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Home Equity Loans
Mortgage Loans
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Vehicle Loans
Introduction
Welcome to Mountain America, your trusted financial partner located at 25 E Crossroads Blvd, Saratoga Springs, UT 84045. Established in 1936, we have been committed to providing exceptional service and support to our community for over 85 years. With a total membership of 1,295,749 and assets exceeding $20.27 billion, we take pride in being a reliable source for personal and business banking needs. At Mountain America, we understand the importance of trust and reliability in your financial journey. That's why our dedicated team is here to assist you with a variety of services, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our goal is to empower you to achieve your financial dreams while ensuring that your experience with us is smooth and satisfying. While members can visit us at our branch location, official correspondence should be sent to the same address: 25 E Crossroads Blvd, Saratoga Springs, UT 84045-4823. If you have any questions or need assistance, don't hesitate to reach out to us at 801-331-6042. Under the leadership of CEO Sterling Nielsen and Board President Scott Burt, our team of 3,426 employees is dedicated to serving you with integrity and care. We are proud of our strong financial foundation, which includes total deposits of $2,498,647,369, a net worth of $1,866,422,746, and cash on hand amounting to $302,213,181. Join us as we continue making a positive impact in our community while helping you navigate your financial journey. Visit our website at Mountain America or stop by our branch today! Your future starts here.
Branch History & Mission
Commitment to Innovation
In today's fast-paced world, we understand the importance of digital advancements. That's why we have embraced technology with features like online and mobile banking, allowing members to manage their finances anytime and anywhere. Additionally, we are committed to ADA compliance to ensure all members can access our services comfortably.
Community Partnerships
Our partnerships with local organizations reflect our deep-rooted commitment to giving back. Through various initiatives and programs, we strive to uplift those around us and make a meaningful impact on the lives of individuals and families in Saratoga Springs. As we continue on this journey together, we invite you to join us at Mountain America. Experience the benefits of being part of a credit union that truly cares about its members and their communities. Together, let's build a brighter future! For any inquiries or assistance, feel free to reach out at 801-331-6042 during our operating hours from Monday through Friday from 9:00 AM to 6:00 PM.
Our Evolution
Since opening our doors, Mountain America has continually evolved to meet the changing needs of our members. We pride ourselves on not just being a financial institution but a partner in your financial journey. Our branch has seen significant milestones over the decades, including expansions that have allowed us to offer diverse services such as auto loans, personal banking accounts, mortgage options, and business solutions. While members can visit us at our branch address for their banking needs, official correspondence should be sent to our mailing address: 25 E Crossroads Blvd, Saratoga Springs, UT 84045-4823. This central location is easily accessible and near local landmarks that make visiting us convenient.
Our Mission
At Mountain America, our mission is straightforward yet profound: to provide exceptional financial services while fostering a spirit of community support. We believe in making banking simple and accessible for everyone. Our dedication extends beyond transactions; we actively engage in community outreach programs that strengthen the neighborhoods we serve.
Branch Location & Accessibility
Welcome to Mountain America's branch at 25 E Crossroads Blvd, nestled in the vibrant community of Saratoga Springs, Utah! Our location is designed with your convenience in mind, making it easy for you to access all your banking needs. Just a short drive from local landmarks like the scenic Utah Lake and the bustling shopping areas, we are perfectly positioned to serve our members. While you can visit us directly at this address, any official correspondence should be sent to our mailing address: 25 E Crossroads Blvd, Saratoga Springs, UT 84045-4823. Our branch is situated in a friendly area with ample parking available, ensuring that your visit is as stress-free as possible. Accessibility is important to us; our branch features ADA-compliant entrances and ramps so everyone can easily access our services. We are here for you during our operating hours, Monday through Friday from 9:00 AM to 6:00 PM, ready to assist with personal banking services like checking and savings accounts, auto loans, mortgage refinancing, and more. Although we don't currently offer ATM or drive-thru services at this location, our dedicated team is always available to help you over the phone at 801-331-6042 or in person. If you're looking for a supportive banking experience where you're treated like family, we invite you to come by and see what we can do for you. Join us today at Mountain America!
Member Eligibility
At Mountain America, we believe that everyone deserves the chance to be part of a supportive financial community. Joining us as a member is easy and welcoming! If you live, work, or attend school in the areas we serve, you are likely eligible to become part of our family. Additionally, if you have a family member who is already a member, that opens the door for you too! You can learn more about these friendly eligibility requirements by visiting . Once you're ready to take the next step, opening an account with us is simple and straightforward. We're here to guide you through the process every step of the way. Don't hesitate to reach out to us at (801) 331-6042 if you have any questions or need assistance. We can't wait to welcome you to Mountain America, located at 25 E Crossroads Blvd Saratoga Springs Ut 84045, where you'll enjoy all the benefits of being part of our community!
Business Banking & Commercial Services
Merchant Services That Matter
In addition to loans, we offer merchant services tailored to meet your unique needs. Imagine being able to process payments seamlessly, whether you're operating a retail store on Main Street or running an online shop. Our services can enhance your customer experience and streamline operations, allowing you to focus on what you do best growing your business. With an outstanding commercial loan portfolio of $2,148,145,550, we continue to drive economic growth by financing new and expanding businesses in Saratoga Springs, UT. Let us partner with you on your path to success! For more information, call us at (801) 331-6042 or visit us at 25 E Crossroads Blvd Saratoga Springs Ut 84045.
