Mountain America Credit Union

Nestled in the heart of Salt Lake City, the Mountain America branch at 735 S State St is your trusted local credit union dedicated to supporting your financial dreams with personalized care. Open Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays until 2:00 p.m., this welcoming location offers 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 car or refinancing an existing loan, Mountain America Salt Lake City makes vehicle financing straightforward and stress-free.
Members also benefit from low mortgage rates and refinancing solutions that help make homeownership more affordable in this vibrant community. Beyond these signature offerings, enjoy a comprehensive range of personal banking services including checking and savings accounts, credit cards loaded with rewards, personal loans ideal for debt consolidation, and business banking options such as merchant services and business loans crafted to support local entrepreneurs. While there is no on-site ATM or drive-thru, convenient cash withdrawal services paired with robust online and mobile banking platforms ensure seamless money management anytime.
Experience friendly, community-focused financial care with top-tier auto loans and mortgage lending at Mountain America Salt Lake City. Visit us today or call 801-325-6292 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 that financial services should be personal, accessible, and community-focused. Located at 735 S State St, Salt Lake City, UT 84111, our branch has been a trusted partner for your financial needs since 1936. With over 1,295,749 members, we are dedicated to helping you achieve your financial goals through a wide array of services, including checking and savings accounts, auto loans, mortgage refinancing, and much more. Our commitment to you goes beyond just numbers; with total assets exceeding $20.2 billion and total deposits around $2.5 billion, we ensure that your money is in safe hands. We also have a strong track record of lending with over 1,010,477 loans and leases granted to our members. The foundation of our success lies in our mission to empower individuals and businesses within the community. Led by our CEO Sterling Nielsen and Board President Scott Burt, our team of 3,426 employees is here to provide exceptional service every step of the way. We take pride in our robust financial standing with a net worth of approximately $1.87 billion and over $302 million in cash on hand to support your banking needs. While members can visit us at our Salt Lake City branch for all their banking requirements, official correspondence should be sent to the same address: 735 S State St, Salt Lake City, UT 84111-3821. We invite you to explore how we can help you on your financial journey. For any questions or assistance, don't hesitate to call us at 801-325-6292 during our lobby hours Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. Visit us online at Mountain America for more information about our offerings or to get started today!

Branch History & Mission

At Mountain America, we believe in building a strong community through financial empowerment. Our branch, located at 735 S State St in Salt Lake City, Utah, has been serving members since 1936. With nearly nine decades of history, we have grown alongside the community, adapting to meet the evolving needs of our members. From our humble beginnings, Mountain America has flourished into a trusted financial institution with over 1.2 million members and total assets exceeding $20 billion. Our mission is clear: to provide exceptional financial services while fostering a sense of belonging and support for everyone in our community. We are committed to helping you achieve your goals whether it's buying your first home, financing a vehicle, or managing everyday expenses. As part of our dedication to accessibility and service, we offer various banking options that cater to modern lifestyles. Our operating hours are convenient for busy schedules Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. While we currently do not have an ATM or drive-thru service at this location, our branch staff is always ready to assist you with personalized service tailored to your needs. In addition to traditional banking services such as checking and savings accounts, auto loans, and mortgage financing, Mountain America emphasizes digital solutions. Our online and mobile banking services allow you to manage your finances on-the-go easily. Features like electronic signatures and person-to-person payments help streamline your experience and keep you connected. Mountain America also takes pride in its commitment to community outreach. We actively participate in local events and initiatives aimed at giving back and strengthening ties within Salt Lake City. By partnering with local organizations and supporting various causes, we strive to make a positive impact on the lives of those around us. While members can visit us at 735 S State St for all their banking needs, official correspondence should be sent to our mailing address: 735 S State St, Salt Lake City, UT 84111-3821. Join us at Mountain America today! Experience the benefits of being part of a cooperative that truly values its members and works tirelessly to support their financial journeys. Whether you're looking for personal banking solutions or business services, we're here for you every step of the way. Call us at 801-325-6292 or visit our website for more information!

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Situated near local favorites, our branch is just a short drive from Liberty Park and the bustling downtown area. You'll find plenty of parking available right at our doorstep, ensuring your visit is as hassle-free as possible. Plus, our branch is equipped with features that comply with ADA standards, including accessible ramps, so everyone can enjoy a smooth banking experience.

Operating Hours and Services

We know how busy life can get, which is why we offer flexible hours for your convenience. Our doors are open Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. This means you can stop by before work or on your day off to take care of your banking needs. At Mountain America, we provide a variety of services tailored just for you. From personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we've got you covered. While we do not have an ATM or drive-thru service at this location, our friendly staff is ready to assist you with all your financial inquiries. If you're looking for a reliable credit union that prioritizes its members' needs, look no further! Feel free to give us a call at 801-325-6292 or visit us today at our Salt Lake City branch. We're excited to help you achieve your financial goals!

