Mountain America Credit Union

Nestled in the heart of Salt Lake City, the Mountain America branch at 2174 E 3300 S is your trusted local credit union dedicated to helping you achieve your financial dreams with ease and confidence. Open Monday through Friday from 9:00 a.m. to 6:00 p.m., this welcoming location specializes in some of the best auto loans and vehicle financing options—designed to get you on the road quickly with competitive rates and flexible terms tailored to fit your lifestyle. Whether you're buying a new vehicle or refinancing an existing loan, Mountain America Salt Lake City makes it simple and stress-free.
Beyond outstanding vehicle financing, members benefit from low mortgage rates and refinancing solutions that make homeownership more attainable. This branch also offers a full range of personal banking services including checking and savings accounts, credit cards loaded with rewarding perks, personal loans ideal for debt consolidation, as well as 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 seamless money management anytime.
Experience friendly, community-focused service combined with expert auto loan and mortgage lending at Mountain America Salt Lake City. Visit us today or call 801-858-1030 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 partner in financial well-being located at 2174 E 3300 S, Salt Lake City, UT 84109. Since our establishment in 1936, we have been dedicated to serving our community with a focus on personal banking and financial growth. With a strong membership of over 1,295,749 individuals and total assets exceeding $20 billion, we are proud to offer a range of services designed to meet your needs. At Mountain America, we understand that banking is about more than just numbers it's about building relationships and fostering community trust. Our commitment is reflected in our impressive financial health, which includes total deposits of $2,498,647,369 and a net worth of $1,866,422,746. We also maintain a robust cash position with $302,213,181 readily available to support our members. While members can visit us at our branch location for personalized service or inquiries about products like auto loans and credit cards with rewards, official correspondence should be sent to the same address: 2174 E 3300 S, Salt Lake City, UT 84109. Under the leadership of CEO Sterling Nielsen and Board President Scott Burt, our team of 3,426 employees is here to ensure you receive the best possible service. Whether you need assistance with personal loans or business banking solutions, we are ready to help. We invite you to explore all that Mountain America has to offer by visiting our website at macu.com or giving us a call at 801-858-1030 during our lobby hours from Monday to Friday between 9:00 AM and 6:00 PM. Join us as we work together towards achieving your financial goals!

Branch History & Mission

Community Commitment

Mountain America believes in giving back. We engage in various outreach efforts and community partnerships that support local initiatives. Whether it's through financial literacy workshops or sponsorships of community events, we aim to make a lasting impact. As technology evolves, so do we. Our digital advancements ensure that you can access your accounts anytime and anywhere with mobile payments, online banking, and e-statements available at your fingertips. We're dedicated to making banking as easy as possible while maintaining compliance with ADA standards. Join us today! Experience the benefits of being part of Mountain America where your financial success is our priority. Reach out to us at 801-858-1030 during our operating hours Monday through Friday from 9:00 AM to 6:00 PM and discover how we can help you achieve your goals!

Our Mission

The mission of Mountain America is to empower our members through exceptional service and financial education. We strive to provide a wide range of personal banking services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking options. Our goal is not only to assist you in achieving your financial objectives but also to contribute positively to the communities we serve. While members can visit us at 2174 E 3300 S, official correspondence should be sent to the same address as there is no separate mailing address. We understand that convenience matters; however, we currently do not offer ATM or drive-thru services at this location.

Branch Location & Accessibility

Welcome to Mountain America's Salt Lake City branch, located at 2174 E 3300 S. This convenient spot is nestled in a vibrant area, making it easy for you to stop by while running errands or enjoying the local attractions. Whether you're near Liberty Park or exploring the shops along 3300 South, our branch is ready to assist you with all your banking needs. While members can visit us at 2174 E 3300 S, official correspondence should be sent to the same address for your convenience. We understand that accessibility is key, and our branch is designed with features to accommodate everyone, including ADA-compliant ramps and ample parking. At Mountain America, we pride ourselves on offering a variety of services tailored to fit your lifestyle. Our lobby hours are Monday through Friday from 9:00 AM to 6:00 PM, ensuring you have plenty of time to meet with our friendly staff. Although we currently do not have ATM or drive-thru services available at this location, our team is here to help with personal banking, auto loans, mortgages, credit cards, and more. If you have any questions or need assistance before your visit, feel free to give us a call at 801-858-1030. We look forward to welcoming you to Mountain America and helping you achieve your financial goals!

