Mountain America Credit Union

Nestled in the vibrant Saint George community, the Mountain America branch at 123 S River Rd is your trusted local credit union dedicated to helping you reach your financial goals with ease and confidence. Whether you're exploring some of the best auto loans designed to get you behind the wheel or considering low mortgage rates and refinancing options to make homeownership more affordable, this welcoming branch provides expert guidance tailored to your unique needs. 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 along with seamless online and mobile banking tools for managing finances anytime, anywhere.
At Mountain America Saint George, you’ll find a full suite of personal banking solutions including checking and savings accounts built for everyday convenience, credit cards loaded with rewarding perks, flexible personal loans ideal for debt consolidation, and business banking options like merchant services and business loans crafted to support local entrepreneurs. While this location does not feature an on-site ATM or drive-thru, its dedicated team ensures personalized service combined with trusted vehicle financing and mortgage lending expertise.
Experience community-focused financial care paired with top-tier auto loans and mortgage lending at Mountain America Saint George. Visit us today or call 435-652-1414 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

At Mountain America, we believe in building a brighter financial future for our members. Located at 123 S River Rd, Saint George, UT 84790, our branch has been serving the community since 1936. With a strong commitment to personal service and member satisfaction, we are proud to support over 1,295,749 members with their financial needs. As a member-focused credit union, we understand that trust and reliability are key in your financial journey. Our total assets stand at an impressive $20,276,595,321, and we offer a wide range of services tailored to meet your individual needs from checking accounts to auto loans and business financing. Currently, our total deposits amount to $2,498,647,369, ensuring that your savings are secure with us. Our leadership team is dedicated to fostering a community-oriented environment. Under the guidance of CEO Sterling Nielsen and Board President Scott Burt, we strive to create positive financial experiences for all our members. With a team of 3,426 employees, we are here to assist you every step of the way. For any official correspondence, while you can visit us at our branch address, please note that our mailing address is also 123 S River Rd, Saint George, UT 84790-2088. Whether you're looking for competitive loan options or simply want to explore your savings opportunities, we're here for you. Feel free to call us at (435) 652-1414 or visit our website at Mountain America for more information. Your financial journey matters to us let's take it together!

Branch History & Mission

Mountain America, located at 123 S River Rd, Saint George, UT 84790, has a rich history that dates back to its founding in 1936. Over the years, this credit union has grown into a trusted financial partner for over 1.2 million members, providing them with a wide range of services designed to meet their unique needs. From humble beginnings, Mountain America has evolved significantly. It started with a small group of visionaries who believed in the power of community and mutual support. Their mission was clear: to offer accessible financial services while fostering economic growth within the community. Today, Mountain America boasts total assets exceeding $20 billion, reflecting its commitment to sound financial practices and member satisfaction. The mission of Mountain America is not just about banking; it's about empowering individuals and families through financial education and support. The credit union aims to make financial services straightforward and accessible, ensuring that every member can achieve their personal and business goals. Whether you are looking for checking and savings accounts, auto loans, or mortgage refinancing, Mountain America stands ready to help you navigate your financial journey. While members can visit us at our branch on River Road, official correspondence should be sent to the same address: 123 S River Rd, Saint George, UT 84790-2088. Mountain America understands the importance of convenience in today's fast-paced world. Although we do not currently offer ATM or drive-thru services at this location, our online and mobile banking platforms ensure that members can manage their finances anytime and anywhere. Additionally, our operating hours from Monday through Friday (9:00 AM - 6:00 PM) and Saturday (9:00 AM - 2:00 PM) make it easy for members to stop by when it suits them best. Community engagement is at the heart of what we do. Mountain America partners with local organizations to support various outreach initiatives aimed at improving the lives of residents in Saint George and beyond. We believe that by investing in our communities, we contribute to a stronger economy for everyone. As we look toward the future, Mountain America remains committed to innovation while staying true to our core values of service and community support. We invite you to join us on this journey experience firsthand how being part of Mountain America can benefit you both financially and personally. Together, let's build a brighter tomorrow! For more information or to become a member today, please contact us at 435-652-1414 or visit our website at Mountain America.

Branch Location & Accessibility

Connect With Us!

While we currently do not offer ATM or drive-thru services at this location, our team is always available by phone at 435-652-1414 if you have any questions or need assistance. We invite you to come visit us soon and discover how Mountain America can help you achieve your financial goals!

Convenient Access and Amenities

Our branch is designed with accessibility in mind. You'll find ample parking available, along with ADA-compliant features to ensure everyone can easily access our services. While you're here, enjoy a warm greeting from our friendly staff who are ready to assist you with everything from opening a checking account to exploring loan options. If you need to send us something via mail, please note that while you can visit us at 123 S River Rd, official correspondence should be sent to our mailing address: 123 S River Rd, Saint George, UT 84790-2088.

Operating Hours and Services

We understand that life can get busy, which is why we offer flexible operating hours. Visit us Monday through Friday from 9:00 AM to 6:00 PM, and on Saturday from 9:00 AM to 2:00 PM. At Mountain America, we pride ourselves on offering a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have solutions for everyone. Business owners will also appreciate our merchant services and business loans designed to help your enterprise thrive.

