Mountain America Credit Union

Nestled in the heart of Sandy, the Mountain America branch at 9800 S Monroe St is your local financial partner dedicated to supporting your money management needs. Although this location offers ATM services only and does not have a drive-thru, it serves a large community of over 1.2 million members backed by more than $20 billion in assets through Mountain America’s trusted network. Open Monday through Friday from 8:00 a.m. to 5:00 p.m., this branch provides convenient access to essential ATM services while connecting you to Mountain America’s signature benefits—like some of the best auto loans and low mortgage rates available in Utah.
Whether you’re planning your next car purchase or exploring affordable home financing options, Mountain America makes it easy to take control of your financial future with competitive rates and personalized support. Members also enjoy robust online and mobile banking tools for managing accounts anytime. Experience friendly, community-focused service combined with convenient ATM access at Mountain America Sandy. Visit us today or call 801-325-6220 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 success! Located at 9800 S Monroe St, Sandy, UT 84070, we have been serving our community since 1936. With a strong commitment to our members, we are proud to support over 1,295,749 individuals and families, providing them with the resources they need to achieve their financial goals. At Mountain America, we understand that financial decisions can be overwhelming. That's why we're here to help guide you every step of the way. Our total assets of $20,276,595,321 reflect our dedication to stability and growth. We offer a wide range of services designed to meet your needs, including loans totaling 1,010,477, robust deposit options of $2,498,647,369, and a net worth of $1,866,422,746 all aimed at securing your future. Our experienced team is led by CEO Sterling Nielsen and Board President Scott Burt, who are deeply invested in our mission to empower our members. With a dedicated staff of 3,426 employees, we strive to provide personalized service that puts you first. Whether you're looking for assistance with loans or seeking advice on savings strategies, we're here for you. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: P.O. Box 2331, Sandy, UT 84091. If you're ready to take control of your financial journey or simply have questions about how we can assist you further, don't hesitate to reach out! Give us a call at 801-325-6220 during our lobby hours from Monday to Friday between 8:00 AM and 5:00 PM. We look forward to welcoming you into the Mountain America family! For more information about our services and offerings, visit us online at Mountain America.

Branch History & Mission

Community Engagement

Our engagement with the community goes beyond traditional banking. We actively participate in local events and initiatives that promote financial literacy and support various charitable causes. By collaborating with local schools and nonprofits, we aim to uplift those around us and create lasting change in our neighborhoods.

Looking Ahead

As we embrace the future, Mountain America continues to invest in technology that enhances member experience while ensuring compliance with ADA standards. Our digital advancements make it easy for members to access services anytime, anywhere from online banking to mobile payments. We invite you to join us on this journey! Experience the benefits of membership at Mountain America Credit Union today. Together, let's build a stronger community and secure your financial future. For more information or assistance, please call us at 801-325-6220 or visit us online at Mountain America.

Mission Statement

Our mission is clear: to serve our members with excellence while fostering a spirit of community support. We believe in not only offering exceptional financial services but also contributing positively to the lives of those we serve. Whether through educational workshops, community sponsorships, or partnerships with local organizations, Mountain America is committed to making a meaningful impact beyond banking. While members can visit us at our Sandy branch location for all their banking needs during our operating hours Monday through Friday from 8:00 AM to 5:00 PM official correspondence should be sent to P.O. Box 2331, Sandy, UT 84091 if necessary.

Our Journey

Since opening our doors, Mountain America has remained dedicated to empowering individuals and families within our community. Over the years, we have reached significant milestones that reflect our growth and dedication to member service. Today, we manage total assets of over $20 billion, demonstrating our strength and stability in the financial landscape. With a diverse array of services tailored to meet the needs of our members from auto loans to personal banking we strive to provide solutions that enhance financial well-being.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

You'll find us near local favorites like the beautiful South Towne Center, making it easy to combine errands or enjoy a day out while taking care of your finances. Our branch is equipped with features that enhance accessibility for all members, including ADA-compliant entrances and parking spaces.

Operating Hours and Services

We understand that life can be busy, which is why we offer convenient lobby hours from Monday to Friday, opening at 8:00 AM and closing at 5:00 PM. While we don't currently offer ATM services or drive-thru banking at this location, our team is ready to assist you inside the branch with any of your banking needs. If you need to send us official correspondence, please note that our mailing address is P.O. Box 2331, Sandy, UT 84091. We encourage you to reach out via phone at 801-325-6220 if you have any questions or need assistance before your visit.

Visit Us Today!

At Mountain America, we pride ourselves on providing exceptional service tailored to our members' needs. We invite you to stop by and discover how we can support your financial journey. Come say hello we look forward to welcoming you!

Member Eligibility

At Mountain America, we believe that becoming a member means joining a welcoming community where your financial well-being is our top priority. If you're wondering whether you can be part of this supportive family, it's quite simple! Our membership is open to anyone who lives, works, worships, or attends school in the areas we serve. This means that whether you're a long-time resident or just new to the neighborhood, you're likely eligible to join us. To check the complete eligibility details and ensure you meet the criteria, please visit . Once you've confirmed your eligibility, opening an account with us is easy and straightforward. We're here to guide you through each step of the process, ensuring that you feel confident and informed as you embark on your journey with us. If you have any questions or need assistance, don't hesitate to reach out at (801) 325-6220. Join us at Mountain America, located at 9800 S Monroe St Sandy Ut 84070, and experience the benefits of being part of a credit union that truly cares about its members!

