Mountain America Credit Union

Nestled in the heart of Sandy, Mountain America at 9640 S State St is your neighborhood credit union committed to helping you drive toward your financial dreams. Open Monday through Friday from 9:00 a.m. to 6:00 p.m., this friendly branch offers some of the best auto loans and vehicle financing options designed to fit your budget and lifestyle—making it easier than ever to get behind the wheel of your next car. Whether you’re buying new or refinancing, Mountain America Sandy provides competitive rates and flexible terms tailored just for you.
In addition to exceptional vehicle financing, members enjoy access to low mortgage rates and refinancing solutions that make homeownership more attainable. This branch also offers a full suite of personal banking services including checking and savings accounts, credit cards loaded with rewards, personal loans perfect for debt consolidation, and business banking products like merchant services and business loans designed to support local entrepreneurs. While there’s no on-site ATM or drive-thru, convenient cash withdrawal services combined with robust online and mobile banking ensure seamless money management anytime.
Experience personalized financial care focused on top-tier auto loans and mortgage lending at Mountain America Sandy. Call 801-619-7349 or visit http://www.macu.com today to explore how we can help you achieve your financial goals!

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 journey is our priority! Located at 9640 S State St, Sandy, UT 84070, we have been serving our community since 1936. With a proud history and a commitment to excellence, we currently support over 1,295,749 members who trust us with their financial needs. At Mountain America, we believe in building lasting relationships with our members. Our total assets stand at an impressive $20,276,595,321, reflecting our strong foundation and stability. We understand the importance of your hard-earned money, which is why we maintain $2,498,647,369 in total deposits. Whether you're looking for personal banking services or business loans, we offer a wide range of options tailored just for you. Our leadership team is dedicated to guiding you every step of the way. Under the direction of CEO Sterling Nielsen and Board President Scott Burt, our friendly staff is here to assist you with everything from checking and savings accounts to auto loans and credit cards with rewards. While you can always visit us at our branch location, official correspondence should be sent to 9640 S State St, Sandy, UT 84070-3208. If you have any questions or need assistance, don't hesitate to give us a call at 801-619-7349 during our lobby hours from Monday through Friday between 9:00 AM and 6:00 PM. Join us today at Mountain America where your financial well-being is our mission! For more information about our services or to explore loan options, feel free to visit us online at Mountain America. Your path to financial success starts here!

Branch History & Mission

Community Focus

We understand that every member's journey is different. That's why we provide various digital tools like online banking and mobile payment options to help you manage your finances anytime and anywhere. Additionally, we prioritize accessibility and inclusivity by ensuring ADA compliance across all our facilities. As part of our dedication to community support, we actively participate in local events and initiatives that uplift families and businesses alike. Whether it's sponsoring educational programs or contributing to charitable causes, we believe in giving back and making Sandy an even better place to live. Join us at Mountain America today! Experience firsthand how we can help you reach your financial aspirations while being part of a caring community dedicated to your success. For more information or assistance, don't hesitate to reach out at 801-619-7349 or visit us online at Mountain America. We look forward to welcoming you!

Our Evolution

Since opening our doors nearly nine decades ago, Mountain America has seen remarkable growth and transformation. From our initial focus on providing essential financial services to local residents, we have expanded our offerings to include personal banking, auto loans, mortgages, business services, and more. With total assets now exceeding $20.2 billion, we are proud to support the financial goals of our members and contribute positively to the local economy. Our commitment extends beyond traditional banking; it encompasses the well-being of our community. We believe in building relationships that matter. Through partnerships with local organizations and ongoing outreach efforts, we aim to make a difference in the lives of those we serve.

Our Mission

At Mountain America, our mission is clear: We strive to empower individuals and families to achieve their financial dreams while fostering a sense of belonging and support. We offer personalized services designed to meet each member's unique needs whether it's saving for a home, financing a vehicle, or planning for retirement. While members can visit us at 9640 S State St for all their banking needs during our lobby hours (Monday through Friday from 9:00 AM to 6:00 PM), official correspondence should be sent to our mailing address at 9640 S State St, Sandy, UT 84070-3208.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our location features ADA-compliant ramps and ample parking space for everyone's convenience. You'll find that navigating our branch is straightforward, allowing you to focus on what matters most your financial goals.

Convenient Location

Our branch is conveniently situated near local landmarks, making it easy to visit us while you run errands or enjoy a day out. Whether you're stopping by after a trip to the nearby shopping centers or just taking a stroll through the neighborhood, we're here to assist you.

Operating Hours

At Mountain America, we want to make banking as convenient as possible. Our lobby hours are Monday through Friday from 9:00 AM to 6:00 PM. Whether you're looking to open a new account or discuss loan options, our friendly staff is ready to help during these hours.

Services Offered

We offer a range of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, if you're interested in online and mobile banking options, you'll find those available as well!

Visit Us Today!

Ready to experience the benefits of being part of Mountain America? We invite you to visit our branch at 9640 S State St or call us at 801-619-7349 for more information. Let us help you take the next step toward achieving your financial dreams!

