Mountain America Credit Union

Nestled in the vibrant Saint George community, the Mountain America branch at 883 N 3050 E is your welcoming local credit union dedicated to helping you achieve financial success. Open Monday through Friday from 9:00 a.m. to 6:00 p.m., this branch specializes in some of the best auto loans and vehicle financing options, designed to get you behind the wheel with competitive rates and flexible terms tailored just for you. Whether you're purchasing a new car or refinancing an existing loan, Mountain America Saint George offers expert guidance every step of the way.
Beyond outstanding vehicle financing, members benefit from low mortgage rates and refinancing solutions that make homeownership more attainable. This full-service branch also provides personal banking solutions including checking and savings accounts, credit cards with rewarding perks, personal loans ideal for debt consolidation, and business banking services such as merchant solutions and business loans crafted to support local entrepreneurs. While there is no on-site ATM or drive-thru, convenient cash withdrawal services are available alongside robust online and mobile banking platforms for seamless money management anytime.
Experience trusted community-focused financial care combined with top-tier auto loans and mortgage lending at Mountain America Saint George. Visit us today or call 435-627-1142 to explore how we can help 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 success right here in Saint George, UT. Located at 883 N 3050 E, our branch has proudly served our community since 1936, helping individuals and families reach their financial goals. With a strong commitment to our members, we currently support over 1,295,749 members and manage total assets of $20,276,595,321. At Mountain America, we believe in creating a supportive environment where every member feels valued. Our dedicated team of 3,426 employees is led by CEO Sterling Nielsen and Board President Scott Burt, who are passionate about delivering exceptional service and innovative financial solutions tailored to your needs. While you can visit us at our branch for personal banking services such as checking and savings accounts, auto loans, mortgages, and more, please remember that official correspondence should be sent to our mailing address: 883 N 3050 E, Saint George, UT 84790-9041. We take pride in our community impact; with total deposits reaching $2,498,647,369 and total loans amounting to 1,010,477, we strive to foster economic growth and support local businesses. Our net worth stands at an impressive $1,866,422,746, reflecting our solid financial foundation and commitment to serving you better. Whether you're looking for personal loans or business banking services, we have the tools you need to succeed. Feel free to give us a call at (435) 627-1142 or visit our website at www.macu.com for more information. Join us today and experience the Mountain America difference!

Branch History & Mission

Mountain America has a rich history rooted in community and service since its opening in 1936. Located at 883 N 3050 E in the beautiful city of Saint George, UT, this branch has grown alongside its members, evolving to meet their financial needs over the decades. With a total membership of over 1.2 million and assets amounting to an impressive $20,276,595,321, Mountain America stands as a pillar of support for individuals and families in the area. The mission of Mountain America is simple yet profound: to provide exceptional financial services while supporting the communities it serves. Whether it's through personal banking options like checking and savings accounts or vital services such as auto loans and mortgages, Mountain America is dedicated to helping its members achieve their financial goals. The commitment to community extends beyond banking; it includes active participation in local events and partnerships that foster growth and well-being. While members can visit us at our main branch address 883 N 3050 E, Saint George, UT 84790 official correspondence should be sent to our mailing address at 883 N 3050 E, Saint George, UT 84790-9041. This ensures that we stay connected with our members no matter how they choose to reach out. As we move forward in a digital world, Mountain America embraces technology by offering online and mobile banking services that make managing finances easy and accessible. Our branch operates Monday through Friday from 9:00 AM to 6:00 PM, providing ample opportunity for members to engage with our staff. Although we currently do not offer ATM or drive-thru services at this location, our focus remains on delivering personalized service within our lobby. Our team is always ready to assist you with any inquiries or transactions you may need. Join us at Mountain America in Saint George and experience the difference a member-focused credit union can make in your financial journey. Together, we can work towards building a brighter future for you and your community! For more information or to get started today, feel free to call us at (435) 627-1142 or visit our website at Mountain America.

Branch Location & Accessibility

Welcome to Mountain America, your friendly neighborhood credit union located at 883 N 3050 E in beautiful Saint George, UT. Nestled in Washington County, our branch is conveniently situated near local favorites like the Red Cliffs Desert Reserve and just a short drive from the bustling downtown area. Whether you're stopping by for personal banking services or exploring our loan options, we are here to serve you. At Mountain America, we pride ourselves on accessibility. Our branch features ADA-compliant facilities, ensuring that everyone can easily access our services. While we currently do not have a drive-thru option or ATMs at this location, our dedicated staff is always ready to assist you inside. We understand that your time is valuable, which is why our lobby hours are designed to accommodate your schedule. We are open Monday through Friday from 9:00 AM to 6:00 PM, providing ample opportunity for you to visit us at your convenience. If you need to reach us before coming in, feel free to give us a call at 435-627-1142. While members can visit us at 883 N 3050 E for all their banking needs, please note that official correspondence should be sent to our mailing address: 883 N 3050 E, Saint George, UT 84790-9041. We invite you to explore all that Mountain America has to offer, including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our team looks forward to welcoming you and assisting with any financial goals you may have!

