feel free to call us at (801) 293-8696 during our lobby hours from Monday to Friday, 9:00 AM to 6:00 PM.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? We understand how important reliable transportation is for our members. Our Auto Loans & Vehicle Financing options make it easier for you to drive away in the car of your dreams. With competitive rates and flexible terms, financing your next vehicle has never been more convenient.

Business Banking Services

If you're a business owner in Millcreek, we haven't forgotten about you! Our Business Banking services include merchant services and business loans tailored to help you succeed. Whether you're starting a new venture or expanding an existing one, we're here to assist with financial solutions that promote growth.

Credit Cards with Rewards

Enjoy shopping while earning rewards with our Credit Cards with Rewards program! Our cards offer cash back on everyday purchases, making it easy for you to benefit from spending wisely. Imagine getting rewarded just for using your card it's like receiving a little bonus every time you shop!

Digital Banking Features

We know that convenience is key in today's fast-paced world. That's why we provide robust online and mobile banking features so that managing your finances is just a click away. With options for mobile payments and person-to-person transfers, accessing your account anytime and anywhere has never been easier. For more information about how Mountain America can assist with all your banking needs or if you're ready to take the next step towards financial wellness, don't hesitate to reach out! Call us at 801-293-8696, or visit us at our branch located at 1298 E Murray Holladay Rd Millcreek UT 84117. Your journey toward financial empowerment starts here!

Mortgage Loans & Refinancing

For those considering homeownership or looking to refinance an existing mortgage, our Mortgage Loans & Refinancing services are designed with you in mind. Picture yourself settling into a new home with manageable monthly payments that fit your budget. Our experienced staff can guide you through the process and help find the best solution for your unique situation.

Personal Banking Solutions

Managing your finances should be straightforward and accessible. That's why we offer Personal Banking options, including checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds whenever you need them while also earning interest on your savings. Our accounts come with features like online banking, allowing you to check balances, pay bills, and transfer money right from your mobile device or computer.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options to help you regain control of your finances. Whether it's for medical bills, home repairs, or consolidating debt into one manageable payment, we're here to provide support with straightforward solutions.

Digital & Online Banking

Key Features for Your Convenience

Our 24/7 online banking service allows you to access your accounts whenever you need. You can view balances, transfer funds, and pay bills with just a few taps on your device. If you're looking to send money quickly to friends or family, our person-to-person transfers make it simple and fast. Plus, with our mobile application available for download, you can manage your finances right from your smartphone. We also prioritize security in all our digital transactions. With features like electronic signature authorization, you can sign documents safely and confidently without the hassle of paper forms. Our e-statements keep you organized while reducing paper clutter, so you can easily track your financial activities.

Making Payments Hassle-Free

For those who prefer using their phones for payments, our mobile payments feature allows you to make transactions conveniently at stores and online. This means no more digging through your wallet for cash or cards just tap and go! At Mountain America, we aim to provide an accessible and user-friendly experience for all members. Whether you're tech-savvy or just getting started with online banking, our tools are designed with you in mind. Enjoy real-time account management and peace of mind knowing that your information is protected. Explore the future of banking with us today! Visit https://www.macu.com/ to get started on enhancing how you manage your finances.

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 that you want to feel confident about where you place your money, and we are dedicated to ensuring that our financial strength is evident. 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 robust with $285,235 in used auto loans and $16,366,923,635 in total loans and leases, supporting members' financial goals across various sectors. While our operational efficiency shines through with a net income of $0, it allows 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 who are always ready to assist you with a knowledgeable, committed team. Our net shares available for lending and investments stand at $180,378,688, reinforcing our ability to support your financial endeavors. The trust placed in us by our growing member base is reflected in the total share accounts of 3,572,351. 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 1298 E Murray Holladay Rd Millcreek Ut 84117 or call (801) 293-8696 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

Additional Information

If you're considering refinancing any existing loans or exploring eligibility options for our loan products, please don't hesitate to reach out. We're here to help you find the best solution for your needs. For more details about our loan offerings or to speak with a representative about how we can assist you further, feel free to contact us at 801-293-8696 or visit us at 1298 E Murray Holladay Rd Millcreek UT 84117. 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 Mountain America be your trusted partner on your financial journey!

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 interested in financing a new model or a dependable used vehicle, we have options that fit your budget.

Business Loans

For business owners looking to grow and expand their ventures, our outstanding commercial loans total $2,148,145,550, providing the capital necessary for investment and development. We're dedicated to supporting local businesses as they thrive in our community.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,967,627,006, making it easier for you to settle into your dream home or refinance your existing mortgage at competitive rates.

Unsecured Credit Card Loans

Managing finances can be challenging. That's why we provide 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 needed without the burden of collateral.

Loan Aggregator

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