Member Eligibility

Welcome to the Mountain America family, where becoming a member is not just about banking it's about joining a community that supports your financial journey! If you live, work, or worship in our service area, you're likely already eligible to become a member at our Salt Lake City branch located at 2174 E 3300 S. We believe that everyone deserves access to friendly financial services tailored to their needs. Membership also opens the door to a range of benefits like lower loan rates and higher savings returns. Getting started is easy! Simply reach out to us at 801-858-1030, and we'll guide you through the process of setting up your account. For more detailed information on eligibility criteria, you can visit our website at Mountain America. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Financing Your Business Dreams

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.

Practical Merchant Services

In addition to loans, our merchant services are here to simplify your operations. Imagine processing payments quickly and efficiently, allowing you to focus on what matters most growing your business. With our tools, you can manage transactions seamlessly, enhancing customer satisfaction and loyalty. Visit us at 2174 E 3300 S Salt Lake City Ut 84109 in Salt Lake City, UT or call us at (801) 858-1030 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans tailored to support your growth. Whether you're just starting out or looking to expand, Mountain America is here to provide the tools and resources necessary for success.

Embracing Digital Convenience

In today's fast-paced world, we know that convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With access to ATM and cash withdrawal services, even when you're on the go, banking with us is always easy.

Empowering Your Financial Journey

For those who need a little extra support, we offer personal loans and debt consolidation options that can help simplify your financial commitments. Plus, our credit cards with rewards provide an excellent way to earn benefits on your everyday purchases. Imagine enjoying cashback or points for travel simply by using your card wisely!

Join Us Today!

At Mountain America, we're committed to ensuring that all our members have access to essential financial services that fit their lifestyles. If you're interested in learning more about how we can help you achieve your financial goals, don't hesitate to reach out! Call us at 801-858-1030 or visit our website at www.macu.com for more information. We look forward to serving you!

Personal Banking Made Simple

We understand that every member has different banking needs. That's why our personal banking services include everything from checking and savings accounts to help you manage your everyday expenses, to auto loans and vehicle financing for those looking to purchase a new car or refinance an existing loan. Whether you're interested in securing a mortgage loan or refinancing your current home, our team is ready to guide you through the process with ease.

Digital & Online Banking

Explore Our Services

With our online banking platform, accessible at https://www.macu.com/, you can check your account balance, transfer funds, and pay bills anytime, anywhere. We provide 24/7 online banking services, ensuring you have access to your accounts whenever you need it. Plus, with e-statements available, you can keep track of your transactions in a secure and environmentally friendly way.

Mobile Banking Convenience

If you're always on the move, our mobile application is perfect for you. It supports mobile payments, allowing you to make purchases directly from your phone with ease. Need to send money to a friend? With person-to-person transfers, you can do that in just a few taps. At Mountain America, we're committed to providing accessible and user-friendly banking solutions that empower our members to manage their finances effectively. Join us today and experience the future of banking right at your fingertips!

Security Meets Simplicity

Your security is our top priority. We offer electronic signature authorization to make signing documents quick and safe. You can have peace of mind knowing that your personal information is protected while using our mobile application or online services.

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. Our commitment to transparency and reliability is reflected in our strong financial health, which you can trust to safeguard your investments and support your financial goals. With a net worth of $1,866,422,746, we maintain robust 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 your financial aspirations with $285,235 in used auto loans and $16,366,923,635 in total loans and leases. Our operational efficiency is highlighted by our $0, which allows us to continue providing competitive loan rates and solid financial products for you. We also take pride in having 3,027 full-time employees and 399 part-time employees who are always ready to assist you with their expertise. 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 2174 E 3300 S Salt Lake City Ut 84109 or call (801) 858-1030 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, we've got options tailored for you.

Business Loans

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or operational costs, we are here to support your business journey. At Mountain America Credit Union in Salt Lake City, UT, we are committed to providing personalized financial solutions for every member's unique needs. Whether you're considering refinancing your current loan or exploring eligibility options for one of our many products, our experienced staff is ready to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore your options today and see how Mountain America can help you achieve your financial dreams!

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 team is here to guide you through the process and help you secure the best rate possible.

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. This option provides an easy way to handle unexpected expenses while keeping your budget on track.

Loan Aggregator

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