Tailored 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. This funding can be the lifeline your business needs to invest in new equipment or hire additional staff. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that help keep cash flow steady during critical moments.
Comprehensive List Of Services
Accessibility
While we currently do not have ATM or drive-thru services at this location, our commitment remains strong in providing outstanding service during lobby hours from Monday through Friday, 9:00 AM to 6:00 PM. If you have any questions or need assistance regarding our services, please reach out at 801-331-6042. At Mountain America, we're not just a credit union; we're a community-focused institution dedicated to supporting your financial journey. Come visit us at 25 E Crossroads Blvd in Saratoga Springs, or explore more about what we offer by visiting our website. Let us help you achieve more together!
Business Banking
For small business owners, Mountain America provides comprehensive business banking solutions. From merchant services that help you accept payments seamlessly to business loans that fuel growth opportunities, we stand by your side as your trusted financial partner.
Credit Solutions
Managing debt can feel overwhelming, but our personal loans and debt consolidation services are designed to alleviate that burden. We offer flexible options that can simplify your payments and help you regain control over your finances. Don't forget about our credit cards with rewards! Enjoy perks while making purchases for everyday expenses; it's a great way to earn back on what you already buy.
Digital Banking Features
In today's fast-paced world, convenience matters. Our online and mobile banking capabilities allow you to manage all aspects of your finances anytime, anywhere. With features like mobile payments and person-to-person transfers, staying connected to your money has never been easier.
Home Financing
For those dreaming of homeownership or looking to refinance an existing mortgage, our mortgage loans are crafted with you in mind. Our team will guide you through every step of the process, ensuring you find a mortgage that aligns perfectly with your financial situation.
Personal Banking
Our personal banking services include checking and savings accounts designed for everyday use. Imagine having the flexibility to manage your finances effortlessly, with easy access through our online and mobile banking platforms. You can check your balance, transfer funds, or pay bills from the comfort of your home or on the go. If you're considering purchasing a car, our auto loans and vehicle financing options are here to help you get behind the wheel quickly and affordably. We understand that finding the right financing can be daunting, so we make it simple with competitive rates and terms that fit your budget.
Digital & Online Banking
Enhanced Security Features
Security is paramount when it comes to banking online. That's why we use electronic signature authorization for added protection on your transactions. This ensures that your information is safe while you manage your finances from anywhere. At Mountain America, we're committed to providing user-friendly tools that enhance your banking experience. From real-time account management to secure transactions, everything is designed with you in mind. So why wait? Discover how easy it is to take control of your finances today!
Key Services for Your Convenience
With our online banking, you can enjoy 24/7 access to your accounts, making it simple to check balances, pay bills, and transfer money whenever you need to. If you prefer using your smartphone, our mobile application offers all these features right at your fingertips. You can even make mobile payments with ease, ensuring that shopping is as hassle-free as possible. Need to send money to a friend or family member? Our person-to-person transfer service allows you to do just that in just a few taps! Plus, if you're looking to go paperless, we offer e-statements so you can view your account statements online it's not only convenient but also environmentally friendly.
Financial Strength
Growing Community Trust
We serve a growing member base with 3,572,351 total share accounts, showing the trust you place in us with your finances. Our net shares available for lending and investments stand at $180,378,688, providing further assurance of our capability to meet your needs. 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 25 E Crossroads Blvd Saratoga Springs Ut 84045 or call 801-331-6042 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.
Member-Focused Savings
Your savings are secure with us 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.
Operational Efficiency
Our operational efficiency is reflected in our net income of $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 and committed team.
Reinvesting in Your Future
We have $1,845,749,365 in undivided earnings, which means we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $285,235 in used auto loans and a total of $16,366,923,635 in loans and leases, our lending capacity supports members' financial goals across various sectors.
Solid Financial Health
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, 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 have 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 your operations. We are committed to supporting local businesses with tailored financing solutions that help them thrive. At Mountain America, we believe everyone deserves access to financial resources that empower them. Whether you need an auto loan, mortgage financing, or personal credit options, our team is here to assist you every step of the way. For more details about our loan offerings or to learn about refinancing options and eligibility requirements, visit us online at https://www.macu.com/ or contact us directly at (801) 331-6042. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.
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 clear guidance throughout the process and flexible terms that fit your budget.
Unsecured Credit Card Loans
Managing finances can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $981,936,213 in loans helping members effectively manage their budgets, you can enjoy peace of mind knowing you have access to funds when needed.
Loan Aggregator
Accurate Loan 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 means that users can trust the information they receive is accurate and fair. By prioritizing compliance with established regulations, LendMesh ensures that all offers are genuine and beneficial for consumers.
Benefits of Using LendMesh
LendMesh provides several key benefits that enhance the loan comparison experience: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the rates presented. - No Sponsored Listings: Unlike other comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for every user. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, empowering them to make informed decisions without delay. 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!" This feedback highlights how effective and valuable LendMesh can be in finding suitable loan options quickly. To take advantage of these features and find the best 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.*