Member Eligibility

At Mountain America, we believe that everyone deserves a chance to be part of a caring community focused on your financial well-being. Joining us as a member is easy and welcoming! If you live, work, or attend school in the areas we serve, you're likely eligible to become a member. We embrace individuals from all walks of life, ensuring that our services are accessible to everyone. For more specific eligibility details, feel free to check out our website at . Once you're ready to take this step, opening an account is a breeze! You can find all the information you need about getting started with us at . If you have any questions or want to speak with someone directly, don't hesitate to call us at (801) 325-6292. We're here to help you every step of the way and excited to welcome you into the Mountain America family!

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. These loans empower local entrepreneurs to expand operations, hire new staff, or invest in crucial equipment. - 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 addition to loans, we offer robust merchant services tailored for your day-to-day operations. Imagine seamlessly processing payments from customers while managing your cash flow effectively. Our tools help you accept various payment methods, making transactions easier for both you and your clients. When you're ready to take the next step for your business, visit us at 735 S State St Salt Lake City Ut 84111 in Salt Lake City, or call us at (801) 325-6292. Let's work together to achieve your business goals!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options are designed to help you get behind the wheel with confidence. We offer competitive rates and flexible terms so you can choose what works best for you. Picture driving off in your dream car without the stress of complicated financing processes.

Business Banking

For small business owners, we offer tailored business banking services, including merchant services and business loans. We know how hard you work for your success; let us help streamline your operations so you can focus on growing your business without worrying about financial hurdles. At Mountain America, we pride ourselves on being more than just a credit union; we're part of the community. Our friendly staff is always ready to assist you with any questions or concerns you may have regarding our services. If you're ready to experience personalized banking that puts you first, give us a call at (801) 325-6292 or visit us at 735 S State St Salt Lake City Ut 84111. Join us today at 0025 Salt Lake State St, where we're committed to helping you achieve your financial goals!

Credit Cards with Rewards

Don't forget about our credit cards with rewards! Earn points on everyday purchases that can lead to exciting perks like travel discounts or cashback offers. It's a great way to make your spending work for you while enjoying added benefits along the way.

Mortgage Loans & Refinancing

For those ready to take the leap into homeownership or looking to refinance, we provide comprehensive mortgage loans and refinancing solutions. Our team is here to guide you through every step, ensuring you understand your options and find a plan that suits your budget. Owning a home can be one of life's biggest achievements, and we're here to help make it happen.

Personal Banking

We understand that managing your finances can be a daunting task. That's why we offer personal banking services like checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds through our user-friendly online and mobile banking platforms. You can check balances, transfer money, and pay bills from the comfort of your home or on the go. Plus, our e-statements help you keep track of your finances without the clutter of paper.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. With our personal loans and debt consolidation options, you can tackle those challenges head-on. Whether it's covering medical bills or consolidating high-interest debts, our straightforward application process makes it easier than ever to get the financial support you need.

Digital & Online Banking

Key Services

Our online banking platform is available 24/7, allowing you to check your balances, transfer funds, and pay bills at your convenience. No more waiting in line or rushing to the bank during business hours! You can also take advantage of our electronic signature authorization feature, making it simple to sign documents securely from the comfort of your home. If you're looking for an eco-friendly way to manage your statements, our e-statements are readily available. They come directly to your inbox no more cluttering up your mailbox with paper statements!

Mobile Banking Made Easy

With our mobile application, banking on the go has never been easier. Need to send money to a friend? Our person-to-person transfer feature allows you to do just that with a few taps on your phone. Plus, if you prefer using mobile payments, you're in luck! Our service supports various mobile payment options, giving you flexibility when making purchases.

Security You Can Trust

Your security is our top priority. We use advanced encryption technology to protect your information so that you can bank confidently. Each time you log into your account or authorize a transaction, rest assured that we're working hard behind the scenes to keep everything safe. In summary, Mountain America offers all the tools you need for real-time account management right at your fingertips. Whether you're checking balances or making payments, our digital banking services are designed for ease of use and maximum convenience. Start exploring 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. Our commitment to maintaining a strong financial foundation allows us to support you with reliable services and competitive offerings. 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 is robust; we have $285,235 in used auto loans and $16,366,923,635 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is evident with a net income of $0, which enables 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 dedicated to serving you with a knowledgeable, committed team. Net Shares (funds available for lending and investments) stand at $180,378,688, while our total share accounts reach an impressive 3,572,351, showcasing 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 735 S State St Salt Lake City Ut 84111 or call (801) 325-6292 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Financing Options

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. Additionally, if you are considering refinancing existing debts or exploring eligibility options, our team is here to guide you through the process. At Mountain America, we pride ourselves on being a trusted partner in your financial journey. For more information on our loan offerings or to discuss how we can assist you, please reach out at (801) 325-6292. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you achieve your financial aspirations!

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. We make financing simple and straightforward, ensuring you can drive away with confidence.

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 offer competitive rates and flexible terms to help you secure the home of your dreams.

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 is perfect for those looking for convenience and purchasing power without needing collateral.

Loan Aggregator

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