Member Eligibility

At Mountain America, we believe that becoming a member means joining a community that truly cares about your financial well-being. If you're interested in membership, you'll be pleased to know that eligibility is designed to be welcoming and inclusive. Generally, anyone who lives, works, or worships in our local area can join. Additionally, family members of existing members are also welcome to apply. This means you can enjoy the benefits of personalized banking services and community support right here at our branch located at 883 N 3050 E Saint George Ut 84790. Starting your journey with us is easy! We invite you to reach out at (435) 627-1142 for any questions or assistance with the account opening process. To get all the details on eligibility criteria, feel free to visit our website. Joining Mountain America opens up a world of financial opportunities tailored just for you!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer merchant services that simplify transactions for local businesses. Picture a retail store in Saint George, UT, efficiently processing customer payments with ease. Our merchant services provide businesses with the tools they need to accept payments seamlessly, enhancing customer satisfaction and boosting sales. Whether you're a member or looking to join our community, Mountain America is here to support your business journey every step of the way. Visit us at 883 N 3050 E Saint George Ut 84790 or call (435) 627-1142 for more information about how we can help your business flourish!

Our 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

Business Banking

For entrepreneurs and business owners, we offer tailored solutions through our business banking services. This includes everything from essential merchant services that help you accept payments easily, to customized business loans designed to fuel growth and innovation within your company.

Credit Cards

Looking for rewards while you spend? Our credit cards with rewards let you earn points on everyday purchases which can be redeemed for exciting perks. It's an excellent way to get more out of your spending while keeping your finances in check.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your accounts from anywhere at any time. With options like mobile payments, e-statements, and person-to-person transfers, staying on top of your finances has never been easier. At Mountain America, we pride ourselves on being more than just a financial institution; we're a community partner committed to supporting your financial journey. If you have questions or need assistance navigating any of our services, don't hesitate to reach out! Call us at 435-627-1142, or visit us at our branch location in Saint George. Explore how Mountain America can help meet your financial needs today!

Home Financing

Buying a home is one of the biggest decisions you'll make. Our team is here to guide you through the process with our mortgage loans and refinancing options. We take the time to understand your goals so you can secure the best loan for your situation. Whether you're purchasing your first home or refinancing your existing mortgage, we're committed to helping you find the right solution.

Personal Banking

Whether you're opening your first checking account or saving for a dream vacation, our personal banking services are designed with you in mind. We offer various checking and savings accounts that fit different lifestyles and needs. Plus, if you're looking to finance a new vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms to help you hit the road sooner.

Personal Loans

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation options, you can manage those challenges head-on. We work closely with our members to create manageable payment plans that ease financial burdens while allowing for future growth.

Digital & Online Banking

Key Services

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. If you're always on the go, our mobile application provides all the features you need right at your fingertips. You can even make mobile payments seamlessly, making transactions faster and more convenient. Need to send money to a friend? Our person-to-person transfer feature makes it easy to share funds with just an email or phone number. Plus, with electronic signature authorization available, signing documents is quick and secure no need to print or scan anything. We also prioritize your financial health with e-statements that provide a clear view of your account activity while helping you reduce paper clutter. Accessing your statements online means you're always in the loop about your finances.

Security and Ease of Use

Security is paramount in today's digital world. That's why our online banking systems employ advanced encryption technologies to keep your information safe. You can manage your accounts with peace of mind, knowing that we take every precaution to protect your data. Overall, our digital banking services at Mountain America are designed for accessibility and ease-of-use, giving you real-time control over your finances without compromising on security. Whether you're at home or on the go, you can trust us to be there for all your banking needs!

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 in today's world, having a strong financial foundation is essential for your peace of mind. 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. Additionally, our lending capacity supports your financial goals with $285,235 in used auto loans and a total of $16,366,923,635 in loans and leases 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, 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 883 N 3050 E Saint George Ut 84790 or call (435) 627-1142 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 considering financing for a brand-new vehicle or a reliable used car, we've got options that can fit your budget.

Commercial Loans

If you're a business owner looking for capital to grow and expand, our outstanding commercial loans totaling $2,148,145,550 can provide the financial support you need. At Mountain America, we also understand that life can change unexpectedly. That's why we offer refinancing options across our loan products to ensure that you always have access to the most favorable terms. For more information about our loan offerings or to discuss eligibility options tailored specifically for you, please call us at (435) 627-1142 during our lobby 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 navigate your financial journey today!

Credit Lines and Personal Loans

For those looking for flexibility in managing expenses, we provide credit lines totaling $6,373,442,492. This is perfect for unexpected costs or planned purchases where you need quick access to funds. Additionally, we have flexible terms on unsecured credit card loans with a total of $981,936,213 available to help you manage your finances effectively.

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. Our knowledgeable team can guide you through the process to help you find the best solution for your housing needs.

Loan Aggregator

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