Business Banking & Commercial Services

At Mountain America, we understand that every business has unique needs. Whether you're a startup looking for your first loan or an established company planning to expand, our business banking and commercial services are designed to fuel your growth. Imagine a local café on the brink of opening its doors. With our tailored commercial loans, they secured $5,373 in funding, allowing them to purchase equipment and hire staff. This is just one example of how we support our members in achieving their 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. In addition to loans, we offer merchant services that simplify payment processing. Imagine running your retail store without worrying about how customers pay. Our solutions ensure transactions are smooth, allowing you to focus on what really matters growing your business. Located at 9800 S Monroe St Sandy Ut 84070, Sandy, UT 84070, we invite you to visit us or call (801) 325-6220 to learn more about how we can assist you in reaching your business goals.

Comprehensive List Of Services

Commitment to Convenience

At Mountain America, convenience is key. Our operating hours are designed with your schedule in mind open Monday through Friday from 8:00 AM to 5:00 PM. If you need assistance outside these hours, our online resources are available 24/7. We encourage our members to take advantage of e-statements for easy record-keeping and electronic signature authentication for secure transactions.

Join Us Today!

We invite you to experience the difference at Mountain America. Whether you're a long-time member or considering joining us for the first time, we are here to help you achieve your financial goals. Feel free to contact us at (801) 325-6220 or visit our website at https://www.macu.com/ for more information about our services. Let us partner with you on this journey toward financial success!

Services Offered

We understand that each member's financial journey is unique. That's why Mountain America offers services like ATM Services Only, ensuring that you can access your funds whenever you need them. Imagine being out and about in Sandy and having the peace of mind knowing you can easily find an ATM nearby. This service allows you to withdraw cash, check balances, and more, all without the hassle. In addition to traditional services, we prioritize the ease of digital banking. Our online banking platform enables you to check your account balance, transfer funds, and pay bills from the comfort of your home or on the go using your smartphone. With features like mobile payments and person-to-person transactions, managing your finances has never been easier.

Digital & Online Banking

Key Features

Our online banking allows you to manage your accounts 24/7, giving you the freedom to check balances, pay bills, and transfer funds whenever it suits you. You can also enjoy electronic statements, which means you can view your account activity anytime without waiting for paper statements to arrive. With our mobile application, you can take your banking experience with you wherever you go. Whether you're out shopping or relaxing at home, our app provides a quick and easy way to handle transactions right from your phone. Plus, with features like mobile payments and person-to-person transfers, sending money to friends or making purchases is just a tap away.

Security and Ease of Use

We prioritize your security by offering electronic signature authorization for a seamless signing experience on important documents. This not only speeds up processes but also ensures that your information remains protected. Our commitment to safety means you can feel confident using all our online services. Whether you're tech-savvy or just starting out with digital banking, our straightforward layout makes it simple for everyone. With real-time account management and the ability to stay connected anytime, you'll find that taking control of your finances has never been easier. At Mountain America, we strive to provide accessible solutions that fit your lifestyle while keeping security at the forefront. Explore all our digital offerings today at https://www.macu.com/!

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. With a commitment to sound financial practices, we ensure that our resources are dedicated to serving you best. 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 your financial goals 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 available for lending and investments amount to $180,378,688, reinforcing our ability to support your needs. Furthermore, with a total of 3,572,351 share and deposit accounts, it's clear that many 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 9800 S Monroe St Sandy Ut 84070 or call (801) 325-6220 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, you can trust that we have the right financing options for your needs. Whether you're looking for a new or used vehicle, we're here to support you every step of the way.

Business Loans

For business owners looking to grow and expand their operations, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed for success. We understand the challenges businesses face and are committed to being a reliable partner in your growth journey. Our commitment to our members goes beyond just offering loans; we strive for transparency and accessibility. For more information about our loan products or to discuss your specific needs with one of our representatives, don't hesitate to reach out at 801-325-6220 during our operating hours: Monday through Friday from 8:00 AM to 5:00 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. Let us help you take the next step towards achieving your financial aspirations!

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, giving you access to essential financing when it matters most. Our team is ready to assist you with any questions about eligibility and refinancing options.

Unsecured Credit Card Loans

Managing your finances effectively is crucial. We also provide flexible terms on unsecured credit card loans, with a total of $981,936,213 in loans available to our members. This option allows you to handle unexpected expenses without the burden of collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to transparency means users can trust that the offers they see are fair and reliable. One of the key benefits of using LendMesh is Verified Data. All loan offers come from legitimate financial institutions, which promotes transparency in the lending process. Furthermore, there are No Sponsored Listings on LendMesh. Unlike other platforms that may prioritize lenders based on paid promotions, LendMesh focuses solely on delivering unbiased results to its users. This impartial approach helps ensure that you are getting the best possible rates without hidden agendas. In addition, LendMesh provides Real-Time Rate Comparisons. Users can access up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're looking to compare real-time loan offers and find the best rates for your needs, visit LendMesh today. *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.*

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