Member Eligibility

Becoming a member of Mountain America is like stepping into a supportive community where your financial needs are prioritized. If you live, work, or worship in the area around 9640 S State St Sandy Ut 84070, you're likely already eligible to join us! We welcome individuals who are looking for a friendly and inclusive banking experience. At Mountain America, our members enjoy benefits such as competitive rates on loans, personalized service, and access to a variety of financial products designed to help you succeed. The process to become a member is simple and straightforward. You can learn more about the specific eligibility criteria by visiting our website at . If you're ready to open an account or have any questions, don't hesitate to give us a call at (801) 619-7349. We're here to help you every step of the way!

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. - 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, efficient payment solutions can make all the difference. Our merchant services are designed to simplify transactions and enhance customer experiences. Imagine being able to accept payments seamlessly whether in-store or online, empowering you to focus on what you do best running your business. Located conveniently at 9640 S State St Sandy Ut 84070 in Sandy, UT, we invite you to explore how our business banking services can help you thrive. For personalized assistance, reach out to us at (801) 619-7349 during our operating hours from Monday to Friday, 9:00 AM to 6:00 PM. Let's grow together!

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, we provide comprehensive Business Banking services including Merchant Services & Business Loans. These tools are essential for managing cash flow and growing your business. Our team is ready to help guide you through available options tailored specifically for small businesses.

Credit Cards

Don't forget about our Credit Cards with Rewards, designed not just for purchases but also to earn you benefits as you spend. From cashback offers to travel rewards, these cards can enhance your buying power while giving you something back in return.

Loans and Financing

If you're considering purchasing a vehicle or refinancing an existing loan, our Auto Loans & Vehicle Financing can make that process straightforward and affordable. With competitive rates and flexible terms, we aim to put you behind the wheel without the stress of complicated financing. For those looking to buy a home or refinance their mortgage, our Mortgage Loans & Refinancing options are tailored to fit different budgets and lifestyles. We understand that every family has unique needs when it comes to housing, which is why we work closely with our members to find the right solution. In addition, our Personal Loans & Debt Consolidation services can help simplify your financial commitments. Whether you're planning a big purchase or looking to consolidate debt into one manageable payment, we're here to assist you every step of the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. You can easily check balances, transfer funds, and pay bills right from your smartphone or computer. Our services include ATM & Cash Withdrawal Services so that accessing cash is always within reach whenever you need it. At Mountain America, we believe that banking should be convenient and accessible for everyone in our community. If you have any questions about our services or want more information on how we can help you achieve your financial goals, please don't hesitate to reach out at (801) 619-7349 or visit us at our branch. We look forward to serving you!

Personal Banking

When it comes to personal banking, we offer various options to help you manage your everyday finances. Our Checking & Savings Accounts make it easy to keep track of your money while earning interest on your savings. Imagine having the peace of mind that comes from knowing your funds are safe and accessible whenever you need them.

Digital & Online Banking

Accessibility and Security

We prioritize your security while providing easy access to your accounts. Rest assured that all of our digital services are protected with robust security measures. This means you can bank confidently, knowing your personal information is safe. In summary, the digital and online banking services at Mountain America are designed to fit seamlessly into your lifestyle. Experience the ease of managing your finances anytime, anywhere because we believe banking should work for you.

Key Features

Our online banking experience is user-friendly and packed with features that cater to your everyday needs. You can quickly set up e-statements, allowing you to view your financial documents electronically no more paper clutter! Plus, with our electronic signature authorization, signing important documents is just a click away. Need to send money to a friend or family member? Our person-to-person transfer feature lets you do this in real-time, making it simple to share expenses or gifts without any hassle. And if you're always on the go, our mobile application ensures that you have all your banking needs right at your fingertips. Whether you're making mobile payments or checking transactions, everything is just a tap away.

Financial Strength

Commitment to Service

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.

Growing Member Base

Total Share and Deposit Accounts stand strong at 3,572,351, showing a growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $180,378,688. 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 9640 S State St Sandy Ut 84070 or call (801) 619-7349 to learn more about how we can help you achieve your financial goals.

Reinvesting for Growth

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 goals with $285,235 in used auto loans and $16,366,923,635 in total loans and leases.

Secure Savings Options

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.

Strong Financial Foundation

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $4,936,086,560 in used vehicle loans and $1,444,883,578 in new vehicle loans, helping our members get on the road with confidence. Whether you're after a brand-new model or a reliable used vehicle, our flexible terms can help you secure the financing you need.

Business Financing

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. We support local businesses by offering tailored solutions that meet their unique needs. If you're considering refinancing or exploring eligibility options for any of these products, our team is here to help you navigate through the process and find what works best for you. For more information on our loan offerings or to speak with one of our representatives at Mountain America located at 9640 S State St Sandy UT 84070, call us at 801-619-7349. We're here Monday through Friday from 9:00 AM to 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.

Credit Cards

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 features designed to fit your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With Junior Lien 1-4 Family Residential Properties loans totaling $1,967,627,006, we provide competitive rates and personalized service to guide you through the process. You can trust us to help you find the best solution for your home financing needs.

Loan Aggregator

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