Mountain America Credit Union

Nestled near the bustling Redwood Road corridor, Mountain America’s Salt Lake City branch at 1225 S Redwood Rd is your friendly neighborhood credit union dedicated to empowering your financial journey. Open Monday through Friday from 9:00 a.m. to 6:00 p.m., this location shines with expert auto loans and vehicle financing designed to get you behind the wheel with competitive rates and flexible terms tailored to your lifestyle. Whether you're purchasing a new ride or refinancing an existing loan, Mountain America Salt Lake City makes it simple and stress-free.
Beyond exceptional vehicle financing, members enjoy access to low mortgage rates and refinancing options that bring homeownership within reach. This branch also offers a full suite of personal banking services including checking and savings accounts, credit cards with rewarding perks, personal loans ideal for debt consolidation, and business banking solutions like merchant services and business loans crafted to support local entrepreneurs. While there’s no on-site ATM or drive-thru, convenient cash withdrawal services combined with seamless online and mobile banking keep your finances accessible anytime.
Experience personalized service focused on top-tier auto loans and mortgage lending at Mountain America Salt Lake City. Visit us today or call 801-973-2484 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, where your financial well-being is our top priority! Located conveniently at 1225 S Redwood Rd, Salt Lake City, UT 84104, we have been serving our community since 1936. As a proud member of the Salt Lake City area, we are not just a credit union; we are a trusted partner in your financial journey. At Mountain America, we pride ourselves on our strong commitment to our members, which is reflected in our impressive growth. With over 1,295,749 members and total assets exceeding $20 billion, we strive to provide exceptional services tailored to meet your unique needs. Our offerings include personal banking solutions like checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Additionally, we cater to businesses with merchant services and business loans. With total deposits reaching $2,498,647,369 and a net worth of $1,866,422,746, you can feel confident that your money is safe with us. We understand that financial decisions can be overwhelming; that's why our experienced team of over 3,400 employees is here to guide you every step of the way. Under the leadership of CEO Sterling Nielsen and Board President Scott Burt, we are dedicated to fostering a welcoming environment for all. For any inquiries or assistance, don't hesitate to reach out to us at (801) 973-2484 during our lobby hours from Monday to Friday between 9:00 AM and 6:00 PM. While members can visit us at our branch location for personalized service, please direct any official correspondence to our mailing address: 1225 S Redwood Rd, Salt Lake City, UT 84104-3708. Join us today at Mountain America and experience the difference in community-focused banking! Visit our website at Mountain America for more information on how we can help you achieve your financial goals.

Branch History & Mission

Our Mission

Our mission at Mountain America is simple yet profound: to empower our members to achieve financial success. We offer a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking options. We strive to create a positive impact not only through these financial services but also by actively engaging in community outreach efforts that foster growth and support local initiatives. We understand that each member's journey is unique. That's why we focus on providing personalized service alongside digital advancements like online banking and mobile payments to make managing your finances easier than ever. Our branch is ADA compliant and designed with customer convenience in mind. While members can visit us at 1225 S Redwood Rd for all their banking needs, official correspondence should be sent to 1225 S Redwood Rd, Salt Lake City, UT 84104-3708. With no ATM or drive-thru services available at this location, our friendly staff are always ready to assist you during our operating hours from Monday through Friday, 9:00 AM to 6:00 PM. Mountain America believes in building lasting relationships within the community. We partner with local organizations and initiatives that align with our values of integrity and service. By investing in the community, we aim to create an environment where everyone can thrive financially. As we look towards the future, we invite you to join Mountain America. Experience the benefits of being part of a credit union that truly cares about your financial well-being. Whether you're looking for guidance on your next loan or want to explore new savings options, we're here to help you every step of the way. Together, let's build a brighter future! For more information or assistance, feel free to reach out at 801-973-2484 or visit us online at Mountain America.

Branch Location & Accessibility

Call to Action

Ready to experience banking that puts you first? Give us a call at 801-973-2484 or stop by our branch today! We look forward to helping you achieve your financial goals right here at Mountain America!

Convenient Location

Situated near popular landmarks like the Redwood Road Park and just a short drive from the I-15 freeway, our location is perfect for residents and commuters alike. Parking is ample and convenient, ensuring you can quickly pop in and out without hassle. Our branch is also equipped with accessibility features to accommodate all members, including ADA-compliant entrances.

Operating Hours

We know how busy life can get! That's why we're here to serve you Monday through Friday from 9:00 AM to 6:00 PM. This means you can stop by after work or during your lunch break without worrying about finding time in your schedule.

Services Offered

At Mountain America, we offer a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Our friendly staff is always ready to help you navigate your options and find the best solutions for you. While members can visit us at our branch address, official correspondence should be sent to the same address: 1225 S Redwood Rd, Salt Lake City, UT 84104-3708.

Member Eligibility

Becoming a member of Mountain America is like joining a welcoming family where your financial well-being is the top priority. If you're looking to experience personalized service and access to a variety of financial products, you're in the right place! To be eligible for membership, you typically need to live, work, or worship in the communities we serve, which makes it easy for many people to join. Plus, we're dedicated to helping you with everything from savings accounts to loans tailored just for you. If you're unsure about your eligibility, we encourage you to check out the detailed criteria on our website at . Starting your journey with us is simple! You can visit our branch located at 1225 S Redwood Rd Salt Lake City Ut 84104 or give us a call at (801) 973-2484 for more information on how to open an account. Our friendly team is here Monday through Friday from 9:00 AM to 6:00 PM, ready to assist you every step of the way. Whether you're opening your first account or looking for new ways to manage your finances, we can't wait to welcome you into the Mountain America community!