Member Eligibility

At Mountain America, we believe that becoming a member is like joining a close-knit family where everyone supports one another. If you're looking to join our community, the good news is that eligibility is open to many! Generally, individuals who live, work, worship, or attend school in the areas we serve can become members. It's an easy process designed to welcome you with open arms. You'll enjoy exclusive benefits such as competitive rates on loans and savings accounts, personalized service, and access to a variety of financial products tailored just for you. To learn more about specific eligibility requirements and ensure you're on the right track, feel free to check out our detailed guide at . When you're ready to take the next step toward membership or if you have any questions, don't hesitate to reach out to us at (435) 652-1414. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

Imagine having access to financial resources that can help you expand your operations, purchase new equipment, or hire additional staff. 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 fast-paced market, having reliable merchant services is crucial. Picture this: You complete a sale in seconds with secure payment processing while offering your customers various payment options. This not only enhances their experience but also streamlines your operations. Located at 123 S River Rd, Saint George, UT 84790, Mountain America is here to provide the tools and support you need to thrive. For any questions or to learn more about how we can assist your business, give us a call at (435) 652-1414.

Comprehensive List Of Services

Additional Services

In addition to these core offerings, we also provide essential ATM & Cash Withdrawal Services, allowing for easy access to your money whenever you need it. Our commitment extends beyond traditional banking; we aim to provide an all-encompassing financial experience. At Mountain America, we're proud of the services we offer and how they empower our members in their financial journeys. If you're interested in learning more about any of these services or opening an account today, don't hesitate to visit us at our branch or check out our website at mountainamerica.com. Your financial future starts here!

Business Banking

For business owners, our Business Banking services include Merchant Services and Business Loans designed to help your company thrive. We recognize the hard work it takes to run a business, so we're here with flexible financing solutions that can adapt as your needs change.

Credit Cards

With our Credit Cards with Rewards, every purchase can bring you closer to exciting perks and benefits. Whether it's cashback on groceries or points for travel, we have options that reward you simply for using your card.

Loans and Financing

When it comes to financing big purchases like a car or home, we've got you covered with our Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing options. Picture yourself cruising in your new vehicle with manageable monthly payments that fit your budget. Or perhaps you're looking to buy a home our mortgage specialists are ready to guide you through the process and help you secure the best rates available. In addition, we offer Personal Loans & Debt Consolidation solutions for those looking to simplify their finances. With competitive interest rates, you can consolidate multiple debts into one easy payment.

Personal Banking

We understand that managing your personal finances can be challenging. That's why we offer comprehensive Personal Banking services, including checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds anytime through our convenient Online & Mobile Banking features. You can check your balance, transfer money, or pay bills right from your phone or computer.

Digital & Online Banking

Key Features

One of the highlights of our digital services is our comprehensive online banking system, accessible at https://www.macu.com/. This platform allows you to view your account balances, transfer funds, and pay bills without the hassle of visiting a branch. Plus, with 24/7 online banking services, you can manage your money whenever it suits you. For those who prefer using their smartphones, our mobile application is available for download, bringing all the features of online banking right to your fingertips. You can enjoy mobile payments for quick purchases and person-to-person transfers with just a few taps. Whether you're splitting a dinner bill or sending money to a friend, our app makes it easy.

Security and Convenience

We take security seriously at Mountain America. Our electronic signature authorization feature ensures that your transactions are safe and secure while offering you the convenience of handling important paperwork digitally. Additionally, e-statements are available to help you keep track of your financial activity without the clutter of paper statements. With all these tools at your disposal, managing your finances has never been easier. Experience the peace of mind that comes from knowing you have secure access to your accounts wherever you go. Join us today at Mountain America and discover how our digital and online banking services can enhance your banking experience!

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 are proud to share our robust financial standing, which reflects our commitment to serving you with reliability and trustworthiness. 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. 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 supports members' financial goals with $285,235 in used auto loans and $16,366,923,635 in total loans and leases. Our operational efficiency is highlighted by a net income of $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 available for lending and investments stand at $180,378,688, while the total number of share accounts reflects a strong member base 3,572,351 individuals trust 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 123 S River Rd Saint George Ut 84790 or call (435) 652-1414 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Financing Options

For business owners looking for growth opportunities, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to expand your business operations. Whether you're starting a new venture or looking to enhance an existing one, we have solutions tailored for your needs. If you're interested in refinancing any existing loans or exploring eligibility options for our products and services, please reach out to us directly for personalized assistance. 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 in Saint George, we are committed to helping you find the right loan product that suits your financial needs. Visit us today and let's take the first step together!

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, our flexible financing options make it easier than ever.

Mortgage Loans

Thinking about homeownership? Our mortgage options are designed to simplify the process. With Junior Lien 1-4 Family Residential Properties loans totaling $1,967,627,006, we can help you buy or refinance your home. Our team is here to guide you through every step of your journey toward securing a mortgage that fits your lifestyle.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. 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. This option provides an easy way to handle unexpected costs while giving you the freedom to make purchases without tying up your cash flow.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that you can trust. - Real-Time Rate Comparisons: Get up-to-date loan rates from multiple institutions at once, helping you make well-informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and reliable LendMesh is for consumers seeking better rates. 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.

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.