Business Banking & Commercial Services

Commercial Loans Tailored for You

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 That Simplify Transactions

Imagine having a reliable partner who understands the nuances of daily transactions. Our merchant services make it easy for you to accept payments, manage sales, and keep your cash flow healthy. By providing practical solutions like point-of-sale systems and online payment options, we help you focus on what matters most growing your business. Visit us at 1225 S Redwood Rd Salt Lake City Ut 84104 in Salt Lake City, UT or give us a call at (801) 973-2484 to discover how we can support your business today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs at our branch location, we ensure access to cash withdrawal services through strategic partnerships nearby so that you can easily manage your finances without any hassle. At Mountain America, we're committed to making banking easy and accessible for everyone in our community. To learn more about how we can help you achieve your financial dreams, give us a call at (801) 973-2484 or visit us online at 0031 Salt Lake Redwood Rd. Let's take this journey together!

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, look no further than our Auto Loans & Vehicle Financing services. We work with you to secure competitive rates that make purchasing your dream car more accessible. Imagine driving off the lot without the stress of high payments; that's what we're here for!

Business Banking

For our entrepreneurial members, we offer comprehensive Business Banking services including Merchant Services & Business Loans. Whether you're starting a new venture or expanding an existing one, we're here to support your business goals with financial solutions that suit your needs.

Credit Cards with Rewards

With our Credit Cards with Rewards, every purchase counts! You earn points for everyday spending that can be redeemed for travel, merchandise, or cash back. It's not just about having a card; it's about making every transaction work for you.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing options are designed with you in mind. We guide you through every step of the process and ensure you understand all available options. Owning a home is a significant milestone, and we aim to make it as smooth as possible.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that let you manage your accounts anytime, anywhere. From checking balances to transferring funds and even applying for loans on the go your banking needs are always within reach.

Personal Banking

Understanding that everyone's financial goals are unique, we offer various Personal Banking options. Our Checking & Savings Accounts allow you to manage your money effectively while earning interest on your savings. Whether you're saving for a vacation or planning for future expenses, our accounts can be customized to fit your lifestyle.

Personal Loans & Debt Consolidation

Managing multiple debts can feel overwhelming. Our Personal Loans & Debt Consolidation services provide a solution by helping you combine your debts into one manageable payment. This way, you can focus on reducing your debt load while enjoying lower monthly payments.

Digital & Online Banking

Key Features

Our mobile application makes banking even simpler. It's user-friendly and packed with features like mobile payments, allowing you to pay for goods and services directly from your smartphone. Forget about carrying cash or cards; just tap and go! Plus, if you want to send money to friends or family quickly, our person-to-person transfer option has got you covered. We also prioritize your security. You can sign documents electronically with confidence thanks to our electronic signature authorization feature, making transactions smooth and secure. And for those who prefer going paperless, we offer e-statements so you can manage your finances efficiently while helping the environment. Whether you're at home or out and about, Mountain America ensures that you have full access to your accounts whenever you need it. For more information on how to get started with our digital banking services, visit us at https://www.macu.com/. Experience the convenience and peace of mind that comes with modern banking 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 are proud to share our financial strength with you, which reflects our commitment to serving your needs. 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 across various sectors with $285,235 in used auto loans and $16,366,923,635 in total loans and leases. 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 1225 S Redwood Rd Salt Lake City Ut 84104 or call (801) 973-2484 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 interested in financing a brand-new model or a reliable used vehicle, our flexible terms cater to various budgets and needs.

Business Financing

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. We understand that every business is unique; therefore, we work closely with you to find the right financing solution for your specific needs.

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 designed to fit your lifestyle while allowing you to maintain control over your spending.

Eligibility and Refinancing Options

If you're considering refinancing or exploring eligibility options for any of our loan products, our knowledgeable team is here to assist you. We can help evaluate your current financial situation and guide you towards the best solutions tailored for you. For more information about our loan offerings or to speak with one of our representatives, please contact us at (801) 973-2484. Visit us at 1225 S Redwood Rd Salt Lake City Ut 84104 in Salt Lake City, UT, or check out our website at https://www.macu.com/ for additional details. 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 help you take the next step towards achieving your financial dreams!

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 provide competitive rates and personalized service to guide you through the process of securing your dream home.

Loan Aggregator

Benefits of Using LendMesh

LendMesh offers several key benefits to help users make informed choices: - Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency in what is presented. - No Sponsored Listings: Unlike other comparison tools, LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results that you can trust. - Real-Time Rate Comparisons: Users receive up-to-date loan rates from multiple institutions, allowing for well-informed decisions tailored to their financial needs. 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 kind of feedback highlights the effectiveness and reliability of the tool. Ready to find the best loan rates for your needs? Compare real-time loan offers today at LendMesh. 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.

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced 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 rigorous sourcing ensures that all offers presented are fair and transparent. Users can trust that they are looking at current and accurate information when comparing loan options.

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